davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I disputed these accounts with XXXX  and they only removed one. All 3 accounts were fraudulently opened. 

Bank of America {$690.00} ( Suspected Fraud Activity ) Bank of America {$180.00} ( Suspected Fraud Activity ) XXXX XXXX  {$440.00} ( Suspected Fraud Activity ) - RECENTLY DELETED
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account Child Support # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of
information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

Hi I have used Chime mobile banking since 2019. Just a few months ago I noticed weird charges and every time I tried to dispute the charges, chime would cancel my card issuing a new one and then they would deny all the disputes and give nothing back. 
I have called them, emailed them and more. They absolutely don't want to help me at all. I also called about why my disputes were denied and they said they seen no errors. Then I told them I need those disputes returned. I have had issues with my Identity that was compromised and I am in the process of fixing it with social security and credit bureaus as well. I even filed my XXXX cyber complaints cause anytime its cyber related they told me a police report can't be done would have to do an XXXX so I did. 
I noticed a week ago Chime just automatically closed my accounts with out notice or any other detail. totaling {$11000.00} dollars or more to be returned to me. 
I keep trying to reach a chime and tell them to call me and they keep ignoring me. sending me emails saying we will have someone in support will contact me but they do not. 
I also tried to call my chime card and log into it because they logged me out of my account and it says my accounts closed. I also have pending deposits on there including my sons XXXX I had to call them to fix that. I have my business connected for pending deposits. 
I have been trying to take care of these disputes from last year and this year there was only a few that I told chime that are automatic payments like my daughters XXXX XXXX martial arts and my sons XXXX for his XXXX  deposits. 
They won't communicate back they won't do any of my disputes and such. I am just trying to get what is owed to me back. including my {$9700.00} dollar income tax that was deposited as well. and I noticed it was being used as well. 
I have screeshots of all I am trying to do and tell them as well.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NM)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-04-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

I have automatic deduction from my checking account on the XXXX of each month.Every month this year, around the XXXX of the month I have gotten a phone call from the requesting that I make a payment.Each time I explain to the rep.that I have the automatic deduction.Each rep looks at my account, agrees with me and promises to correct the issue, apologizes for the error.The reps.that called me are as follows : XXXX XXXX on XX/XX/XXXX @ XXXX XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX @ XXXX XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX @ XXXX XXXX.Additionally, each month I get a letter from Shellpoint notifying me that my mortgage payment will be deducted from my checking account on the XXXX of that month and that if I wish to cancel the draft to contact them, which I never have done.Any assisstance you can give me will be appreciated.I have copies of all letters sent sent to me, but do not have capability to scan them to my computer.I could fax them to you if needed.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I previously disputed a repossession on my credit but the results from Transunion were that the information was stated as accurate by XXXX XXXX. Today I spoke with XXXX at XXXX and have documentation that I have XXXX $ balance and owe nothing for the repossession. XXXX XXXX stated i need to dispute it with the credit bureaus but the credit bureaus states XXXX said its accurate but I have documentation from XXXX that proves otherwise.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, U.S. DEPT OF EDXXXX Account # XXXX , XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX , XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 section 602 A States I have to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

In accordance with The Fair credit reporting act. The list of the accounts below has violated my Federal protection consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 206A States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 it also States a consumer reporting agency can not furnish accounts without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crime which antedates the report more than 7 years.

15 USC 1681 s-2 A1 a person shall not furnish any information relating to the consumer to any consumer report agency if the person knowing or has responsible case to believe that the information is inaccurate.
Consumer complaint received 2022-04-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

National credit systems inc at XXXX naturally XXXX XXXX XXXX Ga XXXX has been sending me collection notices in the amount of XXXX dollars XXXX cents the collection has been reported to all credit bureau as past do balance. I do not know this company. I have never done business this company. This company does not have a contract with my signature on it
Consumer complaint received 2022-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

XX/XX/XXXX submitted the PSLF application XX/XX/XXXX XXXX rec 'd a letter indicating my loans were being transferred for Public Service Loan Forgiveness Eligibility Confirmation XX/XX/XXXX I rec 'd a welcome letter from Fed Loans that indicated my loans had been transferred. 

My eligible payment count did not include any payments I made to US Dept of Education from XXXX XXXX XXXX 

XX/XX/XXXX. Contacted Customer Support. They had me reapply for PSLF all over again AND and upload any proof I had of making those payments because the services had gone out of business. I submitted the 1098-N showing student loan interest paid for each year in question to the website. 

XX/XX/XXXX - Uploaded all of my available bank statements showing payments were in fact made for the 5 years I was not credited for PSLF payments.
Consumer complaint received 2022-04-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I applied for a loan of XXXX to pay for dental work. USAA can see all my accounts and balances on all accounts connected to my USAA account. 2 life insurance policy 1 for XXXX XXXX for XXXX. I have over XXXX in stocks XXXX in saving. Which when ever I call I get someone in Texas and I always let the ladies know that I am a XXXX XXXX man. I have been making my payment on time. I have no past due or late accounts on my credit. I a XXXX credit score. Just pulled by USAA XX/XX/2022. Only reason I see them saying no to my loan is because I am a XXXX XXXX man which I make known with ever rep who has helped. This is sad because XXXX are discriminated against by banks and we think they are willing to help us. When only thing they do is keep us form gaining any forms of happiness in America. I have been with USAA for over 3 years. I am being discriminated against for a loan because I am a XXXX XXXX man. I would like to know why and I meet all criteria for the loan.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX : {$1600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX {$360.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX
Consumer complaint received 2019-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (CA)

i have discover cheking account and i have money in it almost {$3600.00} i couldnt use my debit card over seasethey dont honor discover in that country i came back called the discover to close my account its been over a month now every time deferent story i demand my account to be close and my money to be send to me they keep say its under business review i dont understand that i want my account to be close that is it
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX, XXXX XXXX, XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX : XX/XX/XXXX Balance : {$360.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1800.00}.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

These inquiries occurred without my approval. Ive been the victim of identity theft and I dont recognize any of these inquiries/companies on my report. 
XXXX. Capital One Auto financing : XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX. XXXX XXXX XXXX : XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX. XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX XXXX XXXX XXXX XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX. XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C. 1681 Section 602A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: First Technology Federal Credit Union (OR)

I called XXXX on XXXX at apx XXXX XXXX  about from a customer service number I XXXX  to deal with a customer dispute for a refund. In order to get this " refund '', said person then had me download XXXX XXXX and for 1.5 hours and asked oh do you have XXXX XXXX  or XXXX. He tried XXXX XXXX  first, I didn't have it set up, then he had me go to my bank account ( First Tech Credit Union ) and XXXX him the apparent amount of the dress which I did twice, plus another {$27.00} for a total of {$490.00} in three different transactions. He had it go to a XXXX XXXX XXXX. He said I would get the money back tomorrow, and he would call back.

1. It was a fake website on XXXX with customer support for XXXX XXXX. The guy had me download the XXXX XXXX '' app on my phone so he could see everything 3. I asked for a reference number for the case and his name- XXXX XXXX XXXX I lost a total of XXXX in three XXXX transactions which I reported to my bank. 

At one point we got disconnected and he called me back from this number XXXX. I am looking at my phone records and the 1 hr and 2 min call XXXX ( a now disconnected wireless number ). I am unsure what the number was from the XXXX  page, but this is the one registered on my phone. 

The whole time, I kept saying I think I am getting scammed. Why would XXXX be so primitive to download an app and have me access my accounts and XXXX money for a refund? 

On XXXX at XXXX XXXX  as he said he would he call me again wanting to log onto the app to " ensure the refund '' was there. I had been checking and no said refund has come through. I then told him I had reported the issue to XXXX  for spoofing, to my First Tech bank where I had to change all my passwords. His anger intensified and he terminated the call. 

I was told to report to law enforcement, so I am following with this report.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I have contacted all bureaus regarding these fraudulent accounts and inquiries. This is violation of my consumer rights and the ftc, cfpb. The law prohibits all credit bureaus to report fraudulent accounts. all information must report accurately. This information must be deleted immediately. This has dropped my score XXXX points.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute I will contact the data furnisher. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to correct this account from my file. 
XXXX XXXX XXXX Balance : {$1400.00}