davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Good morning I am so tired of being the credit bureaus victim. It seem as if because I disputed fraudulent accounts and inquiries that XXXX amount others continue to allow to happen XXXX took it upon themselves to delete all the erroneous items It seem as if because I disputed fraudulent accounts and inquiries that XXXX  amount others continue to allow to happen XXXX  took it upon themselves to delete all the erroneous items as well as negligently and maliciously removed all my accurate accounts now. Now I contacted all the credit bureaus including changing it Experian and was told that XXXX sent out these reports to themand maliciously removed all my accurate accounts now. Now I contacted all the credit bureaus including changing it Experian and was told that XXXX  sent out these reports to them. How can I as a consumer seek help from the consumer finance protection bureau and I'm not protected just because I know my rights and won't let the bureaus take a vantage   of me they basically destroyed my dreams of being a homeowner asked for. How can I as a consumer seek help from the consumer finance protection bureau and I'm not protected just because I know my rights and won't let the bureaus take a vantage of me they basically destroyed my dreams of being a homeowner asked for as for the action it cost me to lose my ability to buy my first home as well as losing my {$15000.00} that was sitting in escrow so you tell me how XXXX   XXXX  mad should I be. I have recently paid off my account with perfect history my XXXX  XXXX XXXX my XXXX  XXXX XXXX card as well as my XXXX XXXX XXXX they maliciously deleted those accounts on purpose to spite me. I contacted XXXX XXXX and with all these cases and they told me that XXXX  would have to send documentation showing it was added back on which XXXX  in return said they are not liable for the mistake that they created if it was at all a mistake which I wholeheartedly believe it wasn't.. 
XXXX  ALSO REMOVED AND SENT TO XXXX  AND EXPERIAN TO BE REMOVED A PAID OFF VEHICLE FROM XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX  -WHICH ALL THESE ACCOUNTS HAD PERFECT HISTORY XXXX BALANCES NOW U TELL ME THIS WASN'T DONE TO DELIBERATELY HURT ME. 
The crazy thing of all was that they let the fraudulently inquiries stay on my credit as well as the inquiries to the accounts that they took off which absolutely makes no sense by the rules of the fair credit reporting act. I DEMAND JUST TO BE TREATED FAIRLY I FEEL LIKE IM BEING XXXX PROFILE WITH THE INTENT TO HARM MY BEING AND CHARACTER AS A PRODUCTIVE MEMBER OF SOCIETY.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXXXXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX  Balance Owed : {$0.00}.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc (OH)

Chime is a unique type of checking and savings institution who provides both types of accounts including a unique Chime credit builder 'credit card ', all of which I have. First, XXXX of the benefits of a Chime account, as stated in their advertising was up to a {$200.00} FREE overdraft protection contingent ONLY on qualifying direct deposit MINIMUM of $ XXXX consistently for an unspecified period of time. I had moved my Ohio Child Support direct deposit to Chime almost a year ago well over {$200.00} minimum yet they have FAILED to honor the overdraft of {$200.00} on my account and persistently claim their SYSTEM decides when I get the {$200.00}! I have called them over 8 times asking why the refuse to increase my overdraft protection to the max of {$200.00}. They blame it on their system and become combative. In addition, the Chime Crdit builder credit card is a type of credit that used my funds moved from eitrmy checking and or savings account onto my card and them they report my use of the card to the the XXXX credit repositories. The funds are then held in the credit builder account and show as a negative balance I discovered on my XXXX credit report as I montor it i app. However for an entire 30 days, it reports as a NEGATIVE balance! At the end of a calendar month they pay the negative balance they're reporting to the credit bureaus with the funds I ACTUALLY put on the card, therefore reflecting it as paid in full, yielding a boost in my credit score. It has worked to improve my credit score, however, the account is intentionally reported as negative for 30 days based on the amount of money I add to the Credit builder card. Not sure if it's legal. Lastly, my main complaint is their false advertisement of {$200.00} overdraft protection and their denial of that feature to me despite meeting their requirements. I received an email today after my last call to the conpany this month asking why they refuse to grant me the benefit stating I no longer qualify! I never received more than {$40.00} overdraft over the life of my being a customer! The email stated that due to the fact that for the first time since opening my checking and savings, it was over 30 days mince my last direct deposit, ad XXXX HAD 5 WEEKS in the month. My direct deposit comes from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Feel their action today was retaliatory due to my demanding they stop advertising overdraft protection and refusing to grant it without explanation.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (MD)

At the beginning of the COVID-19 Pandemic I spoke to a representative on American Credit Acceptance about my employment status being changed due to the government shut down. The associate ensured me that I would not be charged any late fee nor would my credit reporting be changed due to the pandemic. I have continued to pay every dime I have to them to make sure my car payment stays current and to my surprise when I checked my credit I was reported late for the month of XXXX for failure to pay late fees. I understand that and normal circumstances this would be an accurate reporting but due to the fact that I was specifically told my an associate of that company that I would not be charge late fees and the late fees ( accumulating around {$230.00} for multiple months ) is what reported to my credit report. I am asking that American Credit Acceptance be true to their world in helping their customers out during the tough time and reverse any late fees i have been charged and most importantly fixing the reporting on my credit profile immediatley.
Consumer complaint received 2020-06-26
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. (FL)

I was checking my credit today XX/XX/20 because I want to apply for an auto loan in the next few months but when I was looking through my credit report, I saw some accounts and inquiries that are not mine. The accounts are from companies that I have never opened any account with nor am I affiliated to those companies in any way. I did not allow anyone to open these accounts in my name and I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts because it's not fair that I'm being help responsible for accounts that I didn't even open.
Consumer complaint received 2023-06-25
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: Experian Information Solutions Inc. (OR)

In XXXX I fell behind on my XXXX XXXX XXXXXXXX credit card account and it went into collections. I paid the account in full in XX/XX/XXXX. Shortly thereafter the XXXX XXXX XXXX credit card entry was removed entirely from all 3 reporting agencies. Recently I received an alert that a new line of credit was reported by XXXX XXXX XXXX. It is showing as a charge off paid in full ; however, instead of showing the original delinquency date in XXXX ; it is making it appear as if it was charged off in XXXX. I asked Experian to correct and they made it worse. My score dropped XXXX points as Experian is showing it as a XXXX and current charge off now as of XX/XX/XXXX. 
Experian Report Snapshot : Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXXXXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. {$5700.00} written off. ( INCORRECT ) Status updated XX/XX/XXXX XXXX balance {$12000.00} Monthly payment - Last payment date I paid in full so the {$5700.00} write off is incorrect. In addition the charge off was in XXXX NOT XX/XX/XXXX Experian and XXXX XXXX XXXXXXXX continue to try to re-age the debt when its been almost 7 years.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

The auto loan was opened on XX/XX/2018, but the payment history for XXXX, XXXX, XXXX, and XXXX of XXXX is missing from my credit reports, which yields an incomplete description of the payment history. Please update the payment history for this account or remove the account from my credit report for being incomplete.
Consumer complaint received 2023-06-25
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)

This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I requested an investigation of XXXX XXXX XXXX which is inaccurately reported on my credit file. I have requested an update on status of this investigation in writing and via telephone but I have received no update as of yet
Consumer complaint received 2022-08-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Edge Home Finance Corporation (TX)

I applied for a Mortgage with this company in XX/XX/XXXX, and this company requested certain documents and an agreement to pull my credit reports in order for me to qualify for finance with them, and once I produced these documents and agreed to allow them to pull my reports I was told by a XXXX XXXX XXXX with this company that I had qualified for a certain amount money, and then all of sudden XXXX XXXX stopped answering my phone calls and emails, he also stopped answering my realtor 's calls and emails as well. Its now XX/XX/XXXX and it's been months since me or realtor have heard from XXXX XXXX
Consumer complaint received 2020-06-26
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. (MO)

XXXX, Equifax and XXXX  are falsely reporting incorrect information on my personal credit reports. There's a list of inquiries on my credit report that was never authorized by me. These inquiries listed below was executed without my consent or knowledge. 

XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (SC)

I disputed my medical debt with XXXX and XXXX under the XXXX XXXX XXXX and they both removed this debt from my credit report due to a violation of my HIPPA rights. Experian is refusing to remove after disputing despite me making an attempt which is also violating my HIPPA rights. Ive sent out a letter to Experian about this matter as well on XX/XX/2023. Im attaching the letter sent and proof that the other Bureaus such as XXXX and XXXX has removed this debt from my account.
Consumer complaint received 2022-08-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP (WI)

I recieved a notice on XX/XX/XXXX the documents stated that a wage garnishment had been filed against me by Rausch Sturn LLP from a creditor named XXXX XXXX, XXXX. XXXX XXXX. XXXX with the total amount owed listed as {$3000.00}. I did contact the debt collector to dispute, as this debt was not mine. The date of judgement was listed as XX/XX/XXXX. I have never recieved any communication from this debt collector or the creditor on file. 

When I contacted the company on XX/XX/XXXX, I spoke with XXXX XXXX XXXX XXXX. She stated that I could have one of their attorneys call me back to discuss the debt but they had already filed for garnishment on XX/XX/XXXX and that disputing the debt would not stop collections from my paycheck. I insisted this must be a scam or something because at what point does any collection agency have a justifiable right to take money from someone's check without any prior notice whatsoever, especially from a judgement they claim is from almost 15 years ago. I had no notice of any court proceedings, or any information besides this notice I recieved today on XX/XX/XXXX.
Consumer complaint received 2022-08-05
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: SYNCHRONY FINANCIAL (MI)

This was not sent in error. I, XXXX XXXX am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my consumer report. Unauthorized use of my credit report.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched USAA 1099-C ( Account ( 4 ) XXXX ) CANCELLATION OF DEBT ( Closed XX/XX/XXXX ) credit limit {$15000.00} CANCELED DEBT {$9600.00}. See attatched XXXX   Credit Report " VERIFIED '' by USAA. USAA FRAUDULENTLY CHANGED ACCOUNT NUMBER TO Account. ( 5 ) XXXX Reported Sold Reported Date Closed XX/XX/XXXX Kindly Note credit Limit {$15000.00}. USAA REPORTS INFORMATION CHANGING ACCOUNT NUMBERS??? Kindly Note THIS ( ACCOUNT IS ( 4 ) XXXX ) credit limit {$3000.00} Opened XX/XX/XXXX?? How did the Cancelled Debt Account become a new Fraudulent Account to charge off?? DECEPTIVE UNFAIR FRAUDULENT CREDIT REPORTING
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

1 ). Experian is Reporting two different addresses on my credit report. 

2 ). Experian is Reporting multiple phone numbers that are not mines on my credit report. 


3 ). Experian is reporting a account on file that is not mines
Consumer complaint received 2023-06-26
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please correct and update.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

I received a letter from Chase Bank on XX/XX/XXXX, that state as follow : " After careful consideration, we decided to close your accounts because of your association with a Chase credit card, deposit or investment account that was previously closed. '' 1- I am a Chase customer since XXXX. I have one credit card since XXXX ( Freedom Unlimited credit card ) and other one that I is 7 months old ( Chase Sapphire Preferred ) Also, I have a personal checking account that I recently opened in XX/XX/XXXX. 
2- During the past 12 years as a Chase customer I have never been late in payments, always pay my credit cards on time and the full amount every month.

3- I have a clean credit score of 800+.

4- I have never closed any type of account ( credit, deposit or investment ) with Chase in the past.

5- I went to my nearest Chase branch twice to try to fix this issue and ask them to make a reconsideration looking again on my profile, also called the customer service phone once, with no positive outcome.

6- I ask them if they can explain why they are closing my accounts, but they only said, the decision is final, and Chase will not reconsider my case, and no explanation given because the decision is " confidential ''.

7- I ask to speak with a supervisor and they told me no one can help me with that, because is " confidential '' 8- This unfair decision from Chase will have a big impact on my credit score, because XXXX XXXX is one on my oldest credit account. Also, my revolving credit limit will be less than half of what I currently have.

8- They are going to close all my accounts effective XX/XX/XXXX XXXX
Consumer complaint received 2022-08-05
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. (DC)

XXXX XXXX has closed my checking account due to fraud ; therefore, I did not benefit from the loan deposit. My XXXX XXXX account was compromised and overdrawn due to identity theft. ( Account Ending XXXX ) XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$4500.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$2000.00}. 

I am a victim of identity theft and I never opened these accounts Please see the included FTC Identity Theft Report
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been trying for a year to get my credit report from transunion.they keep saying their information doesn't match mine but wont tell me what so we can fix the problem.online or by phone we cant get past address.but yet they send me notices to MY address saying I have to send proof of address to them.I did this back in XXXX of 2019 but they still claim address doesn't match.cant get anyone to explain whats going on.funny to me XXXX  and XXXX  no problem getting credit reports just transunion.can someone please help me get this resolved.i am trying desparately to get my credit repaired.i am not sending my personal information to them again without knowing they are getting it.any help is greatly appreciated.thank you XXXX XXXX
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 604 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my permission or consent of acknowledgment. 

XXXX XXXX XXXX XXXX XXXX XXXX/account status OPEN/ XXXX $ XXXX XXXX XXXX / Account Status OPEN/- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Service/ Account Status OPEN/ XXXX XXXX XXXX XXXX XXXX Account Status /. OPEN - XXXX XXXX XXXXXXXX XXXX- PAID IN FULL / Account Status Open/ XXXX