davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-04
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: Experian Information Solutions Inc. (GA)

There are several accounts reporting on my credit file that does not belong to me. The following account is a result of identity theft : Address : XXXX XXXX XXXX XXXX XXXX, NW XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$10000.00} ( Experian, XXXX, XXXX ) XXXX XXXX XXXX XXXX - Balance {$13000.00} ( Experian ) XXXX XXXX XXXX XXXX - Balance {$2300.00} ( Experian ) Childsupport - {$7300.00} ( XXXX   and Experian ) XXXX XXXX - {$3500.00} ( Experian )
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2019-01-04
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. (GA)

There are several accounts reporting on my credit file that does not belong to me. The following account is a result of identity theft : Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  - Balance {$10000.00} ( XXXX, Equifax, XXXX ) XXXX XXXX XXXX XXXX  - Balance {$13000.00} ( XXXX ) XXXX XXXX XXXX XXXX - Balance {$2300.00} ( XXXX ) XXXX - {$7300.00} ( XXXX and XXXX  ) XXXX XXXX - {$3500.00} ( XXXX )
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Received a copy of my credit report on XX/XX/2023 and XX/XX/2023 and theirs 's 21 hard inquires on my credit report from XX/XX/2023 - XX/XX/2023 they're 61 soft inquires also on my credit report.

I have called and written letters to all three-credit reporting
Bureaus ; XXXX, Experian and XXXX which included a copy of my driver 's license and social security card,
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2018 I had two charges for a " Bronze Package '' maintenance from XXXX XXXX XXXX, XXXX.The first charge of {$240.00} was for the " Spring '' check and repair of a leaking air conditioner, and I was told the second charge of {$270.00} was pre-payment for the fall or winter check. I also paid and additional {$200.00} on XX/XX/2018 for addition of " XXXX '' refrigerant to the air conditioning unit. On XX/XX/2018 the same air conditioning unit began to leak again. I called XXXX XXXX XXXX XXXX. and requested immediate action due to this recurrent issue. A technician came and repaired the unit again and attempted to charge me. I informed him I would not pay for this same issue and that I had purchased a " Bronze Package '' and showed him my invoice. He saw my invoice, agreed with me and said he would " take care of it '' and left without payment.

The next day I saw a charge on my Chase Freedom credit card for {$310.00} that I did not authorize nor provide a signature for. I called Chase to inform them of this unauthorized charge as it was still " pending '' the representative advised me to wait as the charge might reverse. I informed the representative that I did not authorize the charge and that I had never authorized the company to retain my credit card information.

The charge did not reverse and I was charged {$310.00} as above. I called Chase and the representative made a conference call with XXXX XXXX. The XXXX XXXX " office manager '' stated I did not purchase a service package and did not provide any explanation of the two charges on XX/XX/2018. She further refused to send an itemize invoice despite the fact that I was charged for " refrigerant '' on the XX/XX/18 invoice and was not informed about any need for refrigerant as I had spent {$200.00} on " XXXX '' refrigerant above. She then hung up the phone on the representative and myself. The Chase representative did not make any further attempts to assist or explain and stated the charges would stand.

I subsequently made multiple calls to Chase regarding this issue and spoke to " manager '' level representatives who told me that a company can keep my credit card information without my consent and charge me and that Chase does not prevent this type of information theft. Finally I spoke to a Chase representative who agreed the charge should not have occurred. Per her request I sent additional information on XX/XX/2018 including the two invoices of which the XX/XX/18 invoice had someone else 's signature and the XX/XX/18 invoice that had no signature.

Within a few days was told the charges still stand without explanation of any additional " review '' that was performed.
Consumer complaint received 2023-11-09
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)

Received a copy of my credit report on XX/XX/2023 and XX/XX/2023 and theirs 's 21 hard inquires on my credit report from XX/XX/2023 - XX/XX/2023 they're 61 soft inquires also on my credit report. 

I have called and written letters to all three-credit reporting Bureaus ; XXXX, XXXX and Transunion which included a copy of my driver 's license and social security card,
Consumer complaint received 2019-01-04
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: CITIBANK, N.A. (SC)

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Sears/CBNA of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX  and XXXX   credit reports concerning a new account with Sears. He then received a bill from Sears/CBNA concerning that account. A formal dispute of that account was mailed to Sears/CBNA ( twice ) the first was XX/XX/2018, the second was XX/XX/2018. While the fraudulent related inquiry was removed the account is still being reported as of this date. A confirmation of this was received from XXXX  credit bureau showing that Sears/CBNA is listing this account as legitimate after they have been notified twice of the fraudulent nature of the account. This action is a violation of the FDCPA and the FCRA and my clients federal consumer rights.
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi, Below is a timeline of the problems I've been having with Capital One.

Brief description ~ Credit card was charged off in XX/XX/2015, which is reflected correctly on my credit report. I started and agreed to a repayment plan ( of which I've never been late on ), in XX/XX/2016, however they are still reporting me late to all three credit bureaus on the account that was charged off ... .and of which I am making a timely repayment plan on. From what I have heard, once the account is charged off they can not continue to report you late ... .especially given the fact that I haven't been late on ANY repayment plan with them.

I am currently in the process of obtaining a mortgage, and am going to lose a substantial amount of earnest money due to their lack of taking this seriously and correcting the erroneous lates being reported to the bureaus. Please help.

-XX/XX/2015 charge off -XX/XX/2016 started agreed repayment plan -XX/XX/2018 sent reporting dispute to capital one by Sobak financial -XX/XX/XXXX , letter from capital one stating there was no fraudulent reporting on account XX/XX/XXXX, contacted XXXX ( XXXX ) he understood there was incorrect report by capital one to credit agency will have letter faxed over within 24- 48 hrs stating so and send the info to credit bureau resolutions department to correct with credit bureau XX/XX/XXXX, no fax , called spoke with agent, got supervisor on phone, XXXX   direct line XXXX ext XXXX. She agreed was being reported incorrectly and would have letter faxed with correct information within 24 hrs XX/XX/XXXX called XXXX got vim left message no return call XX/XX/XXXX called XXXX got VMware left message no return call XX/XX/XXXX called spoke with supervisor XXXX ( XXXX ) ext XXXX she had letter and would fax it personally XX/XX/XXXX letter was faxed but only concerning XX/XX/2015 - XX/XX/2015, didnt address any lates being incorrectly reported every month since it was charged off in XX/XX/2015.

XX/XX/XXXX spoke with XXXX ( XXXX ) said she understood situation after I described what was being reported but she could only send it to the capital one credit bureau resolutions department, I could not talk with them or anyone higher than her and it would take 7-12 business days to be determined if they would change anything
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

I really need your help urgently. In the nutshell, my current mortgage is with XXXX ( known also as LoanCare, going forward I will go by name XXXX ) and my monthly mortgage payment is extremely high. With XXXX XXXX  it became very difficult to pay for the mortgage. I have secured a refinance commitment from XXXX XXXX XXXX and they are willing to refinance my loan and reduce mortgage payment significantly. They have reached out to XXXX and asked to send XXXX documents ( collateral file ). XXXX has told the bank that they will send the documents out in 3 months which is astonishing. XXXX XXXX XXXX has locked the rate and they need to close in two weeks. XXXX does not want to cooperate and they hold me hostage with my loan. I will not be able to pay higher mortgage payment for the next three months. I have reached out to XXXX and asked for help, but their customer service rep stated that they are helping other customers and will not send any paperwork within 3 months. I am hopeless and speechless. Please help!
Consumer complaint received 2023-11-09
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$440.00}.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I RECENTLY BEEN DENIED CREDIT BECAUSE OF THE FRIVOLOUS INFORMATION THATS REPORTING ON MY FILE. I REALLY DONT UNDERSTAND HOW ARE THESE ITEMS REPORTING WHEN INFACT THEY WERE NEVER TAKE OUT. IT IS MY RIGHT AS CONSUMER AND A CITIZEN TO FIGHTAND REACT TO ANY XXXX  WAUTHORIZED INFORMATION REPORT ON MY FILE. I KNOW BY LAW THE CREDITOR HAS 30 DAYS TO RESPONSE ANY CLAIMS REGARDING THIS MATTER, BUT I AM GOING TO ASK THE BUREAU TO SPEED UP THIS PROCESS AND REMOVE THESE MISLEADING INFORMATION OFF MY REPORT BECAUSE ITS HURTING MY ABILITY TO OBTAIN CREDIT. THE FEDERAL TRADE COMMISSION WILL BE NOTIFIED IF THESE ITEM ARE NOT BE NOTIFIED IF THESE ITEM ARE NOT DELETED WHEN THE RESULTS COME IN YHE MAIL. 
Thank you
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (AR)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Delete this account. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.
Consumer complaint received 2019-01-04
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (AZ)

BBVA Compass stole $XXXX  dollars as a maintenance fee on their free savings account.  In doing so, they also stole the $XXXX bonus that I was meeting the requirements for on the same account.I requested BBVA Compass' assistance to help fix this problem, but they haven't even bothered to respond to me online, and they keep hanging up on me when I called in the last three times.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-29
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (PA)

I applied for a refinance of my mortgage XX/XX/2020. Navy Federal has still not closed on the refinance 6 months later resulting in unnecessary interest accumulation. Navy federal stated they were poorly staffed and couldn't handle all the request.
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$290.00}
Consumer complaint received 2019-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (OH)

I have sent two validation letters to bull city financial solutions asking them to remove this collection from my credit file because this debt is not mine I also asked if they could provide a original contact bearing my signature which they have not done all they sent me was a final bill which is not proof of validation
Consumer complaint received 2023-11-14
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. (TX)

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.

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 2023-11-09
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-12-13
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. (OK)

I have already provided Experian with the FTC report for identity theft. I spoke to the gentleman who filed my dispute and he stated that the inquiries had to stay on the report for 2 years even though they were not made by me and if i wanted to dispute them i needed to contact the company who requested it. I explained to him that not all of the inquiries on my report contained contact info for the company that requested my information so i could not contact them, At that time he said he would file the dispute for me, im not sure how he couldn't and then all of a sudden was able to. I got one confirmation number for the dispute that was supposed to contain everything referenced on the call, The only thing disputed by him was some of the incorrect addresses, and incorrect phone number, and a soical security number that was not mine, He made no attempt to contact the companies that requested my information and did not provide me with the means to get it resolved myself, so as it stands i have no way of getting the info disputed even though it is fraudulent, XXXX  was also notified of the Identity theft and to this day still does not have a fraud warning placed on my account, XXXX put the warning out over a month ago, Experian applied one, but as of XX/XX/13 XXXX  is still allowing access to my file.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (SC)

Hello, I previously had an account with chime financial. On XX/XX/2023 my account was suspended because I received a deposit from United States Treasury Department also know as IRS. The Deposit amount was for {$50000.00} into my chime checking account. Inside of my chime credit builder account was {$490.00} balance from my employer check that was deposited on XX/XX/2023. Now on XX/XX/2023 I received a email from chime that my account have been CLOSED. Reasoning is that my account does not comply with the terms of the Deposit Account Agreement any funds in account will be mailed in form of a closure check. Then after speaking with chime supervisor she sent a email to the offline back office chime protection member I then get a email to send request documents that verify my deposit such as tax transcripts w9 also all DL SS all proof of identinty. The next email stated to re-enable account access and I should receive a response within 24-48hrs. I then received another email stating that I will receive closure checks of funds from both checking an credit builder account within 30days today is XX/XX/2023 it is way pass the time I have yet to receive my closure checks. I repeatedly sent the same email of verification they requested I have literally sent 47 emails an called/spoken to many chime members several times for weeks. In some emails I even stated personal information about my hardship this situation is causing me. Im a single mother of XXXX. And most of all Ive expressed why my closure checks should be expedited because my son has XXXX so his life medical treatment depends on this. Also on XX/XX/2023 some fraudulent activity within chime company went on with my account it was open for a few hours then closed which is extremely suspicious an bizarre. So now it looks like my account was closed on XX/XX/23 instead of XX/XX/23 even though I have proof from chime that my account was closed on XX/XX/23. It still 30 days pass the time to receive my money. 30 day closure checks time frame is chime policy. Please help me with a resolution.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of five inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX