davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

On XX/XX/XXXX I went to check my balance for my Chime account. It said my user ID and password did not match, so I clicked the link to reset my password. I was sent an email that contained hey very generic message, stating that my account would be closed on XX/XX/XXXX Due to terms and conditions being violated. I am mediately tried to call but can not get through, you have to have a valid account. I sent several emails, I was told the same thing each time. They cant tell me how The terms and conditions were violated, they dont have access to that kind of informationthey cant tell me what transaction it was, the only thing that they could say is that the money from both my checking and savings accounts ( {$3600.00} ) would be sent to the address on file within 30 days. I contacted an attorney, she mailed a demand letter. They claim they have not received it. 30 days passed & on or around XX/XX/2021 I used my husbands information to get someone on the phone, this is where I was told about the check they supposedly had mailed out weeks prior, on XX/XX/XXXX in the amount of {$1700.00} to be exact.

Shortly after I emailed again, and had a very failed attempt to contact them via phone as they had blocked my husbands account altogether. There is no longer an account tied to his number.

This email asked me to verify my mailing address, and since I didnt receive that check, that they canceled it & that they were mailing a new one.

Previous to the account closure my car had been used with two different merchants that I did not approve on three separate transactions. All three transactions are on the same dispute. They recently granted one in the amount of {$40.00} and claim that it was put back in my account, ( The same account they claim was closed ) denied the other charges stating no error occurred.

I had zero notice of the closure until it was done I am unable to login to see my bank statements, transactions, and they had {$4600.00} ( including the credit from the dispute that was due to post at the same time of closure )
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments to the account and in fact paid this account complete balance XXXX ahead of the loan term agreement. XXXX XXXX  Account # XXXX. Please investigate and provide proof with statement showing that this payment was late. If proof can't be provided I demand this account payments to be updated to on time as should be as I was never late. Thanks
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

: Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and FCO etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. Sincerely, XXXX XXXX
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Mel S. Harris and Associates, LLC (FL)

I was sued by Mel S. Harris and Associates LLC under XXXX XXXX XXXX, XXXX for a credit card debt incurred and signed for in XXXX, XXXX  which was my residence between XXXX - XXXX. The lawsuit happened in XXXX and was served to an address in XXXX, XXXX  that I or no relative of mine lived at anymore and I lost the judgement I was unaware existed until my XXXX XXXX ( XXXX XXXX  at the time ) account was seized in XXXX  where I then lived behind the lost judgment. I tried to resolve with the firm at the time and they were demanding more money and unwilling to settle with the funds they had already taken through the XXXX XXXX judgement. I walked away from the account and moved on. 

Sykes v. Mel S. Harris & Associates LLC was a class action lawsuit that happened between XXXX against them for the sewer service situation that I should of been a part of and was not. They settled for XXXX XXXX and that information was likely sent to that address in XXXX  also. The lost Judgement against me is still active in XXXX, XXXX  and I need it vacated since it clearly says on the judgment the server taped the subpoena to the door of an address I hadn't lived at for 7 or 8 years and was not where the debt even occurred that I was being served for. The lawyer was aware at the time XXXX  was a state I could not be sued in. 

In XXXX the case was transferred to XXXX XXXX XXXX  where XXXX XXXX XXXX XXXX  took me to court and I was granted an exemption and told to resolve the case in XXXX  so no other law firm would try to collect again. Since then the debt has moved to XXXX XXXX XXXX. I was told at that time about the judgments being vacated but now I am finding out it not and is still active in XXXX  and XXXX and simply had an exemption on it now.
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is nothing FAIR in the federal Fair Credit Reporting Act if a consumer has to pay for their OWN credit score. Why does a consumer have to PAY for their own credit score? Anyone else seems to be able to obtain it, except the consumer. This is outrageous! 
Does n't this fall under the FOIA? Is there anything really " Federal '' about the federal FCRA? If so, why am I being addressed on the phone by someone in XXXX?
Consumer complaint received 2021-07-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

On XX/XX/2021, I applied for a cash-out or HELOC loan with Quicken Loans. 

On XX/XX/2021, I followed up with them to get a decision. Their agent told me that I qualified for what I was seeking XXXX $ XXXX for repairs and renovation mainly ) based on my credit, income, and longevity with the company. I told them to begin the process.

It was midway through this that I was suddenly informed that I have to completely refinance my mortgage into a much higher cost FHA loan. I currently have a Conventional loan. I explained that at no time was this disclosed and that I was not interested in a refinance, only to tap my home equity.

This is blatant bait-and-switch that borders on, and perhaps actually is, fraudulent and deceptive business.

I immediately halted the process and chose not to proceed any further.
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

My auto loan company has refused to report accurate information to the 3 credit bureaus regarding my payment activity to them. When my account was delinquent this company reported the late payments and balance due consistently. Since bringing my account balance current Santander Consumer USA has failed to report accurate payment activity and balance information to the credit bureaus which is causing my payment activity to show negatively on my credit reports.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT XXXX XXXX***-Balance {$0.00}
Consumer complaint received 2021-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (TX)

Hello I received notification on my credit report that I have a new collection account. I never received any mail or correspondence to my request for debt validation or right to dispute. After further looking into the alleged debt on XXXX  I thought it said you have a new collection the date on the collection says I opened the account with them XX/XX/2019. If I opened an account with them they should be able to validate the information bearing my signature or a contract agreement. I haven't received anything. Then I get a notification from XXXX  stating I have a new collection and its the same account being reported twice. I don't understand how companies are allowed to do this not only are they practicing unfair unverifiable debt practices, but to be allowed to enter the same account on someone's credit report twice with the exact amount and opening date is not right. I'm currently trying to buy a home and seems like companies come out of nowhere to sabotage what I have built on my credit so far. I feel if i owe an alleged debt then you should be able to provide me with documentation with my signature.
Consumer complaint received 2021-08-13
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. (TX)

on or about XXXX I disputed a XXXX XXXX account XXXX ... with Experian in XXXX Texas because the balance was inaccurate. They showed a balance of {$1000.00} which is incorrect, I have proof the balance is {$500.00}. ( see attached ). Their response was the account was verified as accurate, they referred to XXXX XXXX account number XXXX ... ( a different account ). 
I then re-disputed XXXX acct # XXXX ... I got the same response. 
I re-disputed a third time XXXX and was told the account was verified as accurate. 
It is my understanding if an account is reported and found inaccurate, it will be deleted. Furthermore they have failed to provide the method of verification as required under your Section 611 ( a ) ( 7 ) I have proof to the contrary. I submit the last statement of the account and a letter from XXXX
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I received information that Columbia Debt Recovery inquired into my credit about an unpaid debt for an apartment lease I was assigned to me in fraud. The lease was opened on XX/XX/XXXX and signed until XX/XX/XXXX. A move out notice was given, and the move out was XX/XX/XXXX. The apt building was XXXX XXXX.
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (GA)

XX/XX/2020 2 female XXXX  stole my card and stole {$6000.00} from me. I was issued the card because I was awarded unemployment due to Covid-19 because of me having a pre-existing condition. The name of the suspects are XXXX XXXX and XXXX XXXX. They both was caught on video using my card and both was later arrested. I have provided all required documents per XXXX XXXX County Police Department and The District Attorney Office to get my money back. Way 2 Go will not refund my money and I don't know why. 2 XXXX  stole from me and XXXX XXXX XXXX has a do not care attitude. It's been a year since this happened and it has turned my life upside down.
Consumer complaint received 2022-08-11
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. (PA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 DEPTEDXXXXT XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2000.00} US DEPT ED XXXX Balance : {$12000.00} US DEPT ED XXXX Balance XXXX {$7500.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$140.00}
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Ars has changed dates to reflect a newer account that affects my credit score. I wasn't in any hospital in XX/XX/2020 but they have dates that I have
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Hello Equifax I write to you with utmost urgency regarding a matter of identity theft that. The inquiry below does not correspond to any transactions I have authorized ; it is unequivocally the result of identity theft. 
Company : XXXX XXXX Date : XX/XX/2024 A copy of my Identity Theft Report and irrefutable proof of my identity. A copy of Section 605B of the Fair Credit Reporting Act, which mandates the immediate blocking of fraudulent information on my credit report resulting from identity theft within four business days, coupled with the obligation to promptly notify the furnisher ( s ) of said information. It is imperative that you understand the gravity of this situation and the urgency with which it must be addressed. I demand that the fraudulent information be blocked and expeditiously deleted from my credit report in accordance with the Fair Credit Reporting Act. Your swift attention and resolution of this matter are non-negotiable. I expect immediate action to rectify this distressing situation and safeguard my financial integrity. Attached herewith are the aforementioned documents for your immediate action and compliance : Failure to promptly address this issue will leave me with no choice but to pursue all available legal avenues to ensure that my rights as a consumer are upheld and protected. Time is of the essence. I anticipate your immediate response and action.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I closed an XXXX XXXX account several years ago MYSELF and Transunion just now reported that THEY closed it and reduced my score XXXX POINTS! 
Again, this is willful violation of the FCRA and going in my lawsuit against the three CRA.
Consumer complaint received 2016-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

I had a lease with my apt XXXX complex and paid all of XXXX rent and had a termination fee due at the end of XXXX. The asst. manager contacted me and said if I would move out within 3 days all fees would be forgiven. The people wanting the apt needed it immediately. I received a letter from National Credit Systems Inc for {$2100.00}. for failure to pay the apt XXXX company National credit acct. # XXXX
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a notice indicating there was a change in my credit score. When I review my score, it had declined by 17 points. I checked XXXX, XXXX  and Transunion, there was not an explanation given as to why. I've continously reviewed my credit bureau for an explanation, however, there are no justifications listed as to why. This decline appeared in XX/XX/XXXX or XX/XX/XXXX. I would like to understand why there was a decline of 17 points on my score.
Consumer complaint received 2021-07-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MCU Holdings, LLC (CA)

Over the course of the last 3 days I have received several unwanted text messages and threatening/escalating voicemails from a XXXX XXXX at MCU in an attempt to collect a debt that I am unaware of and that does not show on my credit report as being held by their company ( possibly attempting to collect on older debts? ). They call from a California number ( XXXX ) XXXX. The first voicemail was left on XX/XX/2021 at XXXX and stated " Yes, good afternoon this message is intended solely for Miss XXXX XXXX, good afternoon my name is XXXX XXXX, I'm calling you from the offices of management capitol united to advise you that my office was assigned with documents currently attached to your name, your date of birth, and social security number. This is a time sensitive matter that requires your immediate attention prior to the station or escalation taking place without your knowledge. Please refer to file number XXXXX. My direct number where you can reach me with Capitol United is XXXX. My direct extension here is XXXX. I look forward to speaking with you Miss XXXX and my name is XXXX XXXX. Thank you.. The second voicemail was left on XX/XX/2021 at XXXX and stated Yes, good morning this message is again intended for XXXX XXXX. This is XXXX XXXX calling you once again from the office of management capitol united and XXXX XXXX in regards to the document sent to your XXXX account on XX/XX/XXXX. I left you several messages in regards to pending escalation here in my office contact touched your name, your date of birth and social security number at this point I was expecting a call back from you XXXX XXXX. I was instructed today to verify employment and run an asset and liability report attached to your name and social security number. If you have any questions in regards to this pending escalation please contact me back. The file number is XXXX, My direct number to reach me with capitol united MCU holdings is XXXX extension XXXX. I look forward to speaking with you and I will be in the office again until XXXX eastern standard time. Thank you.. I do not even have a XXXX account or email address so this is either a scam or bottom feeder collection agency trying to collect on an old debt that has past limitations as MCU is not listed on any of my credit reports as a agent handling a collections account under my name.
Consumer complaint received 2020-04-05
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: EQUIFAX, INC. (TX)

~In mid-XX/XX/2020, I sent a 611 notice to have information verified on my credit report. I received notice that the information will remain on my report, with " no proof provided '' that this debt was mine ~In early XX/XX/2020, I sent a 623 notice to the creditor to verify and send proof that this debt was mine and/or update erroneous reporting data on my credit report. I have received " no response '' after waiting at least 30 days for a reply. 
I have attached proof of correspondence, proof of receipt and proof of my identity. 
I am requesting prompt deletion from my report as a resolution to this challenge. 

Thank you for your time and assistance with this matter.