davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NY)

On XX/XX/XXXX I linked my XXXX XXXX XXXX account to my newly opened Chime account. On XX/XX/XXXX I transferred {$16000.00} into my Chime savings account. On XX/XX/XXXX I attempted to transfer {$10000.00} from my Chime checking account back into my previously linked external XXXX account. 

Upon further review, I noticed that the last four digits of the XXXX account did not match any of my XXXX account information. I immediately contacted Chime support and tried to cancel the transfer. Chime notified me that the transfer had settled and I must file a dispute. I filed a dispute with the claim ID XXXX on XX/XX/XXXX. 

First thing Monday morning I contacted Chime support for an update about my claim and was told a claim did not exist. I then filed another claim with the ID XXXX and was told a resolution would be found by XX/XX/XXXX. 

I received an email on XX/XX/XXXX at XXXX notifying me that Chime found no error, no funds would be credited to my account, and the claim is considered closed. 

It has been less than 12 hours since the second dispute has been filed. I do not believe that less than 12hours is an adequate amount of time for a proper investigation. Chime has estimated up to 10 days to provide documentation of the dispute decision. I have requested a copy of the dispute documentation but Chime has failed to provide it at the time this complaint is being filed. 

Chime connected an unknown external account to my account then did not file a proper claim. This gross negligence has resulted in a considerable financial personal loss.
Consumer complaint received 2022-01-18
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: Experian Information Solutions Inc. (NJ)

On Friday, XX/XX/XXXX, I submitted documentation to Experian in regards to a dispute I filed with them for an inaccurate public record they are reporting on my credit. Their response to me was they were not able to honor my request based on limited amount of information. This document is an updated copy of a report from XXXX XXXX showing that I have no public record on my report. XXXX XXXX is Experian 's furnisher of information such as public records. 

After disputing this item prior ( XX/XX/XXXX ) their " investigation '' reports state they verified the information as accurate from their data furnisher, XXXX XXXX. How did they verify this information with XXXX XXXX if the information isn't even on my report? I even called multiple times and not one of their customer service representatives could answer any of the questions I had. I even asked to speak with a manager/supervisor and was hung up on! 

This false reporting is killing my credit report and destroying my chances of buying a house for my family.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2021-06-22
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: EQUIFAX, INC. (GA)

I have repeatedly asked all 3 bureaus to remove these unauthorized inquiries, Equifax claims that they were not reporting but as I view my credit reports they are still reporting. There is 0 proof that I authorized any of these inquiries, the burden of proof lies on the bureaus, I demand that these bureaus remove these unauthorized inquires immediately! There are no accounts attached to any of the inquiries that are listed below ... 

XXXX XXXX XXXX XX/XX/2020 XXXX BANK XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XX/XX/2020 XXXX  CARD XX/XX/2020 XXXX BANK XX/XX/2020 US SM BUS ADMIN ODA XX/XX/2020
Consumer complaint received 2022-01-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland credit management ( XXXXXXXX XXXX  ) began collecting a credit debt by calling numerous times, sending process servers, and mailing demand letters. I contacted XXXX XXXX XXXX  and the case was dismissed on XX/XX/2020. However, they've continued sending letters, and have refused to remove the debt from my credit bureau when their lawyers did not show to court. This company has overstated and inflated this debt to ravage my credit score.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called Transunion on XXXX spoke with a Supervisor around XXXX. name XXXX. I explained. I checked all of my statement dates with my credit cards. 

My XXXX XXXX XXXX and my XXXX statement dates are XXXX. On Transunion platform their information is from XXXX. My XXXX card date is XXXX my statement date. The Transunion date of reporting is XXXX. 

Transunion is not accurately reporting my correct information. On my FICO score they are reporting my credit score as XXXX and when I log into their platform it shows my credit score is XXXX. 

All information should be reported correctly.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

I was transferring money from my personal banking acct at chase to my joint checking acct that I share with my wife. I accidentally clicked the wrong button and moved from the joint to the personal. That shouldn't of worked since the joint had no money, but nevertheless, the transaction went through and it then put in overdraft from a third account, our savings. The problem with all this is that there was absolutely no explanation of what happened and no accounts were ever updated in the balance so I could not acct for the money for several hours. With the money unaccounted for I tried contacting the bank for hours and could not get through for an answer. I filled out a form online and never heard back. They do not have a live chat. I eventually downloaded my entire bank history and created an XXXX document to find what my balance should be. I then resolved the problem after hours of work... but then I went to correct the very original problem and put money back into the joint account and the balance is wrong, or at least money is still unaccounted for. So now I am missing money and hours and hours of time because the bank refuses to a ) provide customer service b ) inform customers when overdraft fees are taken and how much was taken c ) has no safety from clicking a wrong button in the first place like " are you sure this is right? '' before the transaction goes through ( bc I would have seen my error ) and d ) doesn't update balances so you have no idea where all this money is going and coming from and it simply appears to have disappeared. This is absolutely ridiculous and I expect it to be fixed and for a full tracking of where my money went, where it is, what was taken out and if the right amount is in there now?. ty
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (PR)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Notice of Dispute Pursuant to 15 USC 1681n Dear XXXX, I am disputing inaccurate information on my credit report as provided by XXXX XXXX. This notice is pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681n. 

I dispute the following inaccurate information : [ Clearly state the inaccurate information being disputed. ] I demand immediate investigation and correction of the disputed items as required by law. Failure to comply may result in civil liability under 15 USC 1681n. 

Please acknowledge receipt of this dispute letter and provide a timeline for resolution. 

Sincerely,
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Per myXXXX the addresses listed on the dark web monitoring may be apart of data breach or someone has used it online. I have provided XXXX current address and XXXX identification as proof. Any other alias names, misspellings, addresses I never lived at, and employment must be deleted from my credit reports immediatley. 

my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX, XXXX, GA XXXX no other addresses or alias names should appear on my address. 

This has caused me to get denied for credit.
Consumer complaint received 2022-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I was living at XXXX XXXX XXXX where my contract was voided out due to the apartment being infested with mold. I have a written notice from the apartment manager where I wouldnt be charged upon leaving. I now have {$230.00} on my credit. I sued the company for damaging my credit, loss of personal belongings, and medical costs for XXXX XXXX XXXX. A judge awarded me {$5100.00} however the apartment complex did not pay or remove the damage to my credit.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (FL)

I have a loan with NATIONSTAR MORTGAGE LLC, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called NATIONSTAR MORTGAGE LLC and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and NATIONSTAR MORTGAGE LLC with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CO)

I am writing to dispute the inaccurate reporting of a Identity Theft on my credit report, which I have identified as a violation of the Fair Credit Reporting Act ( FCRA ). According to my records and confirmation from FTC, there is no account filed under my name, and the creditor should not report such information to any credit reporting agencies.

I am a victim of Identity Theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. Enclosures : Police Report/Identity Theft Report, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) Identity Theft JPMCB CARD Credit bureaus must honor my request to remove fraudulent information from my credit report. This is called blocking. Once information is blocked, companies cant report the debt or try to collect it from me.
Consumer complaint received 2023-03-28
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: SYNCHRONY FINANCIAL (FL)

I applied for health credit and received a letter of denial on XX/XX/2023 for various inaccurate reasons along with a false credit score of XXXX. The creditor never examined my credit from any of the major credit services for the time stated above. On XX/XX/2023 I reached out to the creditor in response to the incorrect information I spoke on a recorded call with XXXX @ XXXX XXXX  inquiring about the false information she was unable to assist me, after being placed on hold for an extended time the call mysteriously ended at XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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.

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 2022-01-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF THE WEST (CA)

During the beginning of the month of XX/XX/2022 I went XXXX XXXX and was told I can not open an account due previous account. I need to pay almost XXXX dollars. I ask documentation, something visual explaining debt, date time fame and void check. I went to XXXX XXXX XXXXXXXX was told the same things. However they open an account for me but told me it will close in a week if I dont sign up for mobile banking. I went to XXXX XXXX and was told I cash a check in cash check for XXXX for checking and XXXX for the saving, and in order to pay it off I will have to pay with the manger whos is someone I speak to every time I come in bank. I also spoke with XXXX XXXX bank tried to open up account. From my understanding, I close my account due to my social security card got stolen from the job. Along with me losing my debit card. The reason they said I couldnt open acct there is because I need to have a credit score of XXXX when my credit score is XXXX XXXX points away N was advise to contact the check system. I am shock of hearing this especially since I had an account with Bank of West and process a claim then waiting on claim results my account got close. I went XXXX different bank spoke with XXXX and the manger on XXXX and call customer service representative and more. The bal is XXXX which are bank fees. I ask can I reopen another account but having trouble, however they want my money through. This bank is the bank my stimulus Check and refund goes too as well I found it strange how all of sudden when Covid-19 come now I cant open any account. Every bank manger I know them from past or went to school with. Along o feel like they are u to something can you help please. I work to hard. To deserve this. I use to before the pandemic had two to three accounts at once.
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (IL)

I had an account with Kay Jewelers the # that 's beside the company name on my credit report is XXXX. I paid them off XXXX XXXX, 2016. I was late one time due to illness for a couple of weeks. I called and explained that to them. I keep seeing that I have a balance of {$250.00}. When I called them they said I had to notify you all in order to take it off, which was 60 days after I paid my account off. Thank You so much I appreciate your help.
Consumer complaint received 2023-03-28
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws.

from ; tarra renae mcelmore ... thank
youSomeone needs to hold them accountable for this ALL THESE ACCOUNT NEED TO BR REMOVED IMMEDIATELY WITH IN 14 TO 30 DAYS MAX
Consumer complaint received 2022-01-18
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have repeatedly asked all 3 bureaus to remove these unauthorized inquiries, XXXX  claims that they were not reporting but as I view my credit reports they are still reporting. There is 0 proof that I authorized any of these inquiries, the burden of proof lies on the bureaus, I demand that these bureaus remove these unauthorized inquires immediately! There are no accounts attached to any of the inquiries that are listed below ... 

XXXX XXXX, XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 US SM BUS ADMIN ODA XX/XX/2020
Consumer complaint received 2021-04-07
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. (LA)

XXXX XXXX XXXX sent me a statement for a credit card I never applied for, I never received, I never activated, and I never used. The statement included an annual fee and a missed payment fee ( for the annual fee ). There were no actual charges for purchases on the account. 

I called XXXX XXXX XXXX  and explained that I did not apply for this credit card, I did not receive this credit card, I did not activate this credit card, and I did not use this credit card. They informed me, their credit cards come activated, so no activation is needed. They said, that since I did not apply for the credit card, I did not receive it, and I did not use it, they were reversing the annual fee and missed payment fee, then closing the account for the credit card. Which they did do. 

The issue is : they left the missed payment on my credit report, even though I did not miss a payment. I did not apply for the credit card. I did not receive the credit card. I did not activate the credit card. I certainly did not use the credit card. 

I called XXXX XXXX XXXX, again, to have them remove this from my credit report. They told me to dispute it with the credit reporting agency. I disputed it with Experian, which is the reporting agency I know it's reported on. Experian said that XXXX XXXX XXXX  confirmed that the credit report is correct, so the credit report will remain unchanged. 

The report is not correct, as it was a fraudulent account, likely setup by XXXX XXXX XXXX  themselves, which is likely why it's the ONLY non-store ( real ) credit card I have ever heard of not requiring the credit card to be activated upon receipt! 

Since I did not apply for this credit card, I did not receive the credit card, I did not activate the credit card, I did not use the credit card, and they quickly reversed the fees associated with the credit card, because they knew it was not authorized by me, it should not be on my credit report!
Consumer complaint received 2022-07-19
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  Accounts : XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX 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, DEPT OF EDUCATION/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 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 an account without my written instructions.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc. (FL)

I have requested my consumer report several times with Innovis in XXXX, XXXX and XXXX of 2020 and still have failed to receive it. I have requested it on there website and by mailing a letter with no response. I want my consumer report mailed to me immediately as it is my right as a consumer.