davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-06
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. (AZ)

I discovered an unpaid collection of {$1200.00} on my Experian credit report. I proceeded to call the collections company listed on the credit report, XXXX XXXX ( account # XXXX ) they were of no help. I called the original creditor XXXX XXXX XXXX and discovered they had my incorrect address, date of birth and phone number. They were billing me for services rendered during an XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX. Since they had the incorrect information form the hospital, they never billed insurance. When I called in XX/XX/XXXX, they proceeded to try and bill the insurance with the correct information that I gave them. At this time, they still refused to remove the account from collections. I have continued to contact XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX to get this matter removed from my credit report. I have disputed this situation with Experian ( 3 ) separate times. The last denial to remove this from my credit report dated XX/XX/XXXX came after I sent a letter attachment with the dispute from XXXX XXXX dated XX/XX/XXXX. In the letter they state that they have removed my account from collections and it should not be on reported any longer with any of the credit bureaus. Experian once again denied the dispute and has left this on my credit report. This situation has now gone on since XX/XX/XXXX and has affected my credit. In addition, XXXX XXXX XXXX sent me to collections with XXXX for {$7300.00}. I recieved this letter notice on XX/XX/XXXX. I have also sent a letter to this agency and XXXX XXXX XXXX XXXX requesting that the amount due should be removed. My insurance has covered cost for services rendered during this XX/XX/XXXX visit to their emergency room. This billing nightmare all started with XXXX XXXX XXXX XXXX sending a bill to me personally for {$17000.00} on XX/XX/XXXX. If XXXX XXXX had properly billed my insurance in the beginning, I believe this would not have become such a difficult process. It has been a time consuming and frustrating experience with all companies involved. XXXX has been the company to work with me to resolve this billing mess. Dealing with XXXX and XXXX are the last of the issues, I hope. I can not seem to get these accounts corrected working with any of these companies involved : Experian, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX frustrated that Experian will automatically assume that the side of the collections agency. This situation is a good example of mis information communicated and not resolved in an effective timely manner.
Consumer complaint received 2023-02-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-09-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

Asked for the Method of verification on the negative accounts XX/XX/XXXX. I needed names of people they talked to, phone numbers, a description of the procedures they used to verify the accounts any type of paperwork sent to them to verify the accounts being correct. They sent a copy of a credit report dated XX/XX/XXXX report # XXXX and XX/XX/XXXX report # XXXX for the Method of verification. They did not do an investigation of the disputes. I have sent previous disputes by mail to the company with factual disputes and all i get back is unchanged from possessing the dispute. The date of status has not changed even though they processed my disputes just last month. Theses Accounts do not meet FCRA requirements. They have inaccurate dates and incomplete payment history as well as inaccurate account numbers, date of status dosent change when disputed, some 2 3 and 4 years, accounts transferred or sold to another company and still reporting a balance and or a past due.
Consumer complaint received 2020-09-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Back in XX/XX/2020. A collection showed up on my credit reports for an XXXX returned check. I was contacted by the collection agency after I filed a complaint on your website. They alerted the credit bureaus to remove the collections. XXXX  did immediately. XXXX  did after I complained again and as of XX/XX/XXXX, it was still listed on Equifax credit report. So I sent Equifax a copy of the letter from the collection agency and yet still today XX/XX/XXXX, that collection is still listed on my report. I want this removed immediately.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX Bankruptcy XXXX XXXX  Date Filed : XX/XX/2021 XXXX
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (CA)

I have been trying to get my money back from chime bank for XXXX a month and a 1/2 probably period there was a guitar sold on a platform called XXXX XXXX XXXX XXXX account was under my ex 's name XXXX XXXX. He was trying to send me the money that he owed me for the guitar and had to sync to my bank account which he added to his XXXX account period chi 'm sent the money back to XXXX because the names didn't match period when I contacted XXXX for my money they said they didn't see it and that they sent it to chime I contacted chime they told me they sent it back to the distributor and now there's been a dispute about where the money is and I can't seem to find the money anywhere nobody will give me a resolution nobody will tell me what happened to the money period I have contacted I've contacted chime several times I opened a dispute they ended up closing the dispute a day later without even contacting me even though they said they tried to contact me I never got a phone call or anything. I called them I was on the phone for over an hour spoke to 5 or 6 representatives none of them can give me an answer they just kept transferring me over and Over. I've asked them several times to please give me a statement reflecting that they had the money sent to my account and then they sent it back to XXXX they will not give me a statement they won't give me any answers they said I can't dispute it because it was sent direct deposit by my employer which it's not my employer that sent me the money I have stated to them over and over what happened and they are sending me in circles and leaving me on hold transfer me to 1 person to another they won't get a supervisor on the phone I can't get any answers and my bank statement does not reflect that they sent the money to me.
Consumer complaint received 2020-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I purchased a XXXX XXXX with XXXX XXXX. The pass was suppose to allow me to attend 3 races in XXXX. I used the pass to sign up for 3 races in XXXX in West Virginia. The XXXX XXXX company made the decision to cancel all their XXXX events as of XXXX. 

I have asked XXXX to refund me and they refuse to, saying they have a No Refund Policy. That policy makes sense if " I '' were to cancel or not able to attend, but they are canceling, thus no offering the service i paid for. 

After no resolution with them, I asked Wells Fargo to assist me with a dispute for Not Receiving the Service. Based on how quickly they closed the case, they didn't even seem to try to help me.

I do not understand how I am suppose to settle for " credit '' for XXXX, even though there is no guarantee that events will be allowed.
Consumer complaint received 2020-09-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Equifax is continuously reporting inaccurate and fraudulent information on my credit file. I have called on numerous occasions and sent letters that requested debt validation to confirm debt and Equifax has failed to do so. If and when Equifax respond they state verified without sending validation as I requested. Documentation is needed to verify debts contacts etc. I have no contracts with any of the said companies below and never have. I demand Equifax to remove immediately since they can not validate with documentation. Not to mention Texas has a 4 yr statue limitation and these accounts are well over 4 yrs old and need to be deleted indefinitely!! Below is how its showing on my credit file!! Equifax is violating FDCPA as I reported to them as well. Ive requested debt validation in writing for months and have yet to receive validation!! Its been over 90 days Equifax has yet to respond!! Equifax is reporting these accounts as charge-offs and collections this is against the law. 

XXXX XXXX XXXX XXXX # XXXX Last reported XXXX. {$960.00} Balance Charge-off ( closed ) Date opened XXXX Last Payment XXXX. 4 yr statue limitations in Texas delete indefinitely XXXX XXXX XXXX # XXXX Last reported XXXX {$0.00} balance Date opened XXXX Last payment XXXX Closed/Transferred/Charge-off 7 yrs old 4 yr statue limitation in Texas delete indefinitely XXXX   XXXX # XXXX Last reported XXXX Closed {$880.00} balance charge-off/collection Opened XXXX No date of last payment Past Due {$1500.00} 4 yr statue limitation in Texas delete indefinitely XXXX No account number listed Last reported XXXX Its reporting for both the collection agency and original creditor. Status Open XXXX No last payment reported Balance {$11000.00} Showing 3 yr 5 months old Account was deleted XXXX due to being unable to validate in writing and was reinserted in my credit file without my knowledge. Ive attached the documents from XXXX as you can see its not me. Not my name address phone number ID or social delete immediately and indefinitely!! Ive also attached report from XX/XX/XXXX when I disputed said fraudulent account and Equifax claimed it wasnt on my credit file reporting and it was reporting!!
Consumer complaint received 2020-09-05
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. (NV)

I filed a dispute letter with the credit reporting agencies in regards to inaccurate items reporting on my credit report. I never received notifications in regards to the investigation. It has now been over 30 days and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and my 30 day letter to comply was sent on XX/XX/2020.
Consumer complaint received 2022-07-18
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account number # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-09-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NV)

This complaint is regarding Amerisave non-compliance with supplying accurate Closing Disclosure documents in a timely manner for loan.My husband and I were scheduled to close on the re-fi of our home on XX/XX/XXXX at XXXX. We did not receive corrected documents until XX/XX/XXXX at XXXX. Amerisave dropped the ball and were remiss in fulfilling their responsibility of delivery of Closing Disclosures in the prescribed timeline to stay in compliance. 
I applied for the loan on line on XX/XX/2020 and spoke with XXXX XXXX NMLS # XXXX. I noted and explained to XXXX XXXX at that time that we DO NOT escrow our Homeowners Insurance premium. XXXX XXXX assured me, at that time, that it would be removed, and adjustments made accordingly in all future documents. 
Numerous emails, voice mails, and text messages were exchanged with the assurance that the correction would be made in a timely manner. The correction was finally made at XXXX XXXX  the day before closing as noted above. Well outside of the compliance time frame of 3 days. 
Other parties involved directly with this complaint : XXXX XXXX NMLS ID # XXXX and XXXX XXXX AVP - Mortgage Sales Manager NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX ( XXXX XXXX manager )
Consumer complaint received 2020-09-05
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. (WI)

I am in the process of refinancing my home. In Mid XX/XX/XXXX I started the process and my " free on line credit scores '' showed me between 640 and 670. When the two lenders ran my score it came back 599 to 604. I called XXXX and after many incorrect answers I was told that my " credit risk '' score is what lenders use and that my XXXX score, which they give to me on line is " a close approximation '' of the risk score. On XX/XX/XXXX XXXX reported a score of XXXX. I called them and they sent me my report dated XX/XX/XXXX which shows a score of XXXX. 

I have yet to find a way to get my " risk score '' online. I think the three bureaus thould provide all of my scores upon request..
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldridge PIte Haan, LLP (GA)

I had an auto loan through XXXX XXXX which became delinquent. I paid off the debt after repossession through their lawyer Aldridge Pite Haan. They reported to XXXX  and XXXX that the balance was XXXX. However for some reason they reported to XXXX  that I have a remaining balance in the thousands so I disputed it. They " verify '' that the amount is correct and now they sent that same thing to all 3 bureaus and dropped my credit which is now directly effecting my finances. I have paperwork from them which states the debt was settled in FULL.
Consumer complaint received 2020-09-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC (MD)

XX/XX/XXXX - I asked JFQ not to start my loan process on XX/XX/XXXX after he gave an origination cost of 3.5 % point and a high loan closing cost on XX/XX/XXXX while other bankers quoted me of a 1 % - 2 % of origination cost. 

XX/XX/XXXX - I sent him another email to reassure that the origination cost he quoted was too high and not to process my loan. 

XX/XX/XXXX - ignoring all my requests, JFQ sent me an email that " your loan is now underwriting ' in email. I responded to the email " how? '' I did not authorize the process and I did not put down the downpayment for the appraisal. 

XX/XX/XXXX -- I did not hear from him so I sent him an email again not to process mine on XX/XX/XXXX. But he keeps moving with my loan process ignoring me even though I did not make the downpayment for the process for the appraisal. Because of JFQ 's unauthorized process, XXXX can't process my loan. 

XX/XX/XXXX - JFQ continually ignored me and processed my loan. They sent me another email that " I was conditionally approved '. 

XX/XX/XXXX - JFQ asked me appraisal payment. I sent an email again to stop. 

XX/XX/XXXX - XXXX XXXX reported me that they can't process my loan because of JFQ is in the process of my refinancing loan and requested my title. 

XX/XX/XXXX -- I contacted XXXX XXXX at JFQ again to stop using my info for the unauthorized my mortgage process and to remove my info completely from JFQ 's database. He replied with the following manner. XXXX XXXX : I've withdrawn your loan earlier this week. When did XXXX come in the picture? Lol I thought you were moving forward with the other no name bank? '' XX/XX/XXXX - JFQ contacted my company for employment verification. 

XX/XX/XXXX - JFQ sent me another email again and requested an appraisal payment. 

XX/XX/XXXX - XXXX XXXX reported me again that they were not able to process my loan because JFQ is processing my loan. 

XX/XX/XXXX - Again, I sent an email to JFQ to stop blocking XXXX XXXX 's my refinancing process. 

XX/XX/XXXX - JFQ urged an appraisal payment again. 

XX/XX/XXXX - JFQ assured me they are removing my info from their database. 

XX/XX/XXXX - XXXX XXXX reported me again that they are not able to process my loan due to JFQ processing my loan. 

JFQ committed serious violations of multiple occasions. XXXX XXXX XXXX
Consumer complaint received 2020-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX my husband and I went to chase branch to open a joint account. The woman that helped us had no problem opening our account and we deposited two checks into our new account for a total of {$690.00} and {$530.00}. 
Our account was closed on Monday XX/XX/2020 I have yet to receive a notice that my account is being closed and the only reason I know is because the app restricted my access. When I called Chase countless time for answers everyone was incredibly rude! No one told me when I would receive my check, why my account is closed, and what is happening? I was told I would receive my money back in 7-would days! Its been more than that my family and I are missing over {$1000.00} chase was incredibly rude and all I want now is my money back!