davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (NC)

On or about XX/XX/2022, I found out a Chime account was opened without my authorization when I received an account confirmation email from Chime. I immediately emailed Chime asking them to close the account, which they did. In follow-up emails, I attempted to get more information about the circumstances surrounding the fraudulent opening but Chime would not give me more information. I completed all of the steps they requested, including submitting 1 ) the last 4 digits of my social security number, 2 ) an Affidavit of ID theft, and 3 ) a copy of government-issued ID, specifically my North Carolina drivers license.

At one point, on XXXX XXXX, they emailed account statements to me but, to open them, I had to sign onto their system. When I tried to do so on or about XX/XX/2022, I could not due to a problem with Chime 's system. When I emailed them about this issue, they claimed via email on XX/XX/2022 that it was a known problem with their system and that they would not be able to help me further. More specifically, they stated, " Due to our system limitations, we are unable to assist you further in creating an account and will follow-up with you once a fix is in place. We hope to fix this issue for you in the future, but at the present time, it appears you are unable to enroll with Chime. '' We then exchanged several more emails, the last stating, unhelpfully, that my account was " not in compliance with its internal policies and the member agreement executed at enrollment ''. To state the obvious explicitly, I did not open the account and yet I still have not received any information about who or how an account was opened in my name from Chime.
Consumer complaint received 2021-09-13
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: EQUIFAX, INC. (TX)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2022-05-03
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)

Equifax doesn't investigate a fraudulent entry on my credit report. The other 2 credit bureaus have removed it, but Equifax has had 2 chances to clear it up. They just rubberstamp the bad entry from XXXXXXXX XXXX XXXX XXXX without proof the account is mine ( it's not ). 

The creditor won't remove it and re-validates it as valid when it is not my debt. This belongs to my wife and her ex. The child is not mine and has not been adopted, I don't have financial responsibility for her and the debt was paid. I have no legal responsibility to pay for the child 's debt and it should be removed from my credit. 

Collection Agency : XXXXXXXX XXXX XXXX XXXXXXXX Original Creditor Name : XXXX XXXX XXXX
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MN)

XXXX was a company that I utilized for less than a month. Just like XXXX XXXX XXXX it was company that I purchased from in store and was lied to. The retail location had reviews from every where that pretty much everyone went through what I had. Service was continually bad in my location at the time of zip code XXXX in XXXX and continued dropped calls when my then employment was based off my cell phone and being able to utilize it properly was tarnished I cancelled and yet again attempted to return the devices. One device was certified pre owned and upon bringing it home we had discovered the employee hadnt done his job and you couldnt hear the other person on the call. And according to the terrible rep were were sold it as is and were stuck with it. We ended up cancelling a few days later when my brand new at the time XXXX as mentioned earlier couldnt keep connection to another call even in an emergency and also couldnt connect to the internet anywhere in my town without XXXX. It was done in good faith to try to return both phones and, again both were rejected. Also this happened in XXXX  and this rotten collection agency keeps reporting it as brand new debt which is illegal and harrowing and incorrect. The only thing not clearly defined in the CFPB/ XXXX rules is harassment. And this has been devastating.
Consumer complaint received 2022-05-03
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. (MS)

In accordance with THE Fair Credit Reporting Act, ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXXXXXX 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 SECTION 2 IT ALSO STATES : A CONSUMER REPORTING AGENCY ( CAN NOT ) FURMISH A ACCOUNT ( WITHOUT WRITTEN INSTRUCTIONS ).
Consumer complaint received 2023-01-12
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)

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please make sure to correct or delete the following items that are harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

In XX/XX/2020 I applied for a 3 month forbearance due to COVID-19 and was approved. During this time I received letters saying my account was past due. I called repeatedly and they told me to ignore  the letters, I was in forbearance. In XXXX I said I could resume payments and closed the forbearance both online and over the phone. I resumed payments in XXXX as scheduled. Loancare/XXXX  sold my loan to XXXX in XXXX with first payment due to XXXX  due in XXXX. When I called XXXX, they hadn't received any of the info on the forbearance or deferment from LoanCare/XXXX. I attempted to pay in XXXX, but was told not to because it would be considered a partial payment and they could not accept it. Same in XXXX. I had to defer additional payments in order to get the account current. 

In XXXX LoanCare/XXXX  reported my account as 60 days past due even though I had an approved forbearance, causing my credit score to go down 139 points. I spoke with a representative on  XX/XX/2020 and he said they have no record of anything regarding the forbearance or deferral and it should not have been reported as past due with an approved forbearance. I disputed the late payment report with XXXX. 

I am unable to do a refinance to a lower rate which would lower my mortgage by {$500.00} per month due to this inaccurate credit reporting.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have a right to privacy. 

These addresses do not belong on my credit report XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2020-05-11
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. (GA)

I have been reaching out to TransUnion and XXXX about a Bankruptcy that has been filed on my credit report. These companies have not verified or given me any information as to how and why this account is showing on my credit profile. I have never filed Bankruptcy in my life. I've sent in a letter asking for their method of verification and they failed to give me any information as to how and why this is showing on my credit profile. I and XXXX XXXX XXXX and this account appear to be for XXXX XXXX. I've been sending them letters and trying to get this resolved since XXXX of 2019. XXXX and TransUnion told me they verified with a company but I sent a letter in XXXX with method of verification to both XXXX and TransUnion and they both failed to prove. I also sent a letter to county clerk and they stated they dont furnish information to 3rd parties.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This account is inaccurate in multiple ways balance, open date, last payment date past due delinquencies in the wrong year and please delete these errors for it is very damaging to my credit report and is harming my reputation I have a recent statement from XXXX to prove this account is inaccurate on many levels please delete ASAP.
Consumer complaint received 2020-10-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I contacted several lawyers in XXXX to close on my XXXX XXXX XXXX XXXX, N.J. house. All of the lawyers told me that I couldn't buy the house for one reason or another and that the house belong to a pool of homes that could not be sold. After calling just about every real estate attorney in the area I received a call from XXXX XXXX XXXX who told me that he could close on the house. Many documents that were signed by the sellers and the closing Attorney show that the property being sold was XXXX XXXX XXXX. I contacted XXXX several times and he convinced me that this was no problem. I have been trying to close on the house for years now and the deals fall through for one reason or another, the bottom line is that XXXX XXXX XXXX XXXX who bought XXXX XXXX XXXX XXXX  has no proof of the mortgage. At first I was told that I would have it in 7-10 business days then it changed to 4-6 weeks. XXXX XXXX XXXX XXXX  has no proof of the mortgage. I refinanced with XXXX XXXX in XXXX and XXXX XXXX has no proof of the mortgage being paid off with the refinancing and have no discharge records what so ever. XXXX  XXXX has been requested about 10 times to produce a copy of the cancelled check paid to XXXX XXXX XXXX XXXX  and the discharge records. I continue to get a heap of papers and never get the requested information. I NEED TO GET A COPY OF THE CHECK PAID TO XXXX XXXX XXXX XXXX  AND THE DISCHARGE RECORDS. ALL I HAVE RECEIVED IS A PILE OF PAPERS THAT DON'T INCLUDE THE SPECIFICALLY REQUESTED CANCELLED CHECK AND DISCHARGE RECORD.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft and I am writing to dispute certain information you have reported. Please block this information from my credit report, according to section 605B of the Fair Credit Reporting Act, Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions, please Remove of all incorrect or outdated personal information being reported on my credit file. It's frustrating to continue to get denied for credit approvals because of the inaccurate information on my file. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Consumer complaint received 2020-05-12
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. (CA)

XXXX XXXX  XXXX reported our XX/XX/2020 payment as late eventhough we made payment on time. It is affecting our qualification for a new purchase home loan. I reached out to them but the rep told me to just email them. XXXX  is off the essence since we are purchasing a home. Please help. I need XXXX to make a correction on our credit report and provide us a copy that the inaccurate report has been corrected so we can buy a new home.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Adjust immediately the following inaccurate information that are hurting my credit : 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
Consumer complaint received 2020-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (MA)

I was victim of identity theft as a result of being XXXX  and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  XXXX reported our XX/XX/2020 payment as late eventhough we made payment on time. It is affecting our qualification for a new purchase home loan. I reached out to them but the rep told me to just email them. Time is off the essence since we are purchasing a home. Please help. I need XXXX to make a correction on our credit report and provide us a copy that the inaccurate report has been corrected so we can buy a new home.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX  partial account number XXXX. XXXX  is also reporting this account as a duplicate partial account number XXXX. This is a violation of the Fair Credit Reporting Act to report the same account twice on a separate trade line. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-12
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

A fraudulent charge was put on my credit card. The charge from XXXX XXXX XXXX XXXX in the amount of {$1100.00} occurred on XX/XX/2022, but was not put on my account until XX/XX/2022. I called Citibank to dispute the charge. They cancelled my old credit card and reissued me a new card, but do not dispute the charge. I then did a chat online with the bank and they said they would dispute the charge, but again they did not dispute the charge. This has negatively affected my credit score and reduced my available credit.
Consumer complaint received 2020-05-19
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)

On XX/XX/2020, I discovered that there was a fraudulent account on my personal credit report and I contacted the below credit bureaus to correct it with zero response. 
I submitted to each credit bureau my dispute letter signed and dated, my identity theft affidavit and I sent each package to each credit bureau, Experian and XXXX XXXX via certified mail with tracking numbers which cost me approximately {$73.00} to do this. Experian Certified Tracking Number : XXXX, XXXX XXXX Certified Tracking Number XXXX. On XX/XX/2020 I received confirmation that each bureau had received the certified letters and I know the FCRA allows 30 days from when it was received to process and/or delete the fraudulent items. 

I paid in addition to review my credit reports with my credit monitoring website {$29.00}. On XX/XX/2020, I received confirmation that each credit bureau received my dispute packages and I know my rights with in the Fair Credit Reporting Act section 611. Today is XX/XX/2020 and to date, I have not received ANY letters from the credit bureaus advising anything of their investigation to my dispute, nor has there been anything deleted from my credit reports. 

The credit bureaus have 30 days from the receipt of my dispute package ( XX/XX/2020 ) to investigate and/or delete disputed items. It is now 33 days since they received my dispute packages. I am filing a complaint due to my rights have been violated as a consumer and will be seeking legal council if this is not expedited immediately. I have paid a total of {$100.00} approximately for mailing dispute packages and paying for an ongoing credit monitoring service since discovering this fraudulent activity on my credit report. Please help me take care of this immediately as it is causing severe distress along with having to stay home during this pandemic.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30-60 ) days late on the XXXX XXXX partial account number XXXX. XXXX  is also reporting this account as a duplicate partial account number XXXX. This is a violation of the Fair Credit Reporting Act to report the same account twice on a separate trade line. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.