davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (CA)

I received XXXX emails this morning from Chime. The first was a new login alert and the second was a welcome email from the CEO thanking me for opening a new account. I have never heard of Chime and never signed up for a Chime account. I contacted their fraud department and they closed my account but confirmed that my social security and personal information were all used to create my account. Other users on forums are mentioning they experienced something similar with Chime. I believe Chime is doing something nefarious here creating fake user accounts with breached consumer data and Chime is definitely not secure. Their signup procedure is way too lax for a bank.
Consumer complaint received 2020-07-06
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. (TX)

FTC Violations please remove the accounts below : XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX. XXXX  XXXX Inquires ftc XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

Hey I was taking advantage of due to non-practical laws being broken due to XXXX by your company. This causing financial injury. this destination of character. I cant get a job. I can't apply for credit. Hey i can't even get a loan due to this pandemic under this crisis. It bureaus hurt my ability to obtain credit.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

- My name is XXXX XXXX, last four of my SS # IS XXXX.My account number is XXXX. I am writing to dispute the late payment reported by XXXX. I have been impacted by XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XXXX 2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES CALL ME ONCE THAT IS DONE! MY ACCOUNT IS NEGATIVE {$140.00}! I WAS NOT TOLD BY GOING INTO A FOREBARACE, THIS WOULD PUT MY ACCOUNT OVER THE CREDIT LIMIT! This should be illegal! My credit is ruined because of this! This is a UDAPP VIOLATION AND A CARES ACT VIOLATION!
Consumer complaint received 2020-07-15
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: Experian Information Solutions Inc. (NY)

Hello, I had sent a letter to Experian regarding some inaccurate information on my credit report and for them to remove and fix the accounts on XX/XX/2020. I sent them a follow up letter on XX/XX/2020 and still no reply. From my understanding they are in violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for your investigation.
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Moran Financial Group LLC (GA)

On XX/XX/2020 I contact Mrs.XXXX  XXXX to assist me a purchasing my first home. Okay missed while collecting all my information got everything she asked me to get. XXXX XXXX induced me to XXXX XXXX the realtor, He show me homes from XXXX to the second week of XXXX and that's when I pick out the home that I wanted. Gave them {$2000.00} earnest money pay {$600.00} for the appraiser and XXXX for the inspection. Everything was going good but I had to get like three extensions because all parties could not get in touch with Mr. XXXX week later waiting on the XXXX to approve and to look over the papers making sure everything was in order. XXXX was approve XXXX XXXX. XXXX XXXX didn't contact me until XXXX XXXX after XXXX XXXX. XXXX XXXX Weekend.  Asking for more documentation that which I had already turned into Miss XXXX XXXX XXXX XXXX had left the company.I got a phone call on XX/XX/XXXX from XXXX XXXX stated that he would be taking over the long process of me going to the closing of my first home as time went by XXXX nothing no call ) 2 weeks I haven't heard anything from Mr. XXXX so I decided to get him a call myself he always send me to the voicemail or text me stating he's in a meeting, or he will call me after XXXX. So I decided to call Realtor XXXX he stated that he been trying to call and get in touch with him also also the the seller couldn't even get in touch with him we all have text messages going back and forth with XXXX XXXX so the founder was he has been holding my loan for 90 days and the seller decide to pull out of course I lost my {$2000.00} I wasting my time with XXXX with the appraiser and XXXX for the inspection I called and let him know what was going on he was trying to call Miss XXXX back the seller I asked for another 30-day extension. All the time he never sent me the CD for closing so when I asked him since I lost my money What he going to do to accommodate me my {$2000.00} earnest money {$600.00} appraisal fee. XXXX XXXX told me there's nothing he could do because it wasn't his fault all I'm asking him to do is give me my {$2000.00} back for the earnest money my {$600.00} appraisal and my inspection and call it a day he told me he would never give me anything because it wasn't his fault. I have proof of everything. And I really feel he was very unprofessional always texting won't pick up the phone to call always give you different lies, or he always in a meeting, or or he's taking care of his dad going out of town.So my point is how can XXXX work on my loan a try to get me closing and you doing all these extra activities there for you never looked at my folder or try to get me close and never sent me the CD before the closing. 

XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

In XX/XX/XXXX, I applied for a loss mitigation package. After filling out all the paperwork, I just received notification XX/XX/XXXX, I was denied. In XXXX, I refinanced my mortgage. Two weeks later Hurricane Sandy hit and my home was damaged. A year later I lost my job. I managed to keep my mortgage current until these past few months. I have 8 years left and owe approximately {$140000.00}. I would like to extend the term so my payments would be easier to manage. Santander told me my income is too low to do that. Obviously that is the reason I am doing this. XXXX XXXX NMLS MLO # XXXX, is my loss mitigation specialist. I explained I can increase my income and he said to resubmit the loss mitigation package and it will be rejected again. He told me to plan my exit strategy. As it is only a matter of time before the house is in foreclosure and people will be like birds pecking all over me. He told me no one will make an exception for me.
Consumer complaint received 2022-07-25
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. (CA)

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6000.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$410.00}.
Consumer complaint received 2020-07-15
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. (TX)

Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor 08 XXXX XXXX XXXX XXXX XXXX XXXX  Status XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 01 XXXX XXXX Status Open Opened Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX XXXX XXXX Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX XXXX Account Type Utility Company Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX Account Type Secured Loan Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX Account Type Secured Loan Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit
Consumer complaint received 2020-07-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (AZ)

My husband I ( XXXX and XXXX XXXX ) have had an equity line of credit off their home for a few years now with Navy Federal. Since both of them signed on this loan TOGETHER, Navy Federal refuses to see that we are both on the loan. They placed the loan  under XXXX XXXX only even though clearly XXXX XXXX is on the loan, signed for it and even has it on her credit report as her loan as well. Numerous times XXXX XXXX has sent in a power of attorney since XXXX and even sent in another one and confirmed on the phone with a rep just a few months ago in XXXX that I am on the loan and I am allowed to be spoken to on this loan. Each time XXXX XXXX has spoken to a rep they tell him, " the information has been saved and we will be able to speak to XXXX ''. Each time he sends in a power of attorney they tell him the same thing. However yet again today XX/XX/XXXX when XXXX XXXX calls in they again tell her they can not speak to her due to her not being on the loan. This is false and this must be stopped. Second issue is both XXXX and XXXX applied for forbearance a few months ago for this exact equity loan. They approved and said we can make payments over the phone still but they will be held till the forbearance is over. No payments can be made online and the next actual payment wont be due till XXXX. XXXX made two payments over the phone as yet again each time XXXX called they wouldn't speak to her. XXXX logged into the account today and low and behold it shows their account severely delinquent and that they owe {$920.00} in behind payments. Where did the two {$300.00} payments go towards and why does the account say severely delinquent? XXXX tried to call in again and of course they wont speak to her or help her on HER OWN ACCOUNT. Both XXXX and XXXX have had enough of this and want them stopped before they take legal action against Navy Federal.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I was recently attempting to refinance my home and when my credit report was pulled, I had a late payment in XX/XX/2019 from a store charge card, XXXX XXXX ( XXXX ) serviced through Capital One, severely impacting my score. I am currently 2 points away from the required score to refinance and was told to contact XXXX card services to see about removing this blemish from my credit report. I was told to write a letter to XXXX   and they would respond within 2-3 wks. The letter included information such as the month of the late payment, XXXX and the situation at hand. My normal monthly is {$40.00} and an archived electronic statement dated XX/XX/2019 shows a past due amount due of {$100.00}, with a total amount due of {$150.00} on XX/XX/2019. I immediately noticed the discrepancy and paid the full amount ( {$150.00} ) on XX/XX/2019 which included the past due amount and charges through XX/XX/2019. This was a simple oversight, on that could have been avoided with a simple correspondence from XXXX card services. I accepted the late fees as I understand that the payment was in fact 2 days late. However, I have NEVER had a late payment on any of my credit cards, never mind reported on my credit report and have always paid over the minimum amount due. I did not receive any notification and was completely unaware of the blemish they placed on my credit report until I tried to refinance. Therefore, I wrote a letter to attempt to have this removed from my credit report. 
After not receiving a response, I contacted them yet again. I was then told to what a few more days. Again, I did not receive a response and called again. This time I was told that it was up to Capital One to respond and take necessary action so I was transferred. Capital One pretty much told me too bad and wait for them to respond. They have 2 days left and it will be 30 days to which they did not respond to my dispute and therefore, I am requesting that the information be removed from my credit report. This was a simple " 2 DAY '' oversight that will end up costing me thousands upon thousands of dollars and Capital One is unable to work with a long-term, good standing customer that has continuously paid on and above minimum balances and remained current on their account during the whole worldwide pandemic. They are being completely unreasonable.
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ridge & Valley Realty, Inc. (CO)

I have a debt that has been bought by Credit Systems Inc . The total was XXXX. Plus and interest rate of 13.99 % per annum. Which on my original contract states the interest is {$32.00}. 

I thought my garnishment was going to be over a month ago. But I keep getting charged. From XX/XX/20 to XX/XX/20 I have been charged {$18000.00}. I've contacted the creditors and been told that this additional debt has been the interest rate. But according to my original contract this is much more than I was originally told I would have to pay.
Consumer complaint received 2022-10-12
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. (NJ)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-06
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. (OH)

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible.
Consumer complaint received 2020-07-06
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. (OH)

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible.
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Around XX/XX/2020, we contracted a man to change our sliding back door. We made two payments for XXXX each a total of {$1600.00}. the first payment was made via check XXXX on XX/XX/2020, and the second and final check # XXXX was made on XX/XX/XXXX XXXX. 

At some point the man deposited the checks to his account with XXXX XXXX. I was debited on {$800.00}, then {$8000.00}. A total of {$8800.00} We discovered the huge discrepancy and called bank of America on XXXX, asking them to acknowledge and credit back {$7200.00} into my account. Received a letter from BOA saying that the amount of {$7200.00} was reversed into my account. Subsequently BOA debited the {$7200.00} from my account and they refuse to credit that amount back. It was a big bank error. I have called BOA many times and they first say that they should of caught this, then when they transfer me to another department they tell me they can not do anything to reach the man directly to get my money. The man does not answer my calls. 

On XXXX, we had an attorney send XXXX and BOA a letter, explaining the situation and to contact me directly to resolve this matter. As of today, I have not heard from either banks to help me with this. I am retired, my husband works very hard to provide and we don't have much left in our savings. We are asking to please look into this Thank you, XXXX /Spanish preferred
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

On XX/XX/2020 I sent a validation request to Wakefield and Associates certified mail receipt XXXX. To this date I have not received anything pertaining to my request regarding this account, however I continue to get collection calls from the company even though they have yet to validate. I have been called from XXXX as well as XXXX from Wakefield. They both called and made contact with either myself or voicemail. After contacting me/leaving a voicemail, continuing to call the same day is harassment.
Consumer complaint received 2020-07-15
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. (IL)

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22  times. I filed two police reports. 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, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 

My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Consumer complaint received 2020-07-15
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. (MI)

To whom it may concern : Back in XX/XX/2019, my husband added me to XXXX XXXX  CREDIT CARD. Couple of months later he had removed me from the same account. He is a sole holder of that account, however, XXXX are still reporting me to credit bureaus. This information is incorrect and affects my credit score. Please resolve. Thank you
Consumer complaint received 2020-07-02
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. (NC)

its been 3 months since I notified the credit bureauby mail that my identity was stolen. I have been sending letters and placing several calls a week disputing the fraudulent information on my credit report. The erroneous information is ruing my life financially and need this removed asap!