davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

A Chime account was opened in my husband 's name, using my email address, without our permission. Our credit is frozen, so this should not have happened. However, Chime apparently does not check credit when opening accounts. They " apologized for the inconvenience '' and closed the account. However, their irresponsible business practices are what caused this problem in the first place. As we searched for info to make sure it wasn't a scam, we learned that people opening false accounts through Chime is a pervasive issue.

In addition, their solution for removing my email address from their database was to change it by adding XXXX XXXX 's to the end. Changing an email address and hoping that one has the modified address is not the same as removing an address from their database.
Consumer complaint received 2023-11-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

I had damages on my credit report. This is a defamation to my character. I have disputed this collection several times with the XXXX XXXXXXXX and XXXX credit agengies but it has came back as verified. That is not accurate. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof og the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. This creditor is reporting different amounts of debt on all three credit reporting agencies. Lets start with XXXX. the account number is different that all the rest. it is reporting as {$3200.00} GENESIS CRDT Account details Account Number XXXX Date Opened XX/XX/2023 Last Activity XX/XX/2023 Original Creditor XXXX XXXX XXXX XXXX  Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type JointContractualLiability High Balance {$3100.00} Unpaid Balance {$3200.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Dispute Resolved Reported By Grantor Account details No History Is Available Collection agency GENESIS CRDT but on XXXX it says {$3200.00} GENESIS CREDIT MANAG Account details Account Number XXXX Date Opened XX/XX/2023 Last Activity XX/XX/2023 Original Creditor XXXX XXXX XXXX  Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type JointContractualLiability High Balance {$3100.00} Unpaid Balance {$3200.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Account details No History Is Available Collection agency GENESIS CREDIT MANAG, then on XXXX it has a totally different name. It says {$3200.00} XXXX XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/2023 Last Activity XX/XX/2023 Original Creditor XXXX XXXX XXXX Monthly Payment {$0.00} Term Source Type Provided Current Rating Collection/Charge-off Status Closed Type JointContractualLiability High Balance {$3100.00} Unpaid Balance {$3200.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Seriously Past Due Date/account Assigned To Attorney, Collection Agency, Or Credit Grantor 's Internal Collection Department, Account Previously In Dispute - Now Resolved - Reported By Subscriber Account details then says that it went into collection or charge off in XXXX and also reported in XXXX none of the other credit agencies has the months reported. this is not correct. 
this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/2023 XXXX XXXX BANK OF AMERICA ILLINOIS XXXX XXXX XXXX, XXXX XXXX, Texas, XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe to your bank. I am not refusing to pay, but am notifying you that I am disputing your claim. I am requesting validation, as it is my right according to the Fair Debt Collection Practices Act. Please be aware that I am requesting validation ; specifically, competent evidence bearing my signature and showing that I have a contractual obligation to pay you the amount you claim I owe. I am putting you on notice that any negative mark found on any of my consumer reports ( including XXXX XXXX  credit reports ) from your company, or any company that you represent for a debt that you can not verify that I actually owe is a violation of the Fair Credit Reporting Act. Therefore if you can not validate the debt, you must request that all credit reporting agencies delete your entry from my XXXX XXXX system report. Pending the outcome of my investigation of any correspondence or evidence that you submit, you are instructed to take no further action that could be detrimental to any of my consumer reports. If you can not prove that you still own this alleged debt, remove the derogatory marks from my credit report per the FCRA. Failure to respond within 30 days of receipt of this certified letter will result in legal action against your company. I will be seeking a minimum of {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX LAST 4 SSN : XXXX
Consumer complaint received 2024-05-21
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. (PA)

So, I continue to fight with this company about this debt that does not belong to me. They send me billing statements that at an address that I never lived at, from as far back as XXXX. I am XXXX XXXX XXXX, I have a son XXXX XXXX XXXX. I have a current XXXX account in my name. 
There is no payment history on this account, you send me bills from XXXX, but this account also says it was opened in XX/XX/XXXX and has different last active dates from both Experian and XXXX. 
Please remove this account for the continued mistakes and lack of validation. XXXX has already removed this account.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters..
Consumer complaint received 2023-11-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (TN)

Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. I have disputed this collection several times with the XXXX XXXX and XXXX credit agengies but it has came back as verified on XXXX and XXXX but XXXX deleted as they should have. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. I have no addresses, phone numbers, or accounts tied to it. It is also reporting as an open charge off account from XXXX years ago with recent activity. as of XXXX XXXX XXXX  and the last activity on XXXX is on XX/XX/XXXX. the date opened on both is XX/XX/XXXX no account details or history on either agency with no term source type. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I, XXXX XXXX, am writing to request the removal of unauthorized credit inquiries on my Experian credit report. My latest credit report shows 12 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report : 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 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 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 Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Regards, XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NH)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-11-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MB FINANCIAL, INC. (NC)

This summer in XXXX, N.C. I purchased a new motorcycle from " XXXX XXXX XXXX XXXX " and used their recommended lender ( instead of my XXXX Bank,  where I use to live ) to speed up the closing process. 

The bank I used was MB Financial Bank, XXXX XXXX XXXX XXXX, XXXX IL,  XXXX. XXXX XXXX. My loan number is XXXX. My last four SS digits are XXXX. I reside in XXXX, N.C. 

In attempts to transfer this loan to my bank, XXXX XXXX XXXX XXXX, I was told by MB 's customer service that I am not allowed to obtain even a COPY of my title until the loan is paid off. Further, if I wanted an email with my 10 day payoff it was necessary to make a written, signed request via fax. 

I made this written signed and faxed request ( Which I view as unnecessary ) and have not got a response 24 hours later. XXXXXXXX XXXX ( and all banks ) will not write a loan unless they have a copt of the title. 

As you can see, MB is doing everything in their power to prevent customers from pulling their loans to another bank. This is harassment and predatory and does not reflect standard and customary banking practices. 

I am further writing the Federal Reserve, State 's Attorney General 's office and my N.C. Motorcycle dealer to advise them of the people they are dealing with.
Consumer complaint received 2023-09-04
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. (IL)

I am writing to convey my profound frustration and disappointment concerning the lingering presence of charged-off accounts on my credit report. I have previously raised disputes regarding these accounts on multiple occasions, offering comprehensive explanations regarding the Fair Credit Reporting Act ( FCRA ) violations perpetrated against me. In this complaint, I have gone the extra mile by accentuating these violations with supporting exhibits and attached documents. Despite my persistent efforts to address this issue, these charged-off accounts persist on my credit report, inflicting significant harm on my financial reputation. I strongly implore you to conduct a thorough investigation into this matter, rectify the FCRA violations, and ensure an accurate reflection of my financial history in my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00}.
Consumer complaint received 2024-05-21
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. (FL)

I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2A1. 
( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term " consumer report '' does not Include ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report. XXXX is in violation. Payment History is an experience with the line of credit that was extended between the consumer ( ME ) and the persons ( XXXX XXXX and XXXX making the report. I demand the illegal reporting of these accounts # XXXX, # XXXX and XXXX account deleted from my report. Failure to respond satisfactorily immediately with deletion of the above accounts, will result in legal actions being taken against XXXX for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Inability to obtain a business 6. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-09-21
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. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( XX/XX/2023 ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 2017-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (RI)

My town lowered my taxes due to becoming XXXX XXXX and I requested an escrow evaluation back in XXXX. Also the funds being held in escrow are double what federal guidelines say are acceptable. I have recontacted my mortgage company but have not got any adjustments or refunds which I believe should have been done within thirty days. Help please, I 'm not able to work so money is very very tight. 
Thank you
Consumer complaint received 2019-06-24
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lendmark Financial Services (NC)

Requested Do not call on all phone numbers on account XX/XX/18, Company has continued collection attempts through phone calls, has left several voicemails. Spoke to a manager at the branch, XXXX XXXX, she initially admitted fault and apologized for the continue phone call. XXXX used the exact words " we made a mistake ''. XXXX stated she would have her manager give me a call back at the end of the day. Spoke to XXXX again, only to confirm the manager 's information that I would be expecting a call back from later, XXXX became very upset and confrontational, raised her voice, denied any fault in the situation after already admitting fault. States either you're going to pay your loan or you're not.
Consumer complaint received 2024-05-21
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. (NY)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-06-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tiempo Finance Company Inc (TX)

Company is Tiempo/XXXX XXXX XXXX. Have been calling my job phone every single day, 5-7 times a day, to collect a debt, since before XX/XX/2019. My director and myself have repeatedly requested them to stop calling my job, ( XXXX ). The ladies are extremely belligerent and rude. They call me non stop on my cell, after hanging up the job phone. I have recently mailed a certified mail cease/desist request to them or the TX Attorney General office will be notified. I just finished doing an online complaint with the FCC, as well. My mother just recently passed away and I have financially gotten behind. I told the lady this morning, that I know I owe and when I get money, they will get a payment and AGAIN, requested to stop calling my job and harassing me. They will NOT stop calling my job, after REPEATED requests, from myself, as well as my director. I work in an XXXX XXXX. Please help me to stop these people from calling my job, my cell phone and the phones of my family members. Thank you.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2024 Reporting on EXPERIAN XXXX/ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these are showing they all did hard inquiries on my account which was not authorize by me. They inquired on my account without my knowledge or approval.
Consumer complaint received 2024-05-21
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. (LA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-03
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. (IL)

Accuracy of my credit report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they wilfully violated the act you are entitled to at least XXXX per violation plus any other damages you have sustained as a result of their failure to follow the law. If you have to file more than 1 complaint, wilful noncompliance can easily be proven as they had a full understanding of the violations after you complained the Ist time.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I recently pulled a copy of my credit report and noticed fraudulent inquiries and personal information that were incorrect. I DID NOT originate nor authorize these inquiries on my credit report. Please DELETE the following inquiries as this is a clear case of identity theft/alleged identity theft outlined in XXXX XXXX XXXX and must be DELETED within XXXX business days of receipt of this letter. Also, pursuant to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX b ) please update my personal information immediately as well. Please see attached copy of my identity theft report.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.