davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

I received an online ad to sign up for a Chime online banking account and receive a {$200.00} bonus. The stipulations were I needed to start a direct deposit of over {$200.00} within 45 days. 
I met there requirements in well under 45 days. 
I have contacted them about were my money is. 
Everyone has amnesia about the program. They keep talking about referring new customers. This has nothing to do with that. 
The {$200.00} is for becoming a new member.
Consumer complaint received 2020-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc. (MA)

How are you doing? How are you doing during this pandemic COvid19? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-11-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I have initiated an international money transfer through MoneyGram 's service - detailed as below : Authorization # : XXXX Reference Number # : XXXX ( Used by XXXX for tracking ) Date Initiated : XX/XX/2020 Date Promised ( Destination ) : XX/XX/2020 ( XXXX be available sooner ) Transfer Amount : XXXX USD Exchange Rate : 1 USD = XXXX INR Receive Amount : XXXX INR As of today, the amount is not received in the destination bank account. Moreover, there have been several ( 10 approx. ) calls made to the customer care department of MoneyGram, who failed to provide us with ANY resolution. Instead, we have been constantly held off by them making " 4 business days resolution '' claims which in reality, was never provided. 
MoneyGram also claims that they are awaiting a response from the destination bank which in reality might not be the case because - I have been in constant touch with the destination bank that claims that there has neither been any pending transaction request nor any communication attempt from MoneyGram as claimed. 
This is the XXXX day of zero progress on the part of MoneyGram.
Consumer complaint received 2022-08-07
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. (IN)

In accordance with the Fair Credit Reporting act 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 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (MA)

On XX/XX/XXXX I got a alert on my XXXX XXXX  account stating that I lost points due to a hard inquiry by a company I never heard of called ligthstream. I have sent an email to their customer service explaining that I did not authorize any hard inquiries and that I never even heard of this company.
Consumer complaint received 2023-01-11
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2020-12-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MN)

Citibank $ XXXX $ XXXX {$700.00} Checking Account Bonus XXXX {$700.00} bonus details : Open new eligible checking and savings accounts in the Citi Priority Account Package during the offer period XX/XX/XXXX to XX/XX/XXXX. 
Within 30 days of opening your account, deposit {$50000.00} in New-to-Citibank funds between the new checking and savings accounts. 
Maintain a minimum balance of {$50000.00} between the checking and savings accounts for 60 consecutive calendar days. 
You will receive your cash bonus within 90 days after you complete the required activities. 
A monthly service fee of {$30.00} applies to the checking account in the Citi Priority Account Package if a combined average monthly balance of {$50000.00} or more is not maintained. There is no monthly service fee for a checking account in the Citigold Account Package.

I opened both the checking and savings accounts on XX/XX/XXXX, completed the {$50000.00} deposit requirement on XX/XX/XXXX, maintained the {$50000.00} balance until XX/XX/XXXX. 
I contacted Citibank customer service department a number of times XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to name a few XXXX and every single time I was advised to wait until XX/XX/XXXX to receive the {$700.00} bonus. 

Please review and escalate as needed to reach a resolution.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

Santander consumer USA has been an issue since Ive gotten their service. I complained to them in writing three times & then twice to the credit bureaus. 

They are saying that i made a late payment in XXXX. I disputed this late payment, they then moved it to XXXX on XXXX and XXXX but on XXXX reported it indeed XXXX. Making it look like two late payments. 

They also have the wrong number of debt owed. They are reporting my balance {$800.00} more then i owe & i make my payments on time every month.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have submitted multiple complaints and have even gotten the dealership involved at this point. I have read multiple complaints via the XXXX  and I know I'm not the only person XXXX  has taken advantage of recently. One credit agency has seen through XXXX faulty claims and has corrected my cr

edit file. The other two need to as well or I have no problem getting my lawyer involved. I have previously included multiple documents. I am including what is new at this point. I ended my lease early because the dealership wanted my car back. The dealership agreed to pay the amount left on the lease. They didnt do so in a timely manner. Payment was due in XX/XX/2020, the dealership didn't pay it until XX/XX/2020. They DID pay it after numerous attempts on my part. My credit should not have taken such a terrible hit due to their late payment. XXXX has been sent a letter from the dealership themselves stating that this was in NO way, shape or form my responsibility or my fault. I no longer had the car and had signed over everything to the dealership in XXXX. I am including a document that states the dealership was supposed to pay in full what was owed as well as a letter from the dealership stating that it was entirely their fault. 
XXXX also falsely claimed they weren't sending late payments to credit agencies during this Covid 19 pandemic. So even if this were my fault, they have fully taken advantage of covid 19 to hurt a lot of peoples  credit. It is a terrible business decision on their part and one that will result in numerous lawsuits.
Consumer complaint received 2020-11-30
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: JPMORGAN CHASE & CO. (SC)

On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, XXXX  XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, JPMCB - AUTO FINANCE add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Experian is selling my private information to third party companies which a violation of my rights under they privacy act. I did confront the company officials on XX/XX/ over the phone. this is a fraudulent act. Honestly who know how many people out there have my private information as such SSN, birthdate, phone number, address, finger printe and more, anyone could pretending to be right now in order to type and steal funds from my ESTATE.I am requesting a full investigation from the FBI, FINCEN, the department of justice and the SSA on Experian, I am tired of those entities abusing me. I demand justice.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (FL)

Can not reach this reporting agency to conduct a proper investigation of derogatories put on my report fraudulently! 

Yesterday I was notified by one of my credit monitoring services that a third party had placed on my report fraudulently derogatories! 

This company violated my rights under the Fair Debt Collection Practices Act ( FDCPA- Prohibits collectors from reporting false or embellished information on a consumers credit report ) and Fair Credit Reporting act FCRA ... the did not contact me in reference to the purchase of a bogus debt... 


Then used The account that they referred to as the third party ( XXXX ) which was removed earlier this year when they failed to provided the proof of debt required under protest. 


Said debt was charged off the punched by XXXX XXXX XXXX... with out contacting me and providing said proof of debt... with original signatures as required... if so Please have them provide proof ( mail tracking numbers or registered mail receipts ) .. becuase I have no record of receiving any notice! 

Infact had they reviewed my reports they would have seen that I have a current credit card account with XXXX! 


I tried several times to place a dispute on line with negative results! Please remove said derogatories from my credit report with all three buearus immediately!
Consumer complaint received 2022-11-18
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. (MO)

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason I request that all of the attached inaccurate information listed in my credit file be corrected immediately. 

XXXX XXXX XXXX Balance Owed : {$700.00} - The listing has a number of mistakes that are detrimental to me, including the balance, payment status, and last payment date. In my opinion, I was on time on the days you're mentioning. I never miss a payment because I always pay on time. Update for legal correctness, please. 

XXXX XXXX XXXX XXXX Balance Owed : {$22.00} - You are reporting DELETED data from other bureaus or accounts. FCRA mandates that reporting be XXXX percent correct or that the account be IMMEDIATELY REMOVED. 

XXXX XXXX Balance Owed : {$0.00} - This account should not be showing the current status of 30 days late since they have already been paid for. The current status of this account should not be showing derogatory information that is unnecessary and damaging to my credit report, which is a violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect consumers from " unfair credit billing and credit card practices. '' It would appear impossible for late fees to be accumulated on a paid-in-full account. Please look into these absurd statuses and let me know when there was activity on the account last. 

XXXX XXXX Balance Owed : {$0.00} - I think the information provided in this account is false. When it comes to the dates this account portrays, I don't think I was late. I always make my payments on time and have never been late because I keep track of them. Please check the account 's name, latest activity date, and balance. This information appears to be inaccurate. Please conduct an investigation and update this account to reflect legal accuracy. 

XXXX XXXX XXXX Balance Owed : {$0.00} - The following account should be on my credit report, so please provide proof that this is the case and that my rights have not been suspended. If not, kindly remove this damaging data right away. 

XXXX XXXX Balance Owed : {$1400.00} - By updating the information provided, evaluate this reporting. Why is there a {$1400.00} balance showing if it is a charge off account when a charge off account should have a balance of {$0.00}? Please put a quick end to this false reporting.
Consumer complaint received 2020-07-17
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (FL)

this is the 3rd time you've tried to collect something that is over 7 years old and you're falsifying the information you're putting on my credit report. This was disputed and removed before and no notification was received of this debt. I'm tired of going thru this and won't the item permanently deleted or I will file a lawsuit ALSO no notification of this debt being placed back on my report and per the law, you are required to notify me .. Then you report it as a fresh debt opened on XX/XX/2020 and THAT IS FALSE. THE DEBT IS NO LONGER VALID PER STATUE OF LIMITATION PLEASE DELETE
Consumer complaint received 2023-01-11
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. (NJ)

IN accordance with the fair credit reporting act.. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681 Account Name XXXX XXXX XXXX Account number # XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account number # XXXX. Has violated my rights 15 U.S.C 1681 section 602 A. stat 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 instruction.

15 U.S.C 1681 C. ( A ) ( 5 ) section state : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-29
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: FIRST HORIZON BANK (NV)

To date I have been unable to obtain the funds from First Tennessee Bank, who acquired or merged or by other means obtained all the assets and or liabilities from XXXX XXXX aka XXXX XXXX XXXX XXXX who issued the check. 

During the past 9 years I have visited the First Tennessee Bank and was informed that there are no records of this account. My Aunt and I shared an account together at this bank. Savings Account number XXXX. Opened XX/XX/XXXX. 

On Wednesday XX/XX/XXXX I met with Mr. XXXX at XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. A professional law firm located in XXXX, Tenn. Mr. XXXX accepted the cashier 's check and sent it to First Tennessee Bank who in turn told him there was no record of the account. 

I need this Cashier 's Check traced to determine if the First Tennessee Bank has this check in their archives and to return the funds to me.
Consumer complaint received 2019-05-29
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. (NJ)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Consumer complaint received 2020-07-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (AR)

I previously filed bankruptcy, and reaffirmed my mortgage loan through U.S. Bank and kept the mortgage. Now, the bankruptcy case is closed but U.S. Bank is refusing to ever report the loan again, despite a representative from U.S. Bank signing the reaffirmation agreement to keep the loan, which officially REMOVED the account from bankruptcy and the bankruptcy case being closed.
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (TX)

I made a purchase from a website that was fraudulent I tried to contact them with no results they claim they shipped and I receive the packages but I did not I have two tracking numbers proving that it says from XXXX that the labels were unrecognizable not readable and that the packages had to be relabeled I have no idea what they were re-labeled with where they were delivered or who receive them but I did not I opened a dispute with my credit card company and they rebuild my account without getting any proof for me my side of the story or anything
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My EDD BofA card was one of the ones that happened to be frozen. I noticed on the XXXX of XXXX my account stated I was in the negatives. My account is STILL negative and is continue to take away my benefits when I certify due to the account so called being negative.
Consumer complaint received 2020-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I used your services and did not get from Capital One what I asked for only excuses. Now I want the following : or I want a removal of this account taken off my credit report. Not their excuses, cause they say they know my address and my dob and my email. Thats not facts with my signature. I want the following : Original Contract with my signature Pay off disclosure Interest Rate disclosure Balance history Payment history XXXX XXXX
Consumer complaint received 2020-10-25
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)

Since being a Victim of XXXX  XXXX security breach my credit report had been a fraud nightmare. I have sent countless FTC reports explaining my situation with Experian and they refuse to remove the fraudulent trade lines off my credit report. 

How many other people that were victims of identification theft are they doing that to. This has been going on since XXXX and its effecting my lively hood.