davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (VA)

I reported my phone and chime and XXXX XXXX being stolen and hacked i let chime know what was going on since I bank with them chime responded to my transaction dispute and XXXX hours n denied it promptly I explained and pleaded sent more information chime claimed they escalated my issue n someone would call me no one called not a soul but everyone messaged me I have several run around messaged and promises they were not concerned or helpful at all no one cared no one I told them I was confused and I felt discriminated against no one called the next day they denied my claim I said I would get a police report they denied it and said not enough information and pushed me off as if this never happened to me I never had someone steal and use my money as if it was me and I never have a company not care let alone message n show it in proof
Consumer complaint received 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

A Method of Verification letter was mailed certified to Transunion XX/XX/2020 requesting them to verify the inaccurate bankruptcy they have listed in my credit report. The letter was delivered to Transunion on XX/XX/2020. They did not respond within the 15-day time limit. I mailed a 2nd certified letter to Transunion XX/XX/2020 requesting them to delete the inaccurate bankruptcy. On XX/XX/2020 I received a letter in the mail stating they are not removing the inaccurate bankruptcy and that they verified it as accurate. Transunion has not provided me any information on who or how this inaccurate bankruptcy was verified to be my record.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MA)

I am trying to add funds to my account from my external account, the SAME WAY I have hundreds of time before, only today I get : Transfer unsuccessful, Access blocked for security reasons. Tried XXXX different computers, and XXXX different browsers. As usual, chat support is useless. When I call, they transfer me to an outsourced idiots who I can not understand through their thick accent because that's the kind of PATHETIC customer service this disgusting bank provides it's customers
Consumer complaint received 2017-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Date of transaction :  XXXX   XXXX ,   XXXX   Amount : {$300.00} Actions : In response to this issue, I visited my branch of Chase bank  ( i n Texas ) for help. They notifi ed Mother 's  branch ( in Idah o ) that  she must show identification now. However, my branch says " known customer '' withdrawals without identification are legal.     Desired action from the bank : Restore the withdrawal.     Issue : Mother 's bank says she is a " known customer '', so they allowed her to withdraw without identification. However, they did not know that she had a  XXXX    XXXX   XXXX   XXXX  , and can absolutely not be a known customer, and that her grandson coerces her for money. We want the bank to restore the funds they allowed her to withdraw, because we believe identification is a security requirement that they allowed to slide.     Mother now lives in   XXXX   XXXX   XXXX   XXXX  , with the right to come and go. This means others may take her out for visits. Her grandson is a   XXXX   XXXX    XXXX  adult. He took her to the bank.     We thought her finances were safe because we ( sister and I ) have her identification, credit card, bank checks, etc. I 'm her financial power of attorney and have been added to her account. As a result of this withdrawal, I have learned about conservatorship and have requested an application.     Mother 's income is minimal. She receives Social Security and a small insurance annuity. Nearly all of her income goes to the   XXXX   XXXX   XXXX  , medication, and hospital costs. She can not afford this loss.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

TransUnion changed my name on XX/XX/2021 to a XXXX XXXX XXXX XXXX. I called on XX/XX/2021 to have it corrected, which is not still corrected at this time. I received a copy of my credit report and the XXXX is still on there. They never corrected per the phone call when I asked them too. My real name is XXXX XXXX XXXX
Consumer complaint received 2016-12-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (TX)

IC System is reporting a debt of {$380.00} from XXXX under my name to XXXX credit reporting agencies -- XXXX, XXXX, XXXX. Unaware of such an account, I requested that IC System send me specific information pertaining to this debt under Texas XXXX XXXX XXXX XXXX XXXX XXXX ( see attached letter XXXX. According to XXXX XXXX, when requested, a debt collection agency or credit bureau must provide the alleged debtor with specific validation information concerning their alleged debt within XXXX calendar days. 

The debt validation request was mailed via XXXX Certified Mail with Return Receipt on XX/XX/2016 and received by IC System on XX/XX/2016. IC System has been given more than XXXX calendar days to provide a timely response, but has failed to respond at all. 

Per XXXX XXXX XXXX d ) ( XXXX ), failure to respond to the request within XXXX calendar days, or failure to validate the debt, requires IC System to delete their tradeline from all credit reporting agencies. 

In addition, since receiving a request for validation, IC System has submitted a " XXXX '' remark to the credit reporting agencies ; an action that I did not request. I merely requested more information about an alleged debt, which is fundamentally different from disputing such debt. IC System took it upon themselves to report a dispute that I did not request. 

IC System is not only attempting to collect a debt that they can not or have not validated, but their collection practice is irresponsible. This feels like a bullying tactic to ( XXXX ) make a person feel guilty about requesting more information, and ( XXXX ) indirectly provide that person with the negative consequences of having a dispute remark on their credit reports, such as the potential ability to obtain future credit or loans.
Consumer complaint received 2023-06-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC. (FL)

The company unlawfully took possession of my XXXX XXXX XXXX XXXX. 

I filed bankruptcy, Monday XX/XX/XXXX and notified ALLY BANK. I provided the company with the Bankruptcy filing number : XXXX. I also notified the company that all collection activity must stop in accordance with the Federal Rules of Bankruptcy Procedure. 

The company willfully failed to comply and continued to require that I pay them to get the XXXX XXXX XXXX XXXX back in my possession. 

The company is depriving me of my rights under XXXX of law.
Consumer complaint received 2020-11-10
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. (IL)

I have numerous credit inquiries that are not recognized on my credit reports. I have sent letters to each credit reporting agency including XXXX, equifax and XXXX. I have no help and no reply as to what needs to be done. I would like them to acknowledge that these are fraudulent credit inquiries or at least not authorized by me and remove them. I even received one credit card for XXXX XXXX that was applied for as well, the problem here is im a man why would i need a victorias secret card for? I have several disputes that just do not get taken care of too.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (FL)

I was looking over my credit report and I saw this negative collection item of {$930.00} for something I do not recognized from a company called ONLINE INFORMATION SERVICES the report shows the account was open XX/XX/2018 and the original creditor was XXXX XXXX XXXX  XXXX  I would like this to be permanently removed from my credit report
Consumer complaint received 2023-03-17
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. (GA)

I am XXXX XXXX and I am submitting this complaint and there is no third party involved. These accounts/items are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts/items for me to review the exact date on which the negativity was posted. There was definitely an error on their part. The bureaus are condoning illegal behaviour and willfully in the violation of FCRA. REMOVE THEM FROM MY REPORT IMMEDIATELY. 
Inaccuratye Addresses : 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
Consumer complaint received 2022-05-13
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. (AZ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX has failed to properly validate this account and has slandered my personal credit profile. I sent them a letter XXXX XXXX in which they failed to respond with justifiable proof in the allotted time frame. At this point my rights have been violated and my personal credit profile slandered. According to these laws there's nothing more to discuss 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 also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I have been trying since 2011 to remove a FRAUD ALERT that I do not recall placing. To date, I have been unable to remove this FRAUD ALERT. I've called the number only to get circled around in the voice mail XXXX. Several times it says I can place a freeze but I can't remove one which is exactly what the online data said. Every time I apply for credit that uses Equifax, they aren't able to process my application but it still counts as a hard pull on my credit report. I applied for a XXXX card 2 weeks ago and they weren't able to verify my identify and my credit score decreased 11 points just due to this. I've applied for credit four times in the last 2 years that uses Equifax including XXXX, XXXX XXXX and XXXX   and no one has been able to verify my identity and yet it still lowers my credit score but they never receive a report. Again, I've tried multiple times to remove this including the online system to no avail. The online system asks me my name, address, SS no, birthdate and then proceeds to tell me that they can't find my credit file BUT it asks me if I want to PLACE a credit freeze and actually will allow me to do so BUT to remove a freeze or FRAUD ALERT, they suddenly can't find my credit file. This is ridiculous! I've been trying to remove this ALERT since 2011 when I paid a {$40.00} application fee for an apartment but they couldn't get my credit file and of course I didn't get the {$40.00} refunded to me!!!! I WOULD RATHER HAVE MY IDENTITY STOLEN BY THIEVES THAN TO KEEP DEALING WITH EQUIFAX AND THIS FREAKING FRAUD ALERT WHICH I CAN'T EVEN GET REMOVED and since I don't know who is going to pull equifax, this is killing my credit score and I'm not being approved for anything. They responded that there is no security freeze but there is a fraud alert and this needed removing ASAP!!!
Consumer complaint received 2022-12-14
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$730.00} ; XXXX XXXXXXXX Balance Owed : {$660.00}.
Consumer complaint received 2019-10-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO. (NY)

I received a letter on XX/XX/2019 that was dated XX/XX/2019 stating that I owe {$2600.00} Before I even opened this letter, I knew that this letter was for a debt collection. The neighbor that received my mail by accident also made a comment about the fact that this letter was from a collection agency, also without opening the letter. 
In today 's day in age, people are nosy and almost everyone has access to the internet. 
I have attached a picture that shows the collection agency 's name and address right on the front of the letter in the address fields. 
Since I am a debt collections manager myself, I know that this is illegal due to third party disclosure laws that are regulated through the FDCPA protection laws. 
It's very easy for someone to XXXX the company listed on the letter in order to see that it is a collection agency sending the letter which in turn discloses that I may have a debt with that agency, as there aren't other many reasons for such a letter to be sent by that type of company. Since this company handles many types of debt, it's a pretty popular one that many people know about and some people may not even have to XXXX it to figure that much out. 
This embarrassing issue is one that no debtor deserves to go through since there are so many laws that prevent such practices that divulge the fact that I have dealings with a collection agency to people other than the one that owes the debt. Also, since the letter took so long to get here, it's possible more than just my neighbor now knows about my personal business matters are with a collection agency.

This issue is not only not acceptable due to morality issues, it is illegal. Also there have been agencies in the past that have had major lawsuits dealing with this exact issue. Those cases outcomes are what helped cause the laws to be the way they are now.

I will consider not perusing legal action against XXXX if they are willing to rectify this situation by paying my account off, in full, in the month of XXXX. 
Compared to the potential consequences and costs of this going to civil court, this option would be a much cheaper and less damaging to the company 's reputation. 
If this issue is not dealt with by the company appropriately, I will have little choice but to take further actions in order to get compensated for the humiliation I experienced caused by this agency 's negligence of ensuring that my PERSONAL business matters remain private and not displayed for the public to see.
Consumer complaint received 2022-05-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX, XXXX 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 an account without my written instructions.
Consumer complaint received 2021-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (AZ)

I have received a letter from XXXX XXXX XXXX XXXX dated XX/XX/2021, stating that I owe a debt to US BANK for {$430.00}, which is a settlement amount. It doesnt even list the balance in full. They have also reached out to me via phone threatening me like they are going to sue me and garnish my wages over a debt I DO NOT OWE! The gentleman who called me was EXTREMELY rude and telling me, I better pay or else!. For here on out I am recording EVERY conversation and looking into attaining an attorney. I am also going to the police about this matter.
Consumer complaint received 2022-05-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX, XXXX 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 an account without my written instructions.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SLM CORPORATION (CA)

XX/XX/2022 my Sallie Mae credit card was fraudulently used in XXXX  at a XXXX XXXX to purchase over {$900.00} in products. I live in XXXX and have never been to XXXX outside the XXXX XXXX. Sallie Mae approved this large {$900.00} transaction in a different state when the credit card hadn't even been used the prior 2 months. The XXXX XXXX employees allowed a purchase to be picked up without verifying ID or credit card. I did not authorize or approve this transaction, nor did I share my personal and credit card information ( other than typical online purchases ) with anybody to allow for this transaction to happen. I reported the fraudulent transaction to Sallie Mae immediately. They cancelled the card, sent out a new one, and started the investigation. A month passes and I receive an email from Sallie Mae stating that they believe this was a valid transaction. And because I know it's not, I am disputing their investigation. Under no circumstances will I pay this bill to Sallie Mae. I will take them to court over this if I must, they will not ruin my flawless credit history with their inept investigation. A week before this Sallie Mae fraud I also had 3 other credit cards that were fraudulently used- XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the attached letter I add more info.
Consumer complaint received 2022-11-01
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. (CA)

I previously reported as well notified XXXX XXXX of errors on my report and supplied them with documentation letters court orders vas well updated my consumer statement Registered Letter XXXX XXXX XXXX XXXX XXXX USPS asking them to remove XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX {$4500.00} and XXXX XXXX I supplied them with Divorce Degree as well notified them that XXXX XXXX is reporting in error and there Contact on profile not to be valid as well attached returns email on bad contact I also asked for a full updated report with new address as well to remove inqireiers dating over 2 years to date XX/XX/2022 my record reflects the same as well that have not got me my updated report and or remove dispute dating of 30n days XXXX is acting in bad faith and not following Federal guide lines
Consumer complaint received 2018-02-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (AZ)

I was told by a bank that I can't open a bank account due to money owed to TD Bank in NY. I called TD bank on approx. XX/XX/XXXX and was advised that amount owed is {$370.00} and if I paid {$200.00} within 30 days it would be marked as paid in full and I would be removed from the " blacklist '' that is holding me back from opening any bank account through out the banking system. On XX/XX/XXXX my sister walked into a bank branch and paid the {$200.00} which I have a reciept for. On XX/XX/XXXX I called wondering where my paid in Satisfaction letter is and why I haven't been removed from the " blacklist '' since I was told by a bank that I still can't open an account. I was told by Recovery Department that they made a mistake and didn't mark it as paid in satisfaction and that he would mark it as paid nd request chexit system to be updated so I can open an account. On XX/XX/XXXX I called back requesting a update for a letter. The guy said a request has been made and I should've gotten a letter from the branch where I opened an account. He said he would put another request in. I called the branch today XX/XX/XXXX and the branch said I'm not getting a letter cause I still owe {$170.00}. At this point I'm furious cause there obviously not caring or know what there doing. I again called Corporate TD bank again and they said no request has been put in to update the chexit system " blacklist ''. But according to corporate it's paid in full. I asked them to call the branch to let them know and he refused. He said they don't do that. So as of today I can't open a bank account to do business, the branch isn't on the same page as the recovery department of TD bank corporate,  and it's very obvious that they don't care even though I gave them there money and have been extreamly patient. Also I was advised today that no one in recovery made any notes to update the chexit system or " blacklist '' system. PLEASE HELP ME!!! I can't open any bank account to do business. ThANKS
Consumer complaint received 2016-04-02
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (FL)

VIOLATION OF FCRA. The mortgage company PHH mortgage is incorrectly reporting our last payment date for an account that is in foreclosure. We last paid our mortgage in XXXX XXXX and have been in foreclosure since XXXX XXXX. Recently we disputed the last payment date of XXXX XXXX and the creditor reported to XXXX that this date was correct when it IS NOT CORRECT AT ALL. It has been in litigation since XXXX and we HAVE NOT PAID NOR HAVE WE PROMISED TO PAY.