davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

My name is XXXX XXXX XXXX. I previously provided legal documents to each of the three credit bureaus attesting and verifying this fact. XXXX XXXX XXXX. Again, I attach verifying documents as requested by XXXX, XXXX XXXX, and Equifax. I do not believe the errors in my credit report by mistake. My last name is not, XXXX, but there it is listed in my personal information. I demand strict proof that my name was reported as such, contrary to the CBI position. I have been told the credit bureaus can not honor my prior complaint/request or portion of it based on a limited amount of information. Yet these are the very same credit bureaus who have previously stated they conducted a thorough investigation of my complaints, so which is it? Each of the credit bureaus states their role in the dispute process is to review the accuracy and completeness of any disputed item to which I demand strict proof of their review, accuracy, and completeness. XXXX continues to falsely report past due payments on accounts that have been closed, written off, discharged and forgiven. I demand strict proof of their original investigation into the underlying fraud associated with the use of the XXXX cards. XXXX XXXX  continues to report two late payments on my car payment to which I demand strict proof of these delays, lapses or delinquencies. Equifax claims they are unable to locate a credit file for one of the following reasons. If this is the case how is it that Equifax is reporting credit inquiries on my credit report, continues to fraudulently report the XXXX, XXXX XXXX fraudulent reporting and more. Further, why is Equifax XXXX sending a response to my complaint when the Equifax office in XXXX Georgia has traditionally responded? XXXX XXXX continues to fraudulently report a chapter XXXX bankruptcy that was dismissed without discharge in violation of the law. How is it that CFPB can not get their enforcement act together and appropriately address these matters? I guess corruption pays the better.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-09-07
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. (GA)

I advised that I did not authorize any of my personal information such as payment history, Balance, and more to anyone. The credit Bureau advised that they would get back to me and then sent me an email stating that they have the authority after I asked them for the wet ink signature that I signed with them or the company they are reporting on behalf of. They replied stating that by law they do not have to when their privacy policy states that they keep a copy on file of the signed consent. 
I am requesting that Equifax, XXXX XXXX and XXXX. Provide me with the written agreement that I signed in blue ink that authorizes them to report accounts .... 
XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. All XXXX loan information. 

PROOF OF POSTAGE - XXXX ( equifax ), XXXX - XXXX, XXXX- XXXX.
Consumer complaint received 2022-03-03
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. (AZ)

My FICO with experian went down from XXXX to XXXX after they reported a late payment that does not exist wit XXXX XXXX XXXX. I have never had a late payment in my credit history. I tried to do a dispute online, and their site as not working, I called them, and call the with my Experian account in front df me with a open Credit Report as of XX/XX/2022 and the person at the other end tells me that there were no late payments in my report. I explained to him that the decrease in my Credit Report was also showing in MyFico site, and he kept insisting that at his end everything was fine and he could not explain why my Fico Score decreased more that 50 points. As asked to dispute the Negative mark in my report and he told me that he could not do it. So I asked to talk to a supervisor, was put on hold for 30 minutes and no one answered. So no dispute, no late payment in their report, late payment on more and I lost more than 50 points in my CR. I anyone in Charge?

This may have happened because we had a serious car accident, XXXX told us to stop the payments, actually the account shows as CLOSED in my report. ( See attached XXXX XXXX ). When I talked to the they show the account as OPEN????, even though in the report in front of me shows up as CLOSED
Consumer complaint received 2022-09-07
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. (NY)

XXXXn is reporting on my credit that I have an account with XXXXXXXX XXXX. I have no knowledge of that account at all. I contacted both XXXX  and XXXXXXXX XXXX to remove that claim off my report. The account number associated with their claim is XXXX. 
XXXX also reports that I have an account with security credit services, I don't have any knowledge of that account. I mailed and called them to make that dispute and I was told that the couldn't find and information that I have an account with them. So I was confused as to why XXXX would say I do. 
Also Equifax is reporting a fraud report and so is XXXX Equifax and XXXX have those fraudulent credit report as well as a extra fraud claim from collections bureau stating that I have an account with XXXX when I ask for the so-called account number associated so I can dispute it as fraud they told me the couldn't find my account number using my social security number. That they would need my phone number associated with the account but I told them I wouldn't know that number if I didn't make an account with them to begin with.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MN)

I have tried to submit numerous disputes with XXXX XXXX company in regards to the misinformation on my credit report. There is several things reporting inaccurately. I can provide documentation, I have asked for this account to be DELETE immediately.
Consumer complaint received 2020-06-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION (TX)

I have tried several times to send money from my Navy Federal Credit Union account through XXXX to someone for business purposes, and instead of the instant service and payment like every other bank account that I have, it has taken now 3 days to get this money to my employee and caused multiple problems!!!
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

A payment was made to XXXX XXXX in XX/XX/2022 for {$1400.00} for payment in full. I have a copy of the cleared check. The account still appears on my credit as unpaid. I have made several calls and filed disputes with the bureaus to which they reply it is unpaid. I have sent copies and they still refuse to remove this account. Clearly a violation of the FCRA, not to mention the attempts to collect on a debt paid 2 years ago. I would like this completely removed from my credit as it now has caused issues with my score and prevented me from obtaining other new lines of credit and as a young professional now is the time for me to be building my credit
Consumer complaint received 2022-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (TN)

On XX/XX/2022, after attempting to speak to a supervisor from XXXX at three different intervals, XXXX, a female that I didn't get to have her name, and XXXX while assured someone would call me back within the hour after speaking to XXXX, the other two agents informed me that " no supervisor was available today. '' I wanted validation of debt and breakdown of charges as this account was opened under fraudulent circumstances to which XXXX was made aware months ago. 
XXXX informed me that XXXX no longer owned this account and could not look at the lease agreement and advised me to contact Afni. 
I was not provided anything to prove that this was my debt by XXXX or Afni especially prior to reporting to the credit bureaus. 
It seems that XXXX bills for fraudulent third party charges, as well. 
The attached leases are NOT MY signatures, nor am I a junior as I am female.
Consumer complaint received 2022-03-03
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. (MI)

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned item lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, is the item they failed to verify : XXXX XXXX XXXX Balance : {$860.00}
Consumer complaint received 2022-09-07
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. (TX)

On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidence as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : 1. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX XXXXriginal Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX ) Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2022-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grain Technology, Inc. (CA)

I recently bought a copy of my credit reports and to my surprise and without my knowledge, there is an account reporting on my credit that does not belong to me. I recently contacted the creditor Grain, and they could not verify the debt was mine at all yet it is reporting on my credit report. This account was digitally opened by someone and now it is reflecting negatively on my credit reports. The original creditor can not verify that the account belongs to me and i do not believe i should be penalized for actions i did not commit.
Consumer complaint received 2024-01-27
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 (WA)

I made a one-time payment of {$80.00} to my internet provider XXXX XXXX on XX/XX/2024 with my Chime debit card. The payment failed, I made XXXX more attempts with the same card to pay my bill. None of the XXXX transactions are successful on XXXXXXXX XXXX XXXX system and show as " failed ''. I call Chime and and they assure me that these transactions won't post and my money will return. 

I see the transactions pending on my Chime account and I wait for the money to return to my account. On XX/XX/2024 these XXXX pending transactions post. I did not receive service for any of these transactions and when I contacted XXXX  I was told to reach out to Chime to dispute the charges. 

I immediately call Chime on XX/XX/2024 and start the process to dispute the transactions in the amount of {$400.00}. XXXX weeks into their investigation they start denying the disputes. The merchant never received the funds, yet Chime doesn't want to return MY money. 

I have tried being patient and working with Chime and XXXX for a resolution. I'm getting nowhere and need help. I will be sending proof in the attachments.
Consumer complaint received 2022-09-07
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: AMERICAN EXPRESS COMPANY (CA)

I upgraded my AMEX XXXX  XXXX XXXX card to XXXX  XXXX  XXXX card in XX/XX/2022, with a promotion 'spend {$1000.00} in 3 month and get {$150.00} credit '. I met the spending requirement early in XX/XX/2022, and the credit is still not posted now ( XX/XX/XXXX ). 

I chatted with the customer service multiple times since XXXX. Each time they could confirm that I have met the requirement and they can see I have earned the bonus. At first they said the credit will be posted in XXXX, then told me to wait 8~12 weeks. Now is way more than 12 weeks. Later in XXXX they claimed that I didn't met the spending, even though they confirmed that I have met the requirement several times. And I can confirm that I met the spending requirement. I attached my transections since XXXX 2022, and you can clearly calculate that my spending minus returns and other credits is {$1000.00}. Note that the credit on XX/XX/XXXX is balance transferred from my other amex account. It is not a return or other credits.
Consumer complaint received 2022-03-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (PA)

I closed on a mortgage refinance with Rocket Mortgage XX/XX/XXXX. XXXX handled the closing and has yet to record the mortgage. The refinance was also removing my ex-husband. I reached out to XXXX client relations and Rocket in XXXX and was told the original recording was rejected for an error. After a lot of back and forth they informed on XX/XX/XXXX that the recording and quit claim had been submitted. A property search and county recording search still do not reflect this. I sent a follow up email XX/XX/XXXX with no response. I advised them that if they did not respond I would report to CFPB. I had been trying to get a home equity loan and could not without these. Now the credit has expired and would need another done. This adversely effects my credit and has put a strain on me and my ex-husband.
Consumer complaint received 2022-03-03
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. (MI)

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-02-01
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. (TX)

I have provided Transunion with a dispute letter via certified mail on XX/XX/XXXX involving inquires and inaccuracies on my credit report. The agency has not taken on my dispute, but instead chooses to send me a letter of additional services that they provide as a company on XX/XX/XXXX. The letter was sent to the address posted on the consumerfinance.gov website; TransUnion LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX.
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/XXXX, I opened a secured credit card with Capital One current amount {$600.00}. Never had any late payments or over limit. Capital One provided free credit monitoring. In XX/XX/XXXX I opened a secured credit card with XXXX XXXX who checked my credit. Capital One credit monitor sent an email stating there was a change in score. On XX/XX/XXXX, I received email from Capital One stating they were sending a new card XXXX XXXX with a tracking number that showed the card had been sent to an address in Maryland. I have never lived in Md. or used an address in Md so I immediately called Cap. One. They said my old card was closed and not to use it. I could not log in online to make payments as usual. They reported the Md. address to all three credit bureaus. I talked to three people one of whom directed me to go a bank and call back. When I called back from a bank I was told to send in a utility bill to prove my address. They could have said that on any phone. On XX/XX/XXXX, I replied to the XX/XX/XXXX email and told Cap 1 to close the account and to send payment statements by mail. A few days later I received in the mail from Cap 1 addressed to me a solicitation to open a new account Towards the end of XX/XX/XXXX I  called to make payment and spoke to gentleman with heavy XXXX accent who refused to accept payment due on XX/XX/XXXX. On XX/XX/XXXX, Cap 1 credit monitor alerted me to change in score. I learned my score went down XXXX points because Cap 1 reported 30 day late payment.I believe Cap 1 did all of this because I opened an account with XXXX XXXX.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP (SC)

I had a delinquent account with Republic Finance on my XXXX and XXXX credit reports ; it was turned over to a collections account with XXXX. 

I settled the account in full with XXXX to satisfy the delinquency. They have not removed and/or updated the account as promised. 

I have included the letter from XXXX showing they received the payment on XX/XX/2023 and Also I have the satisfaction of judgement letter that Republic Finance , LLC filed with my local magistrate back in XXXX.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, I deposited {$1600.00} into my Bank of America account in preparation for a flight outside of the country. I received a receipt of this deposit and stored it along with my debit card in my wallet phone case. The following day on XX/XX/XXXX, I mistakenly lost my phone while out purchasing food. I immediately tried to access my Bank of America account online through a computer in order to lock my debit card. Bank of America asked to verify my login by using my phone number but it was impossible for me. They did not allow me to verify my login using my email. I tried calling them through an alternative phone but I was left on hold or a representative never called back. On XX/XX/XXXX, I obtained another phone and transferred my phone number and it finally allowed me to verify my login with Bank of America. Upon opening my account I immediately locked my debit card and noticed a purchase for {$1600.00} dating to XX/XX/XXXX, to a vendor I have never used before. At that very moment I called Bank of America and started the process for the fraud claim. They sent me a new debit card and promised that I would receive my stolen money back since I was not liable for the purchase since I did not have access to my phone at the time. On XX/XX/XXXX, they sent me a message stating that my money would not be returned and the claim was closed. I asked them for more information but they only gave me a basic answer that the transaction was authorized, even though I clearly stated that I did not have access to my phone. I immediately requested that they reopen my case and thoroughly investigate any IP addresses or any other information that could prove their decision. They reopened my case and again closed it on XX/XX/XXXX stating that the transaction was authorized. I have called their fraud department multiple times since that day in order to either request more information or for them to reopen my case but their phone response is due to extenuating circumstances a representative can not take your call at this time. They are basically avoiding me and labeling me a fraudster. I have been with them for many years and this was the first time Ive ever opened a claim with them.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (GA)

My account has several unauthorized transactions. Some being of a XXXX  account that i never known of. And others are actual banks. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I have transactions from my other bank. Showing I was 4hrs away from those cities at the time of the unauthorized use. I was in XXXX ga. The atm/bank withdrawals were from near XXXX ga XXXX