davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP (NJ)

The issue may get resolved sooner if an experienced professional addresses the issues at hand before this matter goes to criminal court. I am not requesting the cancelled mortgage that was not satisfied and simply cancelled without proof of payment. As you know there is no discharge recorded and the title insurance and the deed are for different locations. THE MORTGAGE FILE INFORMATION IS FOR XXXX XXXX XXXX NOT XXXX XXXX XXXX. Records show that the survey and the mortgage were not filed, PLEASE SEE THE ATTACHMENT the mortgage was filed for an NON EXISTENT address XXXX XXXX XXXX. Please look at the attachment. on XX/XX/XXXX about 9 months before the NJ LENDERS REFINANCE the MIN XXXX with XXXX XXXX  XXXX XXXX. XXXX N.J. ( XXXX ) XXXX was generated and the MIN XXXX with XXXX XXXX XXXX XXXX DE XXXX XXXX ) XXXX was generated on XX/XX/XXXX BOTH OF THE MINS ARE FOR XXXX XXXX XXXX AND NOT XXXX XXXX XXXX. The LOT & Block were changed before the sellers closed with power of attorney and the title insurance is NOT for the subject property. There are far to many issue 's here that are typically associated with fraud for NJ LENDERS not to show proof of payment to XXXX XXXX XXXX XXXX. The mortgage has been assigned and bounced around all over the place dose NJ LENDERS have the record of the sale of the mortgage to XXXX XXXX?
Consumer complaint received 2017-11-02
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: EQUIFAX, INC. (GA)

I filed a complaint against Equifax less than 36 hours ago with you the C.F.P.B. and my credit score dropped XXXX points. 
Nothing on my report has changed, yet my score dropped XXXX points. 

I say nothing has changed or happened except the complaint I made against Equifax which is true but in all fairness this happens all the time. 

By this happens all the time, I mean my score drops all the time by XXXX to XXXX points without any explanation as to why. 

Not a big deal unless you 've spent the last 8 years trying to get your score fixed like I have and these little score hits happen every month. 

XXXX points each month equal up to be XXXX points each year! 
It would make more sense if I did n't pay them each month for the ability for me to check my score daily if I want to, but I do pay them for this lousy service and have. 
I 've had this monthly subscription with Equifax since XXXX. 
paid them {$20.00} each month, {$240.00} each year and over {$1000.00} since XXXX ( give or take a few months )
Consumer complaint received 2017-11-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio Recovery Associates has claimed I owe three different debts that their company owns. This account was disputed the first time with XXXX, XXXX, and XXXX on XXXX XXXX, XXXX. I received correspondence from Portfolio Recovery Associates in the form of a statement. I clearly asked for VALIDATION and it was not validated at all. I sent a second XXXX XXXX, XXXX round of disputes to all three credit bureaus again asking for validation ; I, again, received a old statement from Portfolio Recovery Associates. I disputed a third time on XXXX XXXX, XXXX and I received the same old statement that I received the first and second time. I recently was turned down for a mortgage because of it. I am due to welcome in a XXXX XXXX XXXX very soon and this has greatly depressed me. Please investigate this matter for me. I thank you for your time.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I obtained a copy of my credit report and noticed that the reporting companies where miss reporting information on my reports. I've reached out to them to correct these issues and have been told that they are not removing them. Examples listed below. this self-account ( XXXX ) is being reported as open by, XXXX, XXXX XXXX but closed by Transunion. and the balance is different by each one. This account ( XXXX ) is being reported with misreported account balance information, by Transunion XXXX XXXX XXXX XXXX XXXX also being reported with misreported account active dates. by all three, XXXX, Transunion, XXXX. This account ( XXXX ) is being reported with in correct information on the balances., by XXXX and XXXX. This account ( XXXX ) is being reported with in correct information on the last active dates., by Transunion, XXXX, and XXXX. As well as XXXX reporting different balances. This account ( XXXX ) is being reported with inaccurate information on the last active dates by, Transunion XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2017-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

FromXX/XX/XXXX To XX/XX/XXXX I wasXX/XX/XXXX in XXXX XXXX XXXX California. All charges/purchases/withdrawals/activity on my debit cards and my credit cards. Including my Kohls credit card. I did n't make my first purchase untilXX/XX/XXXX I did not spend nor authorize Anyone to have control over my cards while I was in the XXXX XXXX XXXX
Consumer complaint received 2023-03-04
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

Today XX/XX/20 my account randomly closed with Chime Bank, I have money in my savings as well as my checking account. I was told to contact Chime Support through email to find out what happened, Im currently waiting for a returned email. As I XX/XX/XXXX reviews on Chime I noticed that there were multiple recent complaints with this same problem a lot of the complaints stated that they have not received their funds back. Today I am Reaching out to you all for help I work hard for my Money I cant afford to live without my funds I have a family, I have bills, I need help.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NY)

I have had an account with chime for years. I have used strictly for personal transactions, direct deposits from work, and day to day banking. 

On XX/XX/XXXX I was told my account would be closed but was given no information or reason. I suspect it is due to a recent dispute I initiated. I dont believe this is a violation of any type. I believe my financial institution should be able to advocate for me in instances where I have been wrongly charged, not refunded, or did not receive a service or item I purchased. 

I reached out to ask for a reason for the closure and to inform them that my dispute has not been resolved and I would appreciate a resolution before any account closure. I received no response. 

I think my account was wrongfully closed and Chime has been unable to point out any policy violations I committed.
Consumer complaint received 2023-03-07
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. (GA)

It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. This is my 2nd attempt to inform that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I previously asked to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies of proof of verification if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have failed to send me copies of documents I asked from them. I also sent dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and request that the Credit reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (DE)

At this point I have {$150.00} rewards on my credit card. When I tried to redeem {$100.00} for XXXX gift card by phone ( XXXX ) the operator with heavy foreign accent told me that she could not redeem but I have to call another number although it is this number indicated to redeem. When I tried to access my account on line I could not do it for no apparent reason. I was blocked access. I need to redeem {$100.00} for XXXX gift card but apparently there is no service Citi Bank provides to to do that.
Consumer complaint received 2017-11-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Company (PA)

XX/XX/XXXXI contacted XXXX XXXX XXXX concerning six accounts reported to the credit agencies without being submitted for remaining payment to secondary insurance. It is the responsibility of the provider to seek payment due from the insurance companies listed on file. They only reported to my PPO coverage with XXXX XXXX and was advised denied for no referral on file. The billing department at that time is supposed to reach out to obtain proper documentation to have claims Re filed and paid. Instead they never tried to get paid they immediately decided the balance owed is mine without submitting to other insurance on file. XX/XX/XXXX I contacted XXXX XXXX XXXX and my pcp at XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. The claims are being resent for processing and the XXXX XXXX Representative contacted all parties and advised will take two weeks to process and another 30 days for claims to reprocess and then secondary insurance will need to be notified of remaining balance owed to be paid by secondary insurance then if a balance is left I will be responsible for that balance. Since this is going on XXXX XXXX XXXX still have all accounts listed in collections knowing they have to wait for all claims except two to be processed. Two claims will be sent to secondary insurance XXXX XXXX assured for payment. Which at that time they are not allowed to bill a balance due to XXXX and XXXX regulations they are under a fee schedule. This should be removed from my credit until all processing of all accounts are complete.
Consumer complaint received 2023-03-04
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. (NV)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX BANK XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (OH)

I contacted my credit card company and asked for a reduction in my very high interest rate of XXXX. I explained my financial hardship and spoke to XXXX different customer reps. I am a single mom with XXXX children. I am paying so much in interest that I will never pay this card off. I'm frustrated because I want to pay off my debt. I was told that I need to be delinquent before they can help me. I asked for a payment plan where I can pay around XXXX dollars a month and get this paid off asap. I also said if they needed to close my account to do this, I was willing to do that. They said I had excellent history but had no offers at this time to help me. They also didn't want to lose me as a customer. I have tried numerous times to work with them. Do I need to not pay my bill to get help?? Please help me.
Consumer complaint received 2017-11-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advantage Financial Service LLC (Idaho) (ID)

Received notice from Mortgage broker that had collection account on my file from Advantage Financial Services, called company requesting a validation od debt, advised they would not do it, should get from original creditor, stated they would make sure thus stayed on my credit report, even if not accurate information. I called original creditor ( XXXX XXXX XXXX XXXX, who emailed me a statement, showing that there charges were based on a physical inspection made on premises XXXX/XXXX/XXXX, this was amazing since I didnt move my property out until XXXX/XXXX/XXXX, have pics and phone logs showing I called original creditor, to set up walk thru time for premises, subsequently call Advantage back. spoke with XXXX, stated she does see the XXXX/XXXX/XXXX date, as date of inspection, but does not care if information is not correct, advised her that her company under FCRA has obligation to provide accurate information to credit bureaus, stated it is her job to collect money and does not care if my credit report is not accurate, threatened to sue me and I advised her that would be perfectly fine. Every company has an obligation to make sure the information they provide is accurate to Credit Reporting Agency and these people will not confirm information is correct,  costing a higher interest rate on my mortgage.
Consumer complaint received 2023-03-07
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. (CA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$250.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$90.00} XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX Inquired on XX/XX/2022 XXXX
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a XXXX XXXX XXXX XXXX  acct # XXXX which I voluntarily CLOSED which acct is listed as CLOSED on its web page but my acct is still inaccurately reported as OPEN on my XXXX, XXXX and Trans Union credit reports despite my CFPB disputes. In fact, on XX/XX/2023, XXXX sent me a report stating XXXX XXXX XXXXXXXX XXXXOutcome : Remains - The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. My account is CLOSED and continual reporting of my account inaccurately as OPEN and false certifications constitutes willful violations of the FCRA and Metro 2 compliance protocols subjecting violators to {$1000.00} statutory damages per willful violation. Kindly reinvestigate and either promptly report my account as CLOSED at consumers request or permanently delete my account and block access to the violating furnisher. The FCRA and Metro 2 protocols require prompt and immediate mid cycle reporting an account as Closed when requested by the consumer by phone or otherwise. False certifications and sloppy investigations shall not be tolerated. Similarly, as if XX/XX/2023, my XXXX and Trans Union reports continue to inaccurately report my account as OPEN.