davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (SC)

I've been trying to get access to my credit score from Experian for over 7 months now. I have called them several times and I still can't access my scores. I tried to pull my scores through a 3rd party app for purposes of credit monitoring and when I reached out to the app they advised that there was an issue with the information Experian was reporting. I have reached out to Experian multiple times. One time they said my information was correct and verified, another time they said their was a discrepancy with my personal information but couldn't check it because that department was closed. When I called back the morning to speak with someone in that department they said that my information was accurate and that they would send me a copy of my credit report. The last time I called was XX/XX/XXXX and they told me they couldn't help because their system was down and would give a call back, needless to say I never received a call back. I also use the Experian app and it's showing the last time my report was updated was XX/XX/2019. At this point I don't know what to do to access my report and my scores, I want to be able to purchase a home soon but have no way to find out what my credit score look like for Experian.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NC)

I purchased an item at XXXX XXXX online on XXXX XXXX, XXXX  with my XXXX debit card through Chime Bank. Order number XXXX. After receiving the item, I decided that I did not like the quality of the material and returned it back to XXXX XXXX with a prepaid label from the merchant. Received an email from XXXX XXXX on XXXX XXXXXXXX XXXX  stating that they received my return and will be issuing a refund immediately. To allow 3-5 business days. On XXXX XXXX XXXX  after calling XXXX XXXX to get a status update, I was informed that they tried to initiate a refund to my acct. and that it was rejected and declined from chime. They tried unsuccessfully several more times in the coming days with the same response. I called XXXX XXXX on XXXX XXXX XXXX and was given a transaction number when they tried to initiate this refund with me on the phone. Transaction XXXX XXXX. Message was, refused credit card, declined. I Immediately called Chime and spoke with several different supervisors with the same outcome. No such transaction on my transaction history. They could not offer me any reason for why my refund would reject. They offered to do a dispute but I would not qualify for a provisional credit. That this so called dispute could take up to 90 days. First of all, they reject my refund with no explanation as to why and then want to make me wait an additional 90 days for my refund that was due to me over 2 weeks ago. I am very frustrated by all of this and very dissatisfied with Chime at this point. I have tried unsuccessfully to reach a corporate office or any other entity to help me with this. I am asking you to please help me to resolve this. I am at the mercy of Chimes customer service agents and supervisors who are clearly not in the US. When speaking with them, Its hard to understand some of them and I feel like this problem is above their knowledge.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX. Account # XXXX Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : Bankruptcy : XXXX XXXX. Account # XXXX Account Name : XXXX. Account # XXXX
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (TX)

Upon trying to finance a vehicle XXXX XXXX  denied me and my wife a loan. They sited information from XXXX, XXXX, and SageStream. The key factors where Serious delinquency, and public record or collection filed. Time since delinquency is too recent or unknown, To many accounts recently opened. Too many inquiries last 12 months. The fair credit act states that the information on any credit report has to be 100 percent verifiable and I take issue with erroneous information on my credit report. This bank has engaged in redlining and that is a federal crime.
Consumer complaint received 2022-12-16
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXXXXXX {$530.00} XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

I called Equifax and informed them I was unable to access an up to date credit file. When logging on to my equifax the information is from XX/XX/2020 & there are no recent reporting from my creditors. The agent was extremely unhelpful & gave me the fair reporting act script. I explained that XXXX & XXXX had received my recent updates from creditors but equifax seems to have a disconnect. I have sent my ID for verification however, they are still unable to help me. This happened to my husband & we went through 6 tireless weeks to get this resolved with Equifax. After speaking with an agent in the US this was resolved within 20 minutes. However, without being prejudice the foreign customer service agents are clearly inadequate and unable to understand my request. This is absolutely diabolical that they are responsible for managing my credit and personal information & unable to help me when needed. I need to make a mortgage application but my profile can not be accessed. I refuse to give up and will try anything to get this situation resolved. When explaining to the agent creditors can not access my profile all they say is its not locked ... clearly something is wrong because creditors are unable to access my file.
Consumer complaint received 2021-04-14
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)

The credit bureau is reporting inaccurate info on my credit file.The account in question is XXXX XXXX XXXX. The late payments are erroneous because of identity mismatch. This account is being confused with a relative with the same name at a different address.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXXXXXX {$530.00} XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2021-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (OR)

Today, I applied for a Discover card which offered a rate between XXXX and XXXX depending on credit history. 

I was approved for the card, but the APR came in at XXXX!!! 

I have XXXX plus scores on all my bureaus, low DTI, 30 % credit usage or better, Credit history over 15 years. 

I questioned the Discover agent and she stated that rate came back according to all their credit factors!!
Consumer complaint received 2022-12-02
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)

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. 

XXXX : # XXXX, XXXX : 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 2021-06-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (NJ)

On or around XXXX of XXXX I sent XXXX Mortgage a packet of information describing how my identify was stolen to create a refinance mortgage by XXXX mortgage bankers. I also sent them the expert hand writing expert report showing that my signature was forged upon the documents. I also filed a Chapter XXXX bankruptcy in XXXX where as my mortgage debt was discharge in Bankruptcy court. I also made JP morgan chase aware of the bankruptcy of the discharge mortgage. They still have been contacting me to date about the debt and attempted to foreclose on my home in which at the time of the Bankruptcy they had no legitimate lien to the property. They also have " NEVER reported any of payments to any of the credit bureaus of the payments that I have made on my home. My identity was stolen, they are attempting to collect a debt I don't owe and I was never credited for any payments on my credit report from the purchase of my home.
Consumer complaint received 2024-02-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Statebridge Company (OR)

Zombie 2nd Mortgage. 
Was with XXXX. Modified loans in XXXX. They increased the principal of the first and added unpaid interest to the back of the loan as a balloon payment. I understood that all debt, 1st & 2nd was in this modification. Now after 16 years of non payment on the 2nd Statebridge Company is attempting to collect or foreclose on my home. They attempted this in XXXX and I sent a QWR requesting all information. They continue to send bills and now again, in XXXX have sent a threatening letter of foreclosure if I don't pay by XX/XX/XXXX. I am preparing to send another QWR and request them to stop any foreclosure procedures. 
Loan was originated in XXXX. XXXX XXXX XXXX. Transferred dozens of times over the years. 
I thought this was finally settled when we did a modification with XXXX in XXXX. 

Please assist. 
Thank you,
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (SD)

I received a notice from XXXX the week of XX/XX/XXXX that I had a missed payment on a Citibank card. I do not have a Citibank card. I called the company and the name and social were used but the address, phone number etc. were not accurate and the card was used at a XXXX that I had never been to. They stated that their fraud investigators would contact me and complete the claim. As of today no one has. I have called several times to Citibank in XXXX XXXXXXXX XXXX ( I live in XXXX XXXX ) and have not had any success. I want this off my credit report. It has already had me get denied for XXXX different loans. Credit Report states that the company verified it is me. It is not and the company customer service has even stated as much. Any help in this matter would be greatly appreciated.
Consumer complaint received 2019-10-05
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 — Their investigation did not fix an error on your report
Company: ERC (CA)

I submitted a dispute for an account listed on my credit that is being reported inaccurately. ERC came back reporting that the dispute was closed and the account verified. ERC is a debt collector, however they are reporting an open factoring account on my credit and by definition factored debt can't be reported by a debt collection company. This account is reporting open with a balance purposely to damage my credit further and force me to pay to remove it which is debt parking. They have also reaged the debt so it is reporting as newer. I am not confirming the debt. This account needs to be removed immediately as it is inaccurate and a violation of FDCP at this point as they have verified inaccurate information. I am disputing ever having this account as there is no contractual obligation. I dispute the reported balance of {$100.00} as this is inaccurate. I dispute the creditor classification as ERC is a debt collector. I dispute the date the account was sold to ERC. I am requesting proof that ERC purchased a " factored account '' and that this account was in fact factorable at the time of sale and complies with the Univorm Commercial Code which governs factoring. DEbt collectors are not allowed to report as a factoring company with an open status. I dispute the fact that I have an " open account '' with ERC. I dispute the reported " high credit '' in the amount of XXXX. I dispute that this account has terms and also dispute that ERC is a " Factoring Company ''. FDCPA is a " strict liability '' statute meaning the violation is permanent once committed can not be " undone '' by subsequent action. The civil liability for these violations under FRCA 15 U.S.C. 1681 n sections 616 is {$1000.00} per violation and {$1000.00} for  each FDCPA violation.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The credit reporting agency has not fully investigated properly my dispute. XXXX XXXX went on my credit report with out ever reaching out to me or even verifying the debt with me. Also, The debt was sold by XXXX XXXX who is the original creditor.XXXX has violated laws per the CFPB. XXXX tricked customers into unlawful contracts and now has sold the contracts and given away my personal information. I have provided documents that show XXXX  and the lawsuit they are demanded to pay to there customers as well as removing negative items or collections. XXXX XXXX bought a contract from a fraudulent company and I need XXXX XXXX removed from my credit report.
Consumer complaint received 2021-06-12
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. (VA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-10-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Javitch, Block & Rathbone LLC (TN)

On or around XX/XX/2019 I was served with a civil warrant regarding a debit I was unaware of and had never been contacted about. On XX/XX/2019 after attempting to contact Javitch and Block, the firm filling the suite . I sent them a certified letter requesting information about the debt and never received a response. I appeared in court per the notice and the court date was moved back two months. I have also contacted the original creditor and they could not verify the information. I have attempted to contact Javitch and Block multiples time and have never received a call back.
Consumer complaint received 2018-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I went to the bank today to withdrawal exact cash and it took 25 minutes because the bank had only 1 teller. The bank is making billions  and charging me maintenance fees and they can't even bother to have more than 1 teller.