davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (PA)

On XX/XX/XXXX I alerted chime of suspicious activity since my identity was stolen last year they assured me no funds would be taken and that they blocked the transactions. Thousands were stolen out of my account and during the POLICE investigation chime just closed the account without reimbursement of the funds they were supposed to return. I've called several times and they keep telling me the account didn't qualify I'm confused and now have to file something for hardship. I don't understand how they were fully aware of the issue and did nothing to stop it, blatantly lied about my protection then said XXXX me and just closed it! The rep Said she actually experienced the same thing!
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.
Consumer complaint received 2023-04-02
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)

XXXX information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.

Under federal law, you have ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 3015 U.S. Code 1692e - False or misleading representations ) days of the completion of your re-investigation.

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TX)

Franklin Collection Service Inc. 
Address : XXXX XXXX XXXX XXXX placed for XXXX I recently reviewed a copy of my credit report on XXXXand noticed this one inquiry that was unauthorized Please remove these inquiries from my credit report immediately. 
Should this company claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Thank you for your prompt assistance with this matter.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE FARM BANK, FSB (MN)

State Farm Bank has reported to all three credit reporting agencies that I had exceeded my credit limit, overspent ( maxed out XXXX my card specifically on a {$2000.00} credit limit and that I had a high balance of {$2200.00} from XX/XX/XXXX to XXXX/2020. I called in XX/XX/XXXX2020 and an State Farm bank account executive confirmed the info was false. I was told regardless to file a dispute with the credit reporting agencies which I did. The decision came back from State Farm Bank XXXX stating the info was accurate and would remain on my record. 
The credit reports clearly in the boxes report every balance I had during that period, the highest I have ever been was {$1900.00}. I called State Farm and spoke to account executive again and she also reported I never had the high balance being reported and in fact had never maxed out my card and confirmed the highest balance I had during the specified period was {$1900.00}. I disputed it with all 3 credit reporting agencies. XXXX returned a decision to me stating State Farm would not change this discrepancy. I was then told by State Farm to file a formal report with them, sending them a letter outlining the specifics of my complaint and producing all statements from this time frame and they would look at my claim and return a verdict in 60 days ( after already waiting for 60 days with formal disputes with the three agencies would should have easily remedied this ). The evidence they need is directly on my report, their own staff report this is a false claim on my record. XXXX  tells me there is nothing they can do my dispute was sent in and State Farm has declined to intervene on a clearly inaccurate reporting of my history. Why is their a dispute process with the agencies if the company can disregard the complaint despite clear evidence and support to the contrary. I have been told that as long as this dispute is on my record I can not move forward with refinance of my home. I have now waited longer than 60 days and am being asked to go through a process again despite clear irrefutable evidence on my own credit report articulated month by month for every time frame within the reporting period.
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc. (NY)

I received a letter from Remex Revenue Management Excellence in New Jersey collection Agency claiming I owed a debt on XX/XX/XXXX but letter was dated XX/XX/XXXX. I replied to their letter on XX/XX/XXXX through Certified mail, asking to verify this debt they claim I owed. I also asked by certified letter that all communication must be done in writing. They had 30 days to respond to me with verification. Before the 30 days, they went ahead and added this debt to my credit report when it was still being disputed. I received another letter from them recently stating that I owed this debt and send me a ledger instead of my request to validate that I in fact owe this debt. I contacted the original creditor and it was confirmed by them that my insurance had paid for this procedure. Remex Revenue Management Collection Agency in New Jersey ( I live in XXXX County ) violated my rights by not providing proper verification pursuant to 15.U.S C. 1692g of the fair debt collection practices Act. They also violated the fact that it was still under investigation and yet added to my credit report causing a negative remark. I continue to dispute the validity of this debt and I ask that they immediately remove this from my credit report. I have read all their reviews and they seem they have a habit of doing this to people. By law, they are required to validate this debt with original statements and or contracts stating that I even owe them ( Remex Revenue Management ) any monies. This account has been sold from one collection agency to the other. Again, they are in violation of my rights pursuant to the debt fair practice act when this debt was paid by my insurance years ago.
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (KY)

The XXXX XXXX XXXX credit card company is blocking me from accessing and using my personal financial information with external applications such as XXXX and XXXX. This is my personal financial data and I have a right to Grant access to it to these applications or anyone I wish. XXXX XXXX XXXX just needs to provide a way to do so.
Consumer complaint received 2021-12-09
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-01-22
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from XXXX XXXX. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2018-03-05
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)

After receiving and reviewing the results of a recent dispute sent to Equifax. I am confused on the response from the bureau. I had my XXXX file suppressed in XX/XX/2018 ( see enclosed attachment ). However, the correspondence dated XX/XX/2018 under Confirmation # XXXX states that Equifax verified their recording of my dispute with XXXX. 

Due to this development, I am know requesting the method Equifax used to verify certain items on the credit file dated XX/XX/2018 under confirmation # XXXX. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request the bureau must provide a description of the procedure used to determine the accuracy and completeness of the information. This includes, but not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following account : XXXX XXXX  XXXX XXXX ID # XXXX As stated in FCRA 611 ( a ) ( 7 ) the bureau must provide this information no later than 15 days  after receiving this request. It is amazing that Equifax through their reinvestigation is using a third-party file that is suppressed to verify a dispute. This appears a real violation of the Fair Credit Reporting Act codes.
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OH)

I was looking to get a quote but when I gave them my name and address they started a application without my permission. I contacted them soon as I got the email from them stating they were starting a application. I told them their ad was misleading and I didn't want to apply for a loan with them. They contacted me right away and said they would cancel the application. That wasXXXXXXXX2020 then today I got a copy of the credit report they ran on me. I didn't give them permission to do so. The company is AmeriSave Mortgage Company.
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

lied to me several times kept telling me the only way to pay my bill was through a bank account after I told them my bank wouldn't allow it and also lied to me after they took money from me and told me the only way they can give it back was through a check but replace the funds back in my account a couple of days later saying I don't owe them a balance closed out my account and said I owe them XXXX $ and that they would take XXXX to close it but I recently had sent money to them and they sent it back saying I didn't owe anything they also reported me to credit bureaus saying I was late but they never sent me bills. they also made a statement where I pay in full all negative will be removed but they lied about that.
Consumer complaint received 2018-10-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (DC)

I recently moved to XXXX and began the process of registering and titling my XXXX XXXX XXXX in the district. When I updated my information with Honda, they informed me that I would be responsible for paying the vehicle tax on my monthly lease payments ( 10 %, about {$30.00} a month ) However, I already paid tax on my vehicle in XXXX, which was capitalized on to my total lease cost when I purchased the vehicle ( about {$900.00}. ) XXXX provides for an exemption from excise tax for rented or leased vehicles ( # 7 under list of exemptions, which I will attach to this complaint ), as well as for vehicles moving to XXXX previously titled or registered in another state ( # 9 on list. ) I called Honda and spoke to a representative, who told me I could claim a refund from XXXX. After being unable to find that information and consulting with others who moved from XXXX  to XXXX, I called Honda back and requested they research it. The customer service representative told me I was unable to talk directly to the office that deals with tax amounts, but that she would relay my request. She called back the next week and told me that since XXXX does not provide reciprocity, I am basically out of luck.

Since I am covered on this list of XXXX exemptions, this is not correct. I am happy to pay the difference between the XXXX  and the XXXX  tax, or to receive a prorated refund of my XXXX tax, but I should not be responsible for continuing to pay sales and use tax in XXXX while my vehicle is titled, registered and garaged in XXXX.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX have sent over several request to XXXX in regards to the misinformation on my credit report. And in response they come back advising that the information is verified but don't advise how when asked numerous times. And they send generic letters out saying that they think I disputed in error. I have attached all my complaints and their respective tracking numbers showing that I have also re sent them via certified mail to them as well. They have also neglected to update any of the disputed information to reflect they are under investigation after receiving my documentation. 
The company has already exceeded the time allowed to address the concerns. 
Please be advised by law they have 30 days to correct an issue or address it. And for FTC they have 4 days both of which have been ignored by the company. 

These complaints have also been uploaded to their document upload portal. 

Tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
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. (SC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-06-03
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: BARCLAYS BANK DELAWARE (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BRCLYSBANKDE Date of inquiry : XX/XX/2018 This is not mine.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

Requested copy of XXXX Report to show bankruptcy is not on credit file. XXXX, XXXX, and Equifax advised they receive information regarding Public record from XXXX. Sent dispute to XXXX, Equifax, and XXXX  regarding the information on credit file is incorrect. They advised the information is correct. Ordered another copy of file from XXXX XXXX and sending information over to CFPB to address the inaccuracy of information regarding public record on my credit report.
Consumer complaint received 2018-10-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Carrington Mortgage Services is currently engaging in dual tracking Dual tracking is prohibited! 

I also sent a Notice of Error and Requests for Information pursuant to PART 1024REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart CMortgage Servicing and have not received any acknowledgment or response to correct the error on the mortgage.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022, I applied for the Chase Freedom card with Chase bank. I received a call later that day asking me to call XXXX ( XXXX ) XXXX to verify my identity. I then called and verified my identity. After that point, I would frequently call their credit application status number, XXXX ( XXXX ) XXXX, and the automated voice would only say " your application is being reviewed, you will be notified of a decision within x business days ''. On XX/XX/XXXX, I called Chase customer support at XXXX ( XXXX ) XXXX and asked them if my application should have received an answer by this point. The male who answered simply said, " oh yes they definitely should be getting back to you by the end of this week ''. I waited until the end of the week and received no response. On XX/XX/XXXX, I started calling multiple Chase customer support numbers and spoke to at least 4 different people. None of them were able to help and they all said " your application is expired since it is past the 30 days ''. I kept trying to explain that the error was not on my part, I did everything that was asked of me. None of them transferred me to someone who could help. I understand they could not help me due to the application being expired however, I was not able to speak to any supervisor that could help my situation. I can not apply for this credit card again because that would be a second inquiry on my credit within the last 60 days. I am upset that they are not able to help my situation at all considering I did everything that was asked of me and I reasonably followed up with them in the days approaching the 30-day mark.
Consumer complaint received 2018-10-03
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. (FL)

Its not the First time, those credit report act like XXXX and dont respect the right of US citizen, they dont care and update wrong information! 

I did pay off XXXX XXXX $ With XXXX my car loan end of XX/XX/2018. 
I did sent the payoff letter to XXXX EXPERIAN XXXX as a proof. 

Like always when I contacted them to obtain the update on my report, they dont find anything. 

I send again the letter for an immediate update! Those companies need to respect the law!
Consumer complaint received 2018-10-03
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. (FL)

Its not the First time, those credit report act like XXXX and dont respect the right of US citizen, they dont care and update wrong information! 

I did pay off XXXX XXXX $ With XXXX my car loan end of XX/XX/2018. 
I did sent the payoff letter to EQUIFAX XXXX XXXX as a proof. 

Like always when I contacted them to obtain the update on my report, they dont find anything. 

I send again the letter for an immediate update! Those companies need to respect the law!
Consumer complaint received 2021-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Paypal closed my account for no reason and wish not help me to get it back, I thought that was a mistake, but I can not do anything about it. Anyway, I can not get help from them, and I was informed that I can withdraw the balance after 180days. However, I noticed the total amount of $ 8,623.39USD has been taken by Paypal from my account on XX/XX/2020. I was trying to get help from them, but they told me they can not tell me too many details about that. I feel like I can get help from CFPB, so I file a report here. I think you can handle this for me properly. I used paypal frequently, the only thing I want to do now is to get the money back from paypal to my account, and withdraw the balance. The email used for my paypal is XXXX.