davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
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. (PA)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$200.00} 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 2021-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CA)

Nevada unemployment deposited {$20000.00} into my chime account and I needed to buy a car with the XXXX they wouldn't let me pull it all out so I was sending money to my other prepaid account that I have so I can pull it out to get a car they froze my account so they want a documentation of where the money came from and a picture of my ID I sent a picture of my ID and the documentation where the money came from which was the EDD and they sent it straight to them their deposit so they know where it came from then they start sending your W-2 form will my money didn't come for me working my money came from the Pua see which determines that I can't work for the coronavirus that's why they're paying me cuz I can't work is rather close down get my money back
Consumer complaint received 2019-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Back Story : I posted my furniture ( dining room table ) on XXXX 's list to sell. A guy reached out to me to buy the furniture. He said that he would give me a cashier 's check with the amount of money for the furniture and additional to pay the mover 's who were coming to take the table. When I received the check, I cashed it in on wednesday, XX/XX/2019 to my bank of america mobile application. The supposed moving company asked if I could transfer the money to their account using XXXX application, which is available on bank of america 's mobile application. I am a student, so I didn't have the money to give until I deposited the cashier 's check.I deposited and sent the transfer on XX/XX/2019. The cashier 's check was showing as cleared and available on XX/XX/2019. On Thursday, XX/XX/2019, there were some complications with sending the transfer, so I called the bank and they has said that it would be a few more hours before the check will be made available. Then, on Saturday, XX/XX/2019, I found that my account had overdrafted because the cashier 's check had bounced and the money transferred were taken out. I called bank of america that morning, and they stated that the cashier 's check was counterfeit and that they could not do anything because I had authorized the transaction. I also called XXXX to report the fraud and they also said they were not responsible. 

My complaint : I do fully understand that I had authorized the transaction to occur, but it was under the premise that I had the funds in my account. I had also called Bank of America because there were complications with transferring the money ( when I had called I did not know that it the cashier 's check was fake ), and they said that it would just be a few more hours to process it. I do not understand how I could authorize a transfer if I do not have the sufficient money in my account. Further, both Bank of America and XXXX, both stated that they are not liable, but this application is available to use without adequate protection or clear liabilities to the consumer. They both direct you to a FAQ section stating that they are not held reliable, but I feel this should not relieve them from the obligation to protect consumers. I thought I was sending the money to another verified bank account.
Consumer complaint received 2022-12-15
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)

Please take a look at the attached letters and XXXX XXXX for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-29
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: TD BANK US HOLDING COMPANY (TX)

FRCA Violation name
XXXX XXXX  FRCA Violation loan
TD AUTO FINANCE
FRCA Violation collection
XXXX
FRCA Violation loan
XXXX XXXX XXXX  FRCA Violation enquiries
XXXX XXXX XXXX  Inquiry: XX/XX/XXXX
Bank XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry: XX/XX/XXXX
Finance/Personal
XXXX XXXX
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NY)

I received a bad mark on my credit report from Barclays which caused my score to drop over 100 points. I was never notified of a late payment or received a credit card statement. I have my credit cards on automatic payment from my bank account so I would never have a late payment. I called Barclays and was told that they had no record of a delinquent account with me. Five days later I received a letter from Barclays saying my account was being closed because it was 90 days late for payment. I called the number on the letter and was told they dont have a record of this letter or of a delinquent account. I was told they would create a case # and I would receive a callback in 10 days.
Consumer complaint received 2021-12-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (PA)

Rocket Mortgage service my FHA loan, I purchased my home XXXX of 2015 for {$95000.00} putting down {$10000.00} balance of {$85000.00}! Never missed a payment or late! I have more than 20 percent equity and less than 80 percent of my mortgage left on my loan. Also if you're going to estimated my home value, please be fair as of today my home value is {$150000.00}! 

Their reasons for putting in XXXX- they said my debt ratio! Also credit me back when my loan reach {$76000.00}! My payoff is {$69000.00}
Consumer complaint received 2022-12-01
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. (PA)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2019-10-12
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. (NY)

Responding to CFBB XXXX on XXXX TransUnion in part responded pending investigation which will be completed on/or before XXXX 21 days after the promised completion date the completion is still to be reported.
Consumer complaint received 2019-10-12
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. (NC)

[ XXXX XXXX ] [ My XXXX XXXX account number is XXXX but at this time my bank account s closed ] [ Born on XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ] Re : The dispute error was points being deducted from my score when after I was told it would not drop my score Dear [ CFPB, ] I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, TransUnion ] consumer report : Dispute 1 [ These are examples. Pick the ones that apply to your credit report. ] Account Number or other information to identify account : [ My account number for XXXX XXXX is ( although the account for it is currently close ) is XXXX and my credit card number for XXXX XXXX is XXXX good thru XX/XX/XXXX cvv XXXX Dates associated with item being disputed : [ The date associated for the credit score deduction is XX/XX/XXXX. The date for the very first dispute of an unauthorized transaction was around XX/XX/XXXX or XXXX XXXX at around XXXX ] Explanation of item being disputed : [ I was told that the dispute of the unauthorized transaction of XXXX was going to be disputed and that XXXX XXXX flagged it and was going to refund the money. I and here is the reference number an agent gave me XXXX. I even asked if my credit score was going to drop and the answer was no But today it did drop. 
Im the victim of identity theft and I dont recognize one or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft. ] Dispute 2 [ My Credit Score went from XXXX to to XXXX and my credit over limit that became over its limit due to the unauthorized transaction is {$330.00} it went over its limit by {$34.00}. 
I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2019-10-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ProCollect, Inc. (TX)

Debt Collector : ProCollect XXXX XXXX XXXX # XXXX XXXX TX XXXX, Representative for this company is a Mr. XXXX, I have repeatedly asked that all communication with this company be via mail, they still continue to call and call at any hour of the day. They also continue to call my employment even though they were never given this number and have been asked to not contact. I have repeatedly asked that they not contact my Ex-Husband on his cell phone regarding a debt that is not associated with him at all ( divorce final over 6 years ago, debt is from 2019 ), the last call was on XX/XX/19 to his voicemail. I have sent a certified letter XX/XX/19 to this company specifying their violations.
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 Days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: JPMORGAN CHASE & CO. (CA)

Account ending XXXX & XXXX On XX/XX/2019 I spoke with XXXX about the numerous incidents in which Chase is sending questionable mail to an address Ive never resided. After speaking with XXXX about my concerns of my information being sent to another address, she recommended that I monitor my credit report. Ive contacted Chase twice by phone and given two sets of answers as to why the XXXX address continues to receive mail directed to me. 

I sent a letter on XX/XX/2019 letter directed to XXXX XXXX in reference to sending my non public information to XXXX XXXX XXXX XXXX CA XXXX. My letter was in reference to account ending in XXXX in which I am being informed of a change in my card. I did not get a response. 

Chase sent a letter to me on XX/XX/2019 confirming that my address on file was always reflected as XXXX XXXX XXXX XXXX CA XXXX. 

I sent a letter on XX/XX/2019 letter directed to Chase Bank USA,  N.A. in reference to sending a Marketing piece to XXXX XXXX XXXX XXXX CA XXXX. I did not receive a response. 

Chase sent a letter to me XX/XX/2019 to XXXX XXXX XXXX XXXX, CA XXXX letting me know that youve updated my address and that you also mailed a letter to my previous address Chase sent a two letter to me XX/XX/2019 to XXXX XXXX XXXX XXXX, CA XXXX, referencing accounts ending in XXXX & XXXX letting me know that youve updated my address and wanting me to verify the request. 

Please have someone respond in writing and assure me that my private credit card information has not been compromised based on Chases actions.
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

This complaint is in reference to XXXX, Experian and XXXX XXXX. I recently paid off nearly {$5000.00} in credit card debt. The card was never late and the account was paid in full. According to the credit simulator, my score should have increased 55 points, but it only increased 2 on one report and 1 pont on another. While each of the three CBI will argue that the simulator is for educational purposes and every case is different, the practice is misleading and deceptive. On information and belief, my credit scores are being artificially suppressed in an act of retaliation for my complaints. I am seeking the assistance of the State Attorney General.
Consumer complaint received 2019-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I deposited my {$590.00} paycheck at approximately XXXX on XX/XX/XXXX. At that time, I first started to do a mobile deposit, and the system said {$190.00} if I proceeded. So I cancelled it, went to a physical ATM, deposited there. The system told me {$95.00} would be on hold. Was fine with that. System continued to say that until approximately XXXX that night. The next day, that suddenly changed to {$390.00} being on hold until XX/XX/XXXX. I have been given a number of excuses by a " senior rep '' named XXXX that don't explain much of anything, no solution was offered, and am facing multiple overdraft charges due to being given misinformation.
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have contacted Transunion to get these hard inquiries removed off of my account. I am a victim of identity theft and the companies is suppose to call me before they run my credit and it causes me to get a hard inquire. They refuse to remove them and I want them done. 

The hard inquiries are XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XXXX XX/XX/2016.and XXXX XX/XX/2016
Consumer complaint received 2017-05-31
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: JPMORGAN CHASE & CO. (NY)

i found recently that is an account has been reported to my credit file and its not even belong to me, i contact with company to find out but i found poor respond from their end this account is not belong to me and its damage my financial life,
Consumer complaint received 2019-10-12
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)

Transunion has placed the creditor, again, on my report, named XXXX XXXX XXXX for {$76.00} ) after they had originally deleted them off about a year ago ; when I had reported that the charge was not mine, due to fraudulent charges and identity theft. The charge does not belong to me. Transunion also took off XXXX   XXXX XXXX charge off account and added it bank to my account. I had reported to Transunion that the account had fraudulent charges that were not mine. The charges do not belong to me. 

Also, I would like to report that Transunion and the other credit reporting agencies are aware of my data/identity being stolen in the past. XXXX XXXX and XXXX has recently contacted me that my person data/identity has been breached/compromised again, by several entities. Over the last 5 years ( or more ) to current ( as recent as XX/XX/2019 by XXXX XXXX and XXXX ), it has been reported to me that my data/identity/credit had been breached by over 20 various entities. Some of entities ( past and present ) had included had included XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, college book stores, email entities ( as XXXX ), medical,  and more. They included my name, address, date of birth, credit card information, and social security number.
Consumer complaint received 2019-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (CA)

Hello, Sir or Madam! 
Thank you so much for your time and kind consideration!! My friend, XXXX XXXX used the service of ZELLE to transfer the money to me, XXXX XXXX on XX/XX/XXXX. XXXX XXXX 's bank is XXXX. My bank is XXXX XXXX XXXX. I did not register my phone number with Zelle, only my email address. XXXX confirmation number is XXXX for {$1.00} and XXXX for {$1400.00}. I have contacted both bank and filed a dispute with XXXX, but XXXX is unable to help XXXX XXXX and my bank, XXXX  XXXX XXXX is stating that they never received the transfer. I have contacted ZELLE and ZELLE is asking me to contact the bank. No one is willing to take responsibility for the transfer. ZELLE should have return the money within 14 days if the number is unfound or unregister, but my friend never receive back his {$1500.00}. Please provide me the best option in order to obtain my money back of {$1500.00}. Please also let me know if I am able to provide you with any additional information. I am truly very appreciative for your time and kindness.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

OnXX/XX/XXXX, I went to XXXX XXXX located at XXXX XXXX XXXX in XXXX, CA to withdraw money from my American Express Serve card. I went through the process of entering in my pin number and the amount along with which account to take the funds out of only to have the ATM machine not to dispense any money. I waited a good 3 minutes to see if the machine would dispense any money, before attempting to it again since I had some bills to pay that was due in a day I really did not think nothing of it, so I attempted to try again only this time the ATM machine said withdraw is not allowed. A male was waiting to use the ATM and stated oh that ATM machine is always breaking down and went inside the branch. I was waiting longer than normal for my ATM card to be returned.

A female employee came outside and asked me if everything was okay, I stated the machine final gave me my card I did not think much of it, she looked at the ATM machine and went back in, I on the other had went to another XXXX XXXX near where I was at this time it was in a grocery store only for the machine to say that contacted lender. I then looked online only to discovered. The funds was showing as if I made a transaction. I attempted to make a transaction but no funds was dispense.

I had to be at work at XXXX XXXX. so I had to head to work on my break on XX/XX/XXXX. I contacted my bank to dispute the charges and on XX/XX/XXXX my bank sent me an email informing me that my dispute was denied. I then contacted XXXX XXXX to inquiry why would my bank American Express serve would say that ATM vendor indicated funds was dispense when they were not.

I spoke with a person by the name of XXXX she informed me that a detail investigation was not done and that American express Serve need to request the date stamps, camera, error log. She only mention that a basic one was done and I need to contact my lender to re investigate.

I contacted my lender on XX/XX/XXXX. I am late on a few bills because of this situation that I had no control over.
Consumer complaint received 2019-07-11
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: EQUIFAX, INC. (UT)

Equifax is reporting incorrectly the XXXX XXXX XXXX partial account number XXXX as ( 120 ) plus days past due. ( Please see page 4 of the attached credit report. ) This account was included in my bankruptcy and should be reporting as such. I have contacted the bureau to fix this however, I have been unsuccessful. This incorrect reporting is harming my credit score. This trade line item needs to be updated to report accurate information.
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

This complaint is in reference to Equifax, XXXX and XXXX XXXX. I recently paid off nearly {$5000.00} in credit card debt. The card was never late and the account was paid in full. According to the credit simulator, my score should have increased 55 points, but it only increased 2 on one report and 1 pont on another. While each of the three CBI will argue that the simulator is for educational purposes and every case is different, the practice is misleading and deceptive. On information and belief, my credit scores are being artificially suppressed in an act of retaliation for my complaints. I am seeking the assistance of the State Attorney General.
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX/XXXX  XXXX XXXX Date Opened>>>> XX/XX/2017