davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-27
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 (WA)

Early XX/XX/2020 Transactions ( from XXXX ) were charged through financial debit card ( Chime ) attached to XXXX account. I contacted the application developers where my statements displayed that the transactions took place. I let them know that permission was not given by myself for the transactions that were made and requested a resolve for the error. The developers teams assured me this would be taken care of as soon as i provided the transaction dates, time, amounts, and the transaction ID 's. I supplied this information immediately. The reply i received stated that charges would be adjusted in 24-48 hours and that I could expect to see the charges returned in 5-7 business days dependent upon financial institution. After 7 days i contacted chime customer support to be told nothing had been credited- I then went back to the developer and they said they needed me to supply the information again- I proceeded to supply information again in the format they requested- once again was told they would take care of it and they would escalate the matter due to it being clearly stated in previous communication that it was going to be taken care of. 7 days go by with nothing being adjusted again. Now being Late XXXX XXXX is claiming its outside of time frame even though i started this process within the time frame, i then proceeded to contact my Bank through chat support and filed a claim through them supplying the same information. Chime opened a claim made the provisional credits roughly 2 weeks later. Upon this happening XXXX deactavated my XXXX play account in response to this claim. XXXX claimed just as they had said prior that they would have adjusted transactions which was clearly another person not wanting to deal with an issue. Aside from this Everything went along smoothly until XXXX XXXX each transaction was recharged to my account when the EIP round 2 was direct deposited. Chime has not responded to my inquiries on the matter for over 30 days and account remains in a negative balance.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (MO)

I walked inside US Bank and spoke with the banking employee about opening a business checking account. I opened it with her and supplied the code for the {$300.00} bonus being offered. You had to make {$3000.00} in new deposits and keep the account open for 90 days to qualify. I deposited {$100.00} that day and ACHed the remaining {$2900.00} within the 30 days just as the employee instructed. I received an e-mail from US Bank saying I didn't qualify.??? Other people/businesses that I've been in contact with have received their bonuses with similar deposits.
Consumer complaint received 2020-04-27
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. (OK)

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX  XXXX XXXX {$550.00} XXXX  XXXX {$18000.00}
Consumer complaint received 2020-04-27
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 social security had been used already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report.
Consumer complaint received 2018-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance One, Inc. (WA)

During XXXX of XXXX alliance one incorrectly started to garnish my paychecks for the maximum amount witch created a terrible hardship for my family. I finally got them to realize they had the wrong person and the funds were subsuquently refunded. On XX/XX/XXXX the garnishment process started again and I received an email from adp stating that I was being garnished by Alliance one for {$510.00} and the remainder was {$1700.00} after multiple garnishments the last one came in XX/XX/XXXX stating that I owe a balance of XXXX. I followed up with alliance one a few months later around XX/XX/XXXX and they stated that they never received money and that they could not find a debt for me. After finally finding me I was told that XXXX would release the money to them in XXXX. I called alliance one again in XXXX of XXXX and they stated that they received the money but I still owe and additional {$2400.00} wich was never explained to me at any point in the past. the representative had a very hard time finding out where the garnished total of {$1700.00} went. I called back for clarification and a clearly irritated rep denied to give me any time or an opportunity to take notes on what was being said in regards to the balance. She stated that since i'm considering legal action she can not give me information on my account. I also never received a notice in the mail in regards to any balance owed. After the initial garnishment that did not belong to me, and after the representative not allowing me to get full clarification on this large debt! I am very concerned about the collections practices of alliance one.
Consumer complaint received 2018-06-14
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. (TX)

My current mortgage company " XXXX XXXX " reported me as being " serious delinquency '' during the months that the President Declared 6 months Forbearance for Texans who were affected by a Disaster - Hurricane Harvey. So no reporting should have been made from XX/XX/XXXX through XX/XX/XXXX. They reported me twice XX/XX/XXXX & XX/XX/XXXX. 

I have tried multiple times to review my account with them and have not received any help as they have seriously messed up my escrow account. It has taken over a year to try and get it straightened and still not corrected which is creating me being partially late on a payment. I was given personal managers names / emails / phone numbers with no reply by phone or email from them in trying to resolve my account. 

I am trying to sell / get approved for a new purchase but I am being denied due to the reporting. The new company I am working with suggested that I make this complaint.
Consumer complaint received 2018-02-21
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)

I originally filed bankruptcy in XXXX under chapter XXXX and discharged under chapter XXXX in XXXX. Bankruptcy law stipulates you can only file chapter XXXX in Wisconsin once every 8 years. Credit reporting is showing I filed and twice in the same year.
Consumer complaint received 2018-06-14
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 (NJ)

On XX/XX/XXXX two checks were submitted for payment and they were enough funds in XXXX XXXX XXXX business checking account to cover the payments for the checks. There was also a hold put on the account for payment the next business day of XX/XX/XXXX,  in which they were funds to cover the hold payment. Instead of Bank of America paying the two checks, they returned them and charged the account two returned items fees of {$35.00} each in addition to an overdraft fee of {$35.00}, that total {$100.00} in fees.
Consumer complaint received 2023-02-07
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-05
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. (FL)

I have sent several requests to the credit bureau, exercising my rights as a consumer to fair reporting. They have not complied with my requests nor have they completed a timely investigation. There have not been any correspondence with regard to my request for verification of what is reported on my credit file. There are several errors that have not been resolved, nor have I received communication within the 30 days.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX 2. XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 6. XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX 8. XXXX XXXX XXXX XXXX XXXX FL XXXX SOCIAL SECURITY NUMBER VARIATIONS : 1. XXXX
Consumer complaint received 2018-02-21
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BARCLAYS BANK DELAWARE (FL)

XX/XX/2017 XXXX XXXX points purchased XXXX XXXX XXXX XXXX XX/XX/2017 Purchase price {$4000.00} We were told the XXXX Sampler points would be applied to any new purchase because it is an investment and would be considered equity that would be credited toward the purchase of annual points. However, when we did purchase XXXX points, only XXXX of the XXXX were transferred over. We had not used any of those points we had paid for. 

The {$4000.00} we paid for the XXXX was not credited toward the purchase of XXXX points. The XXXX XXXX presentation lasted from XXXX XXXX till XXXX XXXX. We did not sign the contract until XXXX XXXX at night. We were rushed through the paperwork They would not give us our license back when we left for lunch. Even the manager would not give us back our license. My wife felt like she was going to pass out because she was XXXX, but they would not let us leave. Her XXXX XXXX was down. 

We purchased XXXX annual points at XXXX XXXX, XXXX XX/XX/2017 Purchase price {$15000.00} Amount financed {$12000.00} Sales agent XXXX XXXX XXXX, Director of Sales XXXX XXXX was the highest person there XXXX was QA They ran two Barclay cards for two joint applications. We only wanted one Barclaycard. We were told if we opened a Barclaycard we would never have to pay maintenance fees. We were also told points can be converted to dollars to pay maintenance fees because fees will go up 10 % every year and the inflation on the fees wont match our fixed income. We have learned you would have to charge {$100000.00} in a year to pay a {$1000.00} maintenance fee. 

We told them we dont have the money. They said if you cant pay this we will put it on a Barclaycard. Your points are now equal to a dollar value. We were told the new thing is that all your points are worth money so it doesnt matter if you cant afford it. The points will go up in value. 

We could not use our next stay at XXXX XXXX XXXX booked. We had to check out early. We were told once we were an owner, our room would be automatically upgraded, but the room was too small and was not upgraded. 

When we looked into selling points we learned there is no value. 

I am on XXXX, medically XXXX VA XXXX XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX  On food stamps
Consumer complaint received 2018-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Information Bureau, Inc. (FL)

XXXX XXXX XXXX is listed on my credit report and the company did not disclose proper information regarding amount owed and bill break down to explain debt. I never received anything in the mail informing me of debt prior to it being posted to my credit file. I do not acknowledge or accept the debt as listed and denounce any ownership of the debt. I believe this is a result of identity theft because my identity was stolen and inaccurate information exists on my credit report. Company failed to provide sufficient, factual information to prove this debt belongs to me.
Consumer complaint received 2018-06-14
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. (IL)

I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION LISTED BELOW, WHICH APPEARS ON MY CREDIT REORT, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITYTHEFT. A HAND WRITTEN LIST OF 9 ITEMS IS ATTACKTO THE LETTER.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692, EQUIFAX, has violated my rights.

Under the civil liability and the remedy available to me ( Section 616 & 617 ), EQUIFAX, failed to comply with Federal Law and because according to the FCRA consumer law which I should be compensated {$1000.00} per violation in accordance to FCRA as follows : * 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated.

* 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which was violated. I havent given these accounts written permission to furnish these accounts on my credit report as well!

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate which was violated.

Additionally, in EQUIFAX initial investigation which I stated to EQUIFAX, they did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore, EQUIFAX have failed to provide the method of verification as required under Section 611 ( a ( 7 ), which they were advised that under Section 611 5 ) ( A ) of the FCRA, they are required to promptly DELETE all information which can not be verified, if not, compensation will be {$1000.00} to me per violation in accordance to FCRA as the violations cited previously.

The laws are very clear as to the Civil liability and the remedy available to me for negligent noncompliance '' ( Section 617 ) which EQUIFAX has failed to comply which I am enforcing my rights under the FCRA.

These are ALL grounds for REMOVAL!
Consumer complaint received 2021-02-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

XXXX, TransUnion and XXXX have consistently abused their assumed power of being consumer reporting agencies. I have constantly reached out to all three bureaus and no action has been taken besides being ignored and making excuses of them needing authorization from me. How many times do I have to ask a company to do a job that they are supposed to do. I have been supplying all of the documentations to prove that I am asking you to do your job.This is attempt # 3.
Consumer complaint received 2022-04-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Penn Credit Corporation (PA)

I received the debt collection notice in XXXX but this matter has been going on since XXXX and could be years before that without my knowledge Company directed me to file a complaint with FTC per my personal information and identity being stolen, used to create two separate utility bills in my name in a different state. Amounts equal to {$800.00} company can not help until confirmation number is given by you and faxed to them to then create police report.
Consumer complaint received 2022-04-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

We paid off our mortgage and the mortgage company never sent any paperwork or anything to us or our city or the credit bureau.We paid it off XX/XX/2021. We paid with a cashiers check XXXX my complaint number is XXXX the company is Nation star- Mr Cooper
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX CARD. The dates were XXXX, XXXX, XXXX XXXX/XXXX XXXX, XXXX, XXXX/XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX my income was affected due to the COVID-19Pandemic shut down. I am in the middle of moving and this late mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations.
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (CA)

On XX/XX/XXXX I received an email from Checkr who performed a background check for XXXX. The information on the criminal background check is incorrect and I would like this to be resolved immediately. Checkr states I pled XXXX XXXX on a XXXX XXXX XXXX on XX/XX/XXXX. The court records clearly states the charge was Dismissed. Ive attached the consumer report along with the court records.
Consumer complaint received 2021-02-27
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. (PA)

To Whom It May Concern : On XX/XX/2020, I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 

If you have any questions or need additional information, please contact me at the address noted below. 
Thank you.
Consumer complaint received 2020-07-15
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)

On XX/XX/2020 I mailed a format letter to Experian requesting that they PROVIDE me with all relevant information validating debt on the XXXX/XXXX Account # XXXX being reported on my account. As of XX/XX/2020 I had not received the requested documentation validating the debt so I mailed another format letter out requesting this information. As of today XX/XX/2020, I submitted a dispute with CFPB regarding Experian and a case was opened. 
On XX/XX/2020 Experian responded to CFPB claiming I am not who I say I am therefore the case is closed. I demand that Experian delete this XXXX   account from my credit report immediately due to ILLEGAL STALL TACTICS!
Consumer complaint received 2022-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC (IA)

SCIL, INC., D/B/A SPEEDY CASH COMPLAINT FOR EQUITABLE RELIEF FOR VIOLATION OF SECTION 1 OF THE SHERMAN ACT, 15 U.S.C. 1 The aforesaid agreements unreasonably restrain trade and are illegal under Section 1 of the Sherman Act, 15 U.S.C. 1 Title 15 U.S. CODE 1 - Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court.
Consumer complaint received 2021-09-01
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: Porania, LLC (NJ)

I have these accounts that are not mine and i want them to be removed from my credit. 


1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

4. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

5. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.