davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Credit Services Inc. (LA)

As of recently I have been going through my credit report to build my business credit and I noticed several inaccuracies on my account. These accounts are hurting my ability to obtain business credit. It is to my knowledge that your company will investigate the item for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : 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 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

I made a mobile check deposit on XX/XX/XXXX in the amount of {$230.00} to my chime checking account as my direct deposit has not been set up. 

after 7 Days, Chime is telling me they need more time to deposit it even though the law states a max check hold of 7 days total. I was told the money will not be in my account till the XXXX so chime is holding this money hostage for 11 days total. 

Another deposit i made tonight in the amount of {$360.00} via the same deposit method also stated till the XXXX to get this new deposit. I spoke with a representative at chime the other day who told me it was just a random check and that there wouldnt be any issues like this again but immediately they have broken that promise.
Consumer complaint received 2021-10-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Experian is reporting XXXX account as Last Active on XX/XX/XXXX and Last Payment XX/XX/XXXX. How can the last payment date be after the last active date? I also noticed that Experian is reporting a 30 day late in XXXX of XXXX and then a 90 day late in XXXX of XXXX. I asked Experian to advise how it is possible to go from 30 day late to a 90 day late? Experian is required to report only accurate information! Experian stated they sent updated credit report on XX/XX/XXXX, however I have not received any documentation from Experian how this information was verified. And since it is in possible to go from 30 day late to 90 day late, means Experian is reporting in accurate information. Experian is still reporting inaccurate information.
Consumer complaint received 2021-09-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (IL)

I XXXX XXXX have been on a medical leave since XXXX I not able to work and waiting on SSID for help. I have been receiving false information from a DEBIT COLLECTOR SINCE XXXX. FOR A CREDIT CARD I DON'T EVEN HAVE THE COMPANY IS CALLED NCB MANAGEMENT SERVICES XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX I was the victim of fraud in my Citibank checking account. Multiple ( 5 ) wire transfers were attempted ( not sure if they were completed XXXX to unknown parties. Citibank advised that the 10 or so VALID " pending '' debits ( including my mortgage payment ) would be declined since they had to put a TEMPORARY block on my account due to the fraud. I was advised I needed to open a new Citibank checking account and then call back to have the TEMPORARY block momentarily removed so that my actual funds ( {$2700.00} ) could be transferred to my new account so I could access them. When calling Citibank back after opening the new account, I was told that due to a representative error ( she " chose the wrong option '' ) my account was now PERMANENTLY blocked. I was told in order to access my funds I would now either need to travel to a Citibank branch ( I am XXXX and located in NJ - the nearest Citi branch is in New York State ) or wait 60 days for access to my money! I was also locked out of my online account access so I have no way to see what 10 pending debits Citi planned to bounce on me ( so that I could notify payees! ) THIS IS UNACCEPTABLE. I was the victim both of fraud and of Citibank 's ineptitude and negligence and I NEED ACCESS TO MY MONEY. PLEASE!!!!!!!
Consumer complaint received 2023-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have been with capital one for years. I have a interest rate. Capital one have not recently sent me any notification about my interest rate increasing. Since the fed has been increasing interest rates. Capital one has been passing higher interest on their customers outside the interest rate that has been assigned.
Consumer complaint received 2022-04-29
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: OneMain Finance Corporation (FL)

I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX XXXX and/or XXXX ) credit report XXXX My latest credit report shows Onemain Financial credit inquiry/inquiries that I did not authorize.
Consumer complaint received 2022-04-29
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. (TX)

I see that these accounts are adversely affecting my credit report and costing me thousands of dollars in investment every year. I sent a letter to contact these inaccuracies on XXXX This is not a regular dispute at all. I have filed a complaint with ftc and the better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed now. I will not wait another 50 plus days to receive no response. I see that most of these companies are ignoring me. Section 611 simply states failure to investigate these items within 30 days gives reason to immediately remove disputed items from my credit report. It has been over 50 days so please remove it.
Consumer complaint received 2021-05-04
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: EQUIFAX, INC. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the XXXX. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX  XXXX XXXX Opened Balance XX/XX/XXXX {$4100.00} XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$2300.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$390.00}
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Data Systems (NC)

I am filing this complaint because XXXX XXXX XXXX  ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2021-10-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I have a question for Mr. Cooper Mortgage servicer. 

Can you wait for " California Mortgage Relief Program '' to go live before you start collecting any mortgage payments from me? 

I am waiting for this Program to go live, and it is really important. 

I have tried contacting everyone regarding this program from US treasure to XXXX. 

They have no idea when it will go live but I am expecting it go live within next 2 -3 months, so let me take advantage of it and lets wait for another 2-3 months before you start collecting payments from me ( Please see attached file for the CA Mortgage relief website ).
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (TX)

Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine XXXX XXXX XXXX account number XXXX have no idea where this account come from please delete this account immediately. I all so have some inquiries on my credit report that was unauthorized my me XXXX XXXX XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts on my credit report
Consumer complaint received 2022-04-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FB FINANCIAL CORPORATION (AL)

I tried to set up a plan to pay my owed mortgage payments after forebearance. It was to end XXXX XXXX. I contacted my Servicer on XXXX XXXX informed them I could pay. They said I could enroll in a slim line program. Later they said the investors said I did not qualify.After several conversations and talking with different agents, I was informed I would be placed in loss mitigation, I have sent requested information and each time. Something is missing.Six months later I began to have requests for payments of XXXX. I initially sent XXXX. This covered six months of forebearance. The remainder in lump sum was requested each time I called 2-3xs weekly.ZI had to borrow and paid XXXXest on XX/XX/2022. The money is in suspension and still has not been applied as should. My next payment is due XX/XX/2022. I still dont know exactly what my balance is. Also I am tax exempt but escrow cant find supporting documents they sufficed prior to forebearance.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX - XXXX XXXX Balance - XXXX  XXXX XXXX  XXXX : - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXXy : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX CO XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy : Bankruptcy Date Filed XXXX XXXX, XXXX Reference Number XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX AV XXXX XXXX XXXX CA XXXX XXXX
Consumer complaint received 2021-08-17
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: LEXISNEXIS (MS)

Lexis Nexis is reporting an inaccurate bankruptcy on my credit report. I have reached out to the courthouse where the alleged bankruptcy was filed and they have assured me that they do not furnish this information.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (GA)

I received a retirement check due to hardship from my employer and I deposited it with my bank. Once I started paying off bills which were expensive the bank flagged my card so I went in to the bank and explained what was goin on at which point they closed my account and told me they would send me a check for my remaining amount but the check hasnt came nor can I retrieve my money to pay bills I am about to be evicted homeless with all XXXX of my kids due to this matter. Truist is terrible
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Bread Financial Holdings, Inc. (PA)

I have been paying on this credit on time monthly and I get an email that they decreased my credit limit by a grand. Because of a credit score my credit score hasnt changed it in fact went up with XXXX. And only change I had was a purchase of a vehicle in XXXX which is my only other bill other than my mortgage. They changed my credit limit which up my credit card utilization and than in turn dropped my credit score and can not give me any firm answers I have spoke with them twice and even made a XXXX $ payment I am very upset.
Consumer complaint received 2022-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (CA)

While checking my credit reports on experian I noticed two medical collections that do not belong to me. I sent two debt validation letters for each account to the company and both letters were received on XX/XX/2021 and signed for by an XXXX. But since receiving the update from XXXX that both letters were delivered I haven't received any proof or even a response from the company.
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$66.00} MEXXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} Medical XXXX Balance : {$73.00}
Consumer complaint received 2021-11-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously 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 the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-05-04
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. (NY)

Although receiving a result to resolve the dispute based on a previous complaint, the credit reporting bureaus have not updated my credit report at all in a timely manner. The XXXX XXXX account for the amount of {$960.00} was a result of identity theft. Both police and FTC XXXX were filed accordingly over a month ago. Police reports XXXX and XXXX and FTC reports number XXXX.
Consumer complaint received 2020-11-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (CA)

I have already disputed the illegitimacy of this debt with credit bureaus successfully, twice. After the first successful dispute in XX/XX/XXXX, Credence Resource Management passed my account off to a company called XXXX XXXX in the summer of XXXX. After another successful dispute in XX/XX/XXXX, Credence Resource Management is back to contacting me trying to collect on an amount that I do not owe. My accounts with XXXX are settled and their billing after my cancelation included multiple duplicate charges that are fraudulent. All of this has been explained to Credence Resource Management, Receivables Performance, and credit bureaus ( XXXX, XXXX, XXXX  ). 

Credence Resource Management now says if I pay them the amount that I do not owe they will consider the account closed and not report it again ( for a third time after two successful disputes ... ). Credence Resource Management says if I do not pay them within 30 days ( as of XX/XX/XXXX ), then they will go back to reporting this illegitimate debt to credit agencies again despite two successful disputes.
Consumer complaint received 2020-06-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2021-05-04
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. (NY)

Although receiving a result to resolve the dispute based on a previous complaint, the credit reporting bureaus have not updated my credit report at all in a timely manner. The XXXX XXXX account for the amount of {$960.00} was a result of identity theft. Both police and FTC XXXX were filed accordingly over a month ago. Police reports XXXX and XXXX and FTC reports number XXXX.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  have VIOLATED my rights per 15 USC 1681b Permissible Purpose, I have not given written consent for this company to report on my consumer report nor did I give the consumer reporting agencies any written consent to place this on my report. Reporting this is considered identity Theft!
Consumer complaint received 2018-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

My credit card due date is on XX/XX/18. I made an online payment on XX/XX/18 paying off the balance on the account. On XX/XX/18, Chase charged an interest fee on a XXXX  balance account. When I asked to have the fees removed, they refused.