davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
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. (UT)

Equifax ; XXXX  and XXXX  are falsely reporting that I am ( 60 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Re : CREDIT REPORTING ERROR. Misreporting XXXX XXXX data reporting to Experian and XXXX includes 1 ) dates of last activity on Experian, 2 ) duplicate reporting on XXXX, and 3 ) balance on duplicate XXXX reporting.
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

Under the FCRA, I request that LexisNexis immediately notify XXXX of the folllowing : That the bankruptcy Item XXXX is deleted from my LexisNexis file. And to provide me with a copy of said communication. Under the FCRA, I have the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).
Consumer complaint received 2022-02-18
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: JAN (LendUSA) Holdings, Inc. (AK)

My family and I will be moving to XXXX XXXX, CA near the end of the year ( XX/XX/XXXX- XX/XX/XXXX ) due to military orders. We started speaking with a local realtor who referred us to XXXX XXXX of the XXXX XXXX XXXX LendUS LLC in XXXX XXXX, CA. My wife clearly stated that we would not be moving or be obtaining financing until we actually make the move, dates previously stated. XXXX even confirmed that a hard credit inquiry for the purposes of securing a home loan would make no sense with us being 9-10 months away. My wife was merely calling to get an idea of rates and current market conditions. She did provide the financial information needed to run a report so that it would be on file. At no time did my wife authorize XXXX 's firm to run our credit, and it was clear on both sides that it wouldn't make sense this early in the process anyway. Upon hanging up, XXXX immediately ran our credit without permission. I was notified through credit monitoring services that I use. When my wife called to inquire, XXXX simply stated a ) that he assumed it was okay and b ) that I could just travel ( from Alaska ) to XXXX XXXX months ahead of schedule and buy a house. I'm not only cutting ties with XXXX as a lender, I've filed a dispute with XXXX, and am reporting this issue to you. I've put many years of energy and focus into building a strong credit profile, and reckless business practices like this work against all that effort. I have no documents to upload because this was all initiated by a phone conversation - nothing was filled out or signed. 

XXXX XXXX The XXXX XXXX XXXX LendUS LLC XXXX CRD/LENDUS XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2022-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX and I am personally submitting this complaint. Please view the attached documents as it will explain my complaint in detail for each inquiry
Consumer complaint received 2020-07-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (MA)

The company repeatedly calls using piggy backed numbers as to trick you in answering the phone. They also abuse you verbally - I have repeatedly requested to send me a statement or a mailing - I get nothing. They continue to call my relatives looking for me when they know XXXX well where to find me - as I have spoken to them in the past. A little understanding due to the world events would be nice but they have no niceties with them - they are disrespectful, harassing and must be stopped.
Consumer complaint received 2018-05-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX my FICO score went down from XXXX  to XXXX. I immediately log in to the 3 Credit Bureaus website to check what happened on my credit score ; I ended up submitting online disputes. I wasn't able to provide and attach any file supporting my claim because I don't have any documents at that time. There was no phone call, email, nor a final statement of account about this collection claim of {$86.00} that was reported by XXXX XXXX XXXX. The credit bureaus investigation results say that the claim is valid but didn't provide any reason. I decided to call XXXX XXXX  the credit collection agency in Texas that reported this claim to the credit bureaus. I asked what was the {$86.00} collection claim on my credit report that they also failed to notify me ; there's was no statement of account for me to verify. In the end, they ask for a dispute letter for them to investigate on this case. On XX/XX/XXXX I sent a dispute letter to XXXX XXXX On XX/XX/XXXX, I received a collection bill from XXXX XXXX XXXX The very first bill I got regarding this claim, but then again, I don't know the details of how I ended up having a credit of {$86.00}. OnXX/XX/XXXX I sent the dispute letter they asked to dispute the validity of the debt that they are claiming. In reply to my dispute letter, on XX/XX/XXXXXXXX  sent me a copy of all the documents they have on my account. For the first time, I finally see the final account statement billed by XXXX XXXX XXXX I can finally explain myself and again dispute those charges, those charges on my account are not valid. On XX/XX/XXXX, I sent another dispute letter to XXXX XXXX XXXX to explain what really happened and that their claim is not valid. I asked them to remove the collection claim that they reported to the credit bureaus. With all these steps of explaining and sending the dispute letters nothing solved my problem. I still have a collection report on my credit history and my credit score is still low. As my last resolve, I am filling this complaint and I will attach copies of those disputes letters and other supporting documents.
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MD)

I used my Chase debit card to withdraw {$800.00} on a Chase ATM on XX/XX/2021. The ATM did not dispense any money. 

I contacted Chase Claim Department and they issued me {$800.00} temporary credit. 

Today ( XX/XX/2021 ) they sent me a letter saying that they will remove {$600.00} temporary credit. I called them again and they said their " investigation results '' show that I got {$600.00} of the money so I should only get {$200.00} credit. 

This is wrong. I got {$0.00} from the withdraw and {$800.00} was deducted from my account. No matter what their investigation says there must be some mistake with it.
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AL)

My husband passed away XX/XX/19 & I paid off & closed The account in XX/XX/2019 A charge came thru the account XX/XX/19 from a company that my husband had an annual payment set up that I knew nothing about & when I received a bill for it I called & ask how could they accept a charge on an account that was closed. They said it should not have happened & would take care of it. Ive had to call over & over final hot a letter telling me I would have to pay it. PLEASE HELP ME! THIS ISNT RIGHT!
Consumer complaint received 2018-08-02
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. (CA)

XXXX XXXX is reporting on my credit for a XXXX debt that is over 8 yrs old and was paid a long time ago. When I called them they said they do not have the account anymore and they sent it back to XXXX in 2012. Yes they are currently reporting and damaging my credit. 
The debt is past the CA statute of limitations also and I do not owe it.
Consumer complaint received 2018-04-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

talked with bank on auto loan that was paid off as of XX/XX/2017 but the bank is saying that i still owe on the vehicle, plus showing late payments on credit reports. However i have vehicle title and letter from bank that show that the car is paid in full. I have contacted the bank and all three credit reporting agencies, and have send this proof to the the credit reporting agencies to correct this error. But they are siding with the bank and reuse to remove the negative info. They are still reporting incorrect information and will only listen to the bank while i have sent the info via the credit reporting agency web site or via fax to them. They will not remove it and will not allow me to file another dispute to have them correct this data.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NC)

DEBT OF EDUCATION/XXXX  I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO - 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2022-06-16
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANCO POPULAR DE PUERTO RICO (NJ)

I went to the bank on XX/XX/XXXX to make a withdrawal of {$200.00} and the teller tells me that I only had {$230.00} available. Before that, the last time I had went to the bank was on ( XX/XX/XXXX when I had made a withdrawal of {$300.00} and I had a remaining balance of {$1000.00}. They claim that I had went to the bank on XX/XX/XXXX and made a withdrawal of {$800.00}. I argued with them that that was not correct. I have a book that they stamp every time I make withdrawals or deposits and they did not stamp by book where they were supposed to when they claim I made that withdrawal. They told me that the teller made a mistake on that day ( XX/XX/XXXX ) and stamped it over another date at the beginning of my book. They proceeded to show me where the teller stamped it ; and it was over another date. If you look at my book where they stamped it, it's very confusing and I also noticed that they changed the numbers by handwriting over them. I did not get anywhere with them. One of the tellers even told me that I had not been to their bank in a long time and maybe I don't remember. They took my {$800.00}. I am XXXX XXXX XXXX and I do not have XXXX nor XXXX, and I am good with numbers. I never went to the bank on that day to withdraw {$800.00}. I get my XXXX check every first of the month and it covers all of my bills ; I didn't have a need to go into my XXXX XXXX XXXX account to withdraw any money. Please help me. I am a victim.
Consumer complaint received 2022-02-18
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: DISCOVER BANK (NY)

I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) that resulted from a short vacation in XXXX XXXX, Florida. I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, and they were unable to provide me with any proof otherwise.
Consumer complaint received 2018-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/XXXX at around XXXX I visited a Fifth Third bank ATM and I attempted to deposit {$1500.00} in cash into the ATM. Their ATM took my cash but the machine then stated that it didnt recognize any money being put into the machine so I cancelled the deposit and went into the branch to get the contact information of the dispute department. I filed my claim on XX/XX/XXXX and again on XX/XX/XXXX when I submitted my  reinsertion letter for the case to be further investigated. The branch submitted documentation showing that their ATM was out of balance. However, my case has been denied constantly even with the proof of the ATM being over balanced. I have yet to receive the credit to my account that I deserve and I am going to continue to be persistent in my efforts to resolve my case. I am asking that the investigator takes the documentation from the bank into consideration as well as video footage if the ATM is equipped with a camera.
Consumer complaint received 2020-07-28
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report.
Consumer complaint received 2019-03-27
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. (NC)

XXXX through XX/XX/2018, I contacted all three credit reporting agencies and requested a deletion of the Credit Card Company 's account of delinquency. I thought one of the agencies removed/deleted the bad 'mark. ' However, the XXXX XXXX 's XXXX XXXX said it still remand. I had a sickness and a death in the family which prevented me from pursuing after I sent verification of my identification to the credit agencies. Please, read my concern and attachments. Thank you for your anticipated cooperation and I look forward in hearing from you. 

With Warm Regards, XXXX
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NJ)

On XXXX XXXX at XXXX I was at the cvs to use the atm machine from XXXX XXXX.I was trying to get {$160.00} out of the atm machine.As I was doing that I was on my cellphone talking when the money of {$160.00} came out.I noticed that the money of {$160.00} had returned to the atm machine as I got off the phone.Im pretty sure the bank confirmed it with Chime.But Chime is being dishonest with my money of {$160.00} and they also charge me a fee for using the atm.I called Chime on XXXX XXXX to confirm this issue.But Chime never processed what I explained to them.I waited thinking it was processed in 6 days.On XXXX XXXX I called Chime again and Chime processed the dispute.Within 1 day on XXXX XXXX Chime denied my dispute.Claiming they have contacted the merchant.If the merchant was contacted then my money of {$160.00} would have been back in my account.Which my money of {$160.00} is not in my account.Anytime something doesnt go through of something of a similar issue happens the money of {$160.00} should have not cleared due to the money of {$160.00} going back into the atm machine.Im sure the XXXXXXXX XXXX cleared the $ XXXX believe Chime is being dishonest.They stole my money of {$160.00}.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (MD)

Date : XXXX XXXXSent Mail regarding inaccurate reporting I the consumer Per the FCRA as a federally protected comsumer I am now opting out of and and all authorization. I the comsumer may have given you written, unwritten, verbal and non verbal consent per 15 UCS 6802 the Irs states that a charge off is considered a certificate of indebtedness. Violation of : Fair Credit Reporting Act, Privacy act of 1974, 15 U.S.C. 1681b Permissable purpose
Consumer complaint received 2022-02-18
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. (LA)

I filed a dispute with XXXX, XXXX, and Equifax about inaccurate reported late payments, I uploaded a two bank statements to validate my dispute, yet no action was taken on my behalf.
Consumer complaint received 2020-07-28
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report.
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Consumer complaint received 2022-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been having problems with Transunion for some reason. They will not update my report. I have always made my payments on time. Also, I've contacted XXXX XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove this damaging negatives from my profile. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX-Late/Open Late Date XX/XX/XXXX
Consumer complaint received 2022-02-18
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 filed a dispute with XXXX, Transunion, and XXXX about inaccurate reported late payments, I uploaded a two bank statements to validate my dispute, yet no action was taken on my behalf.