davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

On XX/XX/2020 I received my CARES act {$1200.00} payment into my Chime account. My vehicle and debit card were taken without permission by my ex-girlfriend. She then stole approximately {$560.00}. Upon realizing such theft occurred and confronting the thief, I was violently attacked and sustained life-threatening injuries. XXXX XXXX in my head and a XXXX XXXX XXXX. After being released from the hospital, I contacted Chime about the theft. The thief fled the area after attacking me, and was not able to be located by police. Because of it being an active investigation, the police could not release the report to me yet. However, warrants for her arrest were issued for " FRAUD ; CREDIT CARD THEFT MORE THAN {$100.00}, AGGRAVATED BATTERY CAUSE GREAT BODILY HARM OR DISABILITY, DOMESTIC BATTERY BY STRANGULATION ''. Chime 's Disputes team did an investigation, and determined " no error occurred ''. I challenged this determination, and requested a rebuttal. I was informed rebuttals take up to 45 days to complete. Over 60 days later, I contacted Chime regarding the rebuttal. I was told that they determined I did not provide any more information and they stood by their initial decision. This led to me filing a complaint with the XXXX XXXX XXXX. Chime, upon receiving the complaint via the XXXX, promptly closed my Chime account for " violation of the user agreement ''. On XX/XX/2020 the XXXX XXXX Sheriffs Office and XXXX XXXX XXXX Police Department captured the suspect and took her into custody. This allowed the arrest report to be released to me. I provided the report to Chime, and on XX/XX/2020 I was informed by Chime that they " determined an error did occur '' and that " {$560.00} was credited to your account ''. However, as mentioned before, Chime had closed my account months prior to this. So I promptly responded to their email, and informed them that my account was closed and provided updated direct deposit details. Chime then sent me a generic response stating " Any balance due to you will be mailed to the address on file within 30 days of the account closure ''. That was on XX/XX/2020. As of XX/XX/2020, I still had not received a check from Chime for the {$560.00}. I contacted Chime about this, and received a generic response stating " for security issues we can not release any more information regarding this account ''. I promptly responded with an email asking them to review the case, and transfer it to a supervisor, and not to send me a generic response again. Chime then sent me an exact copy of their first response, stating " for security issues we can not release any more information regarding this account ''. 

Almost an entire year after the theft occurred, I'm still just trying to get the {$560.00} that is rightfully mine. Chime 's conduct is immoral, not right, and straight up illegal.
Consumer complaint received 2021-08-30
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I have called, and reported this Debt collection company on several platforms, and also reported them to all three credit bureaus. I had my identity stolen, and have notified the company that this is not my account and also mailed this company the copy of my FTC identity theift report, as they requested that I do. Then I asked the company to stop reporting this account as mine, by law they are not supposed to continue to report on it. and to quit reporting interest on this account resulting in my credit score going down because this company is reporting interest going up then two days later will report the balance has gone down by a dollar. 
And another two days increase the balance again. I called company and ask why are they still reporting activity if I already stated this account is fraudulent, and you have proof? The agent told me they can still report on this account, witch I know is false. This has been going on for awhile and I'm tired of this company in my personal data. And I just want this Debt collector activities investigated aswell. And also after reporting this company they immediately closed the account, then they opened it up again an began what I believe is toying with me, on my XXXX  account it shows closed with a past due balance that's illegal if it's a fraudulent charge and you have proof. All agents I have spoken to are hard to understand, and can never get me to a manager, are some one in higher authority.its bad business at this debt collection establishment.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-01-02
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. (NY)

I noticed some fraudulent inquiries on my credit report. I have filed a complaint with the Federal Trade Commission and received an Identity theft Report. I will upload the document along with my Identity as proof. Please remove the inquiries from my credit report.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-08-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (FL)

I applied to refinance my mortgage with Better Mortgage on XXXX. I was charged the appraisal fee on XXXX, and they're website showed that the appraisal has been ordered. I didn't get any calls from any appraisers, and on XX/XX/XXXX, I sent them an old appraisal ( from XX/XX/2021 ) to see if it can be used in lieu of having to get a new one. I don't hear back from them until XX/XX/XXXX when I'm stated that they can't reach anyone at the bank that did the appraisal. Evidently they worked on this for two weeks. On that same day ( XX/XX/2021 ) I told the adviser to go ahead and order a new appraisal. A week later, I emailed and informed him that no one contacted me to do the appraisal. I was told to wait. Closing was supposed to take place by XX/XX/2021. On XXXX, still no word from an appraiser, the Better Mortgage Adviser emails me stating that I would have to reapply or pay for the lock extension. In the mean time, I submitted hundreds of pages of documents that were asked of me in support of my application, uploaded all of them without any delay, and their web page that with my progress dashboard, kept showing that everything is on track throughout the whole process. I feel that they could have easily obtained a new appraisal had they ordered it when they were supposed to. I feel that they waited too long ( nearly two weeks ), for a response from the other lender. Even to this day ( XX/XX/2021 ), I have not heard from an appraiser. I refinanced or took out new mortgages multiple times over the years, and as recent as XX/XX/2021, and always received a call with a day or two of paying the appraisal fee from an eager home appraising company. I feel that Better should honor the original terms of my refinance application, and complete the loan closing without charging me extra fees.
Consumer complaint received 2021-01-02
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. (TX)

experian is useless. I have provided much needed information proving the information they are reporting is inaccurate and not mine. They continue to update and report the same information. 

I have no recourse other than to report them to you!
Consumer complaint received 2021-08-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TD BANK US HOLDING COMPANY (CA)

I purchased a used vehicle ( XXXX VIN ) XX/XX/19 from The XXXX XXXX with financing provided by TD Auto Finance. I then refinanced the loan with my local credit union ( XXXX XXXX XXXX ), but XXXX XXXX was never provided with the vehicle 's title. I have been making payments on time to XXXX XXXX for the last few years and now wish to sell the vehicle but am unable because the vehicle 's title can not be located. TD Auto Finance is unable to locate the title.
Consumer complaint received 2021-01-02
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. (NJ)

I have made several attempt to resolve since XX/XX/2020 please the attached proof Re : XXXX XXXX needs to be removed it does not belong to me, Please see the provided proof. 

Secu this account shows late payments : This account is paid never, The balance is also incorrect. I am requesting that all information be corrected Please see the attached for further information Equifax dates are follow : Per the USPS 1 ) XX/XX/2020 2 ) XX/XX/2020 3 ) XXXX XXXX, 2020 All as shown above was recived by XXXX XXXX. 


Transunion has declined to update my credit report, I have sent numerous request to them as well.
Consumer complaint received 2021-01-02
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. (MI)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-01-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Compaint is for coinbase.com Case # XXXX I have an account on coinbase for 3 years. As you are able to check the last three months virtual coins went alltime high. I was trying to verify my mail address as coinbase asks with my bank statement. For no any reason or explaination they freezed my ability to sell or buy and as a result of it I lost over XXXX usd which was very important to me. I want to be honest and tell you that prices went higher than the time I decide to sell but at the time that I decide to sell the price was XXXX usd. When I tried to sell and cashout as I was doing all these three years, a message appears that I was not able to do anything in my account and to contact coinbase. 

I cantacted them 7 times at the last 20 days but no one came back to me. Every time I am receiving back an automate email which says : ''Please accept this email as confirmation of receipt of your complaint. 
We will review your complaint and you will receive a response from the Customer Complaints Officer within 15 business days. If for any reason we require an extension, we will notify you as soon as possible. '' As a result of it I lost savings of this year which as you can understand are very important for my family as a result of covid19 economical situation worldwide, but anyway I lost them without any reason, any fault of mine or anyone to explain me why.
Consumer complaint received 2021-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC. (IN)

On XX/XX/2020 XXXX XX/XX/XXXX a conference call was initiated with myself and the following parties ; XXXX XXXX XXXX a compliance department representative from AXOS Bank along with a Customer Service Representative from XXXX XXXX. 

The call was in reference to a written notice received from XXXX XXXX, Compliance Officer from AXOS Bank regarding reaching a favorable resolution for a dispute I submitted with AXOS Bank on XX/XX/2020 for merchandise that I did not receive from XXXX XXXX. 

XXXX advised immediately upon me joining the call that no matter what the outcome is of this call, AXOS Bank is no longer responsible for this matter and no further action will be taken regarding this problem. I then inquired as to the purpose of the call given the information he just stated to me, he did not respond to my inquiry, merely stating, this is the end of it. XXXX then proceeded to disconnect from call leaving myself and the XXXX XXXX Customer Service Representative to proceed with the call accordingly. 

Both XXXX XXXX and myself were unsure why AXOS Bank initiated the conference call just to simply disconnect themselves. 

Upon proceeding with the call with XXXX XXXX, I was advised that a refund was processed for the merchandise that I did not receive. I advised XXXX XXXX that AXOS Bank is claiming no refund had been processed by XXXX XXXX. XXXX XXXX then confirmed a refund was approved and processed. XXXX XXXX then emailed me a case number in reference to the refund that was processed along with additional confirmation that tracking information or proof of delivery can not be provided. 

Given this new information that has been presented from the merchant, XXXX XXXX, I am inquiring from AXOS Bank the status of my refund.
Consumer complaint received 2021-01-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have multiple medical debts on my credit score with TransUnion and XXXX. I did not give permission for my medical files to be released this is a HIPPA violation and I will be taking legal action if not removed. On top of that I did not receive any notice of debt. 4 collections through XXXX, 1 collection with XXXX, 5 collections through XXXX on transunion. 1 collection through XXXX on XXXX, and 1 collection with XXXX XXXX, 4 collections through XXXX on XXXX. I am disputing all of these on legal grounds
Consumer complaint received 2021-08-30
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. (FL)

I have reached out to the companies listed on this report and have also hired an attorney that has helped me with getting a few accounts resolved and removed from my credit report. I have also made complaints about the bureaus failure to provide there verification process in validating these fraud accounts that I did not consent to. I have since placed a fraud alert on my reports in efforts to take precautionary measures and I am very disappointed in the outcome of my past dispute.
Consumer complaint received 2021-08-30
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. (FL)

I have reached out to the companies listed on this report and have also hired an attorney that has helped me with getting a few accounts resolved and removed from my credit report. I have also made complaints about the bureaus failure to provide there verification process in validating these fraud accounts that I did not consent to. I have since placed a fraud alert on my reports in efforts to take precautionary measures and I am very disappointed in the outcome of my past dispute.
Consumer complaint received 2021-08-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc. (TN)

Im a natural Person and consumer ACCORDING TO THE TRUTH IN LENDING ACT I did two consumer credit transaction with CHYSLER capital acting as the ORIGINAL CREDITOR ACCORDING TO THE TRUTH IN LENDING ACT I Credited this transaction with my credit card and signature when applied this information to the credit application ACCORDING TO THE TRUTH IN LENDING ACT I granted CHRYSLER CAPITAL CREDIT according to THE TRUTH IN LENDING ACT Should be no down title 15 usc 1605 says so TILA IM THE ORIGINAL CREDITOR ACCORDING TO THE TRUTH IN LENDING ACT Affidavit is attached
Consumer complaint received 2024-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (NY)

I am not liable for this debt with Self Financial Bank. I do not have a contract with Self Financial Bank. Under 15 usc 1692c- I Rodney L Conte as the consumer can refuse to pay a debt collection. 15 USC 1681e ( b ) Compliance and procedures I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it and yours thats on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. Your failure to positively verify these accounts has hindered my ability to obtain credit. Under the Fair Credit Report Act, unverifiable accounts must be DELETED in 30 days.
Consumer complaint received 2021-08-30
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. (IL)

This letter shall serve as formal complaint against Equifax. 

As indicated that Equifax has been failed. to respond to my 3 previous disputing letters regarding accounts opened by fraud. 
Equifax is only one Bureau that has been reported these 2 negative account on my report. The obviously violated the LAW. 
Federal law requires you to respond within 30 days, yet Equifax has failed to respond. the Federal Trade Commission ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with Equifax on this matter ; for the purpose of filing a complaint with the FTC. 
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Consumer complaint received 2021-08-30
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. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2017-08-05
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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (TX)

I have disputed my loans several times, have been sent to late payment status and my credit score is being affected. I did take out student Loan but school I attended was closed due to fraud. I am no longer  available to transfer credits or finish course
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XX/XX/2020 I was laid off from my position due to Covid19. I have a small car loan with XXXX XXXX, and they agreed to a forbearance program for the months of XXXX through XXXX. When the 3 months expired, I called and asked them for an extension, in which they agreed to. They stated that I had to sign a new agreement form and send it back to them. Upon receiving the new form, I signed it and sent it back immediately. I did not hear anything more from them so I did not make my XXXX and XXXX payments. At the beginning of XXXX I received a phone call from XXXX XXXX XXXX collection department stating that I was behind on my payments. I explained that I had an agreement that I would not have to make the payments for the months that they claimed I was delinquent, and they stated that they did not received my signed form back so they did not put the agreement through. I never received any notice up until this point that they had not received the form, or that any payment was being considered late. I asked the girl if I should pay something in order to not have my credit effected, and she stated that she was going to send a new form and as long as I signed it and sent it back that I would be fine. I did so immediately. A week later, I received a notice from XXXX ( whom I have a monthly monitoring service with ) that XXXX XXXX had reported a 30 and 60 day late on my credit report for the months of XXXX and XX/XX/2020. I immediately called them and they claimed that there was nothing that they could do. I filed a dispute with all major credit reporting companies and the results came back that they took the 30 day off for XX/XX/2020, and kept the XXXX delinquency on my report, changing it to a 30 day late. I have now re-disputed my case with all credit agencies 3 times, providing the documents from XXXX XXXX that prove I was not to make my payment for that month. The results continue to come back the same, XXXX XXXX refuses to remove this from my credit report. I have also contacted XXXX XXXX numerous times only to be told that they will not help me. I am XXXX years old and have never in my life had a single late payment. My credit has dropped 100 points due to this and I am hoping that someone can help me to get this removed from my credit like it should have been from the beginning.