davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
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)

In accordance with the Fair Credit Reporting act 1.XXXX account ending XXXX & XXXX XXXX # XXXX, has violated my rights. 

2.XXXX  XXXX account identifier : XXXX, account ending in XXXX, has violated my rights. 

3.XXXX XXXX XXXX account ending XXXX, has violated my rights 4XXXX XXXX capital has violated my rights 5.XXXX Confirmation # XXXX Has violated my rights 6. XXXX : account number ending XXXX, has violated my rights 7.XXXX XXXXXXXX XXXX account ending XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX  : XXXX XXXX ph XXXX XXXX, XXXX club corporation account ending with 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.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I applied for my free credit report online at Annaulcreditreport.com. I picked Equifax to get my report from. After fill out all of the information it said I could not get my credit report and I had to call the customer care team. It gave me this phone number to call 888-Equifax. I called them on XXXX at XXXX XXXX. I talked with XXXX. Before talking to her I had to reverify all of my information again before speaking with her. She said that I could not get my credit report. If I wanted it I would have to have one mailed to me. I told her I didn't want one mailed to me and that was the reason why I applied for it online. After telling her several times I wanted online. She wasn't listening to me and was going to send it to me by mail. I asked for a supervisor. She was resisted wanting to send me to their supervisor. She finally did transfer to the supervisor. Her name was XXXX. She did the same thing. I don't understand why I could not get it online if I applied for it online with annualcreditreport.com. Equifax is not giving our credit report as stated on the web site very quickly. You have to wait 4 to 6 weeks for one! Wow! One other thing I will say also is while I was on the phone with XXXX I heard people in the back ground making laughing sounds and snorting their nose several times while on the phone with XXXX. You would think for a credit reporting company that they would be more professional than that and helpful to the customer. What I want done is for me to get my report on line from Equifax plus an apology from them to!!!
Consumer complaint received 2020-09-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$1800.00}, {$0.00}, {$0.00}, {$0.00}, {$2700.00}, {$1400.00}, {$0.00}, {$5100.00}, {$250.00}, {$3400.00}, {$3900.00}. 
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 ( 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. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 9. XXXX XXXX/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

11. XXXX FUNDING with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Consumer complaint received 2020-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On XX/XX/20 my card was lost and my bank contact me due to suspicious activity. I at that time open up my app and found that there was charges that had been made fraudulent. I contact the bank immediately and the representative at that time cancelled the card. I was told to contact customer support the next business day to open up a claim. As of XX/XX/20 I contact the bank and was forwarded documents to send back to file the claim. I submitted the documents back the same day with the events of what happened the day the card was lost. I was told that it would take 10 days to determine if there would be a temporary credit for the funds that was taken fraudulently. After the 10 days I received and email that no error was found. I immediately called Chime Bank and request to speak with a supervisor due to I did not disagree with the outcome. I was told at that time that it would take 10 days to get the results of the investigation. I received the results on XX/XX/20 and was told I would not be refunded my funds due to the location of the disputed transaction is just 20 minutes away from the cardholder 's location. I have been victimized by the criminal whom stole my funds and now victimized by the bank that I have trusted to protect my funds. There was a total of {$430.00} that was stolen from my account and basically I have been accused of a criminal activity by my bank and I am the victim. While speaking with the supervisor due to there was five different transactions, I asked for the address or phone numbers for the merchants and was told that is not information that they have yet he asked me had I spoke with the merchant. I have since filed a police report and now have to do my own investigation of what the bank should have done!
Consumer complaint received 2020-09-18
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. (OH)

I need some help over a few issues on my credit file. My name is XXXX XXXX is have a few late payments that happened during the COVID SHUTDOWN. One was with my mortgage XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. I was not working and I had requested a deferment of my mortgage payment. The dates were XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving buy a new property. I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations. I would like the late payment removed. 
I also have a unverified account from XXXX XXXX XXXX XXXX # XXXX. I never had any contracts or dealings with XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-18
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. (MN)

XXXX congress gave you the right to report information on consumer but in that law it Also states that you must report correct information AXXXX XXXX XXXX accurate information. Something you are not doing you sit on your XXXX all day and push code back and forth to the credit bureaus with out verification of anything. The reason I know XXXX review your Response dated XX/XX/XXXX you certified that the closing date was reporting accurately which is a XXXXXXXX XXXX and XXXX  removed it. This also brings up another violation of the FCRA you shall not XXXX  to the credit agencies what the XXXX are you doing! 
XXXX next to the last statement of your letter also dont you be telling to contact The credit bureaus when I dispute because again you will be sitting on your XXXX pushing button again not verifying anything you are the source and I will be contacting you. By now you know who the XXXX sent this reframe from mailing XXXX CFPB have an awesome portal state your claim there please!!!!!! Look at the close date on XXXX and you lied about that mm mm mm you XXXX XXXX you!
Consumer complaint received 2020-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL INC (TN)

On XX/XX/XXXX I pulled my credit report and discovered I had a collections from XXXX on my credit report. I paid it on XX/XX/XXXX via my XXXX account. I mailed a Certified letter to Coast Professional on XX/XX/XXXX telling them that I paid this debt and could they update there records. They had 3 addresses and I sent the letter to all three. Please see the attached proof of mailing and receipts certified that they signed. Today XX/XX/XXXX I receive a notice XXXX which is garnishment for {$860.00}. This is incorrect.
Consumer complaint received 2020-09-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

Loan was re-financed from Lakeview Loan Servicing to Lakeview Loan Servicing in late XXXX. Prior to closing, I paid the homeowner 's insurance bill and Lakeview paid the insurance bill. At closing, the mortgage broker paid the homeowner 's insurance bill. In XXXX, I received notice from Lakeview that I needed to provide proof of insurance. I told them they already had it. I was told they would attempt to contact the insurance company again. A few days later, XXXX notified me the mortgage company on the policy had been updated. In XXXX, I was again notified that I needed to provide proof of insurance coverage. This time, instead of talking to the insurance dept of the mortgage company, I talked to customer service. The lady looked through my policy and confirmed that the policy number was the same and, based on the documents on file with the company, I had no lapse in coverage. She stated she would be making contact with her boss and several departments to fix the issue. In XXXX, I was notified by Lakeview that the had taken money from my escrow to pay for hazard insurance. I called Lakeview and again spoke to a CSR. I was told that the money had been reversed. I received my XXXX statement today and there is no reversal. I checked the online account and there is no record of the hazard insurance that they wrongfully took from me has been refunded. I have attempted to contact executives from their company and I have had no response. At this point, I feel this company is operating fraudulently, hoping people won't notice money being taken. The amount taken was {$150.00}.
Consumer complaint received 2020-09-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

I am unable to collect {$600.00} bonus offered as a new chase customer. I went into XXXX branch with bonus offer on XX/XX/XXXX. My banker was XXXX XXXX XXXX. Prior to opening accounts with him I pointed out fine print and asked him to confirm if I am eligible since I did not remember when I closed my last account with XXXX. He pulled up my information and told me to wait while he confirms with the manager. When he came back he told me I will not have an issue collecting a bonus. So we proceeded and opened chase total checking and XXXX savings on XX/XX/XXXX. I set up direct deposit from my job and deposited {$15000.00} cashiers check on XX/XX/XXXX. I have not checked if I received a bonus till XXXX, this is when I found out that I did not. Since then I had multiple conversations with my banker that they were trying to submit for bonus but I kept getting denied. The explanation I received in last conversation went pretty much like this. Him You were denied because you closed you last account in XX/XX/XXXX and it went less than 2 years since then. Me : I have asked you specifically about this fine print and asked you to make sure I qualify, and you went to a maneuver and came back with good news that I qualify. Now I had my money locked into to you bank while I could be earning better interest somewhere else. Him : I understand, but when we opened account there was no issue, it is a back office, it is not us. Me : So Im not getting any bonus, even that {$100.00} bonus for opening both accounts together that you printed out for me? Him : No. So I dont know what happened, but I started reading posts from other people and they actually get a message that does not allow Them to open  account with bonus offer Until they meet the 2 year Requirement. So I suspect that my offer was not applied to my account and I was intentionally misled, or there is a plain error.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent CERTIFIED letters out over 60 days ago and have yet to receive a notification. As a consumer I feel like these people dont care and are taking advantage of me. Also, THIS IS ME THIS IS ME THIS IS ME!! DO NOT SEND ME A VAGUE STANDARD RESPONSE!!!
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

I contacted AmeriSave Mortgage company on XX/XX/2020 and spoke with XXXX XXXX NMLS # XXXX and he told me to start the process I would need to pay a {$500.00} deposit that would go towards my loan, but was refundable if I didnt go through the appraisal process. I scheduled a call for an appraisal, but it was never set-up. So, I never went through the process. I was able to negotiate with my current mortgage company a lower rate and contacted XXXX XXXX on XX/XX/2020 to withdraw my application. He told me over the phone that it was withdrawn and when I asked about my {$500.00} deposit he told me that it was refundable since I didnt go through the appraisal process yet. I also sent him an email to confirm this as well. I called again on XX/XX/2020 to make sure my application was withdrawn and he confirmed that it was and that I would be refunded back my money. I continue to receive emails about this refinance application that I withdrew and have not been refunded back my {$500.00}. I spoken to several people and even left a voicemail for the supervisor of XXXX whose name is XXXX and have not received a response back. They are requesting additional documentation from me which Im not providing as I already asked that they withdraw my application and they refuse to do so. I even emailed their customer service department and left a voice message with no response back.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated and corrected right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
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: ALLY FINANCIAL INC. (PA)

XX/XX/2022 I reached out in regards to his complaint multiple times with this company and have yet to remove any items on my credit report. Per 15 USC 6801-6805 I can opt out, especially if I did not have clear disclosure to reporting and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. I also included everything down below in the letter explaining my concerns. You all have violated my privacy and my personal information and must do whats right to the consumer upon request. Thank you, see attachments below sent off the following credit bureaus please remove me from all credit reporting agencies and update my report properly. Thank you.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After Reviewing My Credit Report, I Have Found Numerous Inaccurate Names, Aliases, Former or Current Employers, and Addresses That Do Not Belong To Me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my Credit Report per The Federal Fair Credit Reporting Act ( FCRA ) Regulations 15 U.S. Code 1681i, and I demand, as My Lawful Right, For As Names And Addresses Other Than What I have listed above and below be removed immediately as they are not accurate and untrue. 

Also, delete all activities containing information solely as to consumer transactions or experiences per U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681a Section ( 2 ) Exclusions of Fair Credit Reporting Act. Delete all insight into my financial status Per The Fair Credit Reporting Act ( FCRA ) of 1970 - which protects consumer information as it pertains to their credit report, which provides insight into my financial status.
Consumer complaint received 2017-09-09
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. (MN)

My personal information, per the Equifax website portal to check, was obtained without my consent by criminals who illegally breached that data in possession of Equifax. I have filed a credit fraud alert for 90 days.
Consumer complaint received 2022-12-22
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  NCXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-12-22
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. (TX)

This is my next endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
permission : XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  TX XXXX ) XXXX Balance : {$1300.00} EXPERIAN XXXX XXXX XX/XX/2021.
Consumer complaint received 2020-09-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (GA)

I have sent two letters requesting validation of debt to this company. They only responded by sending a letter asking for payment and they continue to send me invoices threatening to send my account to collection. I would like the debt validated and then if it is proven to be my debt I would like to make payment arrangements to clear this debt, but I do not want to pay on a debt that I do not know if it is mine or if the amount of the debt is correct.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Hi, I there are fraud items on my credit report that do not belong to me and I told Experian and they are refusing to remove this item eventhough the 4 agents ( XXXX, XXXX, XXXX and XXXX ) I spoke to seen my documentation. 
I sent over my proof showing that this account isn't mine, the Bankruptcy office is closed and can't verify but I was able to get a document from the office and I was told that this document would suffice and no one has been helpful to me and I'm constantly being hung up on.
Consumer complaint received 2020-09-18
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. (FL)

Enforcers better look into the scams on seniors with fake subscriptions placed on your credit card. 
The bank Cards said they are aware but don't do anything but void your credit card? Shame on U.S. 
You inquire about a product and then without your knowledge the scammers place a $ XXXX/mo membership on your card without your approval?