davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MO)

Approximately XXXX I received an email from Chime Bank saying that they had found an unused account in my name and they needed copies of my ID my social security card and proof of where I live. I submitted everything they asked for and then on Wednesday the XXXX of XXXX they locked my account without warning. They sent an email that said I had used the wrong PINto many times ATM the and I needed to call so I did. When I spoke to the representative they informed me that it was because there were two accounts in my name I had already submitted all of the information they asked for and they had not said another word about it. I live on a social security check I'm a widow I'm disabled and elderly. Because they've done this without cause I now have the burden of paying late fees to all of my creditors. I have talked to the company and I've gotten several different people one of them told me that they could completely close my account for having two of them I explained to him that at one time I was going to use their bank but decided to go with another Bank and had completely forgotten about the original account. I asked him if they could transfer my money to another account with another bank and they would not tell me. I haven't been able to pay my rent go grocery shopping pay my utilities, nothing I don't know where else to turn. I know I wish I would have never opened that account. One of the representatives told me that they could actually close my account without warning and then they would have to mail me a check after they got it resolved and that it could take weeks there are no transactions that would cause a person to think that I was trying to do anything illegal with the account. I asked him if I can find out what my balance is and I was told no I could not. Please if there's anything you can do to expedite this so I can pay my bills this month all of your help would be appreciated. My name is XXXX XXXX I live in XXXX MO. my phone number is XXXX my email is XXXX XXXX. Thank you for your time and your help.
Consumer complaint received 2023-08-02
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)

These companies added hard inquiries to my credit report without my consent XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX CO XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX These companies added something to my credit report without my consent and i am not aware of what some of these are XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

Today I got notifications from XXXX and XXXX that my score went up, XXXX raised my score XXXX points and is currently XXXX, XXXX raised my score and it is currently XXXX, Transunion dropped my score XXXX points and is XXXX. This has happened before with both XXXX and Transunion but I called and they fixed it. This time however, Transunion said that there is never a mistake with the score and would not even try to investigate or assist with why it happened or what went wrong. I realize that there will be differences in scores from time to time but it is always within a few points either way. not XXXX to XXXX points difference. I don't know what causes these mistakes but like I said it has happened before and they fixed it with a phone call, so I'm not sure what's going on but the disparity between scores is drastic and I want them to review it and fix it.
Consumer complaint received 2017-05-10
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: Credit Plus Inc (PA)

XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX This company checked my credit on XXXX XXXX 2016, when I had not filed for credit or changed any credit. This lowered my score.
It is like talking to the wall when you call them.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (FL)

To whom it might concern : My Name is XXXX XXXX, I would like to file a complaint due to a huge mistake PNC bank did which affect severely my credit score from XXXX to below XXXX hundreds. 

Here are the facts : I bought in XXXX an XXXX XXXX XXXX at XXXX XXXX XXXX XXXXn XXXX Florida, a year later, I traded in the car for another XXXX  at the same dealer. The dealer payoff the debt to PNC Bank. 

PNC Bank said that they sent me many letters since there was an outstanding payment, by the way, the payments since day one was under the autopay system. Also, I moved from XXXX, Florida to XXXX, Florida in XX/XX/XXXX. 
PNC bank never sent me nor called me to arrange the outstanding Payment once I saw my XXXX XXXX down, I found out the reason, the reason was that PNC Bank reported as a delinquent account without letting me know, after many months of a horrible service from PNC Bank, and talking to more that 10 employees, finally I got a letter saying that it was paid off. Also, I sent them a payoff letter from the dealer. Today another employee called me saying that the payment wasnt done. I paid to avoid keep on damaging my credit. I am attaching a pay off letter from the dealership, you will see that the dealer overpays the paid off and return a check to my old address, you can check my XXXX XXXX and I have never ever missed a payment. 

Please remove all the damage that was created by PNC bank if you need further info, please contact me. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (CA)

XXXXdept of Ed has reported multiple student loan accounts on all 3 credit bureaus that do not belong to me. I have contacted XXXX I have contacted all three credit bureaus to request that they delete these fraudulent accounts off my credit reports. And they have failed to do so. 

I have an account in the amount of XXXX open XXXX I have an account in the amount of {$3500.00} open XXXX, XXXX  I have an account in the amount of {$1200.00} open XXXX, XXXX  None of these accounts belong to me and I would like them removed from my credit report under the fcra I have to right to have these items removed.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed. This is not only effecting myself, but my children and family as well. 

I sent the a letter by on the XXXX of last month. Today is the XXXX of XXXX and still, no response or changes.
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (MS)

Experian has refused to investigate disputes I have tried to file with them. I have provided copies of their refusal with this complaint. If these accounts that are listed in the copies that I have uploaded are not removed I will be forced to sue Experian and the CFPB per violation. 

I have privacy rights under 15 USC 1681 I didn't give Experian written permission to furnish the accounts and to refuse to investigate is down right illegal. They violated my rights numerous times.I demand you remove the accounts.
Consumer complaint received 2023-05-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

Hi my name is XXXX XXXX i'm writing to see if i can get help with getting a late payment off my credit report. On XX/XX/2021 this mortgage was paid off in full. Im writing to see if this account can be deleted from my credit permanently. On XX/XX/2021 I had a late payment, but being that this account is payed off i feel that this late payment should be deleted off my credit. I reached out to XXXX XXXX  but they were no help Thank you. 


XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I just started to look more closely into all three of my credit reports and I noticed a lot of negative and false information and accounts on all three that are not correct. Starting with Transunion credit reporting I have XXXX hard accounts that are against that report and XXXX soft accounts that are affecting my score as well. I have tried to send letters to them stating that they were going against the FCRA codes, the exact codes they are going against is 15 USC 1681 Section 604 as well as 15 U.S. Code 1681n ( b ). Those account amounts that are affecting my score is {$2500.00}, {$1100.00}, {$920.00}, {$550.00}, {$700.00}, {$490.00}, and {$6500.00}. Everything I sent them proving this violation came back as verified and they would not help me fix them. Now, going into XXXX credit reporting I sent the same letters and the violations they were going against which are the same laws as stated above for transunion and they all came back verified as well. Those amounts that are affecting my report for XXXX are {$2600.00}, {$500.00}, and {$200.00}. Lastly, XXXX  is going against the same rules as stated with the other credit bureaus and all came back verified as well. Those amounts that are affecting my score are {$2500.00}, {$1100.00}, {$920.00}, {$550.00}, {$700.00}, {$490.00}, and {$8.00}. I have sent letters to all three bureaus stated above with the account amounts and the laws against them and nothing has been done about it. I am just trying to get my credit score up to buy a house for the first time and be able to eventually get a loan or credit card. I have XXXX small children and just went through a terrible divorce and just want all these items fixed immediately so I can move on with mine and my children 's lives,
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I have been in the IBR repayment plan for probably a few years now. In XXXX of 2016, I reapplied and only received a response from Navient in XXXX, 2016 that my application was received. I did not receive any other correspondence from them until last week when I received a letter with a payment booklet stating that my payment would begin in XXXX in the amount of just under {$800.00} per month! I called to inquire about the status of my application and was told that my application was rejected because a " box was incorrectly filled out ''. Again, I never received any notification of this. I asked if I could amend the application and was told that I would need to reapply and that my account would likely go into default in the meantime. This has happened every single time that I have sent in any application to Navient. It either is not processed, lost, or claimed to have not been received. 
Additionally, I have previously requested ( I believe from XXXX XXXX - before the account was transferred to Navient ) verification of the debt, including all signed promissory notes, and a full accounting of original debts with all fees and interest detailed. I have never received that information. I would also like to add that I have been completely mislead about these loans from day 1. I was never explained anything about the interest rates, loan terms, repayment options or anything of the like. This trend throughout the life of this alleged debt has not changed. Supposedly, my initial borrowed amount was around {$22000.00}. It has now escalated to {$65000.00}! In previous years, during financial hardships, I was never offered any other option other than request forbearances and deferments. With that, I was not relayed that interest would accrue, or the rate at which it would. I found the IBR program on my own. It was never presented or offered to me. I was never informed that any interest would accrue while in the IBR plan. I sent an inquiry to Navient a week ago asking what I need to do to reapply, but ( as usual ) have not received a response. I am so furious and confused that the original ( alleged ) amount borrowed of $ XXXX has now escalated to over $ XXXX, which includes a recent addition of {$9000.00} in interest! This makes no sense, and in my opinion, is absolute robbery! What can be done to improve the communication with Navient? What can be done to make these loans more affordable? With student loan debts surpassing credit card debt at over a trillion dollars, this is a crisis that needs better options that the ones available - and definitely a better loan servicer, with two-way communication - other than Navient.
Consumer complaint received 2021-10-23
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 HAVE FOUND INFORMATION THAT I BELIEVE IS FRAUDULENT IN MY CREDIT REPORT THIS INFORMATION IS DEROGATORY AND DAMAGING TO MY CREDIT. PLEASE HELP ME TO CLEAR THIS ERROR.
Consumer complaint received 2017-02-09
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (AK)

Both Fed and non Federal loan should be able to be checked, I have both. I was injured on the job and because my employer chose to keep me employed and use the feral program for reeducation before my separation was forced, I ended up with both problems of having to fund my own and use loans as well as face unemployment with injuries. XXXX with XXXX with time. This was known to the first application then sold to the next holder and always mentioned by myself to the originator and have not for so many years been offered help to apply for forgiveness of some kind if at all available only to differ under forbearance. All the while the state has full overview of my case seeing that it was to provide for medical care for life yet the private and the state insurance are and where both the same ... ... .I have been manipulated by the legal hoops that lead to help and the state regularly through the private section controvert me regularly. Upon the provision of the state know that the case is for life. Also particular to my case there is no primary designated to oversee any needs or forms they knew this at the time of agreement. Any how I have regularly attempted to go back to school and finish some course work regularly but have struggled more recently with time elements. and funding even for tuition that would have been covered by the employer had they not snubbed me, scrubbed me, forced me to resign. Some thing stinks and this is only the short outline of happenings. Thank you Regards
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS RELIABLE LENDING LLC (WI)

I am attempting to refinance a rental property with a mortgage lender. I paid {$800.00} for the appraisal. I was advised that the numbers the appraiser came up with does not accurate. I was then told that someone from their company completed a collateral data analysis and the amount that they came up with would be more accurate of what the home is worth. The difference with the appraised amount and the analysis is {$28000.00}.

This looks a lot like redlining to me. They are not using the appraisal that I paid for. This lender hired this appraiser but refuse to accept what he/she has valued the property.
Consumer complaint received 2019-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

I placed a dispute with XXXX, as I returned the items to them and they received the packages as shown by tracking numbers. 

I called them a dozen times and spent hours and hours but nothing came of it. 

I disputed the charges and I lost, reason is they sent the invoice and tracking that shows I got it. 

I know I got!! But I do not have it now as it was returned. 

I spent hours and hours with XXXX but no one is home to help. 

XXXX Dispute reference numbers : 1. XXXX ( 3x XXXX XXXX XXXX XXXX @ {$310.00} each + XXXX XXXX @ {$440.00} ) 2. XXXX ( 1x XXXX XXXX XXXX XXXX @ {$310.00} ) Total {$1700.00} Do not tell me to call XXXX and re-dispute as I have been with this and tried and it will keep getting closed in the merchants favor since it shows delivered to me, and of course XXXX never cares to read any proof I send and upload.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (GA)

I initiated a dispute in XXXX to Equifax due to my balance and account status not being reported correctly. As of today 's date the account still is not showing my correct balance or that the account is current. On XX/XX/XXXX I spoke with XXXX at XXXX and XXXX XXXX Customer service and she advised that XX/XX/XXXX they sent the credit bureau the correct account information showing that the balance was {$180.00} and that the account was current. I was advised to contact the credit bureau by the company. On today I received notification from Equifax that their investigation has been completed with the following remarks : We have researched the credit account. Account # XXXX The results are : This creditor has verified to OUR company that the balance is being reported correctly. This creditor has verified to OUR company that the high credit/credit limit is being reported correctly. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX XXXX, XXXX MO XXXX Phone : XXXX I was advised to contact the Company by the credit bureau although they are reporting incorrect information. This should not take another 30 Day dispute as the correct information needs to be reflected on my account as this is impacting me negatively as the information is not being reported correctly after disputing with the credit bureau or contacting the company.
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NC)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft.