davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-20
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: Chime Financial Inc (NY)

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$1300.00} Dear XXXX XXXX, Weve completed our investigation of your billing inquiry, and weve determined that no billing error occurred. 
The disputed amount, {$1300.00} will be included in the payment amount due on your next statement as of XXXX. 

We apologize for any inconvenience you may have experienced. You may request a copy of the documents we used in determining the final outcome of the investigation at XXXX. 

Sincerely, Chime Disputes Team In 24 hours they finished dispute I refuse to lose my hard earned money
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Knight Adjustment Bureau (UT)

There are lots of stuff on report that I've never seen before and every amount on accounts is totally highger and are hiting my report 6 diffenrnt times with one account I don't understad why my account info was givin to another company with no knowledge
Consumer complaint received 2021-06-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2021, ,Continued Issues With This Company,,, ( Wells Fargo Bank XXXX,, XXXX XXXX XXXX ,From, ,Wells Fargo Remediation Program , , Administrator, ,Mid XXXX, XXXXWe Talked On The Phone,, And He Went A Few Things With Me About,, Some,, ( Unauthorized Accounts,, That Was Open In My Name, ,And My, ( Deceased Parents Name,,,, Then In XXXX I Received About ( 5 ) Pieces Of Mail From This Company And There Was A, ( Small ) Check For {$19.00}, ,I Will Send Copies Of Everything That I Have, ,And I All So Sent In, ( ( A Special Request,, Letter, ,For XXXX Dollars,, I Will Be Sending A Copy Of My Request
Consumer complaint received 2023-07-27
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. (FL)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX {$970.00} 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. 
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 : transunion, XXXX, XXXX Please take notice that this letter dated ( XX/XX/2022 ) 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 2021-08-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

my income was lost due to Covid-19 ... .. the mortgage company put me in the forbearance. program ... I year later i was told my loan does not qualify for any type of forbearance. 
My property is in XXXX XXXX NV - city that was hit the hardest- I have filled many mortgage assiistance application only to to be denied. Im Working now requesting assistance and still having problems with my mortgage co. I have owned my home for 25 years.. what happen to HELP.. NO ASK FOR A PANDEMIC ... folks are losing their homes and its not fair ... 
My complaint is with Carrington Mortgage!!
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I got a copy of my credit report and wanted to dispute some accounts. I sent a letter to XXXX  disputing the bankruptcies on my report on XX/XX/2019. I was disputing them according to Section 609 ( a ) ( 1 ) ( A ) -XXXX is required by law to verify through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report. They failed to provide Verifiable Proof ( as original Consumer Contract with my Signature on it ) Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed on the dispute. 

I received a response from XXXX on XX/XX/2019 stating that they verified all accounts and the items is being reporting correctly.. I did not agree so I sent a second letter to XXXX on XX/XX/2019 requesting they show proof, because they had not provided me a copy of ANY original documentations required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I got no response from them. So I sent them no response letter on XX/XX/2019 because it has been more than 30 days and I had not received a response. I received delivery confirmation that XXXX  received my letter on XX/XX/2019. In accordance with s.1629 ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau. I requested that they immediately delete the disputed information from my credit report. 
I got a response on XX/XX/2019 from XXXX. They had removed only ONE of the bankruptcies off my credit report. I did not understand why only ONE of the bankruptcies was removed from report. SO I sent another letter to XXXX on XX/XX/2019 disputing this bankruptcy. I am now filing a complaint because XXXX should follow the law when reporting to items to people credit reports. I would like items to taken off my account immediately.
Consumer complaint received 2018-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MI)

I reached out to XXXX XXXX XXXX about this account from XXXX XXXX. XXXX XXXX XXXX doesnt have any signed signature of mines or a signed contract. I have disputed this account with all 3 CRA there was no form of verification with my signature or contract. I asked XXXX XXXX XXXX to provide me with a original signed contract with my signature they have yet to send me anything. I also reached out to XXXX XXXX and they dont have an original signed contract with my signature either. This document that I submitted is all the information XXXX XXXX XXXX sent me nothing with my signed signature or original contract.
Consumer complaint received 2022-04-30
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. (GA)

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. 
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, XXXX, equifax Please take notice that this letter dated ( XX/XX/2022 ) 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 2018-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/2017, I paid Capital One {$1200.00}, representing a timely and full payment of the previous balance on my credit card account, yet contrary to banking laws and the members ' contract with Capital One, I was charged {$17.00} in interest on the following monthly statement -- literally an interest charge on a XXXX balance. I have written Capital One several times about this matter with at least two letters informing XXXX XXXX or her office. Two responses from XXXX XXXX denied any wrong doing.
Consumer complaint received 2022-01-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I do not have a contract with Porfolio Recovery so they will need to remove item from credit report. I have no knowledge of this company and if they bought a debt then the debt is paid but i dont have any contractual obligation with them.
Consumer complaint received 2022-04-30
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. (GA)

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. 
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 : transunion, XXXX, XXXX Please take notice that this letter dated ( XX/XX/2022 ) 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 2021-08-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (DE)

We applied for HELOC on XX/XX/XXXX. We were prompt with submitting the documents, but kept getting asked the same exact question about the difference in my XXXX vs XXXX income over and over again with no explanation why they kept asking. I gave the same answer every time. I had to demand that someone tell me what the difference was that they had an issue with, and none of the phone reps that I spoke to could tell me. After months of back and forth, it turns out that the underwriters ( multiple at this point ) did not look at all of my documentation, as I had uploaded multiple w2s for XXXX  as soon as w2 was requested in the very beginning of the process back in XXXX. This caused a significant, months-long delay and our contractor estimate expired for the work this credit line was for. Of course since material costs have gone up significantly, my new estimate has almost doubled. 

Secondly, I spoke with a rep on the phone, who scheduled our closing. The day before our first scheduled closing, the account rep ( different person ) called to schedule our closing. I informed him that we already had it scheduled for the following day. He replied that it wasn't scheduled and we couldn't close because the underwriters needed 3 days of notice. Fine, I rescheduled again, and this time - the day before - I was sent a request for most recent paystubs. I had provided these on three different occasions the first times we were supposed to close.

All of the details are documented in my account portal with Santander, and I'm sure there are plenty of phone records. This has caused me financial loss, and has damaged my credit significantly. The credit authorization I provided in the beginning had expired, so they ran my credit again without authorization.

I also suffer from severe XXXX  and other related XXXX XXXX that I don't want to disclose here, and this experience has caused me undue suffering and has been overall detrimental to my XXXX.

I have attached email correspondence, but the majority of the information related is logged in Santander 's systems.
Consumer complaint received 2021-06-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (TX)

On Saturday XXXX XX/XX/2021 I my phone was legally access and my XXXX account was use to clone my phone during the time my phone was cloned my Robinhood account ( RH ) was access from a XXXX device in NY according to my XXXX account information. 

during the illegal access All my crypto currencies were sold and and a possible cash advance due to a sell of doge coin for XXXX dollars, at this moment I only had XXXX on my account. 

I contacted XXXX XXXX via email this is the only they do not have a customer service number, on XXXX XX/XX/2021 reading the account access do to my email not been recognized to reset my password Robin Hood ( RH ) at XXXX CT they replay with Case Number : XXXX then again at XXXX Case Number : XXXX I received an reply on XXXX XX/XX/2021 XXXX to verify some account information My first and last name, The last 4 digits of Social Security Number. Your phone number and Your date of birth I reply XXXX XX/XX/2021 with the requested information and my phone number They reply Mon, XX/XX/2021, XXXX with this message. 
" It looks like the information you provided doesnt match your account details, so well need to verify your identity with a valid government-issued ID to move forward. 
Please upload photos of your ID card ( front and back ) or passport ( picture page ) and then reply to this email so we can help with your account. '' and a secured link to upload the data I follow the instruction and uploaded the data. 

It have been more than 24hr I have send them about 13 email to Robin Hood who does not have a contact number, all via email unsuccessfully
Consumer complaint received 2018-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (VA)

we went into wells Fargo to close all of our accounts due to there practices we successfully closed all of the accounts or thought we did the bank and there credit card department even told us they were all closed and the amount 's we had to pay to close all of them. we paid the exact amount they gave us on XX/XX/XXXX at a local branch and via phone with credit card department at the local branch. we even ask if all of out accounts were closed and the card was cancelled and we were told yes. today XX/XX/XXXX we received a notice from them telling us that there is an outstanding balance of XXXX so I call the bank. to find out how we could have a balance outstanding when we took extra effort to insure that all moneys owe was paid on XX/XX/XXXX.. they inform us that they did not inform us of a pending transaction that hit the account the exact same day we closed the account an we still owe XXXX for a transaction that took place after the card was closed. I ask for specific 's of day and time this transaction took place all they could tell me was it took place on the XX/XX/XXXX some time after we closed the accounts
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

I called Equifax twice and went through a long validation process to unfreeze my account. I also enrolled in XXXX XXXX that shows my account is still frozen. I am not able to apply for credit when it's still frozen against my wishes. This 2nd time I called equifax, I told them to unfreeze my account until XX/XX/2018 and it has not even been unfrozen. Please help.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

After disputing items on my XXXX  report I received another alert of reinvestigation updates from Experian. Disputes referencing fraudulently activity within creditor operations and the credit bureau has caused my consumer file to reduce 100 points from XX/XX/2017. 

Experian allows creditor to update not additional information but to fill in additional derogatory statuses from the date account was closed and charged off. Stating they take the Creditors word and have the right to decline reinvestigation
Consumer complaint received 2021-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

ARS Account Resolution Services has reported a collection account to my credit file in the amount of {$69.00} to my XXXX credit file. ARS Account Resolution Services has never sent me a notice of collection to notify me of any alleged debt. Therefore, attempting to collect and report this debt to the credit bureaus is a violation of the FDCPA. This debt is not valid thus ARS Account Resolution Services has no legal right to report this to my credit and attempt to collect a debt. I never authorized any debt in the amount that XXXX XXXX is reporting. By reporting a debt to my credit without validation ARS Account Resolution Services is in violation of the FCRA.
Consumer complaint received 2022-01-13
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. (MD)

I have been disputing the inaccuracy of the Public Record which is being reported within my credit report. Equifax credit file dated XX/XX/XXXX verified through their third party vendor, XXXX that this item has been reported correctly. I was able to obtain a copy of my XXXX report case number XXXX dated XX/XX/XXXX ; their resolution : after a reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your XXXX report. I not understanding, why, this bankrupcty remains in my file after XXXX have REMOVED/DELETED this item. Therefore, this Public RecorXXXX should be DELETED immediately from my credit report.
Consumer complaint received 2021-08-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I had a bankuptcy removed from my file along with all other positive information on my credit report. On XX/XX/2021 this happened and despite the information being all very positive.my score dropped 23 points. ON XX/XX/2021 an agent told me an investigation was being started on why the score the dropped. I called for a status check today and was told there is no mechanism to dispute/investigate an unexplained score drop. They will tell you there were hard inquiries but those were all subsequent to the score drop.
Consumer complaint received 2021-06-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC (NY)

on XX/XX/2021, i sent CONTRACT CALLERS INC. a letter for a alleged debt of XXXX that i do not owe nor have any business contacts with him.I requested the validity of the debt on XX/XX/2021 and has not heard from them as of yet.