davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
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 (CT)

On XX/XX/XXXX at approximately XXXX XXXX  ET, I received a transaction notification on my phone from Chime regarding a transaction for {$1300.00} from XXXX XXXX of XXXX, TX. I did not authorize this transaction, so I immediately opened the Chime banking app and XXXX transactions on my Chime card while I attempted to contact customer service. 

At XXXX XXXX  ET, I received a " transaction declined '' alert for a second transaction, for the same amount, from Chime. 

I immediately contacted Chime customer service via phone, where I spoke to XXXX, to whom I explained that the transactions were fraudulent and that I wished to file a dispute. XXXX directed my call to their Disputes team, where I spoke to a male with an odd manner of speaking, whose name I didn't catch. He explained that, because the transaction was pending, that I would be unable to dispute the charge until the transaction either dropped off my account, or settled. He started the process of issuing me a new debit card, and instructed me to watch my account for the next few days, and file a dispute if/when the transaction settled. 

On Saturday, XX/XX/XXXX, I saw that the transaction had been settled, so I proceeded with filing a dispute. On Sunday, XX/XX/XXXX, I received an email from Chime, informing me that my dispute had been closed and they determined that no error had occurred, and my account would not be credited for the amount in question ( {$1300.00} ). 

I contacted Chime customer service once again on XX/XX/XXXX, explaining that yes, in fact, an error HAS occurred, because not only have I never done business with XXXX, I also do not live in TX, my card has not left my possession, and I live thousands of miles from TX ( in CT ), so I clearly have not authorized this transaction and that I expect them to do a proper investigation and return the stolen money to my account immediately. Chime customer service responded that my message would be forwarded to their Disputes team, however, my dispute is still showing as closed on the Chime app, and I am still out {$1300.00}. 

I have also begun the process of removing my money from Chime, as I no longer feel that I can trust them with my money because they've allowed someone to commit fraud and steal my money right out of my account.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TransUnion continually updates the address on my credit report to an address that I have not used in many years. TransUnion has just again updated the address on my credit report to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX It has been at least 4 or 5 years since I have lived at that address and as far as I know none of my current creditors even have that address listed. Still, TransUnion updates my credit report to reflect that wrong address as my current address. I have called TransUnion and asked them precisely which creditor or entity is providing that address to TransUnion so that I may contact them, yet TransUnion refuses to provide me that data.

This is causing serious problems since when I apply for credit and give the potential creditor my actual address, they see the wrong address on TransUnion and do not believe me.
Consumer complaint received 2019-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc (FL)

Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (CA)

Starting back in XXXX of last year I started noticing that there were transactions with my card that I did not do so I proceeded to check my wallet and that's when I noticed that it was an old card in my wallet and not my current one someone had changed out cards. When I tried to log into my online account again I was not able to someone had gotten into my account and changed my password and security questions. Since then it has been an ongoing thing from month to month that someone has taken funds out of my account without my approval. i have tried replacing my card several times being charged to expedite it every time to no avail. When I contacted XXXX XXXX about it to report the identity theft they said they would investigate it but always dropped the investigation on grounds that they said it was conflicting issues. They did reimburse me a few times where in return those funds were taken out of my account via IVR Transfers.
Consumer complaint received 2019-05-31
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. (GA)

I went to my bank and the lady there talked me into applying for a loan to get a new car. I thought maybe this is a sign that I need to just go ahead and get a new car especially after having car trouble. They called me back and told me I was not approved. I went a pulled my credit and there are some items that are not mine. I filed a report with the FTC and the police. Im doing this on my own behalf. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2016-05-07
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: CHECK INTO CASH INC. (AZ)

I got a car loan for my XXXX toyota tundra, i had paid off the entire loan on XXXX XXXX, XXXX. I went to the MVD to get my title back into my name to learn that the company 'Check into cash ' had not given me my title back and still had a hold. I 've contacted them numerous times through visiting them in person and calling. I 've been unsuccessful in getting my title back.
Consumer complaint received 2022-09-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumerXXXX XXXX XXXX XXXX XXXX XXXX BK OF AMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-21
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. (VA)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting approved, trying to get cards. The account listed below is not mine. I sent in multiple letters and haven't received any response. I don't understand why is this taking so long. Please help List of the account that doesnt belong to me ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/21 - Disputed incoming collections account with transunions. Existing 5 year old debt was bought from previous debtor and reported as new. 

XX/XX/21 - Transunion verifies the incoming collection account as accurate. My attepts to contact them are unsuccessful. I am transferred several times before the line hangs up on me.
Consumer complaint received 2021-04-24
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. (NM)

XXXX XXXX as well as Experian continue to report a discharged account as an active collection account after a Chapter XXXX bankruptcy. The account has a XXXX balance due to discharge, and per bankruptcy law it is illegal to attempt to collect on any balance discharged in a bankruptcy. And therefore, if they are reporting it as an active collection account- this is illegal and they are in violation of bankruptcy law which is a civil offense. Attorney consult and possible litigation against both companies pending.
Consumer complaint received 2019-06-01
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: EQUIFAX, INC. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX
Consumer complaint received 2022-09-13
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth 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 an alleged fraud or extortionXXXX 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 XXXXXXXX
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX has consistently been incorrectly reporting to Experian credit bureau that I have a {$1000.00} credit limit for my Rewards Visa. This is incorrect. I have a {$2000.00} credit limit for my Rewards Visa and this incorrect reporting by XXXX has unfairly negatively impacted my credit utilization on my credit report and has significantly decreased my credit score. At times, this incorrect credit reporting by XXXX has caused it to appear that I was over the limit, which I was not and this has significantly decreased my credit score. By reporting that my credit limit is {$1000.00} when it is actually {$2000.00} credit limit, when my card reaches a balance of {$1200.00}, it is incorrectly reported on my credit report that I am over the limit which significantly decreases my credit score. I am unfairly suffering due to this incorrect credit reporting by XXXX. I have attached credit reports showing this on my Experian credit report and there is an incorrect balance showing on the attached XXXX reports. I have also attached proof that I have a {$2000.00} credit limit on my Rewards Visa. 

Also an inactive credit card account is consistently showing on my credit report as 'No Status '. this card account should report as Closed. 

I have filed disputes with the credit bureaus and attempted to resolve with GeorgiasOWN to no avail. I ask these issues are promptly and seriously addressed for this violate Fair Credit Reporting Act.
Consumer complaint received 2022-09-13
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. (GA)

This is the several times I've complained about being a victim of identity theft. The Credit Bureaus must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

My ex-wife and I entered into a mortgage in XXXX, with XXXX XXXX XXXX to secure a loan on our former matrimonial domicile. We divorced in XXXX or XXXX, and entered into a divorce judgement through which my ex-wife received 100 % ownership in our former matrimonial domicile. It was my understanding and my instructions to my attorney and, I believe, the instructions of the Court that I be removed from the mortgage. 
In XXXX, XXXX my fianc and I applied for a mortgage with XXXX XXXX on a home we purchased. As part of that application, XXXX XXXX researched our credit, and the aforementioned mortgage appeared on my credit report. I was surprised because I have not heard from nor had any dealings with XXXX XXXX since the time of my divorce in XXXX or XXXX. 
I contacted XXXX XXXX on XX/XX/XXXX, and they told me that I was not on the account and, therefore, not authorized to receive information about the account. They suggested I address the issue with XXXX XXXX who, in turn, referred me back to XXXX. I called XXXX back, and they again told me that I was not on the account and not authorized to receive information about the mortgage. Despite this, they did tell me that I was not a debtor on the mortgage and that I was not a debtor on any mortgage with their company. They suggested that I file a dispute with XXXX which I did. A copy of my letter to XXXX XXXX XXXX dated XX/XX/XXXX, is attached hereto. 
Any help you might provide in removing XXXX XXXX from my credit report is greatly appreciated. 
Thank you
Consumer complaint received 2019-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX
Consumer complaint received 2020-07-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have 5 hard inquiries that I have no knowledge of : Bank of America XX/XX/19 XXXX/XXXX  XX/XX/19 XXXX/XXXX  XX/XX/19 XXXX XXXX XXXX  XX/XX/19 XXXX XXXX  XX/XX/19
Consumer complaint received 2019-06-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (OH)

I was notified by the credit bureaus that a collection through I. C Systems had been added to my credit report. So upon investigation I saw that the original creditor was XXXX XXXX. I have never had a XXXX XXXX bill in my name where I authorized it, and I was never alerted of anything going into collection. There is no way that I could have even attempted to pay this debt before it hit my credit because I was not notified of the debt and did not know it existed because I never signed up for gas.
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

I am currently in the process of trying to get a loan and I am getting denied. My account with federal student loans is showing I have missed over 120 days of payments from the months of XXXX. At the time I had so much going on and did not pay close attention that even though I was a recent graduate that I had loans to repay. 


I am asking that you guys see that Ive always been in deferment. I am not finically stable to start paying right now. These loans have been so long ago and Im asking for forgiveness to remove some of these charges on my credit report.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (NM)

NCB Management as well as XXXX continue to report a discharged account as an active collection account after a Chapter XXXX bankruptcy. The account has a XXXX balance due to discharge, and per bankruptcy law it is illegal to attempt to collect on any balance discharged in a bankruptcy. And therefore, if they are reporting it as an active collection account- this is illegal and they are in violation of bankruptcy law which is a civil offense. Attorney consult and possible litigation against both companies pending.
Consumer complaint received 2019-05-31
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. (GA)

I went to my bank and the lady there talked me into applying for a loan to get a new car. I thought maybe this is a sign that I need to just go ahead and get a new car especially after having car trouble. They called me back and told me I was not approved. I went a pulled my credit and there are some items that are not mine. I filed a report with the FTC and the police. Im doing this on my own behalf. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX