davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
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: ERC (CA)

I, XXXX XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with Those reporting agencies./// These company ( XXXX XXXX XXXX, XXXX XXXX XXXX, ENHANCED RECOVERY COMPANY ) willfully violating the FCRA. Without my direct written consent these reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may NOT furnish negative information to my consumer credit report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n
Consumer complaint received 2021-09-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc (CA)

I bank with chime and they have a referral program that if you refer a friend you and them receive {$100.00} dollars. I sent my friend a link from the bank app on XX/XX/XXXX than me and my friend sat down together and I helped him set up his account from the link I helped him set up his direct deposit from the VA. His account was set up and he received a direct deposit of over {$600.00} in his account on XXXX XXXX we waited for a few weeks and never got the bonus so we called they said he did not sign up using the link that was sent to his phone even though I sat with him and made sure we clicked the link because I had already had that happen before. and I tried getting them to fix it but they said because on their end it did not show he had signed up through my link we don't get the sign on bonus. the bonus was the big reason he was even signing on for the bank. they made it seem in the emails that I received he did use it but did not get a deposit of {$200.00} or more direct deposit or more in the account in 45 day. and then when I said he did they changed it to He didn't Use the link. and when I tried to talk to someone at the escalation team they told me to call a number and when I do they tell me they will send my info to the escalation team and it is just a circle that does not fix the problem. also when I wanted to get employee info so I could reference everyone I was talking to one of the managers would not give me her Employee number so I couldn't reference her showing who was not the one dealing with the problem.
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

To Whom Concerned : I've tried to correct a bogus address on my FICO credit score numerous times thru the XXXX XXXX XXXX agency reporting system. They consistently state I need to contact some lender however never state who nor do I know the origination of how the address became attached to my account. I've lived at the same address for over 40 years however they wont get off the dead XXXX 's and help correct the problem. I believe they have an out right obligation by law to do so as quickly as possible with out hesitation however they fail too react until I complain to the FTC as I have before regarding inaccuracies. Please help me get the message across when a consumer identifies an issue its their obligation not mine to correct it. I look forward to your prompt return response and full resolution regarding this issue. I'm also requesting to be provided my free full and accurate annual credit reporting score. 
Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (OH)

Attached you will find screenshots of 15usc1681a I need all inquiries deleted permanently from my reports as well as any closed accounts and information that is not updated on all XXXX bureaus the same way This includes XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXk XXXX And any other information that goes against the consumer me
Consumer complaint received 2020-05-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

Why do credit bureaus continue to try to get more credit cards. They continually tell me to apply for this card or that card. I have 4 only one has a balance of XXXX on it but its zero percent for 14 most and I will pay it off before then. Experian told me to apply for XXXX card which had a good bonus so I did and they immediately turned me down. Then they tell me to apply for XXXX XXXX I did turned because I already have a XXXX XXXX. Well this is 2 inquiries that shouldnt effect me. Also I had a regions s account that I closed and paid in full in 2014. I wrote regions and I have tried to dispute several times. I was laid off going through a rough time during that period. Since then I have worked hard to restore my credit. I always pay Bill 's on time if I am making money. Also cell phone inquiries should not be hard inquiries. If u shop around their gon na pull score and that is at least 2 of my inquiries. I'm XXXX years old And I had great credit till divorced at one time over 800 score but when I didnt charge or by anything for 10 years score dropped to XXXX and I thought when you get old get out of debt. Anyways today 's experian score is XXXX well a couple a months ago I had as high as XXXX and now its dropped 50 points and not one late payment or a reason besides inquiries. Thank you in advance for listening and please follow up with me if u are able to help. Thanks XXXX XXXX. My email is XXXX.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2021-04-09
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. (GA)

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.
Consumer complaint received 2020-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (VA)

This is my second complaint regarding this company. When I checked my credit report and saw I have a collections account from Bull City Financial Solutions. I sent this agency a letter on XX/XX/19 and again on XX/XX/19 asking they validate the debt. The agency has not replied to any of my letters but yet continue to report the account to the credit bureaus as negative. I filed a complaint on XX/XX/19 regarding this issue and the company responded on XX/XX/19 stating they sent me validation. That is far from the truth. This agency has NEVER sent me anything. I have reached out to them numerous of time to validate the debt but with no success.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANSUNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, OHIO XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1XXXX XXXXXXXX XXXX 2XXXXXXXX XXXX XXXX XXXX 3.XXXX XXXX  XXXX 4.US DEPT OF ED/XXXX XXXXXXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Consumer complaint received 2020-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (MD)

Was depositing my cash In the amount of {$320.00} at the atm in XXXX atm. the the atm short down and took my money. I call and informed the bank about what happened. they said they were going to investigate. they later credited me {$60.00}. they said the day that took my information said that I said I deposited 3 {$20.00} dollar bills. I called then again to have it fix but they did nothing
Consumer complaint received 2020-07-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JTM Capital Management, LLC (AL)

I have submitted several request to have the debt with XXXX XXXX XXXX validated as mine, I have written this company on 3 or more occasions with one being more than 4 more ago with no response. The first letter was written on XX/XX/2020 with no response mailed another letter on XX/XX/2020 no response and I have recently mailed a 3rd letter on XX/XX/2020 there has been no communication from them in regards to this matter, this credit entry on my credit file is making it hard for me to obtain credit at a reasonable rate and if they can not verify the debt it should be removed from my credit file.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute in regards to the unauthorized inquiries on my credit report. It has been well over 30 days and the investigation has not been completed. 

Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-07-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: MARINER FINANCE, LLC (FL)

On XX/XX/2020 I settled an old debt that was through Marnier Finance, LLC. and XXXX XXXX XXXX  was the collection agency handling this debt ; in other words I came to a settlement agreement with XXXX/XXXX  Law and paid the debt in full and was told by Mariner Finance 's local office before I paid the debt that they would release the title as SOON as I gave them the confirmation of debt paid in full. I received my paid in full letter from XXXX XXXX on XX/XX/2020. I contacted Mariner Finance in XXXX, Fl where the original loan took place as I need the title to my vehicle released through the FL DMV as it is imperative I get rid of my truck as I am on XXXX and have an urgent need to do this right away. They gave me XXXX XXXX 's number as was told she was in charge of recovery for Mariner Finance. I was able to contact XXXX the same day. She told me she had not " received '' notification from XXXX XXXX ( she looked up my account ) and that even if she did it would take her thirty days to " process '' the information. She was very short and rude. I did not argue with her and proceeded to file a complaint with the corporate office. However, I was repeatedly disconnected or was on hold over an hour with no one answering. I finally was able to contact someone days later and was told a manager would call me back within 24 hours. I never received a call and have been unsuccessful getting anyone on the phone again. I attempted to contact XXXX XXXX again the first week of XXXX via email and phone ( I have also sent her numerous emails after our initial conversation on XX/XX/XXXX in order to keep a paper trail ). She never responded to me. I also left her a few voice mails. I filed a complaint with the XXXX  XX/XX/2020. The response from the company, Mariner, was received XX/XX/2020. It was a generic letter stating that my debt was transferred to XXXX and I need to contact them. Um, XXXX XXXX are the same, and this is part of my rebuttal that I sent back through the XXXX  ( which I have attached ). I am getting no where with this company and as you can see they don't even research my file when they are contacted by the XXXX. They are illegally retaining the title to my vehicle. I can't continue to wait for a resolution as I feel there is not going to be a resolution since I can't even get in touch with anyone. Please help me. Thank you.
Consumer complaint received 2020-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IN)

During the time period of XXXX, I was laid-off due to COVID affecting my employer 's business of operation. My Chase Checking Account that was receiving my unemployment insurance was frozen on XX/XX/XXXX placing myself in a hardship as this was my main checking account for daily use. Today is XX/XX/XXXX and I have a remaining balance of {$10000.00} that has not been returned from JPMorgan Chase. At the closure of my account on XX/XX/XXXX approximately + {$18000.00} was frozen and approximately {$8000.00} has been returned. Throughout this process, I have not received any formal notification why my account was frozen, that it was frozen, nor am I aware if anyone is actively looking into this manner despite requesting the submission of multiple compliments. 

Chase has requested proof that I am entitled to these funds and I've forwarded this information to JP Morgan Chase on XX/XX/XXXX and XXXX. On a daily basis, I have been contacting Chase for a status on the remaining balance only to be told to continue calling as there is no update. Chase employees has informed myself the funds were pending an investigation with the state of Indiana in regards to my unemployment insurance. Upon speaking to the state of Indiana unemployment department they stated they do not freeze bank accounts and to speak to my bank ( JP Morgan Chase ). It is XX/XX/XXXX and I have no status on the remaining release of my funds ( {$10000.00} ). 

Your assistance in this manner will be greatly appreciated.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX has now falsely reported my XX/XX/2020 payment as 30 days late. This is the third adverse retaliatory action taken against me since I attempted to exercise my rights under The Fair Credit Reporting Act ( FCRA ) by disputing XXXX 's handling of my XX/XX/2020 payment. Currently, the 3 negligent acts taken against me include : reporting my XX/XX/2020 payment as 30 days late, reporting my XX/XX/2020 payment as 30 days late, and inflating my principal balance back up to {$48000.00}. I will gladly attach bank statements showing my cleared checks to XXXX and credit reports showing the above facts. XXXX 's actions are clearly a willful violation of Federal Law. 

While the reality was that XXXX was sending these false reports ( e.g. 30 days late XXXX, and 30 days late XXXX ) to the credit bureaus, XXXX would write me letters hinting that they were investigating my account history as evidenced by the following quotes in a XXXX letter : our records show that the XXXX XXXX XXXX XXXX Department originally received an inquiry from you on XX/XX/2020, XX/XX/2020 and XX/XX/2020 ... 
Moreover, the XXXX XXXX XXXX Department received the following Automated Credit Dispute Verifications ( ACDV ) from you : ( 1 ) on XX/XX/2020 from XXXX ( 2 ) on XX/XX/2020 from Experian ( 3 ) on XX/XX/2020 from XXXX ( 4 ) on XX/XX/2020 from Experian ( 5 ) on XX/XX/2020 from Experian ( 6 ) on XX/XX/2020 from XXXX ( 7 ) on XX/XX/2020 from Experian ( 8 ) on XX/XX/2020 from XXXX and ( 9 ) on XX/XX/2020 from Experian.. 


XXXX XXXX attempts to hint that they were diligently and accurately attempting to correct any innocuous glitches with my credit report, yet I contend they were actually creating more problems ( e.g. false claim of late XXXX payment, false claim of late XXXX payment, and inflated principal balance back up to {$48000.00} ).
Consumer complaint received 2022-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I had a XXXX XXXX account. They marked me late on the last month of my loan. I asked for an accurate credit report. I still found inaccuracies when I pulled my report. 


In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 602 A. Section 2 : It also a customer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XXXX XXXX  will not remove the dispute Im requesting.. Ive already contacted them and explain that the auto loan was fraudulent put in my name by a family voluntarily turn it in ... Im so hurt because now my credit is destroyed from a auto loan I wasnt responsible for myself
Consumer complaint received 2020-05-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I became deliquent with my mortgage in XXXX and was unable to qualify for a modification. In researching I discovered that XXXX XXXX had a program for a partial reinstatement payment for properties in foreclosure. I requested this program from XXXX XXXX but was told that no such program existed, although I sent them XXXX XXXX documentation for this program. I reached out to XXXX XXXX and requested that they intervene, which they did. XXXX XXXX ( Case # XXXX ) had them place the foreclosure on hold while a partial reinstatment plan was established. The plan was to include a lump sum payment, by me, to bring the past due balance down to a manageable monthly payment. During this time I received a letter from XXXX XXXX that the loan had been transferred. When I called and spoke to XXXX XXXX of XXXX XXXX I was told that it had not been transferred and I would be receiving a letter. I received correspodence from XXXX XXXX on XX/XX/XXXX stating that the partial reinstatement plan was in review. However, the loan had been transferred to Select Portfolio Servicing and took effect on XXXX. I went through another loss mitigation application process with SPS which was denied. I appealed and in my appeal I requested the partial reinstatement plan and furthermore provided them with documentation from XXXX XXXX. I also expressed that I had been working with XXXX XXXX on a partial reinstatement plan. It is my understanding that when a loan is transferred to a new servicer, the new servicer is to consider the workout plan between the borrower and the previous servicer. SPS has not given me that opportunity. At this point they are only giving me the option to fully reinstate although XXXX XXXX has a program for my situation.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STERLING JEWELERS, INC. (MN)

I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. 

In accordance with section 605 B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you Permanently Block business records relating to the fraudulent accounts and identifying information identified above from appearing on my credit report.