davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-30
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Chime Financial Inc (CA)

I filed a dispute on Chime Bank ( XXXX  ) on XX/XX/2020 at XXXX onwards after that I got an email from on the same day that my dispute case was closed and there was no error at my end and they couldnt provide any credit to my account. as far as i know that the investigation takes 90 days but to qualify for the provisional credit they should investigate atleast 10 business days. I lost $ XXXX in unauthorized charge on my account and they just dumped my case like nothing.
Consumer complaint received 2022-06-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (SC)

It is online fraud, they never provide the service to me and they took access of my computer without my permission, when I noticed they are in my computer then I turned off my computer but they got my card details, I want to remove this fraud account from my credit report and they don't have any customer support number.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

This AMEX XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

AMEX XXXX
Consumer complaint received 2019-08-23
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. (GA)

I have tried on several occasions to have a dispute submitted in regards to being a victim of Identity theft. However, Experian has constantly been non responsive to my efforts which is a direct violation of the fair credit reporting act, sect. 605b. I have been gravely displaced by this non action.
Consumer complaint received 2022-06-10
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  Account 's # XXXX ( XXXX XXXX XXXX, # XXXX ( XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX ) and # 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 2018-10-09
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 (NY)

I was looking to my credit score this morning and amazingly I saw this hard inquiry on my report about capital one on XX/XX/XXXX and I never tried to apply for a credit or loan from that bank at all plz help me
Consumer complaint received 2019-03-15
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. (NV)

I recently requested a monitoring service and noticed several accounts I did not open. 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. 
My husband is upset with me thinking I opened these accounts and messing up my name thus his name. He is threatening to leave me if I don't get this off my name. Please help.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

You aren't licensed in Georgia Delete this account. 
You didn't apply the notice of dispute to the credit report in the appropriate time frame, which is a violation of the FCRA. 
DELETE THIS ACCOUNT PLEASE! 

Please send a check for {$100000.00} paid to me, to my address listed above.
Consumer complaint received 2024-04-01
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: REGIONS FINANCIAL CORPORATION (NJ)

I opened a complaint to XXXX  ( COMPLAINT ID XXXX SUBMITTED ON XX/XX/2024 PRODUCT Debt or credit management ISSUE Didn't provide services promised. 
Yesterday Sunday XX/XX/XXXX XXXX pm During a phone call to TWIST, the company inform me that I my funds were withdraw by someone without autorization and even no receiving the replacement card that they will correct their service. 

My new complain is that my funds in the pay-roll master card, still no only waiting to receive the repacement card but also someone had withdraw the funds without autorization.
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (OH)

I started dispute ( XXXX ) on multiple Transactions in my credit card account starting in XX/XX/2021. Discover said they would look into the disputes and gave me my money back from these transactions. 3 months later they reversed all the disputes and said I owed them. The entire three months they reported balances on my consumer credit report. I told them they committed multiple violations under Title XXXX Chapter XXXX XXXX ( B ) and ( d ) Correction of Billing errors by taking more than XXXX billing cycles to finish the investigation, reporting to my consumer credit report the entire time incorrectly stating I owed a balance when in fact I disputed the transaction thus ruining my consumer credit report and once I brought up that issue they said they are going to close my account if I dont provide my Social Securty Number for authentication purposes. I demand payment of {$6000.00} for all the violations and my account to remain opened because I never gave them permission to attempt or to close my account.
Consumer complaint received 2021-12-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (LA)

After a dispute with two items on my credit report, the creditor agreed on XX/XX/21 to remove the two items from my credit report. The items were not removed. I again disputed them to show that creditor agreed to remove them but now they are saying the information is verified as accurate. How can they say that when they had agreed to remove them. The original creditor was XXXX XXXX Bank for both accounts. The amounts were {$1200.00} & {$1400.00}. Now the account is listed under LVNV FUNDING LLC C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX.
Consumer complaint received 2019-08-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was searching case search and came across an open case for me from CAPITAL ONE BANK. I read the notes in the case stating that I was served on XXXX/2018 at an address that is vacant. No one is living in that house therefore no one could have signed for any mail delivered to that address. I had no clue about the open case until today.
Consumer complaint received 2018-10-09
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: AES/PHEAA (UT)

My brother opened this account in my name without my knowledge and has passed away. Now XXXX XXXX is coming after me and Ive never received nor did I apply for this account. The payments are minimal and I will pay it if they remove the negative marks on my credit as it is hurting me and I have nothing to do with them.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent a letter to the XXXX Credit Bureaus XX/XX/2022 to repair these pieces of suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT 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
Consumer complaint received 2021-12-04
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. (TX)

XXXX XXXX XXXX recently began reporting Account number XXXX as derogatory on my credit report, after I initially requested validation of this debt a year ago. To this date, I have yet to receive validation of the debt. It was however removed until recently. 
Experian, Account XXXX XXXX, and the original creditor, XXXX XXXX failed to provide debt validation in the time allowed by the FCRA. As such, this derogatory, and unverified information should be immediately removed. 

This debt was never even mine as it belonged to my son. Upon speaking with XXXX XXXX they removed this debt from my name and placed it in my son 's name which was paid off. 

Account XXXX XXXX is further breaking the law by reading this debt on my credit report claiming the account creation date of XX/XX/2021. This is obviously false, as it was originally an account that was not mine with XXXX XXXX years ago.
Consumer complaint received 2022-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group (TX)

A couple of months ago I noticed a debt collection notation appearing on my credit report. It was from profit services group for {$820.00} dollars. I sent them a letter over a month ago asking for an itemized bill and an explanation of the supposed debt and for harassment to cease in the meantime. XXXX said my letter was delivered and signed for but I never received a response. Then last week I got a second derogatory mark from them on my credit report for the exact same amount, XXXX dollars. It doesnt seem legal to report the same supposed debt twice to the credit agencies and they didnt respond to my letter so I dont have any information. I get 4-5 calls a day and would just like to know how and when I supposedly incurred this debt.
Consumer complaint received 2021-12-04
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: EQUIFAX, INC. (FL)

I have noticed unauthorized inquiries on my credit report. My social security number was use for personal gain. 

According to the FCRA { Fair Credit Reporting Act }, legally these unverified and unauthorized item Must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2021
Consumer complaint received 2018-04-09
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC (TN)

I called to get information on my account and a woman by the name of XXXX Extension XXXX decided she wanted to have an attitude and yell and get smart with me. I asked her what her name was and she proceeded to say her name was XXXX, she then said " XXXX XXXX '' and hung up in my face.
Consumer complaint received 2021-02-10
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. (KY)

I have disputed this same erroneous collection with XXXX  and Transunion several times. I even sent a 611 Act ( a ) ( 7 ) letter to both credit bureaus after my disputes requesting a complete list of all documents and correspondence with and all names and contact information of employees that the credit bureaus spoke with as part of there investigation. I asked for verification to show proof ( something signed by myself ) etc. to show me proof that the XXXX XXXX XXXX XXXX  belonged to me. Never not once did I receive the information I requested and the reason being is because this is a erroneous account that doesnt belong to me. Its really upsetting that I am continuously having this same issue over and over and over again. 


Below is my last complaint with CFPB : I filed a dispute with Transunion and XXXX  on XX/XX/2020, XX/XX/2020 and XX/XX/2020. The dispute was for a collection on my account from XXXX  ( XXXX  XXXX  ) When I first disputed It, I received a response of Reported by data furnished. I then wrote a letter asking for verification of the collection and also asked for a complete description of what methods the credit bureaus used to investigate my dispute. I asked for correspondence and a list of all documents including all names and contact information and employees that they spoke to in there investigation. I have never received this information from either credit bureau and it has been well over 60 days. I am requesting the removal of this XXXX  ( XXXX XXXX  account ) in which I have no knowledge of being mine from my Transunion and XXXX credit report. 

REPORT NUMBERS FROM PREVIOUSLY FILED COMPLAINT AGAINST TRANSUNION AND XXXX  ON THIS SAME ISSUE XX/XX/2020 XXXX XXXX  XXXX Transunion
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I sent in investigation request with no results to get fraudulent information removed i have also contacted creditors with no results or call backs please have a complete investigation done to remove the fraudulent accounts and inquires XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
{$1000.00} Balance updated XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXs Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2021-09-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (WA)

I was presented an offer by CitiBank to open a 'Miles ahead ' savings account with a balance of $ XXXX to earn XXXX American Airlines miles. I have an existing American Airlines credit card through Citi which is why I believe I was targeted with the offer. 

I complied with the terms of the offer but did not receive the miles. I have talked to Citi customer service four times and each time they agree that I qualify and send a inquiry on to their promotion review group. That group then rejects the inquiry and tells me to contact customer support. It feels like a deliberate attempt to scam people. I am a pretty persistent person an I am nearly ready to give up.
Consumer complaint received 2024-02-27
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-04
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX CITY OF XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$140.00} FST PREMIER XXXX Balance : {$520.00} XXXX XXXX Balance : {$15000.00} Inquiries : XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2021-12-04
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: Account Control Technology, Inc. (TX)

ACCOUNT CONTROL TECHNOLOGIES recently began reporting Account number XXXX as derogatory on my credit report, after I initially requested validation of this debt a year ago. To this date, I have yet to receive validation of the debt. It was however removed until recently. 
XXXX, Account Control Technologies, and the original creditor, XXXX XXXX failed to provide debt validation in the time allowed by the FCRA. As such, this derogatory, and unverified information should be immediately removed. 

This debt was never even mine as it belonged to my son. Upon speaking with XXXX XXXX they removed this debt from my name and placed it in my son 's name which was paid off. 

Account XXXXontrol Technologies is further breaking the law by reading this debt on my credit report claiming the account creation date of XX/XX/2021. This is obviously false, as it was originally an account that was not mine with XXXX XXXX years ago.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

It has been over 30 days since I sent dispute letters to the credit bureaus of false accounts on my credit reports. I have not received any results about my investigation. This is a violation of my credit rights.Letters where sent out XX/XX/2021.
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (FL)

I opened the account in XXXX of XXXX. The first time i used the account was in XX/XX/XXXX. The purchase was {$110.00}. I never received a bill. In XX/XX/XXXX the bill finally came only it had increased to {$340.00}. I called the company and they agreed that I pay the XXXX plus XXXX in interest. I did. In XXXX I received a billl for more interest. I called again. They told me they removed it. In XXXX I received another bill with more interest. I called again feeling it was resolved. In XXXX the same thing and in XXXX I told them to cancel the account. It is now XXXX. I have received another bill.