davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX Ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX  and XXXX XXXX associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (FL)

Subject : Complaint Against Chime for Unresolved Unauthorized Transaction Dispute Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chime regarding an unresolved dispute for an unauthorized transaction.

I noticed an unauthorized transaction of {$510.00} on my Chime account. Acting promptly, I filed a dispute with Chime, providing all the necessary details and documentation to support my claim. The dispute deadline was set for XX/XX/XXXX. 

Regrettably, as of today 's date, XX/XX/XXXX, my dispute remains unresolved, and Chime has not provided any updates or resolution regarding this matter. I have diligently contacted Chime through their customer support channels, including phone and email, seeking assistance in resolving the unauthorized transaction. Unfortunately, I have not received satisfactory responses, and the funds in question have not been credited back to my account as well as they have improperly closed my account. 

This prolonged delay in resolving the dispute is causing financial distress and frustration on my part. I believe that Chime 's failure to address and rectify this matter in a timely manner is in violation of consumer protection regulations. 

I kindly request the Consumer Financial Protection Bureau to investigate this issue and take appropriate action against Chime for their failure to resolve the unauthorized transaction dispute within the stipulated timeframe as well as erroneously closing my account. Additionally, I seek your assistance in ensuring that Chime promptly refunds the disputed amount and provides a clear and transparent explanation for the delay. 

I'm willing to provide copies of relevant documentation, including my dispute filing, communications with Chime, and any other supporting evidence. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act promptly to address and resolve this complaint.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

The name of the bank is suppose to be XXXX XXXX XXXX XXXX instead on my XXXX credit report it lists at manufactures and trades. There is no contact information for this creditor on my XXXX credit report.
Consumer complaint received 2021-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/XXXX I received a text message from my brother, I'm copying and pasting it here. Someone called me to see if you were available to sign some legal documents. They said they were a courier and couldn't tell me more than that. Their telephone number is XXXX. Case number XXXX. I called and was told that they were XXXX a debt collection agency. He told me that they were going to garnish my wages if I didn't pay {$3000.00} for an old HSBC credit card from XXXX. I didn't trust the man on the phone so I started asking questions and he got angry started yelling my ss # and old address and said that he'll tell them that I want to go to court and then hung up. Ive read online and was told by XXXX XXXX XXXX XXXX that it's a scam. HSBC should be liable, sued and fined for allowing scammers to get access to people 's social security number. It's a breach of security and trust.
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (ME)

I have a personal checking account with Chase bank. I have been in the XXXX for over 3 weeks and have been using my debit card without issues until I tried to make a {$1000.00} purchase. I did this while on the phone with a Chase representative who assured me that I have a {$5000.00} a day withdrawal limit. The transaction was declined multiple times. Following this I got an email about fraud on my account. After spending over 2 hours cumulatively on the phone and having my issue escalated I was told the only recourse is to show up to a physical branch with a photo ID ( not possible in a foreign country ) or call a banker whom I have a relationship with ( havent been in a branch in over a decade and do not have a dedicated banker as Im not a private banking client ) and have them vouch for me. I need access to my money but Chase refuses to independently of these two options verify my identity.
Consumer complaint received 2017-09-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Michael & Associates, PC (CA)

I received a mailed letter and then an email from XXXXXXXXXXXX stating that he was an attorney for a law firm called Michael & Associates : Michael & Associates , PC ATTORNEYS AT LAW XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca. XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX They claimed that my credit card, XXXX XXXX had retained their services to collect a debt but were authorized to negotiate a settlement amount. After a few email exchanges resulting in them threatening a law suit, I started to become suspicious. 

I contacted XXXX, and they indeed had retained an agency to help them collect my debt, but that agency was called XXXX XXXX XXXX XXXX XXXX Their address was the same building as Michael and Associates, but a different suite number. 

When I told XXXX at Michael and Associates that I believed that he was illegitimate, he did not respond. So I am bringing this to your attention now. I have attached a transcript of our email exchange. 

- XXXX XXXX *XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These agencies ( 1 ) XXXX acct # XXXX, ( 2 ) XXXX XXXX XXXX acct # XXXX, ( 3 ) XXXX  acct # XXXX, ( 4 ) XXXX XXXX XXXX XXXX acct # XXXX, ( 5 ) XXXX XXXX acct # XXXX, ( 6 ) Ok student loan author acct # XXXX, are in violatation of 15 USC 1692g . These agencies were to notify me of this in writing 5 days prior, I was not. As the original creditor only I can validate this debt. I do not validate these debts. Therefore, these accounts listed above must be deleted from my credit report. The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (IL)

I have been dealing with Lexington law for the longest and I was paying them for the services that they were not holding the part of the bargain. I start paying them XX/XX/2020. They never helped me at all..I have been suffering through covid and it's not fair for them to have took advantage over me
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint against Experian concerning its failure to address inaccuracies on my credit report despite my repeated attempts. On XX/XX/XXXX, I contacted Experian regarding the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Bankruptcy Reference Number : XXXX. I also disputed incorrect personal information on my credit report. While Experian responded on XX/XX/XXXX, stating that the XXXX XXXX and XXXX XXXX  accounts were " updated, '' the discrepancies persist upon reviewing my credit report. 

Upon contacting XXXX XXXX directly, they provided additional details about the account, confirming that they are supplying Experian with the correct account information. However, my credit report still shows discrepancies. For instance, the date of the last payment for this account, according to XXXX XXXX, is XX/XX/XXXX, but my Experian report does not display any data in the date of the last payment field or the two-year payment history. This is neither accurate nor complete information. Attached, please find a screenshot of my credit report and XXXX XXXX 's response dated XX/XX/XXXX. 

Similarly, I am encountering the same reporting issue with the XXXX XXXX account on my credit report. Despite XXXX XXXX confirming all payments made for the account in their response dated XX/XX/XXXX, my Experian report lacks a date of the last payment and any data in the two-year payment history. Given that this account was opened on XX/XX/XXXX, the absence of payment history data is inaccurate and incomplete. Attached is a screenshot of my credit report and XXXX XXXX 's response. 

Concerning the chapter XXXX bankruptcy with reference number XXXX, Experian 's investigation results on XX/XX/XXXX, stated that " The company that reported the information has certified to Experian that the information is accurate. '' However, my inquiry with XXXX, Experian 's supposed source for public records, resulted in obtaining a Consumer Report dated XX/XX/XXXX, which did not include any public records. This certification by Experian is misleading and inaccurate. 

Enclosed, please find copies of my dispute letter, Experian 's investigation results, responses from XXXX XXXX  and XXXX XXXX a XXXX XXXX Report Table of Contents, and screenshots of my credit report.
Consumer complaint received 2017-04-18
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

During the month of  XXXX    XXXX  , I went into Fifth Third Bank to apply for a Unsecured Flexline load application ID #  XXXX . I was told that I had been denied of this loan and received a letter with alot of not true facts. For  one m y credit was  XXXX  which you only need a  XXXX , I have a car loan that has been paid off in full with a long length of credit. I dont have any credit balance on my credit repo rt. Fifth Third Bank turn ed my down but the next day  XXXX   XXXX  gave me a personal loan and a credit card,   XXXX   XXXX   XXXX   gave me a credit card as well. These banks was looking at the same credit report. Because who ever the underwriter was on my application didnt do their job.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (PA)

I opened case # XXXX which you closed without resolution of the problem. Chase opened this credit card without following the 7 year fraud alert on each of the 3 credit reporting agencies. There are explicit instructions that I must be contacted at the phone number listed on the 3 credit reporting agencies. Chase never contacted me and opened the credit card in question ignoring the 7 year fraud alert instructions. I have repeatedly called Chase fraud department for an explanation and they have none. I want them held responsible for this irresponsible action which could have resulted in serious consequences to me had I not acted quickly to close the account. Chase did correct the fraudulent credit card with the credit reporting agencies but this is much more serious. Why would the case be closed when this serious issue was not addressed by CFPB? This activity by Chase should be made available to consumers. In the letter to me from Chase dated XX/XX/2017 the address card number ending in XXXX which was NEVER questioned in my original complaint. 
XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX I sent paperwork to the credit burueas and I have not received a response nor any follow-up. The tracking number shows it was delivered. So now you MUST DELETE ALL ACCOUNTS MENTIONED due to intentionally not processing my disputes. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA you have 30 days to respond to my disputes. We are well past 30 days!!!! So immediately remove them. I expect a response within 4 business days with copy of the deletions and removals. Thank you. My attorney is forwarded on this complaint
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

X/XX/2017, I paid XXXX to cover my cash advance balance with Capital One. I noticed I was still being charged 25.90 %, which is {$73.00} in cash advance interest. I called Capital One and asked why am I continued charged the cash advance interest when it shows that the cash advance balance was paid. I was told that until the total bill is paid completely, I will be charged the cash advance of {$73.00}, which is totally unfair. I request that the charges stop because it 's paid and I was declined the request.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma (FL)

I am very concern as I was checking my  credit score and  noticed there is a capital  one cr edit card with a limit of {$500.00} under my name. I have no credit card of any kind. This card is not mines but it is under my information. What do I do to correct this. Someone stoled my information and took out a credit card under my name but I have no idea who.
Consumer complaint received 2017-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a dispute to have XXXX XXXX XXXX to remove late remarks on my credit file through XXXX and XXXX took longer than 30 days to reply. By law, your company has to remove any late remarks after the time has expired. Your company has four days to update my XXXX XXXX XXXX Auto Loan as paid as agreed and to remove late payment remarks. If not, legal actions will be taken against your company for violating my rights.
Consumer complaint received 2022-09-09
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 second 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. 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. 
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 extortion.XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$190.00}
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$790.00} XXXXXXXXBalance : {$630.00} XXXX XXXX XXXX XXXXBalance XXXX {$630.00} XXXX XXXX XXXXBalance : {$780.00}
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Credit Reporting Agencies should not be able to charge an individual to freeze their credit. An individual 's credit should be frozen on default, including pre-screens, and only be unfrozen at the individual 's request.
Consumer complaint received 2021-09-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

US Dept of Education should not be on any of my credit reports. If an account is in collections how can it be 160 days late? By law they have the responsibility to delete this information since it is in accurate. This company has been violating FCRA on my behalf for years and I am at my last recourse before a lawsuit.
Consumer complaint received 2017-07-13
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. (NY)

I received a credit alert from XXXX that i had a credit alert. when i checked my alert my credit score had dropped aprox 100 points and my XXXX credit card was listed as closed by account creditor and was listed under negative accounts. On XX/XX/XXXX my score was XXXX and today it dropped to XXXX. This is what was taken from my alert page : The following changes were reported for your XXXX  account : Balance Amount Changed from {$550.00} to {$570.00} Comments on your account changed from Charge, Amount in H/C column is credit limit to Account closed by credit grantor, Charge, Amount in H/C column is credit limit, Closed I just spoke with the bank and I have an available credit on the card and this card is not closed. My other issue with how they reported my XXXX XXXX card was reported to negative account when it was closed by me. not the grantor.