davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IL)

On XX/XX/20, I submitted a claim for fraudulent activity amount XXXX on my account after I was assured changing my password would solve the problem only the bank never blocked charges from the service the fraudulent activity is from. I'm notified after that is something you have to request. There was no fraud protection for my account. Chime is denying resolve in this issue when I have done everything I can as the cardholder to protect my account. I have made two police reports both submitted to chime. My lawyer is revising next steps to take pressing forward.
Consumer complaint received 2024-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERICAN INTERNET MORTGAGE (FL)

I seek your assistance with ongoing discrepancies in my escrow account managed by Aimloan. Over the past several years, I have conducted detailed reconciliations of my escrow account, comparing the amounts I paid against the banks reported tax, insurance, and PMI disbursements. These reconciliations have consistently revealed significant mismatches that the bank has not addressed satisfactorily despite my repeated inquiries and submissions of detailed evidence. 

Since XXXX, I have noticed irregularities in my escrow account statements provided by Aimloan. My reconciliations indicate an overpayment totaling approximately {$20000.00} over this period. Specifically, the funds I paid into the escrow and the subsequent distributions for property taxes and insurance premiums do not align, leading to substantial financial discrepancies that remain unjustified. 

- *Primary Company* : Aimloan.com - *Department Contacted* : Mortgage Services Department - *Individuals Involved* XXXX XXXX XXXX, XXXX XXXX American Internet Mortgage XXXX XXXX, XXXX - XXXX XXXX, XXXX  XXXX American Internet Mortgage XXXX XXXX, XXXX XXXX XXXX Annual reconciliations showing discrepancies each year. 
Discrepancy Amount : Approximately {$20000.00} in overpayments. 
Communications : Multiple document submissions and correspondence from XXXX to XXXX, seeking clarification and adjustments. 

Despite providing detailed breakdowns and seeking explanations, the responses from Aimloan have not resolved the discrepancies. The explanations provided do not account for the differences between the amounts I have paid and how those amounts have been applied by the bank.
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (GA)

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2020-12-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MI)

XXXX XXXX XXXX XXXX {$390.00} opened by unknown source on XX/XX/21. 
Disputed on XX/XX/21. Returned response... account information meets fcra requirements. 

I did not open this acvount nor did I.give anyone permission to open an account. 

This account is not mine. I want it remove from all credit relating to me. Thank you. 

XXXX XXXX
Consumer complaint received 2020-12-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I'm assuming that you either didnt receive my letter on XXXX or your just ignoring me I noted in my dispute misleading and unverified accounts that were just placed on my account without 100 % knowing if it was accurate. At this point it has been over 60 days since disputing with you and I have yet to receive a response which is a violation. I hope that we can get this issue resolved quickly and get the items i listed removed from my credit profile to show my true credit worthiness.
Consumer complaint received 2020-12-30
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. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL ANGECIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IA)

Chase - J.P. Morgan Bank, N.A. 
XXXX, Ohio XXXX They have closed my account and I can not take out my checking account money ( {$32000.00} ) and retirement amount of {$550.00} for a total of {$32000.00}. Date was XX/XX/2020. I have tried many times to get my money but they are refusing. 
They have accused my Husband of money laundering and fraud. He has proven to them that is not true. They have refused giving both our money back to us. We had ( have ) separate accounts but my name was on his account as beneficiary and he was on mine as beneficiary. 

Hope you can help - my last resort is hiring a lawyer.
Consumer complaint received 2020-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (OH)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (IA)

XX/XX/2020 Western Union money transfer. 
XXXX was purchased, Western Union did not include last name on purchased amount from sender, receiver could not pick up money transfer. Approximately 15 times contact with WU has been made. XXXX XXXX grocery chain that offers WU was asked to make copies of ID of sender and receiver which was completely taken and delivered to WU. WU stated they would refund purchased amount, WU stated sender could pick up purchased amount with every time it was not done. Expedited action was to be taken again, nothing. Now they state ID is invalid, which is not true, ID was photographed and sent to WU. 24 hours ago again was promised refund, again not able to pick up. Today WU stated case is closed. This is a wire transfer company that refuses to refund our money. We have done all requirements to WU to acquire our money back. They are stealing our money.
Consumer complaint received 2020-12-30
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. (CO)

Report a collection account as fraud. The company did no investigation and sided with the debt collector. With no proof debt was owed or it was me that made the charge.
Consumer complaint received 2020-12-30
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. (OH)

Experian has prevented me from accessing my account for for inability to identify me. There is no number to call to get help. There is false ( fraud ) that the agency allowed to be placed onto my account, but offer no real remedy.
Consumer complaint received 2020-12-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AR)

I'm assuming that you either didnt receive my letter on XXXX or your just ignoring me, because i clearly noted each and every issue of the accounts that were misleading and unverified I understand that you receive thousands of disputes every day, but your website specifically states " to dispute by mail ''. At this point, i really need to see something that proves there was an independent investigation and that you didnt just toss my letter in the trash. I expect a quick response at this point with the items i deemed unverified deleted since you are in violation with it being over 60 days with no response.
Consumer complaint received 2020-12-30
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. (CO)

Report a collection account as fraud. The company did no investigation and sided with the debt collector. With no proof debt was owed or it was me that made the charge.
Consumer complaint received 2020-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mediation Recovery Center (NJ)

I got a call from a company called XXXX XXXX XXXX ) They said they represented XXXX XXXX for a XXXX XXXXXXXX XXXX XXXX and stated that I owe the balance of {$270.00} and they would settle the account for {$130.00} at the time I was going to schedule a payment but then looked at my phone and got a spam risk notification from the phone number that called me the debt collector did not verify any information did not follow the FDCPA disclosure this is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose so I requested a letter to be emailed and hung up and called XXXXXXXX XXXX for verification that this was legitimate upon talking to XXXXXXXX XXXX they stated they have no record of any accounts under my social security number, I looked up XXXX on the XXXX XXXX XXXX website and they had more than 40 complaints Each one just like the last. I Called XXXX back the representative that answered the phone again verified no information did not use the FDCPA disclosures and discussed the debt with me I advised him that I contacted the original creditor and they stated that this was a paid in full account. The representative said that I had to call the original creditor back and get a letter stating that it was a paid in full account I also asked why they didnt verify information or Follow the FDCPA. The representative said that there were already multiple letters sent I advised him that I was a XXXX at a collection agency and knew that that did not matter the FDCPA had to be followed on any communication from a debt collector. I told him that I would file a complaint with the FTC and he stated that he would take this account out of collections there was no need to file a complaint with the FTC.I ended the call there but its very worrisome that this company has Sensitive information about me
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I applied for an XXXX XXXX Credit Card on XX/XX/XXXX. It was an in flight application that was handed to me. I filled out the application and handed it back to the attendant. They placed in on a seat as I watched and I had to remind them it was there. 

Since this application date I have not heard anything. I called XXXX XXXX customer service XX/XX/XXXX and XXXX ( text ) instructions to call B of A customer service at XXXX. I then called B of A and spoke with XXXX that alerted me that no application was on record. 

I am concerned for my personal info being out there. It is my belief that the attendant mishandled my application or misplaced or lost it. It is now out there for anyone to get. This seems like a severe breach of security. 

My Flight was XXXX XXXX to XXXX departing at XXXX I would like XXXX to take action to protect me on this account.
Consumer complaint received 2020-12-30
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: Bread Financial Holdings, Inc. (FL)

Ive disputed these items numerous of times, I have asked for proof of debt such a contract bearing my signature but no one can seem to furnish me with the document requested. Every time I dispute these items it comes back verified when I request debt validation everything is at a stand still. My personal information was looked up in the Florida Unemployment System back in XX/XX/XXXX by a State of Florida employee and I was offered XXXX XXXX by the State of Florida to protect my identity for one year which ended in XX/XX/XXXX. After my XXXX XXXX ended, unknown accounts were open in my name. I now have alerts on my credit report.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

They have the wrong name wrong information. I try to address it to remove the false address. And which that examined question and I have no knowledge about. Does different credit card? Different name does not mean and which that refuse too. And I would like to just have the proper information on my credit report. That's all I want
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (FL)

There are multiple fraudulent items on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent items and they're still reporting on my credit report. 
I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.
Consumer complaint received 2021-12-29
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. (GA)

I have previously disputed with XXXX, Experian and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2020-12-30
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. ()

TRANS UNION XXXX XXXX XXXX XXXX XXXX 1. XXXX of XXXX received notice from XXXX XXXX XXXX renewal for XX/XX/XXXX would not be offered. The reason given, I had a report on file from XXXX XXXX XXXX indicating I was deceased, thus rendering my credit rating to zero. 
2. I contacted XXXX XXXX XXXX and they proceeded to correct the issue and notified Trans Union in writing ( XX/XX/XXXX ) that the file error with XXXX XXXX was in error and advised Trans Union the issue was resolved and this error should no longer affect my ratings. 
3. In the meantime XXXX XXXX XXXX agreed to renew my policy for the term XXXX. 
4. Once again to my horror XXXX XXXX XXXX sent a nonrenewal notice on XX/XX/XXXX, indicating they could not renew my policy because my credit score was again XXXX because the file still indicated I was deceased. 
5. Again I had to call XXXX XXXX XXXX but to my extreme disappointment, they indicated that their correspondence of XX/XX/XXXX, had been received by Trans Union and because these were car payments Trans union received 12 reports from XXXX XXXX indicating a perfect record, not one missed payment. 
6. Trans Union FAILED TO REMOVE THE DECEASED NOTICE XXXX XXXX from my record, thus producing the XXXX credit rating month after month in the calendar year of XXXX. 
7. To make matters worse I purchased from Transunion a monthly reporting monitoring at {$19.00}. a month. Ha, so much for that!, spent over {$160.00} to have my insurer deny me coverage because of a poor credit rating, because of Trans Unions incompetence.and omission to properly document my file, and voiding the resultant damage. 
8. I want an apology in writing from Trans Union and years free correct monitoring of my credit file. 
I turned to Trans Union to protect me, instead they XXXX XXXX
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (TX)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2020-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello, I am asking to reinvestigate the accounts that are not mine. I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you delete them. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.