davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (KS)

On XX/XX/2022, I purchased what was advertised as a garden project book but turned out to be a book about bugs and the company enrolled me in a membership ( with a week free trial period ) without due notice ; I received an email confirmation of the enrollment and upcoming {$39.00} charge. I notified the company about the book not being as advertised. Then I called Chime same day at XXXX to dispute the charges as they were not what I purchased as well as block future charges from the merchant. I was bounced to 3 separate representatives. The last representative did not understand XXXX or did not LISTEN. I told him that I wanted to block the merchant so they can't charge me for a membership. I told him several times that the merchant will try to charge me in a week after the alleged free trial ends. He wouldn't listen and kept looking to History of my account for a charge of {$39.00}. I had to tell him several times that it would be a FUTURE charge by the same merchant from whom I bought the book. He still couldn't understand and kept saying he can't find the charge for {$39.00}. I finally asked for a supervisor who spoke XXXX. This employee hung up on me and refused to block a merchant or unauthorized charges.
Consumer complaint received 2022-07-16
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: Experian Information Solutions Inc. (CA)

While checking my personal credit report, which I acquired fromExperian, XXXX, and XXXX. I noticed an UNAUTHORIZED inquiry made by your company XXXX XXXX  on XXXX I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Consumer complaint received 2023-04-03
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: Experian Information Solutions Inc. (NY)

IN Accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account 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 a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates th e report by more than seven year. 15 U.S.C. 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-16
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: AMERISAVE MORTGAGE CORPORATION (OH)

On XX/XX/2021 I received an alert that Amerisave Mortgage Corporation requested a copy of my credit report. I also received another alert that XXXX XXXX  XXXX also requested a copy of my credit file. On XX/XX/XXXXI received a letter in the mail from Amerisave titled : Notice to Home Applicant, with details of my credit report. I have not applied for a home loan and I did not authorize either company to pull my credit. I did not speak to anyone from either company, neither did I fill out a credit application for a home loan. XXXX XXXX  XXXX said I needed to speak to Amerisave, I have not been able to reach anyone at Amerisave after several attempts, I even left a review in hopes that someone would reach out to me. I also called XXXX  and they stated I needed to contact the company to file a dispute but I am unable to connect with anyone from Amerisave.
Consumer complaint received 2020-11-12
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: Exeter Finance, LLC. (VA)

On XX/XX/2020 I received a payoff quote from Exeter for my automobile and I used it to refinance the car with XXXX XXXX. My XX/XX/2020 Auto payment was due on XX/XX/2020 & XXXX told me car would be paid off by XX/XX/XXXX. 

On XX/XX/XXXX I contacted Exeter because the payment from Ally looked like it had still not been processed by Exeter & I did not know if sending a payment would interfere with that process, but I knew I was approaching 30 days late - I didn't know if I was still being held to that due date or if they were aware I had refinanced and they were processing the payoff already. I was unsure of what I needed to do. The representative I spoke to advised me she would place an extension on the account and as long as they received it by the end of XXXX, I would not receive a delinquency. 

Between XX/XX/XXXX and XX/XX/XXXX I Continued to receive collection calls from Exeter and on XX/XX/XXXX I called Exeter again and spoke with another representative. I explained the situation again and asked again if I needed to send a payment. The representative again said they would notate the account. 

The account was paid off in full on XX/XX/XXXX, but then the first week of XXXX I received notification that I was reported 30 days late for my XXXX payment by Exeter. I called Exeter on XX/XX/XXXX to dispute this with them, because surely this must be a mistake since I asked them how to handle this before I was 30 days late and they told me I would not be marked late if they received payment from Ally by XX/XX/XXXX and they received payment from Ally on XX/XX/XXXX. Exeter opened a dispute and I just received the results and they reported to me that they found they reported the 30 days late correctly. 

This is absolutely egregious. Exeter is a sub-prime auto finance company and I accepted them as my lender after a bankruptcy with the intention of working towards refinance. I worked hard for many months by paying on time to rebuild my credit and be able to refinance with a different company at a better rate, only for them to ding me as 30 days late after they told me how to handle my payoff payment with my new lender. That is absolutely unfair. Now when I attempt to purchase a house I will have a recent 30 day late on my credit that is inaccurate. I need this removed - it is absolutely incorrect and unfair. 

Exeter 's phone number is XXXX. I have attached our XXXX cell phone records that reflect the calls I made to exeter on XX/XX/XXXX from my husband 's cellphone XXXX and on XX/XX/XXXX from my cellphone XXXX. Had the representative that I talked to on XX/XX/XXXX at Exeter properly put in my payment extension OR properly notified me to make a payment despite the pending payoff, this situation would have been avoided.
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: HCFS Healthcare Financial Services of TeamHealth (WV)

A collection came up on my credit. I thought it was a hospital bill, so I paid it all off. Turns out it was not the hospital bill. I called the company 3 times for them to send me the information to figure out where the debt is from and the payment options. Never received any information. The debt is still affecting my credit.
Consumer complaint received 2023-05-19
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. (MD)

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (MI)

XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX Disputed to remove because I did not authorize these inquiries
Consumer complaint received 2023-05-19
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and listed on my credit report XXXX XXXX Balance : {$250.00}
Consumer complaint received 2021-07-06
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. (CO)

I received a letter from Midland Credit management with Big bold heading stating " PRE-LEGAL NOTIFICATION '' also states they may proceed with forwarding this to a lawyer if I don't pay account in full. Also states if we forward your account to attorney this results in a lawsuit against you. 
This is the first I even heard from this company with this alleged collection and they are threatening to sue me. 
They also re-aged the debt ( Ive attached a screen shot of the most current credit report for support of proof. 
The amount on their letter is higher than what's reporting on the credit bureaus also. 

I responded with a letter and have not heard back. Ive attached their letter and my response letter.
Consumer complaint received 2022-07-19
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: NAVY FEDERAL CREDIT UNION (AL)

My name is XXXX XXXX. I sent Navy Federal Credit and there registered agent a billing error notice. As a consumer they fail to apply a credit that I am due, and also they withheld this information from me. Pursuant 12 cfr 1026.13 this constitutes as a billing error .Navy Federal Credit Union is notorious for shutting down consumers accounts due to us exercising our consumer rights. Pursuant 12 CFR 1026.11, when a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall credit the amount of the credit balance to the consumer 's account. Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer. Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. Also in my letter I stated what they can and cant do to the consumer. I feel as Navy Federal has taken a advantage of me for a long time. They withheld this information while I was paying them when I was due a credit. They same letter was also sent to The Alabama Attorney General.
Consumer complaint received 2022-09-03
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX/XXXX  XXXX Balance : - ; XXXX/XXXX  XXXX Balance : {$280.00} ; XXXX  XXXX  XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$990.00} ; XXXX/XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

Chase stated they did not receive authorization from me for XXXX XXXX to handle fraudulent charges on my grandsons account ( ending XXXX ). XXXX from executive office advised me that she mailed and emailed me the form. I usually receive email and mail correspondence from Chase, however I never received the promised form from XXXX. Please make XXXX provide proof that she emailed me the form. Please assist me in getting the form. Thanks!
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I am trying to apply for a car loan today XXXX. I have a freeze on all of my credit reports due to having my identity stolen. Last night ( XXXX ) I attempted to unfreeze all of my accounts. I was able to unfreeze all, but one with Equifax. I have had repetitive issues throughout the years to unfreeze my account with Equifax. I called and spoke with two representatives and a supervisor on XXXX. I was able to prove my identity, but was told that I would still need to fax over my social security card, ID and a letter explaining why I sending over the documents. They explained to me that they needed updated information about myself in the system before they can lift the freeze on my account. This provides an issue for me, because they have told me that the processing time take 3-5 business days for them to process the information. 

They explained to me that they were unable to access my account until I provide them with my personal information. I have an issue with this company not only for the fact of the matter that my personal information was stolen from them due to their security breech, but for the fact of the matter I am being held hostage and unable to apply for a loan due to their inability to keep my information current. I now am in a situation where I can not apply for a loan because Equifax will not unfreeze my account for several days. 

I am looking for assistance for a quicker resolution so that I can apply for a loan. This company has made my life more difficult from the day that my information was stolen from their company. They continue to make my ability to apply for loans increasingly difficult when the ability to manage personal freezes should be a simple and seamless process. 

Although reluctant to give my personal information to this company that has not kept my information private in the past - I am willing to give them my information. However, a processing time of 3-5 days is unreasonable and unfair. I can loose out all because this company refuses to release my freeze.
Consumer complaint received 2021-02-23
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. (NY)

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Transunion any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my Follow up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : -, XXXX  XXXX Balance : {$0.00}, XXXX XXXXL XXXX Balance : {$460.00}, XXXX XXXX XXXX XXXX XXXX : {$9300.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$330.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Consumer Finance, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein.

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX XXXX Office.
Consumer complaint received 2020-11-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (WA)

I was told by XXXX that if my credit score went above XXXX during the process, my interest rate would drop almost a full percentage point. So then I contacted him XX/XX/20 and he said he redid the rate lock, and the rate did not change but I no longer had to pay points to get the 4.25 rate. This was different than when he initially discussed it with me. Then my final disclosure I told them about the error charging me a rate lock extension fee, they said because my other rate expired. I advised it did not expire as it's good for 32 days and it has been less than 30 days. They said they would correct it. At final closing they charged me {$540.00}. realtor told me it doesn't effect title so go ahead and sign and we can talk to lender the next day. So when I tried talking to them they refused to cooperate and kept insisting it was because my other rate expired when I closed on XX/XX/20, my rate had not expired. If it truly expired, then he didn't rerun my rate and lied to me on XX/XX/20. I have all the emails to prove it. I asked them to refund that rate expiring fee they refuse and now refuse to call me back refuse to answer voicemails or texts. They also caused multiple delays in my process taking well over 60 days to finalize because they did not order the appraisal timely and ask for documents several times over and over again when I had already provided them multiple times. They passed me around to about 7 different people in their office. The entire process was a disaster
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS (SC)

I ordered my consumer report from LexisNexis online several months ago and there were name and address errors on the report. I contacted LexisNexis by telephone and disputed these errors with one of their customer service agents. I also placed a security freeze on my LexisNexis file. I was given a consumer and case number that matches both the dispute and security freeze file. I received a Security Freeze Confirmation letter on XX/XX/2020. On the Results of the Reinvestigation letter LexisNexis sent me on XX/XX/2020, LexisNexis said they verified that a bankruptcy case was accurately reporting on my LexisNexis XXXX report. On XX/XX/2020, I sent LexisNexis a certified letter with return receipt service requesting the Method of Verification that was used to verify the bankruptcy case that they stated had been verified by them using the assigned consumer and customer number according to the Fair Credit Reporting Act. Within 15 business days, LexisNexis did not send me a description of the procedure they used to verify the bankruptcy or the business name, address, and telephone number that they contacted to verify the bankruptcy case with. What I received from Lexisnexis was a letter that said additional information was required to process my request. They attached a blank Lexisnexis Request Form with a different consumer and case number to be completed and mailed back to them.