davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (GA)

On XX/XX/2021 I paid NCBI a settlement amount of {$1300.00} with a Visa card ending in XXXX after being advised they do not accept XXXX XXXX for the account. I received a confirmation number XXXX for the XXXX payment and was told the account was settled and I would receive a XXXX balance letter. While still on the line with the Supervisor/Manager XXXX XXXX I received notice the payment also went through with XXXX XXXX XXXX She advised to chargeback the XXXX XXXX payment. 
Her contact information is : XXXX XXXX XXXX I did as instructed and completed a chargeback for the double payment. 

On XX/XX/2021 I called in and requested a XXXX balance letter because it had not been received, I spoke with Supervisor XXXX XXXX and was told I would receive it, on XX/XX/2021, I called again and spoke with XXXX XXXX because I had not received the letter and my credit reports had not been updated. On XX/XX/2021, my credit reports updated to reflect that there was a XXXX balance, but I still did not receive the letter. 

On XX/XX/2021 my credit report updated again with a new balance of {$4100.00} and derogatory status. I received a letter dated XX/XX/2021 about the charged back amount and that the balance due was {$4100.00}. 

I called again on XX/XX/2021 and spoke with XXXX XXXX because of this new issue and the fact that I still had not received my XXXX balance letter, she was very apologetic and assured me it would be taken care of within 24-48 hours and I would have my XXXX balance letter and my credit reports would be updated. 

As of today XX/XX/2021, I still have not received my XXXX balance letter and my credit reports are still showing a derogatory balance of {$4100.00}
Consumer complaint received 2022-07-08
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. (AP)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2022-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

This account is inaccurate and an FCRA violation. XXXX XXXX XXXX # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights.Please honor all request of documentation.
Consumer complaint received 2023-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (TX)

I would like a full-review of the process of the home loan with Rocket Mortgage, has let my husband commit a crime. The company has aloud XXXX XXXX XXXX XXXX to get money out of the home loan, State of Texas, if you are married the wife needs to sign off on the loan. At no time did I give my husband or Rocket Mortaage to change the term and condition on the home loan. 
The Mortgage company dis a wire fraud to carry out the scam to impersonate me as the person who was signing off on the loan. 
XXXX XXXX is steal married to XXXX XXXX. Therefore, when the court grant the power that XXXX and XXXX is no longer married then nothing should be done on the account. Rocket Mortgage needs to provide documentation that XXXX XXXX is no longer the rider on the deed. They need to proof that she is no longer married to XXXX XXXX XXXX. 
If they can not provide this documentation that we have a right to take legal actions against the company Mortgage wire fraud is carried out by scammers who impersonate escrow officers, real estate agents or the lender. In this scheme, they attempt to get the prospective homeowner to wire funds into an illegitimate account for financial gain during the closing process. These sophisticated mortgage scams often include crime organizations and untraceable but this time the company was helping to scam XXXX XXXX
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (MO)

On XX/XX/2022 an unauthorized transaction was charged to my account. I filed a dispute, and within hours Chime denied my dispute stating they see no error in the transaction. I requested documentation they used to determine their decision. They sent me screenshots of questions I answered regarding my dispute, but nothing showing what information confirmed I made the purchase. I requested to reopen my case. Chime stated I would need different back up to reopen my case. I reached out to the merchant, XXXX, and explained my situation. They confirmed with me that they showed no purchases made by me, and that Chime has not reached out to them. They provided me with a case number and advised me to give it to Chime so they can confirm I did not authorize any transactions. I gave the information to Chime and within hours they rejected my dispute claiming I did not provide different back up to support my claim. I reached out to Chime via phone and was told the same thing. The information I provided was not different and they would not continue forward with my dispute. I asked why no one at Chime is reaching out to XXXX. I explained that I'd spoken to them, and they confirmed it's an unauthorized transaction, and that they're waiting for Chime to reach out to them so they can provide Chime with this information. I was told all he could do was add these details to the notes on my account because I have not provided Chime with different back up for my dispute. I reached back out to XXXX. They again stated no one from Chime has contacted them. I received transcript stating no purchases by me show in their system. I reached out again and received transcript verifying the exact dollar amount and that nothing for that amount has ever been made by my. I gave this information to Chime and within a few hours they again denied my dispute. And stated I did not provide any different information. I called again and asked to speak to whoever handles disputes. I was told I can't speak to them because they are only reachable by email. I asked Chime to please reach out to XXXX so they can confirm the charge was not authorized by me but they continue to close my case without researching the transaction.
Consumer complaint received 2022-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

there is unathorized inqueries on my report. i have had a fraud alert on my report for 2 years and have not ran my credit at all! please remove any of these inqueries from my experian, XXXX  & XXXX  and i did not authorize and have no knowledge of this! 

XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-07-08
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)

I, XXXX XXXX XXXX, first contacted XXXXXXXX XXXX approximately on or about XXXX XXXXPrior about an error on my credit report regarding an Auto loan. Despite repeated attempts, I have been unable to get them to rectify the situation. As a result, my credit score has been adversely affected. I did not give XXXX XXXX permission to run a credit check. I have not authorized this organization to access my credit report. This is a definite violation of my privacy rights. 

Additionally, I do not have an account with XXXX XXXX. XXXX alleged that I owe ( {$8400.00} ) That account does not belong to me. XXXX XXXX 's failure to provide original documents of the agreement in question has called the validity of the agreement into questionable. I tried to dispute it with ALL three credit bureaus, but I wasn't successful. This caused many delays towards my future endeavors regarding the future of my credit score. 

Three Credit Bureaus : XXXX XXXX XXXX ( Letter was sent three times ) No results XXXX XXXX XXXX ( Letter was sent three times ) No results Experian ( Letter was sent three times ) No results Collection of Debt XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

Issue is with Equifax Credit Bureau reporting inaccurate and unverified information on my credit report. They are reporting an inaccurate past due on all accounts totaling {$83000.00} as well as inaccurate payment history of 72 % when it should be paid 100 % due to inaccurate data from XXXX XXXX XXXX. I reached out to both Equifax on XX/XX/XXXX and XXXX XXXX XXXX XXXX via certified mails on ( XX/XX/XXXX ) tracking numbers ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX ) about the inaccurate reporting that should be classified under 15 USC 1666b as a billing error on their part because their inaccuracy is unverified. Equifax is illegally furnishing unverified data to say I was late XXXX times with no verification on their part nor from XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (MS)

I have sent LVNV FUNDING LLC a cease and desist and asked for validation of the alleged debt. Instead they did not comply with what I asked for in reference to validation of the alleged debt ; nor did they comply with the demands of stop negatively reporting to Credit Bureaus and XXXX me the consumer XXXX, XXXX, and XXXX. I have not been able to get extensions on credit due to the negative reporting. The company also tried to sue without proper notification and signature.
Consumer complaint received 2022-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2022-07-08
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. (VA)

This unconfirmed account listed below continues to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the Equifax and XXXX Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-12-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (GA)

My account at BMO Alto was frozen on XXXX XX/XX/year> for alleged fraud. I recently transferred money between my account at BMO Alto and another account that I own at XXXX XXXX XXXX XXXX. My account at XXXX XXXX XXXX XXXX is the account that I originally funded my BMO account with and has already been verified by BMO Alto. BMO Alto demanded that I provide them with financial statements from my account at XXXX XXXX XXXX XXXX along with a photo of my ID to prove this account belongs to me and verify funding. I currently can not access either of my accounts at BMO. These XXXX accounts add up to over {$150000.00}. BMO Alto is withholding my money from me and attempting to force me to provide personal documents from other financial institutions.
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 — Account information incorrect
Company: EQUIFAX, INC. (CO)

Equifax ; XXXX and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX XXXX - XXXX ; XXXX  XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX XXXX - XXXX ; XXXX - XXXX ; US DEPT ED - XXXX ; XXXX XXXX XXXX - XXXX ; XXXX XXXX XXXX XXXX ; and XXXX XXXX  - XXXX XXXX These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2022-07-08
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. (MD)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-01-05
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: EQUIFAX, INC. (GA)

Hello, my name is XXXX XXXX & I'm a victim of identity theft. I want the accounts & inquiries that I did not authorize to be deleted from my credit report immediately. I have reported the theft of my identity to the federal trade commission. I have enclosed copies of everything. Please delete the accounts & inquiries immediately, please!
Consumer complaint received 2022-06-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (GA)

Pursuant to

18 usc 8 The United States is responsible for all debt. 18 usc 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
( XXXX XXXX XXXX, ch. 645, 62 Stat. 685. ) There is not law that states I have to pay a debt.
Consumer complaint received 2022-07-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIRST CITIZENS BANCSHARES, INC. (MT)

XX/XX/XXXX thru XX/XX/2022 ; I spent time applying for a personal line of credit. I applied by email. The representative never applied my information towards the proper process. It appears that he never applied for the personal line of credit. 
I was never given disclosures, nor did I sign any documents in reference to applying. I was not given anything official. I do not know what they were really doing with my information. I was asked to provide information on my start up company although I was not applying for a business line. 

The bank ran my business credit ; However, I still do not know what they were doing. 
I contacted the bank several times and spoke to different people XXXX of whom asked me questions that were completely irrelevant to the personal line of credit. She was just gathering irrelevant information I questioned the representative on why she needed that information. I was disregarded. XXXX XXXX has decided to disregarded me entirely. 

They refuse to provide me with a denial letter or reason for anything or any actual documentation for anything.
Consumer complaint received 2022-07-08
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX  XXXX Balance : {$35.00} XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$47.00} XXXX XXXX Balance : {$70.00XXXX XXXX XXXX Balance : {$70.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$320.00} XXXX XXXX XXXX  XXXX Balance : {$300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$9100.00}
Consumer complaint received 2022-07-08
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. (CA)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please withdraw the following items in my file : o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX date XX/XX/2022 o XXXX XXXX Inquiry XX/XX/2022 o XXXX Inquiry Date XX/XX/2022 o XXXX XXXX Inquiry Date XX/XX/2022 o XXXX XXXX Inquiry Date XX/XX/2022