davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (NY)

Me and my wife both applied for chime roughly about three years ago why she kept her account active I decided to not activate or use my account XX/XX/XXXX my wife went to family dollar general to deposit XXXX on what she thought was her card to pay the light bill but it was my card she end up taking out the home it wasn't to she got home to pay the bill online she realized the card was mine and not hers so we called chime they explained I had to go through the email link to my chime account explain the situation send pic of front and back card and the recipt they also explain to me the account was suspended and card lock so they needed the receipt to make sure the deposit was issue on the card and someone will reach me in two hours it's been five days and I called several times to be told it went from one department to another and I will be getting a email shorty today the XXXX the they told me they must first investigate why wld a deposit go through on a lock card from they end before they proceed in taken any action of resending my money I stress to them because of the incident our lights was turn off for not paying we need have a special needs child it's very important we get the deposit back and I ask several times if a card is lock how can it work one way how can it accept but can't take off and why do I have to wait for them to solve the error before they handle the situation at hand of getting me my funds back rather it's a check sent or any other alternative because I'm still not interested in keeping it wanting to be a chime member especially after how they handling this current situation I was email on the XXXX the I will be getting a email from them in two hours that never happened I've just been getting the run around I email and I keep getting the same response for five days now than they telling me they didn't receive my ticket until XX/XX/XXXX which is not true this has been going on since Friday XX/XX/XXXX early mid day
Consumer complaint received 2024-03-30
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)

I want to clarify that I have not given my consent to Equifax, XXXX, and XXXX to furnish my information. They do not have my written consent for the same. Any consent they believe they have, whether verbal, non-verbal, written, implied or otherwise, is now revoked. ''
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My business account was closed for no reason by bank of america. Unfortunately that was the only business account I had. My business went to a total halt and all my funds were inaccessible. 2 weeks later they send me a check in my business name which I cant cash or deposit because I have no other accounts in my business name. I call them to rewrite the check to me personally and they said they cant write another check until 120 days ( 4 months ). So basically they are going to illegally hold my money for 4 months is what they are basically saying.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Accounts status is inaccurate or should not be there and should be deleted XXXX XXXX XXXX XXXX show charge off XXXX XXXX XXXX XXXXXXXX show charge off XXXX XXXXXXXX remove status comment XXXX XXXX XXXXXXXX remove status comment XXXX  XXXX remove the status {$3.00}, XXXX written off. 
XXXX XXXX XXXXXXXX remove the status {$4.00}, XXXX written off. 
XXXX remove the status {$4.00}, XXXX written off.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

I am still fighting the same problem with this company a year later. In XXXX I submit a complaint regarding Equifax providing me with false information regarding not XXXX but XXXX bankruptcies listed on my credit report. 

Still since XXXX of XXXX, I have been calling in to Equifax asking to see the results and methods of verification taken regarding he XXXX bankruptcies listed on my report. I have spoken to over XXXX dozen representatives who all have given me the same response. 

I have heard statements such as : " Your case has been elevated, '' " A supervisor will contact you, '' " The investigation is almost complete, '' etc. 

On XXXX call I sat for over an hour waiting for a supervisor to come to the phone and noone every did. 

I have provided Equifax with copies of certified mail receipts, copies of letters from the bankruptcy court, copies of letters from XXXX XXXX, etc. I initially disputed multiple bankruptcies that are listed on my credit reports. The initial result from Equifax was that the source of the information XXXX XXXX XXXX verified the information. I then questioned the representative and asked how quickly they were able to verify the account and the representative gave the same response that I would receive a letter within seven to ten business days. I received a letter from the official courts signed by an official clerk of the court that the courthouse does not verify the information and I was advised to contact the credit reporting agencies myself. 


Currently, when I log into Equifax through the online website and pull up my credit report, the bankruptcies are still showing and the option to investigate is not available as there is an error message that disputes are unavailable. 

I am not even able to upload the electronic copies of the documents that I have mailed in on multiple occasions. On every other investigation that has occurred after the initial request, the message investigation in progress is showing next to both bankruptcies. The most recent credit report is for the month of XX/XX/XXXX. I have not received anything from Equifax showing a completion for this investigation and it is now the month of XXXX.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (DC)

After submitting a request for an investigation via postmail, I received a letter stating that they could not verify my information although identification documents and proof of address was provided. This is a clear attempt to stall my investigation request.
Consumer complaint received 2023-08-09
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. (FL)

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX XXXX  Opened XXXX. 
{$290.00}
Consumer complaint received 2023-08-09
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. (CA)

XXXX  AND TRANS UNION...REFUSE TO EXCEPT MY DISPUTES. XXXX  REFUSES TO DO THERE JOB CORRECTLY VIOLATING MANY LAWS
Account name
XXXX
Account number
XXXXXXXX  Account name
XXXX XXXX XXXX XXXX
Account number
XXXXXXXX
Account name
XXXX
Account number
XXXXXXXX  Account name
XXXX XXXX XXXX XXXX
Account number
XXXXXXXX
Account name
XXXX
Account number XXXXXXXX
Account name
XXXX XXXX XXXX XXXX
Account number
XXXXXXXX
Account name
XXXX XXXX
Account number
XXXXXXXX  ACCOUNT NAME
XXXXXXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

For the last 90 days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via XXXX, XXXX, and Experian. I have always lived at XXXX XXXX XXXX # XXXX. Someone illegally obtained my information and opened fraudulent accounts and used apartment number # XXXX which I have NEVER lived in that apartment unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have XXXX inquiry on Experian, and I have XXXX inquiries on XXXX and XXXX as I am able to lock/freeze my report now. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The three following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the three following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last 90 days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( XXXX, XXXX, experian ) XXXX CREDIT CARDS*********** **XX/XX/XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXBalance {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX FIRST XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a 30 day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these XXXX items off all XXXX bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in America as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XX/XX/XXXX XXXX, Experian** Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bread Financial Holdings, Inc. (PA)

Today I received a phone call with a woman stating that my local cops were coming to my house to arrest me for a credit card I owed over XXXX  years ago. When I called back they said I owed them {$3000.00} and are suing me. I told her the debt I had was {$300.00} and it was over XXXX  years ago and the statue of limitations is over. She told me that's not true and if I don't pay it I will have cops at my door. Her phone number is XXXX XXXX XXXX. She also called my mother and told them they were coming to my house with the XXXX XXXX XXXX.
Consumer complaint received 2022-10-17
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America performed a hard inquiry on my credit report for a card I never applied for. I immediately put a freeze on my credit reports. I then reached out to their company and they asked for proof that this took place. I sent them the proof they asked for and received a letter stating there was basically nothing they could do about it.
Consumer complaint received 2019-01-25
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. (CA)

XXXX XXXX listed multiple 30/60 day late payment on my credit report from XX/XX/XXXX and XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX and Transunion. Please remove the 30/60 day late payments from my credit reports.
Consumer complaint received 2023-04-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

We live in a condo and in our Association fees we pay for insurance coverage, including wind mitigation for external and internal. Our Lender, Freedom Mortgage, is claiming the wind policy excludes for improvement/betterment and are forcing us to pay an additional $ XXXX for a policy through them. I have sent them all of the documents, proving there are no exclusions in the policy, and that, in the circumstance there is damage to property outside and inside, regardless of renovations, the property is covered. They do nothing but send the exact same response. Also noted, our Association has had the same coverage since we moved in XX/XX/2018 and the Lender approved this policy as valid coverage for previous years.
Consumer complaint received 2022-12-12
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. (OH)

Upon checking my credit report I still see that inaccurate information on me is reporting. 

On Transunion, my name is not XXXX XXXX, my name is XXXX XXXX My address is not : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX On XXXX, my name is not XXXX XXXX, my name is XXXX XXXX My address is not : XXXX XXXX XXXX XXXX, OH XXXX On XXXX my name is XXXX XXXX and not XXXX XXXX My correct name and address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

While checking my XXXX XXXX account I noticed on their XXXX XXXX reporting that my credit score dropped approximately XXXX XXXX It was XXXX and dropped to XXXX. XXXX XXXX informed me score was provided by Trans Union. I called Trans Union to find out what caused this significant drop. No resolve. I called their XXXX # only for my cal to be directed to a chat. Spent the morning trying to get answers only to find out there was no answer and referred back to XXXX #. which brings me to this complaint. I pay my bills on time and have worked very hard to built my credit. According to XXXX XXXX XXXX XXXX Trans Union is determing scores not based on facts. If they collect the data they should at least make sure they are basing their results on the most up-to-date data. Since they collect this data they should assure it's accurate before they publish a score ( something that effects when and what you can buy. Thank you, any and all consideration given will be greatly appreciated.
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ENCORE CAPITAL GROUP INC. (ME)

Hello, I received a notice from Midland Credit Management a debt collector for a XXXX XXXX XXXX XXXX Balance of XXXX for a can account credit XX/XX/XXXX XXXX XXXX XXXX. I received this notification at my parents address at XXXX XXXX XXXX XXXX XXXX, XXXX Maine XXXX. 
I requested additional information about the account and found out the address for the card was at an apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at apartment XXXX. I disputed this information with the Midland Credit, but they said the information was accurate. So my father XXXX XXXX and I went to the apartment complex on XX/XX/2022 to see if they ever had any record of me living there, and they did not. XXXX XXXX said she can be contacted at XXXX to verify that I had never lived at the location. This address was used to open the account. 
My purse was stolen in XXXX a few years back and police report and figure my identity was stolen. Midland Credit told me to file a report with you. 
I can be contacted at XXXX. My father can be contacted at XXXX
Consumer complaint received 2023-03-22
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: EQUIFAX, INC. (OH)

My XXXXXXXX Mortgage payment was incorrectly reported as 30 days late in XXXX of 2023. I disputed this with XXXX XXXX Equifax. I provided multiple forms of confirmation showing that my payment was on time. This included payment confirmation from XXXX. 

After closing the dispute, XXXX determined that the late payment was reported correctly and chose to keep it on the report. I have escalated this with XXXX, providing once again the proof of payment. 


Equifax has not updated m report after closing the investigation.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (OK)

Credit karma was sending me preapproval advertisement to help increase my credit score multiple times within the past years. I sent several emails to customer service about the pre approval being denied. It not only denies me it set my score back down from pulling inquiries. It was a roller coaster of my score going up and down due to this.
Consumer complaint received 2022-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IL)

-My parents and I signed a mortgage loan modification contract with Specialized Loan Servicing ( SLS ) as co-borrowers that are all on the title of the house. 

-When I noticed that my name was not on the loan correspondence, I called to have the correspondence corrected because my parents don't speak XXXX and I am the one that looks over correspondence and speaks to SLS. So it is very important that I get correspondence. 

-Throughout the years and after several people ( at SLS ) saying that it was fixed but the system always drops the third name or saying that it will be fixed, we fell on hard times due to Covid-19. We finally saw a path to get back on track, unfortunately, on XX/XX/2022, my father was diagnosed with XXXX and on XXXX he passed away. 

-Even though SLS constantly ignored my requests to make corrections so that I receive correspondence, they decided to place my home in foreclosure months after my fathers passing. 

-Because I wasn't getting correspondence, I wasn't aware that our house was being foreclosed and that our homeowners insurance was going to cancel and cause a lapse of coverage. 
- -On Friday XXXX XXXX this year, I found out that SLS not only removed my name from the loan, they also removed my mother 's name from the loan at one time.

-SLS is refusing to take the steps needed to correct their many mistakes so that my house is removed from foreclosure status and to reinstate our homeowners insurance policy.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I have applied for a used car loan for dealership at XXXX XXXX located in XXXX, LA. There were 7 creditors that have made hard inquiries to my XXXX credit report, and they refused to remove them when XXXX XXXX took over for my car loan. By Federal Law, Credit Bureau Agencies I was told by XXXX can not honor request by consumer. The hard inquiries prevented me from applying for a credit card XXXX XXXX XXXX XXXX XXXX. 
XXXX, LA. XXXX XXXX The following companies made credit inquiries on my report that have no financial activities on my report and should be removed : XXXX. XXXX XXXX XXXX. Bank of America XXXX. XXXX XXXXk XXXX. XXXX XXXX XXXX XXXX XXXX. Second Credit check was done by XXXX XXXX
Consumer complaint received 2022-12-03
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. (MI)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.