davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-02
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. (TN)

On XX/XX/XXXX, I submitted a letter indicating that I did not have a foreclosure on XX/XX/XXXX to XX/XX/XXXX, and Transunion certified mail. Also, I requested a copy of the allege records for my review. Neither Credit Bureau has submitted those mortgage documents for my review to date which is my legal right under the law. Accordingly, I am demanding for the XX/XX/XXXX Home Mortgage entry to be deleted off my credit profile due to the Credit Bureaus non-compliance of the law of supplying me the mortgage documents showing a foreclosure.
Consumer complaint received 2021-09-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION (AL)

I have disputed with XXXX about a credit account that was removed from credit report. 
I have contacted the business that is placing the account on credit report every month. 
Navy Federal credit union has reported the account since XX/XX/XXXX and it was removed for some reason in XX/XX/XXXX by mistake.The creditor has recently reported the account 2 times since i reported the mistaken removal.I have contacted XXXX about the problem for them to tell me to keep disputing it with Navy Federal.
Consumer complaint received 2021-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (FL)

The bureaus put a collection on my credit report what is not mine they don't show me a signed contract with my signature and they refuse to take it off my XXXX and XXXX report, and now not only that they even put a higher dept on the same account like I said is not even mine
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

In XX/XX/2020 my wages were garnished due to an old capital one account. The credit bureaus ( all three ) are still reporting this debt incorrectly and they WILL NOT update it. I am extremely frustrated. My number is XXXX and my email is XXXX.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2021-03-26
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. (NM)

I have 16 accts that were included in my Chapter XXXX Bankruptcy discharged in XX/XX/2019 that continue to report neg information on my credit report and they are still affecting my ability to get new credit. Late payments & neg information is still visible to anyone that pulls my credit when I am applying for new credit. I know these items are not to report neg payments after they are included in a discharged Bankruptcy, but these accts still are! I have disputed these items several times & they still continue to report this neg information. The credit bureaus & the individual companies refuse to correct or remove these neg accts. Pls help me to get these items removed from my credit reports as I have had no luck disputing them myself. I know this is a violation of the Bankruptcy laws & these companies need to be called out on this kind of violation. I can provide proof of this affecting me in a neg way. I have enclosed a copy of all the neg reporting info showing up on my credit reports and a denial of credit letter.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-09-20
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. (MI)

On XX/XX/2021 my Equifax credit score plummeted by -XXXX  points! However there had been no changes to my Equifax credit file except for the XXXX  point drop to my Equifax credit score. 

On XX/XX/2021 my Equifax credit score dropped -XXXX  points. The only changes to my Equifax credit file actually shows a DECREASE of {$770.00} to one of two credit card accounts of which accounted for over 50 % + of all debts owed and brought my debt/income ratio from 100 % down to 54 %. If anything this should of had a positive impact on my credit score
Consumer complaint received 2017-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

I recently learned that my credit score dropped by 53 points due to my student loan having late payments. The problem with this is that I was on an income based repayment plan and had a {$0.00} payment due. No one has notified me that this expired or changed and now my credit report says my payment is behind 120-149 days. I do n't know who to contact to update my income information. I had a XXXX in XXXX 2017 and have been out of work since XXXX 2017 since before that I was working from home. Can someone reset my {$0.00} payment? Can I be contacted by mail since I have not gotten any other contact and so I can be sure to not miss it?
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

ooked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter asking them to send me documentation with signatures from all parties involved and I never received these documents. I have attempted to get said documents as well as have these companies remove these items. I have also filed complaints with the CFPB to have these accounts a few times. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate because these fraudulent accounts still appear on my report. 

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

And one more thing according to 15 USC 1681s-2 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. 

ut they did not do that as well either. 

and according to 15 USC 1681s-2 they are suppose to 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.
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (WA)

I filed a report on Experian against XXXX XXXX XXXX. TITLE 4 Chapter 16 OF THE RCW for Washington State, gives a statute of limitations on written contracts- six years before a debt becomes time barred. In filling my dispute, the agency took 30 days and reduced my score by XXXX points, this is in violation of my rights as a consumer and on fair reporting,
Consumer complaint received 2022-08-12
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. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

I wrote to the company in XXXX to dispute the debt from XXXX XXXX XXXX after the first dispute it has been passed on to another Collection Agency and have failed to send anything with my signature or an original signed contract.
Consumer complaint received 2020-11-04
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. (MS)

I am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

Months ago I addressed an account on my XXXX Credit Report that had a XXXX/XXXX XXXX account listed. This account in no way belongs to me. It is continuously hindering my ability to obtain credit and I need it removed immediately. The amount is {$400.00} and it says paid. I have attached XXXX and Equifax reports. Neither of the reports contain this XXXX account. Other than this negative remark on XXXX I have exceptional credit. I am highly disappointed that it has not been corrected and frankly feel violated. This issue needs to be rectified Immediately!
Consumer complaint received 2022-08-12
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)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX has violated my rights. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-20
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: BARCLAYS BANK DELAWARE (NJ)

This account is showing as a closed account with XXXX balance on the system. However, this account keeps being run through all three credit bureaus as an active account. As a result my credit score is Lowering not only for this but multiple collections on the same account but for different amounts. This account has aged out and shouldnt even be on my credit report. This is an extremely old account. This company is saying they just found me. Ive lived at the same location since 2010. This account is marked as a charge off and I shouldnt still be penalized for it as an active account. Im being severely hurt by multiple reporting for the same account
Consumer complaint received 2021-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (AZ)

On Friday the XXXX  of XXXX I returned home from work and was receiving a tremendous number of verification codes on my phone when I was not using it. I realized my accounts were being hacked. I called my bank immediately when they were open at XXXX. I found them not be be helpful with the situation. I made continuous calls requesting assistance to secure my account. On Sunday the XXXX of XXXX I was on the phone with a representative who was trying to help me transfer the XXXX that I had in my saving account when he asked me if I had an XXXX account and I stated no. He said the hackers were in my account and were changing my E-mail and password. I started yelling can't you stope them and he said no. They he stated they were moving money around. Again completely dumbfounded that the bank rep was watching this without doing anything I was begging for him to stop them. Since my password was change my bank Chime a subsidiary of XXXX would not allow me any access to my funds. Infract they allowed the hackers to move XXXX out of my account and transfer it to XXXX without my authorization. because the hackers knew the password that change my account to and I did not. I had to send copies of me standing with my ID, SS card, prof of address to them and they still did not protect me account or allow me to pull my money out. They left me with no funds, sent back my direct deposit after I told them I needed them to let me have that money I am a single mother. I finally gave up and closed my account allowing another direct deposit to go back. They said they would expedite my check so I would have funds to feed my son. However as of todays date XX/XX/2021 they have not even processed the check. My back did not support me or protect me when the XXXX was rejected by fidelity the entire XXXX did not come back there is still money missing They are telling me there is only XXXX in my account I do not know where the rest of my funds went and Chime is not helping me. After further research since XX/XX/2021 it has been reported that Chime has had over 900 complaints regarding very similar situations. Not allowing people access to their money and holding their money. I also found out that Chime is no longer allowed to say Chime Bank. Please help and direct me to someone who can help me find my money and get it back in a timely fashion. I really need my funds to be returned to me. Thank you for your time Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Summary of Accounts being challenged in list form XXXX : Account number : XXXX, please send me the source of these inaccurate accounts. 

XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, Please send me the source of these inaccurate accounts.
Consumer complaint received 2023-01-11
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)

XXXX XXXX XXXX XXXX is a result of a fraudulent account that was opened using my information without my knowledge it appears that there are two separate accounts for a line of credit and a credit card totaling the amount of {$5000.00}
Consumer complaint received 2021-04-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A. (TX)

I had a car loan open with PNC bank. Recently I have paid it off. As per NJ DMV its is guidelines " The Lienholders normally hold 's the Title until the Lien is paid off. They should have also mailed you the Vehicle 's Title when they sent you the Lien Satisfaction Paperwork. '' in which PNC has not done. 

After waiting a month for the title I called whereas they acknowledged they sent it to the wrong address. I politely asked multiple times if they would send me a new title. They said that " There responsibility with the loan was over and that they no longer had to serve me. '' I tried calling multiple other times in which my call wasn't even picked up. 

The contract terms was that they take care of all the execution and administration of the titling, hence why I paid administration fee 's. I was never late for my payments not once, provided them a plethora of interest payments, and paid off the car prior to its due date. I was under the expectation that they would send me and transfer the title when the loan was completed, to finalize the loans execution and transfer the property. The property has not be transferred therefore the loan is still outstanding. 

NJ is now penalizing me for not transferring over the title, in which they sent to the wrong place. I also have to pay administration fees for getting a replacement title. I have damages and I'm holding PNC personally liable for them. 

I would like you to review my case, and administer any necessary penalties and fines on PNC Bank for breaking the agreement, and fiduciary responsibilities.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX # XXXX is reporting lates to my account that I should not have. It has always been on auto draft and the debt was sold to XXXX XXXX at the beginning of 2018, however the new loan is also showing the same late. By law lenders are to give XXXX days for servicing transfer. I was never late and this should not have lates on it.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc (IL)

I truly dislike doing this, however the encounter I received on yesterday from multiple of Chime employees infuriated me to a point of searching and obtaining an attorney. I'm a small business owner who owns a cleaning company XXXX XXXX XXXX XXXX ) and I currently have a contract with XXXX and obtain future clients for cleaning services. XXXX setup direct payments with the Chime account to receive both instant and weekly deposits. Each deposit was a success until yesterday, XX/XX/2023 when XXXX texted me and informed me that Chime rejected a payment in the amount of {$110.00} ( weekly pay ). I contacted Chime the first representative deemed unprofessional and terminated the call. I called Chime again at XXXX and spoke with XXXX. After my encounter with the first representative, I demanded to speak with a supervisor. XXXX became antagonistic and denied my request until I read him consumer law of denial a customer to speak with a supervisor. After XXXX grueling minutes XXXX ( supervisor ) finally merged on the call. I was overwhelmed with emotions and educated XXXX that Chime rejected a payment of {$110.00}. I continuously read the text message more than 6 times. XXXX informed me that he witnessed numerous deposits from XXXX ( now showing as " XXXX XXXX XXXX  '' ) and he was unable to located the rejected payment. Attached are proof of multiple instant and weekly deposits to the Chime account debit card ending in XXXX with text message from XXXX of rejected payment of {$110.00}. On Attachment XXXX will display the rejected payment of {$110.00} and a note of rejection.