davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (TN)

Chime bank refused to update my account balance after a refund was posted from XXXX. They even went as far as to say I spent it after I reported multiple unauthorized charges on my account from XX/XX/XXXX to XX/XX/XXXX. The was {$180.00} refunded to my spending account which should have brought the balance to {$190.00} if the had updated it. Also I withdrawal of {$49.00} was made by XXXX XXXX after the card was reported stolen the 1st time to Chime bank. I do have XXXX and feel discriminated against by the way they responded to me when I spoke to agents on the phone. Their refusal to fix the issue is evidence of that.
Consumer complaint received 2020-08-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Direct Mediation (TX)

On XX/XX/2020, A company by the name of First Direct Mediation contacted my mother and stated that they needed to speak with me about an important business matter. When I called that day, no one answered the phone. I got a phone call on XX/XX/2020 from my ex husband stating that the same individual from that company called and left a voice mail that they were a litigation service on behalf of the school district ( that I work for ) and that a client of the school made a complaint against me. My ex husband was upset because we have not had contact in years, certainly not in the time that the claimed debt, was owed and he was never used as a reference. When I called the number my ex husband gave me, no one answered by First Direct Mediation. They instead asked me how they can direct my call and why I was calling. When I told them I got a call and my name, they switched me over to a Mr. XXXX ( or XXXX ). He confirmed that the debt was passed down from a loan company. He asked if I ever truly intended to pay on this bill and that I was a liar and lying to him. When I asked him about the amount, not only did the amount not match, but the amount I paid and owed was also grossly overstated. I advised him that I would be calling the company direct to confirm where the debt had been sent to. He stated that it's fine and he'll be ready when I call back because they can't help me. After I hung up with him, I called the loan company,. I was advised that my loan had been transfered to collections and the collection company is XXXX XXXX XXXX. She gave me the phone number and this company is not in any way affiliated with First Direct Mediation. They also advised me that there were a number of complaints by customers against First Direct Meditation and others for scams. They do not send their past due accounts to any business by that name. It is obviously a hoax or scam.
Consumer complaint received 2023-06-07
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-20
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)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I sent a letter regarding Fraudulent/Inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet I feel like Im being taken advantage of and Im being ignored of my disputes section 611 ( a ) it is plainly Stated that a failure to investigate these items within 4 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted properly I demand these accounts be deleted immediately from my file for My information was also impacted by the equifax data breach and May have got into the hands of the wrong person.
Consumer complaint received 2020-12-13
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. (MI)

I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities to become more successful.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX ( Bank ) I AM A VICTIM OF ID THEFT I NEVER AUTHORIZED THESE ACCOUNTS XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  Finance ) XX/XX/XXXX PFS XXXX # XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Retailer ) XX/XX/XXXX 2022
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (KS)

I previously submitted a complaint regarding removing PMI with Mr. Cooper. They acknowledged communcation delays in their response. I followed up again on XX/XX/XXXX to start the process for an appraisal to have the PMI removed. They indicated that research would be need to be done, since its an investment property. Someone from the company was supposed to contact me within five business days. I still have not received a response to this simple question. The customer service at this company is a complete joke.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blackrock Mitigation Group LLC (OR)

I was contacted by blackrock mitigation asked what this was about, they said they have been trying to serve legal documents for court action, but have not been able to do so with many attempts, no one has done that at my current address of ten years, I proceeded to ask what company they were collecting for, they could not give me info without permission from there manager, at that point I knew it was a scam, bad thing is they had ss # & address and name, ,they need to be contacted someway by you, I checked my credit report I do not have anything to collect on, there phone # XXXX, from Indiana That's what caller i.d . said Thank you
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within XXXX days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX with account number XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account number XXXX Inquiries XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc. (CA)

Self credit card- Purchased access to an online auction site XXXX XXXX After completing the process I was unable to submit the required documents. 

Received a letter from XXXX informing me to dispute the charge as they were unsuccessful in processing a refund. 

Dispute initiated w self CC. After 30 days I received a letter stating that after a thorough investigation they find no error in billing. 

A follow up phone call to XXXX they informed me they have not received any attempts at disputing the charge in question.
Consumer complaint received 2023-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America neglected to pay the correct amount on my township taxes due XXXX. Upon receipt of a delinquent tax notice from my town I contacted the bank and they confirmed they underpaid. The delinquent amount of {$120.00} plus a small interest charge were paid out and the township confirmed receipt. My issue is that the bank paid the interest charge out of my escrow account instead of paying on their own as there or was 100 % theirs. I contacted them several times and they will not budge. I believe this may be a systemic problem and perhaps thousands of other customers may be unfairly charged as I was for the banks initiated errors.
Consumer complaint received 2021-07-28
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection XXXX ( XXXX U.S.C XXXX XXXX ) that you, credit reporting agencies, block information appearing on my consumer credit report that is result of identity theft an fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists PXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account XXXX XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from XXXX FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2021-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (AZ)

Gregory Funding is demanding money for an escrow account because " you are delinquent in paying your taxes ''. My taxes are current until XX/XX/2020. They refuse to answer their phone, i have held up to six hours and never spoke to anyone..
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Addresses and name on my credit report are incorrect. I do not live, or have i lived at those addresses. I will attach proof of my electric bill, showing my name and address. i do not live in Michigan.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To remove any old or duplicate addresses from my report : Current address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Remove non-mailable addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My current phone number is XXXX, Remove old phone numbers. Remove Inquiries : XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX  : All dates. All reported late payments XXXX XXXX XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX  XXXX : XX/XX/XXXX, XX/XX/XXXX, XXXX  : XX/XX/XXXX XXXX 

Under the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' As Transunion, XXXX, and XXXX are consumer reporting agencies, and I am the consumer, I have the right to ensure my private information is not disclosed. This is further supported by 15 USC 6801, which establishes that financial institutions have a duty to respect customer privacy and protect the security and confidentiality of nonpublic personal information. Under 15 USC 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies can only provide a consumer report " in accordance with the written instructions of the consumer to whom it relates. '' I have not given Transunion, XXXX, XXXX, or any information furnishers my consentverbal, non-verbal, written, or impliedto disclose my information, and I hereby revoke any such consent.

Furthermore, 15 USC 6802 ( b ) ( c ) mandates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless I as the consumer is given a clear explanation of how to opt out of disclosure. I was not informed of my right to exercise this nondisclosure option. Additionally, 15 USC 1681c ( a ) ( 5 ) states that " no consumer reporting agency may include in a consumer report any adverse item of information, other than records of convictions, that predates the report by more than seven years. '' This account is an adverse item that is being reported without my permission.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Opportunity Financial, LLC (AL)

OPPORTUNITY Financial has derogatory marks on all 3 of my credit scores stating I owe them money. I have no knowledge of even applying for credit with them, I called them to get more info and possibly pay off the debt and they have absolutely no information of me ever even being a customer and have no clue as to why they are on any of my credit reports. They still refuse to remove themselves from the reports.
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2020-05-26
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. (TX)

I sent a letter a month ago, got no reply so i sent another letter by certified mail to try and get these inquiries off my credit report. I still havent heard back from them.