davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Prosper Marketplace, Inc. (TX)

I contacted Prosper credit card and advised to close my account to stop fees and I would pay off within 30 days using online account. They closed my account and instead if leaving the account payment service open. They closed it down and still marked late payments. It can't be late if I closed it. I can't make payments online and don't trust a human not to steal my bank account info. I want them to grant access and reverse fees and negative remarks on credit reports. I'll immediately pay off as I've promised. I've contacted them asking for this to no avail. Help me please.
Consumer complaint received 2022-05-06
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (TX)

Hi, I have a problem. I work in XXXX. The company gave me a bank card for my deposits. It's called " shylight ONE. '' They hacked my account and made withdrawals from my account. cash withdrawals and it is not like that I have the history if you could help me I would greatly appreciate it it was in the month of XX/XX/2021 what they did was unfair Total {$2300.00}
Consumer complaint received 2022-05-06
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. (GA)

. To Whom It May Concern Experian has been sent letters 3 letters since XX/XX/2022. They continue to keep false information on my credit report. My report is beyond inaccurate. It bothers me that every month this still is happening month after month. The following issues still have not been addressed. I have names, addresses, hard inquiries, and collections on my credit report that continue to update. Now I see 2 new inquiries, and nothing is being done. I do not have any credit cards now but one card. Yet I have 11 hard inquiries that have been reported on my credit profile. 

My name is XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Collections : XXXX XXXX XXXX ( no verifed proof ) The above and address should be the only ones on my credit report. Yet when I send certified letters to them, they come back as verified. How was this information verified? There was no letter sent to me in the mail as I requested on how they verified this information. The false information that they continue to report is damaging to my credit profile. I want this information deleted immediately
Consumer complaint received 2020-11-10
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX  XXXX XXXX XXXX {$2600.00} XXXX  XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX XXXX.
Consumer complaint received 2020-11-10
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX  XXXX XXXX XXXX {$2600.00} XXXX  XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX Inquired on XX/XX/2018 XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX XXXX.
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

THE DISPUTED ITEMS HAVE BEEN DISMISSED AND SHOULD NOT HAVE APPEARED ON MY CREDIT REPORT. PLEASE RE-INVESTIGATE AND HAVE THE DEROGATORY ITEM OFF MY CREDIT.
Consumer complaint received 2023-07-23
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. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2018-02-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CA)

M & T Bank has illegally locked us out of our home at XXXX XXXX XXXX XXXX, FL Please help me understand why M & T Bank is inspecting our property and changing the locks outside of the Loan Modification agreement made with XXXX XXXX XXXX. 

* We entered into a Trial Payment plan for XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

1. ) The Defendants hereby certify that an AGREEMENT was executed in XX/XX/XXXX with XXXX XXXX XXXX XXXX, a debt collector on behalf of M & T BANK for a Trial Payment plan for the purposes of a loan modification. The Asset Manager assigned to this case is known as XXXX XXXX at ( XXXX ) XXXX And XXXX. 

2. ) The Defendants hereby certify that M & T Bank issued a WORK ORDER on Tuesday, XX/XX/XXXX which provided access to subject property at XXXX XXXX XXXX UNIT XXXX XXXX, FL XXXX on Friday the XXXX day of XX/XX/XXXX and keys to said property were conveyed. The POC for this WORK ORDER is XXXX and he can be reached at XXXX to confirm. 

* The trial payments were made as followed - XX/XX/XXXX Confirmation Number XXXX with XXXX XXXX XXXX, Agent name is XXXX - XX/XX/XXXX Confirmation Number XXXX with XXXX XXXX XXXX, Agent name is XXXX - XX/XX/XXXX Confirmation Number XXXX with XXXX XXXX XXXX, Agent name is XXXX * We were XXXX a Loan Modification package on XX/XX/XXXX. 

* The XXXX payment was made as agreed on XXXX XX/XX/XXXX via XXXX XXXX XXXX pay Confirmation # XXXX * We were granted an extension review on XXXX XX/XX/XXXX for Loan Modification Documents * The loan modification documents were XXXX back on XXXX XX/XX/XXXX Tracking No. XXXX XXXX XXXX * M & T Bank issued a property inspection charge on XX/XX/XXXX for XXXX. 

Why is there a property inspection charge on my account? 

This means that a vendor entered our property opposite of our Loan Modification? 

New carpet was installed XXXX XX/XX/XXXX. Fresh paint was applied XX/XX/2017 

I do not know what and/or any damages were made to the renovations we completed at this time? 

* M & T Bank has entered our property without notification. 

* M & T Bank has changed the locks to our property restricting access to our home. 

Will XXXX XXXX, the attorney for M & T Bank, explain what is going on? 
We have abided by the agreement and making payments on the Loan Modification as submitted. M & T Bank is restricting access to a property that we rightfully are paying a mortgage payment? M & T Bank is restricting our right to lease out the home and causing additional hardship, stress and suffering. 

I am waiting on a response. No one from Modification has responded to me on what is going on
Consumer complaint received 2023-03-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

I am a victim of identity theft in which it has resulted in multiple accounts of different varieties has been opened in my name. I have been reporting this information to Equifax, XXXX, XXXX on numerous occasions. They each have failed to investigate this matter properly. I sent in a XXXX letter requested that all items be removed and yet these items still remain on my credit report. All items have been reported to the FTC as well. I have sent in my ID SSN and also letters requesting to remove incorrect information off my correct. My rights are being violating by Equifax, XXXX, XXXX and Im in the process of seeking litigations. There are multiple inquires wrong names and address and fraudulent accounts located on the credit reports. I was also told that there is another account from another person with a similar name who's information was merged with my account. XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2022-05-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Both my business & personal account has been effected drastically by Bank of America throughout the years. My personal account was closed after being with them for years due to negative amounts I was unaware of. I never received a call or notification I just sent to use my card one day and it wouldnt work. I called them and they told me they closed my account and that I owe them hundreds of dollars from fees. I told them I didnt even know it was negative and I wanted to resolve this to continue to use their bank and they only demanded money from me. Ive never experienced this over the years and it seemed like they didnt even care and didnt give me any other option to help even though we are all in a pandemic. I was told my account was closed and I wouldnt be able to get my original account back even if I paid. This caused my credit score to drop, I couldnt pay my rent how I normally would and was forced to pay through XXXX XXXX and other places which charged me even more fees. My business account has been charged multiple fees any day it is brought into the negatives and every day after if it is still negative even {$1.00}. Times are extremely hard right now, I myself have had XXXX and have A lot of people around me who have it now as we speak which has caused me not be out of work and hard to find work. On top of that I have two kids and one of their mothers has XXXX right now so I have to support more than I am able to. Im not able to send her money via XXXX transfer to support our child anymore, Im forced to bring her money which is not safe for me because I dont want to get XXXX  again. Please help
Consumer complaint received 2022-05-06
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. (AL)

This account is on my report and it does not belong to me it was opened fraudulently in my name. 

XXXX XXXX XXXX XX/XX/13 XXXX
Consumer complaint received 2022-05-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

15 us code? 1605 determination of finance charge. 
Look at the spelling of my name, XXXX XXXX XXXX, XXXXXXXX XXXX = fact=correct. Any thing alse is null and void. Fraudently convayed language is with charges of pergery that will hold up in the foreign vessel on dry doc. With evidence in hand. I'm going to give you10 days to fix this problem. Starting now.
Consumer complaint received 2022-05-06
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. (FL)

I have reviewed my consumer report and would like to inform you of the inaccurate information that you are reporting under fair credit reporting that you are reporting, under fair credit reporting act 15 usc 1681a ( fairness of accuracy ) & 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) ( d ) ( 2 ) ( ii ) the accounts listed as DeptedXXXX are currently reporting inaccurate information Experian, XXXX, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 
DeptedXXXXt are currently reporting inaccurate information Experian, XXXX, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 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 instructions of the consumer to whom it relates.
Consumer complaint received 2022-09-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

I received a credit card thru XXXX, and transferred a balance from a XXXX XXXX account to the new XXXX card. However, in my EquiFax credit report, they show the new XXXX balanxe, but did not deduct the transfer amount from my XXXX XXXX account. So it appears as though I owe apx {$3800.00} more than I actually owe.
Consumer complaint received 2020-11-10
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: CBC Companies, Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$4400.00} XX/XX/XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX XXXX {$2500.00} XX/XX/XXXX XXXX {$3400.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2018-04-25
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)

I was incarcerated for five years. I was released XX/XX/XXXX from XXXX XXXX CT. I ran my credit and I have no knownlegde of these accounts nor did I give anyone access to any of my personal information while gone. Below is the accounts. 

1 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT. XXXX Date Opened-XX/XX/XXXX Amount {$900.00} Remarks-Charged off as bad debt. Account closed by consumer. 

2 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened- XX/XX/XXXX Amount {$0.00} Remarks-Charged off as bad debt. Purchased by another lender. 

3 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened-XX/XX/XXXX Amount- {$1000.00} Remarks- Placed For collections 4 ).  XXXX XXXX XXXX XXXX XXXX XXXX, NC. XXXX Date Opened-XX/XX/XXXX Amount {$180.00} Remarks- Placed for collections 5 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened- XX/XX/XXXX Amount {$8000.00} 6 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX. XXXX Date Opened- XX/XX/XXXX Amount {$97.00}
Consumer complaint received 2023-03-15
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: All State Credit Bureau, Inc. (MI)

This debt was submitted for collections without proof of debt owed. The company was contacted phone and could not verify or provide any proof. It was then agreed that the debt would be satisfied after speaking to the companys alleged lawyer. However the account remains on my credit report after I have been garnished for an unverified debt that has since been paid in full.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reviewed my consumer report and would like to inform you of the inaccurate information that you are reporting under fair credit reporting that you are reporting, under fair credit reporting act 15 usc 1681a ( fairness of accuracy ) & 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) ( d ) ( 2 ) ( ii ) the accounts listed as Deptednelnet are currently reporting inaccurate information XXXX, Transunion, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 
XXXX are currently reporting inaccurate information XXXX, Transunion, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 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 instructions of the consumer to whom it relates.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

Hello CFPB to whom it may concern, Somebody stole my {$3400.00} starting from XXXX to today XX/XX/2023 out of my account when I was sleeping plus they stole and I have just notified my bank requesting chargeback from all those transactions somebody hacked my identity guys please help me get my funds CFPB. I barely use that account I checked my email and noticed and contacted the bank asap they had shut the card down and promised to me that I would receive a provisional credit but every time they deny it every time 5 days before the provisional credits its like Chime not trying to help me recover my stolen funds and keep telling me no error occurred and an error did so to me its starting to look like an inside job with their Chime organization, they stole all my money out my account I want my money returned asap guys please help! I already notified my bank to hold that transactions All together they have took {$3400.00} in total and Chime even told me to provide documentation including police reports and etc and I did and they said again today for the second time that no error occurred based on my dispute and I havent even been out the house or been to XXXX New Jersey, which the fraudulent transactions came from I reside in XXXX Michigan and not New Jersey the charges are back to back unauthorized transactions which is obviously fraud I never even been there and whoever hacked my account and stolen my money isnt cool based on hackers and I looked on the internet its a lot of people experiencing fraudulent unauthorized transactions within their chime bank accounts which is currently looking like an inside job within their institution I saw random people on XXXX talking about this and the same error messages that chime had sent to them. They also said that chime eventually paid them their money when they went over someone higher over them. I just want my stolen funds back to I can pay rent and eat again. This is very frustrating to me that this have happened. I am providing the email they they sent me in the parentheses ( This letter is to inform you that we have made a final determination regarding the claim referenced above. 
Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 
You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. 
Sincerely, Chime Disputes Team )