davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

on XXXX XXXX I spoke with the mortgage company to get off my forbearance plan. I was sent trail paper work for modification. from XXXX, XXXX, XXXX, I had to make payments on the XXXX of the month. I made each payment over the phone with a customer service rep. I called end of XXXX to see would I get any upstates on how to pay my bill for XXXX since the portal never let me submit my payments. when I called the customer service they took payments of {$1100.00}. which it says it on the portal log in. the trail paper states {$1000.00}. which i was unaware I know its my fault for not reading it correctly. I was pregnant and have a newborn baby 2months now. when I called they told me my loan was breached since I didnt make the amount of {$1000.00} and now I need to have {$14000.00}. by XXXX XXXX or else my house would be in default. I feel this is unfair I take responsibility for not paying attention but again I was pregnant with a lot on my plate. I made each payment on time on the 1st. Why didnt the customer rep tell me I was short?. they accepted each payment as if it was okay over {$29.00} dollars if I would have known I would have paid it no issue. I called Lake loan care told them and the manger brushed me off said its nothing they can do and they have to move to the next caller. I really want my home I dont wan na lose it. I asked was it anything I can do I have newborn and next month ill have to lose it all. they sent me a denial letter. but why am I being denied again over such a small amount when I paid on time It was just a confusion. also why does the loan website says XXXX when I saw that I automatically figured oh this is what I have to pay. but no they took my payments and told me once it was over I breached. can anyone help me can I keep my home? its just me working my husband lost his job due to covid and im XXXX XXXX ( XXXX ).
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (FL)

This is for a closed account. 

The company reported incorrectly late payments in several occasions. 

The company refused to give me the information about payment dues. Their website doesn't work while traveling abroad for work. I sent them many request via mail, fax, email, with no response about the issue. They never call, sent letters, etc.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Bankruptcy was not filed. Have been trying to get removed off credit reports for several months. Talked to US Bankruptcy court and they mentioned to me that the courts do not verify anything with credit bureau 's. All three credit bureau 's are stating that they are verifying information with the courts which is not accurate. Docket numbers that are listed on credit reports are incorrect. They are falsely stating that they are getting information from the courts or a third party which is incorrect and is violating the fair credit report act.
Consumer complaint received 2023-10-06
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. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this 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 and XXXX XXXX.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (NY)

On XX/XX/2021 at XXXX I received 2 emails from Chime ( part of XXXX XXXX ) stating that my account had been locked due to " an excessive number of unsuccessful sign in attempts ''. I replied to the email stating that I do not have a Chime account, I have never opened a Chime account, and any account with my name and email is fraudulent. Over the last 5 days I've repeatedly been directed to an unmanned customer service number that requires I enter my social security number, telephone number, and birth date. I've also been instructed to provide similar information, with a photo of myself holding identification, via email to the support team. With security being a primary concern I refuse to provide any of that information and have made no fewer than 5 requests to be provided with a direct line ( telephone number ) of someone I can speak with. It appears to have been " escalated '' to others on the support team, but there has been no progress towards a resolution. My concern is two fold. 1. There may be a fraudulent Chime account that is associated with my name, potentially damaging my credit and reputation, and Chime is refusing to provide any assistance. 2. The outright refusal to support, or provide a basic level of customer service leads me to believe Chime is not only complicit with fraud, but will refuse to take steps to mitigate fraud on their books.
Consumer complaint received 2021-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

I have been a victim of identity theft. For over a year now i have tried to clear my credit from all these fraudulent accounts. However Experian has been the only credit bureau that is not cooperating. They have not sent me valid documentation with there investigation. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The collection account number I'm refering too is :
Consumer complaint received 2021-10-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I have contacted the each credit bureau XXXX, XXXX, and Equifax to resolve identity theft dispute but XXXX sent letter stating they would not process my dispute after I sent identity theft report and police report and dispute letter. Equifax stated they could not find a credit report under my ssn XXXX and has two or third fraudulent credit profiles under my name. XXXX received and accepted but did not remove fraudulent accounts. 

Here are the accounts below that were opened fraudulent. 

Bankruptcy Chapter XXXX discharge Reference XXXX Amount {$0.00} XXXX / XXXX- Balance {$2700.00} XXXX / XXXX- Balance {$0.00} Dept of Education/ XXXX - Balance {$6800.00} XXXX - Balance {$1200.00}
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX no longer services my XXXX  loans and that is reflected on my account information on their website, but the credit bureaus keep reporting it even though I've disputed it several times. The new government XXXX loan servicer is XXXX with a total debt of {$140000.00}. The old XXXX account is part of this. They need to remove the {$63000.00} XXXX account. I have documents from my XXXX account to prove this. The credit bureaus should be able to access this information.
Consumer complaint received 2021-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (PA)

Monday XX/XX/21 spoke with a lady at Synchrony Bank in regards to a balance of {$3100.00} for a XXXX XXXX. She stated I had never made any payments for my XXXX XXXX with Synchrony Bank. I explained that I did and that I have bank statements proving it and that I closed the account after paying it off. She said to fax the documents showing my payments. 
XX/XX/21 at XXXX I faxed screenshots of my bank account showing payments made to XXXX XXXX. 
XX/XX/21 I call to confirm receipt of my fax. Was told yes, that it was received, and explained what was happening. The gentleman kept repeating that I owed this debt. I told him no, I dont I paid this off and I closed the credit card. I told him I was never contacted that I owed any balance and when I closed the account out there were no issues, not until I recently applied for a new XXXX XXXX and was denied. Since then I have received calls everyday in regards to having a balance. This gentleman then transferred me to the XXXX XXXX. The young lady I spoke with next stated that my screenshots were not sufficient, that they need to be from the bank on their letterhead showing the transaction to XXXX. I said it doesnt show Synchrony, it shows it was paid to XXXX XXXX XXXX I paid this through the XXXX app. 
So, XXXX now at my bank, XXXX XXXX, XX/XX/21 and explained to them whats happening and the teller pulled up my account and said its showing XXXX XXXX not synchrony. Came out to my car, called my local XXXX. Explained my situation and the lady said she had the same thing happen to her but she doesnt remember how she had it rectified. She tried putting me through to a manager, but no one ever answered.
Consumer complaint received 2021-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FAIR COLLECTIONS & O. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2023-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (MO)

I do XXXX XXXX on the side I'm on XXXX XXXXXXXX and I was given two checks that I mobile deposited into my account. after nearly 20 years with US Bank, the checks I was given bounced, and my account was closed. never had a bad check in my life anything to that extent and checks I was given from a customer they close my account. I'm on full blown XXXX. they told me in XXXX that they would close my account anything that was owed they would deduct and then mail me my {$1300.00} check. here we are pushing XXXX I mean XXXX and have yet to receive that money and they can not close my account. this is absolutely absurd and I am XXXX off and I need my money to live on.
Consumer complaint received 2021-10-20
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: Long & Foster Financial Services, Inc. (FL)

Companies or lenders obtained my personal information either fraudulently or had no authorization to request or obtain my credit report. I have tried to persuade companies and credit bureaus to actualize or update inaccurate or unlawful obtained information from my report.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

XX/XX/2021 Experian Remove the following accuracies found on my credit report : I have never been sent proper validation. 

Remove XXXX XXXX  a.k.a. XXXX, Account XXXX due to inaccuracy in dates of last payment. 
Disputes Dates of Last Payment/Opened/of First Delinquency/Billing/Closed. 

Remove XXXX XXXX  a.k.a. XXXX, Account XXXX for inaccurate information. 
Claims inaccurate information. 

The description of the procedure used to determine the accuracy and completeness of the information has never been reported to me even after numerous disputes and requests. 

Name, address, and telephone number of each person contacted regarding this alleged account was never reported to me even after numerous disputes and requests. 

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed was never reported to me even after numerous disputes and requests. 

Please remove these accounts expeditiously! 

Send me a new credit report reflecting these changes.
Consumer complaint received 2021-09-28
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. (GA)

I have a few Fraud accounts I've tried to get resolved with not promising results collections XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX no one thoroughly investigated the fraud nor removed them Identity theft was filed and asked for items to be removed but was not
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: AppFolio, Inc. (CT)

XXXXXXXX XXXX formally owned a property in XXXX, CT called XXXX XXXX. 

XXXX XXXX wrongfully evicted my family and I in 2019. Since then XXXX XXXX XXXX has ruled in my families favor as this being a wrongful credit reporting. Since the credit company ruled in our favor we were only made to pay {$630.00} out of the {$2900.00} we were reported for.

My family is trying to move but can not due to this report being on our back ground. We will soon be on the street if this is not rectified and have recently been denied several apartments due to this false report. Since payment has been made and the situation resolved I need this removed immediately. Please call me at XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXXXX/XX/year>
Consumer complaint received 2024-09-20
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP (OH)

My huusband, mother, and sister all received a call from someone stating they were from a Proescuters Office and could only speak to me. They used my maiden name and I have been married for almost 10 years. They provided a file number and a phone number. I called back and they stated they were from XXXX XXXX ( also XXXX XXXX XXXX XXXX XXXX ). They claimed I had an acount with US Bank in XXXX that was force closed in XXXX and I owed over {$1000.00} in fees. They stated they had sent me a letter and I had failed to respond and I would be summond to court in my local area to litigate this if I didn't pay it. I told them it was a scam and regarless its outside the statute of limitations. She ( XXXX XXXX XXXX said since it closed in XXXX its well within the XXXX. I told her my lawyer would be contacting her. The phone number they provided was XXXX. They said they were in California, however the number that shows on caller ID was in XXXX.
Consumer complaint received 2024-09-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such in fact debt exists
Consumer complaint received 2024-09-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Revolut Technologies Inc. (CA)

I had an account with Revoult for a year now. Randomly they shut down my account and told me to withdraw. I have {$440.00} in their robo-investing account and they will not allow me to withdraw it.
Consumer complaint received 2024-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (LA)

XXXX XXXX XXXX XXXX XXXX. 
XX/XX/year> {$430.00} XXXX XXXX sold a debt that I didnt even have to a third party ( XXXX  ) & theyre looking for me to pay it.
Consumer complaint received 2024-09-26
Product: Credit 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: Atlanticus Services Corporation (PA)

On XX/XX/year> I received a push notification of approximately {$35.00} authorized for purchase. I knew I had made these purchases. I checked my recent statements. I noticed XXXX charges made to XXXX : XXXX XXXX dating back to XX/XX/year>. Several would occur on a single day in amounts between {$1.00} and {$5.00}. I have friends in financial services and they know this is an automatic red flag for bogus charges. Aspire should have caught it. I reported the charges on that date. At first, they tried to pin it on me saying I probably lost the card or had a grandchild use it without my knowledge. The card never leaves my possession and I have no children or grandchildren. They canceled my card and reissued a new one. They said it would take XXXX weeks to investigate and up to XXXX business days to reverse the charges. After three weeks I asked why the charges had not been reversed. They said probably another XXXX hours. Never happened. Interest continues to accrue at an exorbitant rate. I just called again, this time they said I never filed a claim. Really? Why did you issue me a new card? I asked for a supervisor ( sixth separate phone call over almost three months ). For the second time in a row, I was placed on hold and the call dropped. Also, their system makes it impossible to get a full screen of the monthly statements making it difficult to track transactions and fees. 
Additionally while researching this matter, I noticed an non-defined line fees that would vary from approximately $ XXXX {$73.00}. There are lines for purchases, payments, credits, and interest. But this line had no explanation. A customer service person said this was for account maintenance ( OK, but why the annual fee ) and credit protection. I NEVER authorized this charge. I never do. This probably has cost me several XXXX in charges and interest. My dealings with Aspire leads me to believe they are a very sketchy outfit. 
Thank you for your time.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (PA)

I made a credit in the amount of {$5100.00} and the credit card company processed it as a cash advance. I am disputing the {$250.00} cash advance fee and interest charges. The merchant to my knowledge did not process this as a cash advance. The credit card company opened and then closed dispute case # XXXX since I was not disputing the XXXX just the fees without an explanation. They asked me to open another case and then refused to open another case,