davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-25
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. (TX)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 


EQUIFAX - Creditor : XXXX Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  - Creditor : XXXX XXXX Inquiry Date : Doesnt show Creditor XXXX XXXX XXXX XXXX Inquiry Date : Doesnt show Creditor : XXXX XXXX  XXXX  Inquiry Date : Doesnt show Creditor : XXXX XXXX Inquiry Date : Doesnt show XXXX  - Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2021-06-22
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: SYNCHRONY FINANCIAL (CT)

In or about XX/XX/XXXX Amazon Synchrony Bank opened a fraudulent account without my permission. Credit bureaus XXXX and XXXX  were notified promptly, and immediately removed the fraud credit card & reporting from my account. However. XXXX  visibly removed it from the online reporting and on XX/XX/XXXX I was informed by an XXXX  Representative that, a late payment from Amazon Synchrony Bank appears on my Credit Report as 60-90 days late. As a result of this malicious, retaliated actions of XXXX, 2 of my credit accounts limits were decreased. Now as a result of XXXX  fraudulent actions I have to monitor my credit reporting daily.
Consumer complaint received 2020-11-25
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)

I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some account are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the account be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible.
Consumer complaint received 2019-02-19
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. (TX)

XXXX, XXXX you are here by ordered to remove this fradulent account at once. XXXX sent statement through the CFPB that this alleged account has a XXXX bal and this alleged account was removed from the past from you CRA 's the name was redacted for Hippa and privacy violations but the account number is stated look at the balance owed XXXX this should of never been re reported to you 3 CRA 'S REMOVE this at once this is there own omission and documentation .CFPB please look at these documents for statement of fact case XXXX
Consumer complaint received 2022-07-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

My wife and I recently opened an Heloc account with USBank. When I went through the process of shopping this account I was sold on one feature. With this Heloc you had the ability to lock your draw for up to 10 years at interest only payments. At 10 years the principle would convert to an amortized principle & interest loan for up to 20 years to pay off balance. We were assured of this multiple times, even up to day of signing XX/XX/XXXX where our loan XXXX XXXX XXXX explained to my wife and I again that we could do this. He assured us we lock an interest only payment online, in person or by phone. He also told us we could do this up to 3 timesXXXX XXXX also increased our line of credit from XXXX that we requested to {$220000.00}, when we said we did not need that much, he said it gave us a better interest rate and he already did it. Fast forward to XX/XX/XXXX. I signed in online and tried to lock an amount at a variable rate and it would not let me. I emailed XXXX XXXX on the XX/XX/XXXX and explained what happened. He responded on XX/XX/XXXX I said I should be able to lock in interest only rates and he would assist. He later called me on the phone and assisted me and explained during the conversation it would be no problem and needed more time and would call me back. The next conversation was that sorry, can't do it. I added management to conversation and they told me after weeks of delay that they could only do 5 years, one time. This was an outright deception and they should be required to fulfill the guarantee of their representative. It was a bait and switch. Please help me
Consumer complaint received 2024-02-12
Product: Credit reporting 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. (TX)

I've filed a complaint on the on going inquires that's on my XXXX report and haven't gotten them removed. i also filed a FTC report and haven't gotten a response from XXXX yet i wish to have this matter resolved in prompt fashion due to it hindering my Credit Report Score.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am reaching out to see if anyone can help me I have been down this dispute road since XX/XX/2020 and I am still writing letters calling trying to get some assistance regarding the accounts that are appearing on my report that do not belong to me at all. No one is helping out There are 8 accounts and I have not applied used or signed for any of these I have no idea how they are appearing on my credit and why I have to fight for this. 

XXXX  XXXX XXXX Acct # XXXXAmt {$11000.00} XXXX  XXXX XXXX Acct # XXXX {$2700.00} XXXX  XXXX XXXX  XXXX XXXX XXXX Acct # XXXX {$5800.00} XXXX  XXXX  - Acct # XXXX {$3900.00} XXXX XXXX- Acct # XXXX {$2200.00} XXXX XXXX- Acct # XXXX {$2400.00} XXXX XXXX- Acct # XXXX {$5200.00} XXXX XXXX XXXX XXXX - Acct XXXX XXXX {$13000.00}
Consumer complaint received 2022-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RFNA, LP (MS)

On XX/XX/XXXX, I sent REPUBLIC FIANANCE a written notice asking them for validation of alleged debt. I request they provide me with PROOF OF PURCHASE AND DISCONTINUE COLLECTION OF THE DEBT IS REQUESTED, Provide a copy of consumer signature on a contract or document that holds consumer responsible for this alleged debt, and Send CONSUMER proof that you are licensed to collect debt in my state. They have fail to provide me with any information.
Consumer complaint received 2021-06-22
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

There has been a lot of actions between bank of America and I They are the ones that brought to my attention of online activity being signed in at two different sides of the us I kept telling them after second time I had to go in to prove my identity that I could no longer make it in. I know who was doing it and they kept stealing my wallets and things so I couldn't go back to do anything.its not only crime my former employer committed violating me. I went through my accounts and noticed charges they made. Bank of America said law enforcement could contact their fraud department to pursue action. Law enforcement kept saying bank of America had to contact them and ignored my police reports. and meanwhile my former employer is getting away with fraud and it's on my record they closed my accounts and I owe them and now I cant open a bank account anywhere and did nothing wrong. 
Not to mention I havnt done any activity in that account and the account I had you can't go negative and can't get any information
Consumer complaint received 2023-03-30
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. (PA)

besides stating actual law and regulations the problems and incorrect information is still appearing on my credit reports, feels like and also appears that my complaint was essentially been ignored, inaccurate on my credit report is very harmful to me personally and financially.the credit bureaus just report anything that they choose to report despite and without regard. i have pointed out how my right to privacy has been violated, my accounts do not state that the accounts and information is being disputed ... 15 u.s.c 1681 ( a ) 2 ( a ) the information excluded from consumer reports Sub Section B paragraph 3 the term consumer report does not include, 1. a report containing information solely as to transactions or experiences the consumer 'myself ' and the person 'company ' making the report, 15 u.s.c 1681. no credit reporting agency shall furnish any information in a consumer report if they have knowledge or reasonable suspicion that the information is incomplete or is inaccurate, the account XXXX states that the status of that account was discharged in XXXX XXXXXXXX date account opened according to credit report is XX/XX/XXXX status updated is XX/XX/XXXX??? seriously, whats even more disturbing is the collections account from XXXX XXXX XXXX is from XXXX it states date opened XX/XX/XXXX and balance updated XX/XX/XXXX, XXXX both these accounts are XXXX  in the same so why is portfolio recovery illegally parked on the credit report. and why are the credit bureaus allowing that? all names besides the XXXX i have provided and addresses older then 7 years old, also the name XXXX XXXX XXXX is in my personal information PLEASE REMOVE!!!!!!!! i will if these matters are not addressed will be hiring counsel PLEASE DO NOT FURNISH OR PROVIDE ANY INFORMATION THAT IS INACCURATE,!!!! if you guys would conduct an actual investigation you will see the errors.. thank you.. hopefully this will be the end of this fiasco..
Consumer complaint received 2019-02-19
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. (TX)

Transunion, XXXX  you are here by ordered to remove this fradulent account at once. XXXX sent statement through the CFPB that this alleged account has a XXXX bal and this alleged account was removed from the past from you CRA 's the name was redacted for Hippa and privacy violations but the account number is stated look at the balance owed XXXX this should of never been re reported to you 3 CRA 'S REMOVE this at once this is there own omission and documentation .CFPB please look at these documents for statement of fact case XXXX
Consumer complaint received 2022-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (MS)

On XX/XX/XXXX, I sent CAINE WEINER a written notice asking them for validation of alleged debt. I request they provide me with PROOF OF PURCHASE AND DISCONTINUE COLLECTION OF THE DEBT IS REQUESTD, Provide a copy of consumer signature on a contract or document that holds consumer responsible for this alleged debt, and Send CONSUMER proof that you are licensed to collect debt in my state. They have fail to provide me with any information.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NJ)

XX/XX/year> Account was closed by Chime ( company refused to tell me this date, i found this myself on app ) XX/XX/year> I had trouble accessing my account and reached out to customer service XX/XX/year> I was informed my account was closed due to inactivity The account closure email from Chime read : " Your account was closed due to an extended period of inactivity. Your account balance at the time of scheduled closure was {$10.00} in accordance with C.10 of your deposit agreement. Per state & federal guidelines, these funds will be transferred to the state on the date of closure for safekeeping. You may apply to retrieve these funds by going to your states unclaimed property website to claim the escheated funds. '' In response, I went to my state 's unclaimed funds website and when I couldn't find my funds, I filed a claim. My state said that they had not received any funds from Chime bank, and instructed me to gather additional information from Chime bank- which Chime bank was unable to provide, despite their written email informing me of the policy and claiming it had already been done, support told me they can not provide me with the information, as the funds were never transferred to the state. I was told that instead a check was sent to my home address, which I have never received, still to this day, months later. 


I've called multiple times to check on the status of the check, where each time I was told either, " The check hasn't been sent yet, I will make sure we send it out for you now '', or that the check has already been sent. It seems Chime has no intention of returning my money to me. 


I have spent a lot of time on the phone and emailing customer service, and almost a year later Chime has still not returned the money I had in my account at the time they closed it. Subsequent calls to Chime result in hours-long endeavors, being transferred to multiple departments, holding for upwards of 40 minutes only to be told no one can help me, being hung up on, and also being assured the check has been sent. I have spoken to supervisors, the " back office '', and general customer support, with no restitution or explanation. 


Chime 's email support seems to be unmonitored, asking a simple request results in going in circles, all of which could be avoided if a real person was reading and responding to emails to support. 


Overall, I have still never received this account closure check, and trying to get this resolved through Chime customer support has proven to be an elusive task.
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. (MD)

On XX/XX/XXXX I attempted to fix issues with the credit bureau but no success so am I now filing a complaint against the credit bureas due to the false and deceptive report of the credit bureaus.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Westlake Services, LLC (TX)

The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate.

o My student loan shows a period of delinquency when I was actually in an income-driven repayment plan.

o Im the victim of identity theft and I dont recognize one or more of the accounts on my report.
Consumer complaint received 2021-04-07
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. (MD)

New alerts from XXXX. Account used by ex-spouse XXXX XXXX. Opening accounts/identity theft dated end XX/XX/2019. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Distribution of information ( sold ) on dark web. 

He is deleting information to try to cover his tracks. Screen shots attached. 

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
Consumer complaint received 2021-04-07
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. (MD)

New alerts from XXXX. Account used by ex-spouse XXXX XXXX. Opening accounts/identity theft dated end XX/XX/2019. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Distribution of information ( sold ) on dark web. 

He is deleting information to try to cover his tracks. Screen shots attached. 

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
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-04-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (IL)

Venmo decided to randomly suspend my account on Sunday, XX/XX/XXXX. I had a balance of {$1300.00} at the time they suspended it, plus a pending sale of Litecoin for XXXX that is expected to settle on XX/XX/XXXX. Why IS MY ACCOUNT SUSPENDED I DID NOTHING BESIDES BUY LITECOIN AND SELL IT, I HAVE OVER {$1200.00} IN THE ACCOUNT AND A PENDING SALE OF LITECOIN, this is ridiculous and I demand an explanation! YOU ARE CAUSING ME A SEVERE FINANCIAL HARDSHIP! I HAVE UPLOADED THE REQUESTED DOCUMENTATION IN THE FORM OF AN ID AND I DEMAND A RESOLUTION IMMEDIATELY! How can Venmo get away with this when some people like myself use it to pay bills and use the banking and debit card, by suspending my account for NO reason this has put me in a very difficult position financially as you I can not even transfer the money in the account to my linked bank account which has been linked for YEARS. Venmo/Paypal are completely in the wrong and should address matters like this instantly instead of causing havoc in peoples lives, this would never happen with a real bank, you would at least be able to get your money out. I demand an answer and my account to be unsuspended ASAP. Again- this has caused me severe hardship and I am willing to take this to small claims court. 

Note : I was asked to upload ID which I did immediately and have heard nothing back.
Consumer complaint received 2022-07-19
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. (TX)

XXXX XXXX XXXX XXXX Account number # XXXX Balance {$2600.00} I do not remember opening this account so I ask the creditor to show me the original contract end all the information they have like Payoff disclosure and Interest rate disclosure original contract Credit insurance payment history interest rate disclosure and they can not provide it so I am asking all three credit bureaus to delete this account. And to respect my rights my rights are being violated so I am asking for help.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have filed disputes with the XXXX, XXXX and transunion I have yet to get an response from them. I realize things are slow right now they can still reply within the time allow by law