davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CT)

Chime XXXX XXXX XX/XX/XXXX- asked Chime to send us a new link to send the information they requested to close XXXX XXXX  's account. 
XX/XX/XXXX - received regenerated link and uploaded requested information. 
XX/XX/XXXX - emailed them asking why I hadn't heard from them XX/XX/XXXX - sent Chime the following email - I spoke to your online support XXXX  days ago about why you havent gotten back to me after you said you got the pictures, and they gave me an escalation number XXXX and said this was being resolved. I called again today and was put on hold for XXXX minutes and the call was disconnected by you. So I called again and this person said the photo ID I sent wasnt good enough as it had a blacked out section. You are not responding adequately or in a timely manner so far. So please send me another link to send you the pictures yet again. You are making this take XXXX too long by not being responsive. 

XX/XX/XXXX - sent another email to Chime- So if I dont hear back from you with a link on what I asked for youll be getting even more calls, or XXXX  will, from the Consumer Financial Protection Bureau XXXX If your level of service with me is any gauge, Im sure you have heard from the CFPB quite a bit. Is another link that hard? 
XX/XX/XXXX No response from Chime in any way by any means.
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: TD BANK US HOLDING COMPANY (CA)

This is clearly as water. Thank you CFPB for bringing this awesome evidence to light despite the lies that TD Bank was telling consumers who, like been saying for years ( this is A fraudulent account that magically appeared on my consumer report. I had told TD Bank and made them aware of this fraudulent account yet they continue to harm my life by ignoring what i have been barking at TD Bank fraud department which i now know is being handled by clerks that were told to ignore any Fraudulent investigation into this credit account. Now I Know why TD bank was determine to flex and intimidate me into trying to make me believe that they were investigating this fraud account when they never did. CFPB this data furnisher is liable under the Fair credit reporting act ( FCRA ) under section 623 .Responsibilities of furnishers of information to consumer reporting agencies. a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CT)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-30
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: Advanced Resolution Services Inc. (IL)

Company is knowingly and falsely reporting information to be accurate, consistent and complete in an attempt to keep erroneous information on my credit file, in violation of 15 USC 1681s-2 ( b )
Consumer complaint received 2024-10-02
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. (AZ)

When I reviewed my credit report, I discovered that some of the information were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-04-03
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: Experian Information Solutions Inc. (TX)

I sent a dispute letter challenging the account on my credit report that is reporting inaccurately. The account is XXXX XXXX XXXX XXXX XXXXXXXX. I informed Experian that this is not my account and somehow, they claimed that it was verified. Furthermore, the account has discrepancies between the 3 bureaus. Experian is reporting 18 late payments while XXXX reports 17 late payments. XXXX reports that this account is paid off, but Experian is reporting that this account is 45 % paid. How does this meet FCRA regulations? I do not believe an investigation was done. You have failed to validate this account. Additionally, as per the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsection A-D ), please provide me with the names and business addresses of each individual who verified the aforementioned items, so that I can follow up accordingly. If you can not furnish this information, remove the account from my credit report. I attached the dispute letter, which is dated, and time stamped along with the inaccurate credit report.
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

My mortgage was sold to a new servicing company. I was never contacted by the original bank, XXXX XXXX, about the transfer. The purchasing company sent letters but they just looked like junk mail to me. The envelopes had Mr Cooper as the sender. I had no idea a mortgage company would have such a name, and I just then thought it was more junk mail. I eventually opened one of the envelopes and realized that it was the new mortgage company. I immediately made my payments online. Within a week, they reported my payment as 60 days late. 

I know I have a grace period from when the mortgage is sold of 60 days and I feel like I made the payment in time given the circumstances surrounding the sale of the mortgage and the lack of any communication from the seller or any email contact by the seller or the buyer of the mortgage. 


I dont understand how the seller and the buyer do not communicate contact information other than an address. Phone number is an emails are ubiquitous and are not used by these companies when mortgages are sold. This is the second time something like this has happened to me in the last year and its really ridiculous that they cant use modern technology to get a hold of me. 

I asked that you have the Mr. Cooper company rectify my credit. I believe I made the payment within the 60 day grace period provided by Law. 

My credit score fell by XXXX points because of this fiasco.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc. (NC)

On XX/XX/2024, I began receiving calls from National credit systems. Upon answering a call at XXXX, I promptly told them to put me on their do not call list. I received three subsequent calls within 5 minutes of them harrassing me after I made the request. I answered the final call at XXXX to notify them again that I made a previous request to be on the do not call list. After stating this the person on the other end of the line began to laugh. 

These calls were made after I provided a request to the company to have all communication be in written form.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (MS)

On XX/XX/XXXX my online banking account was hacked and 4 unauthorized transactions were made using my debit card ending in XXXX. 

I have reported this to Regions Bank on XX/XX/XXXX. 

These transactions were XXXX XXXX {$2000.00} XXXX XXXX {$2000.00} XXXX XXXX {$2000.00} XXXX XXXX {$200.00} Total of Fraud transaction = {$4700.00} Facts Are As Follows : 1 ) My online banking credentials were hack and an unauthorize change of my online credentials occurred on XX/XX/XXXX. 
2 ) The fraudster/hacker moved all the money from my saving accounts to my primary checking account ending in XXXX. 
3 ) After the money was moved to my primary checking account, the fraudster/hacker made 4 unauthorized transactions as noted above. 

Regions bank as not given me my money back. 
This event occured on XX/XX/XXXX and as of today XX/XX/XXXX, I have been issued a credit.
Consumer complaint received 2024-01-24
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (GA)

This retail account was opened when I installed my vivnt account without my knowledge. Ive been charged {$4000.00} for equipment that was supposed to be free with install. the invoice I received after the fact said {$3400.00} and no one can tell me why I am being charged the max limit of the card instead. I feel this is a scheme with XXXX  and fortiva to trick people into opening this store credit card and paying interest and fees on the alarm system indefinitely. We had an issue recently and I called for troubleshooting and found out that the equipment I was charged for was not even installed but no one can correct this or my billing! Its a total scam and rip off.
Consumer complaint received 2023-03-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Management Services, LP (OH)

I emailed Capital Management Services , LP on XX/XX/2023 and asked them to not call, email, or text me. On XX/XX/202XXXX XXXX XXXX XXXX XXXX I received a voicemail from a XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-21
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. (IL)

I have never had an account with XXXX XXXX XXXX, and the account currently reported on my Experian credit report is inaccurate. I dispute the XXXX XXXX XXXX account ( Account No. ending in XXXX ) which is listed as Open with a past due balance of {$370.00} as of XX/XX/year>. I have never applied for or been associated with this account. This incorrect reporting is negatively impacting my credit score and financial standing. I am formally requesting the removal of this inaccurate account information from my credit report.
Consumer complaint received 2024-10-21
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. (TX)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I opened an account with credit acceptance corporation in XXXX. I gave the car back in XXXX XXXX. I cancel the registration couple of months later. I thought it would be a voluntary repo. It turns out that it's been going on my report as a delinquent account I and have a number of late payments that continue to accumulate. I have disputed this matter a number of times with no results in XXXX I was offered a settlement offer from credit acceptance for XXXX I was to pay that by XX/XX/XXXX which I did they sent me the paperwork satisfying that account still the company has not removed it after numerous calls XXXX will not remove it after numerous disputes.
Consumer complaint received 2024-10-22
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)

RE XXXX XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS (PA)

My address is in correct on my credit report. Its showing XXXX XXXX XXXX XXXX XXXX, PA XXXX but I never lived there and my correct address is XXXX XXXX XXXX, XXXX Pa XXXX
Consumer complaint received 2023-09-05
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. (LA)

First I reached out to my hometown police department and notified them of identity thieft. I was told to notify the credit bureaus and let them know and they will take care of everything. ( since the accounts not that big in dollar amount ) I notified XXXX and XXXX about inaccurate information on my credit report. A identity theft alert was place on my credit reports ; but the accounts are still reporting on my credit reports and should be remove. Only one account has been removed. Ive also ask the debt collectors to send validation of debt ; and still havent received any validation. Validation consists of ; 1. agreement thats grants you the authority to collect on the alleged debt, 2. Documents that indicates that I agreed to pay someone this some of money.

3. What is the original amount owe and complete payment history.

USC 1692g SEC 809 ( b ) Please send me a response to my complaint via email. I XXXX XXXX is writing this complaint on behalf of myself and will like my response back through the same portal I sent my complaint. 

Ive also sent an affidavit form in before through the mail; but received a letter back in the mail that said I had to make a police report. So I did go to my police department and thats when I reached out to the credit bureaus and they placed an alert on my credit reports but did not remove the accounts.
Consumer complaint received 2024-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MD)

I am writing to formally request the discharge of all of my student loans held by XXXX  due to the company 's deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. I was misled and for this reason, I have encountered debt and a hardship. 
I am suffering with a financial burden and would like to have all my XXXX  loans forgiven. 

XXXX has a history of this type of behavior and has repeatedly encouraged me to enter forbearance. 
Thank you
Consumer complaint received 2024-04-03
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: Experian Information Solutions Inc. (NC)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate. 

They haven't sent me back anything about the investigation. They are ignoring my disputes. instead they sent me a stall letter stating that they are nor going to investigate the item because they think I'm working with a third party. There is no law that stating that I can not hire professional help to assist in restoring my credit. So even if I was to hire someone, legally I have that right. 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of re-investigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-19
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I contacted XXXX  and sent all documents they required to remove hard inquiries that I do not recognize and not mine. I sent an FTC report by mail I sent police report by mail I also faxed and I have sent my documents to them already and called all companies and sent proof to XXXX and neither companies neither XXXX removed inquiries that I did not authorized neither done by me. I have called them and they said they cant find mail and also they said that I have to send them letter again and always is the same when they should remove all inquiries that are not mine. Here are the inquiries not mine 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 
I need XXXX  to remove inmediatly Innacurate information all those inquiries are fraudulently put in there by XXXX and need them removed. Also please do not authorized any company neither XXXX  to place any fraud alert or freeze without my consent. Please do not place any alerts or anything without my authorization.