davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (DE)

Because I am a XXXX XXXX survivor and the underwriter could not find what he was looking for, he decided to harass me to divulge information that violated my rights under " The Address Confidentiality Program. ' I feel I was also mistreated because of my age.
Consumer complaint received 2022-02-23
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)

I am totally dumbfound of this. I have no idea what is going on over there at the CFPB. I have submitted this complaint & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. This is so bothering on my part! The following accounts listed below were opened due to identity theft. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b... Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (KS)

On XXXX XXXX, opened checking and saving accounts at Citibank, deposited {$1000.00} to checking account, {$50000.00} to saving account. 

On XX/XX/XXXX XXXX, found my all money was withdrawn by someone without my permission on XXXX XXXX. 

Called the bank many times, nobody told me what was happened and where is my money, they always told me they would check and then hang up my phone. 

One month was passed after my money was gone, Citibank didn't call me, email me or letter me. I called, but they can not give me the answer.
Consumer complaint received 2021-03-24
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. (LA)

I have filed a complaint previously with you about XXXX. XXXX reported to XXXX and XXXX  the accounts were last payment XX/XX/2014. Equifax and XXXX are refusing to remove the accounts like XXXX and Equifax. XXXX will not talk to me at all saying they can not help me due to them no longer having my account. And when I requested them to reinvesitagate XXXX my credit score has dropped drastically and XXXX has put comments on all accounts making it impossible to get my credit score back up. I do not find it fair I should have my credit score drop because I am asking for them to fix it. And also Equifax is the only credit Bureau who messed with my XXXX school account and that in addition dropped my credit score. I called and talked to XXXX and they said they have not sent anything in regards to late payments being changed and Equifax is claiming they did and that is why my credit score has plummeted. Can you please make Equifax fix what they have messed up.
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 my car key was stolen, the stolen key was used to get into my my car, my wallet was stolen from the car with my Chase debit card, one other debit card, a XXXX XXXX credit card, a drivers license in the wallet, plus my cell phone was stolen. The thief or thieves used my Chase card to charge more than {$14000.00} at two different department stores ( XXXX XXXX and XXXX XXXX ) as well as using the other debit card and the credit card to make additional charges of more than {$6000.00} at the same XXXX XXXX. I notified Chase of the theft within 24 hours of the theft and disputed the charges. I provided Chase with the name and contact information for a witness who let me use his cell phone to call XXXX, who can attest I was either in the ocean surfing or standing by the side of the road waiting for XXXX when the charges were made at stores 10-12 miles away. I also submitted voluminous documents, which are attached, proving I could not have been present at the XXXX department stores where the charges were made, including records from XXXX showing that I was stranded by the side of the road waiting for a XXXX technician to cut a new car key at the time two of the three fraudulent purchases were made. 

In addition, the transaction history on my Chase account shows that my wife and I have never used the debit card to make a purchase at a store for more than about {$150.00} dollars, nor have we ever purchased any item at either the XXXX XXXX or the XXXX XXXX store on our Chase card. I also filed a police report with the XXXX XXXX Police Department, which is also attached. The XXXX XXXX services fraud investigator has concluded that the {$4200.00} charges on the credit card at XXXX 's was fraudulent ( that resolution letter is also attached ). 

Chase denied our claim initially, but reopened it when I provided additional documentation. However, the again denied the claim on XX/XX/2021. This denial is inappropriate under the Electronic Fund Transfer Act, 15 USC 1693g because I did not authorize the transaction and timely reported it
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc (LA)

Back in XXXX Chime closed my account without any notice, I contacted them by phone & he asked questions about my last transaction I told him which was right. he let me know what information to send & also a selfie was needed I sent that information immediately the same day I was emailed. They took almost a week to respond only to tell my account was being closed refer to a section in there deposit agreement & that i wasnt eligible for a refund so now im panicking! Im out of work due to have a baby not working at the moment because of XXXX and my dr preferred me to stay out of work until after the baby!! ive been contacting them since then & theyve blocked my number from calling & not responding to emails. At this Point I dont know when my next dollar coming in I have a XXXX and XXXX on the way this is stressing me out so bad .can they just take my hard earned money like that?
Consumer complaint received 2022-02-22
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 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 2022-02-23
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. (NY)

I am a victim of identity theft. The information is listed on my FTC Identity Theft Report, my written notice, circled in RED on my E

quifax consumer report and this complaint does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply. Please see all my attachments. Things such as addresses, inquires, incorrect SSN attributes to my finds. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promp tly notify the furnisher ( s ) of that information
.
Consumer complaint received 2020-02-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Two issues : 1 ) Harrassment after being told to never call my number and add my number to their company do not call list. They've been calling daily or weekly for months. 

2 ) I recived a debt collection notice that included NO debt collection required information, purportedly from " XXXX '', but it appears likely that this is in fact from Portfolio Recovery and not actually related to XXXX at all. Especially since it includes " sale of this account to a third party '' and " do not send payments or correspondence to the above address ''. 

The problem when it happened : I ordered new SIMs for new cell phones online. The system would not allow me to order one for one of the devices, so I called in to add that device. The company could not find the order I had placed online and said it didn't exist. So they opened a new order and added all the devices ( including the one the online system couldn't handle '' ). 

When the order arrived, both sets of sims arrived. I called to activate and discussed the double order, they said to just keep them since they are free anyway and I could otherwise ignore them unless I some day needed extra sims. The SIMs I ordered on the phone worked fine, I used the account for over two years, no problems. But ... 

Then I got a collection notice several weeks later for the unused SIMs. No " invoice ''. No " overdue notice ''. Just straight to collections. I called in and XXXX cancelled the account ( this took OVER two hours! Recorded! ).  Unfortunately, the account rep on the phone didn't XXXX the balance before terminating the account due to a technicality related to a non-existent PIN number ( since there was no account ... no PIN ). I have a recording of this conversation from XX/XX/17, it lasted two hours and involved many bounces, people, and apologies. At the end of the two hour call, he said he'd fix the problem and call me back. But never did. It was never fixed. And I don't have another two hours to invest in NOT getting it fixed again. 

Now it's in collections and Portfolio Recovery refuses to stop calling me. They have called me dozens of times, often with fake caller IDs. They often hang up without talking on fake caller IDs and then call back from a new 800 # ( because I've blocked the previous one ) later and again ignore my " never call this number again, remove me from your calling lists, add me to your do not call list or I will sue you '' statement and just call back either later that day or in a few days from yet another fake number followed by another 800 #. 

Unfortunately I can not upload the audio recording since it's 258M.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (WI)

I paid for service through Lexington Law to fix my credit and for months they didnt do anything to help me at all. I had to dispute old accounts that were paid and closed or even over seven years old that needed to be removed from my credit reports and I paid XXXX a month for way over a year with no results. I dispute these accounts on my reports but over and over even the credit bureaus dont respond. Im so sick of spending so much time to get my credit score to where I can finally have a good score and its a constant situation that gets nowhere. I shouldnt have to jump through hoops
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

As I'm pulling my credit report on an account that was closed and sent to a collection agents. It is still adding extra charges to the remaining balance. Also the collection agency whom bought the debt states it sent the debt back to it's original owns due to some issues they was having. I am not aware of the extra charges until it is reposted on my credit statement stating my balance has increased by XXXX dollars. I have not gotten any updated information on this account with XXXXXXXX XXXX XXXXXXXX.
Consumer complaint received 2024-10-09
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. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-02-23
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-02-22
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. (MI)

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 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX repeatedly marked my account as " late '', charged a late fee, additional recovery fees and reported the account as late to the credit reporting agencies, despite the knowledge and agreement to change the due date on the account to mid-month. XXXX XXXX XXXX, did not adhere to policies regarding the change of due date, regarding payment agreements. XXXX XXXX did not do their due diligence in changing the required information and alerts, so that it would not be falsely reported to the credit bureaus. When the due date changed to the XXXX of the month, the account alerts should have been updated to reflect that important change. Otherwise, allowing the change of date is completely redundant and posturing, in order to appear to the authorities that XXXX XXXX XXXX was being flexible, at the time. XXXX XXXX XXXX should rescind the late charges, reports to the credit bureaus, from the time the arrangement of mid-month due dates was made. XXXX XXXX XXXX also refused to acknowledge a payment and continued to collect late charges and reported late payments to the credit bureau. I have provided official documentation from my credit union to support this, XXXX XXXX XXXX has not responded or attempted to remedy the situation.
Consumer complaint received 2022-02-23
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian CreditBureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MI)

Affrim , Inc. with XXXX # XXXX in the amount of {$1000.00} from XXXX XXXX, XXXX is illegality holding an account that has been filed as fraud since XXXX, XXXX, XXXX. 
Affirm, Inc. was notified XXXX, XXXX, XXXX that the account in collections was listed as fraud ; by their hired, XXXX XXXX XXXX XXXX listed as : XXXX XXXX XXXX XXXX # XXXX and reference # XXXX for loanID # XXXX. - Noted by XXXX. XXXX ID # XXXX XXXX, XXXX. XXXX XXXX XXXX then notified Affirm , IncXXXX XXXX, XXXX, XXXX of the account they were currently holding listed as fraud. XXXX XXXX had not been notified by Affirm XXXX XXXX in over a year ( XXXX, XXXX, XXXX ) as the validity of the account ( stated by XXXX XXXX. XXXX the submitted to Affirm XXXX XXXX on XXXX, XXXX, XXXX a noted fraud collections. Affirm, Inc. was notified and verified of notification on XXXX, XXXX, XXXX by XXXX XXXX and XXXX XXXX XXXX they both verified and confirmed they had not been in response to this notification in over 30 days and they did not notify the listed customer or XXXX XXXX  of any supplied information in over 30 days. ( XXXX, XXXX, XXXX ). To date Affirm, Inc. has still not supplied any documentation or validation of this debt to any parties, nor has it followed fair credit practices to remove any accounts during the supplied and allowed time. 

The original loan was established on behalf of a merchant that was notified XXXX, XXXX, XXXX of fraud, the merchant notified that the order was never fulfilled and the transaction was listed as fraud. Affirm, Inc. was notified that an established fraudulent loan was made and the attempt of this loan is not sufficient as the merchant never fulfilled order.
Consumer complaint received 2022-02-23
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. (MS)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are XXXX consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and XXXX That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE