davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (DE)

I did not apply for a debit card or any financial relationship with Chime. On XXXX I received a Chime Debit card with my name and a mailable form to link my payroll information. I contacted the phone number on the back of the debit card to report a fraudulently opened account. There is no representative available via the phone number listed and I was instructed to email XXXX. After multiple emails, I was informed they will not close the account or mark it fraud, ( representative name- XXXX ), unless I give them my government ID, my social security card, and a photo of me holding my ID. I will not do this as it sounds like a phishing scam.
Consumer complaint received 2020-09-04
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. (AL)

At this point I feel like I've been getting taken advantage of by the credit bureaus. On XX/XX/XXXX I noticed additional addresses on my credit report so I sent in a letter requesting all inaccurate names and addresses be removed. Now four whole months later the names and addresses are still there. Now fast forward it to XX/XX/XXXX, I sent a letter regarding more inaccurate and unknown things on my credit report but to this day over 60 days later I haven't seen a response. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They did not do this so I had to send in a complaint to CFPB and it was only after that complaint that I even got a response at all, but they responded with some type of response saying they don't think it was me and they need a copy of my drivers license. This is ridiculous because as I previously stated I sent a letter in XXXX asking for them to remove all names and addresses that weren't included on my drivers license, so clearly they've had my drivers license ( and I sent a copy of my social security card also ) since XXXX. I demand that these accounts be deleted immediately or I will have to file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach so my information was probably put in the wrong hands. Hopefully it won't take another 120 days that they'll take advantage of me again.
Consumer complaint received 2021-07-19
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: AMERICAN EXPRESS COMPANY (CA)

In XXXX of 2019, someone solicited my credit card information that was only allowed for emergency use. Within a very short period of time, he maxed out all credit lines, opened a new one, and attempted to open more. In total, the amount was around {$38000.00}. He gave me money a few times to pay down the balance assuring me that it was temporary and he was going to pay it all off. In hindsight, he was likely pulling out cash advances from mine or even other people 's and giving me that instead! Now the Credit companies think this was fully approved since it looks like I was paying the cards down. In reality, I was frantic and desperately trying to save my credit score that was around XXXX prior to all of this since I had never experienced this level of betrayal before. He soon became extremely difficult to contact, so I spoke to his family and close friends. I learned he has done this to at least two other people who were close friends or relatives. In total, the amount stolen is around {$220000.00}. That's only what we know of! Please be very careful on who you trust, check your statements every month, and cancel your cards as soon as you think something is wrong.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion had a glitch in their system that added back inquires that were deleted without notifying me prior to them being added back.
These are inquiries from XX/XX/XXXX through XX/XX/XXXX.
Without proper notification within 5 days, these non- account bearing inquiries should be deleted immediately from my credit report.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ID FOR COMPLAINT SENT TO TRANSUNION LLC XXXX I lodged a dispute with transunion against a financial institution. The dispute was closed within 48 hours. I called transunion to enquire. The operator named XXXX said even though a bank/financial institution provide them with wrong information, at all times Transunion would have to honor the bank because according to the operator the bank/financial institution always get precedence over a consumer at any given time. I asked for the manager and the call was not transferred to the manager. 

Transunion is so corrupted that they blocked my review and post on their XXXX page so that the public cant see it. That by itself is enough to prove that Transunion is corrupted. 

I would like to ask transunion how much BRIBE do they receive under the table from these banks and financial institutions???
Consumer complaint received 2021-03-30
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (IL)

Asking for documentation at separate times taking a long time to process real problems with the underwriter not requesting documents in a timely fashion then once present documents then asking for more documents was taking more time in order to get processed I really believe this is really unnecessary and like to have some answers while all the paperwork was not asked for at one time in order to make this a smooth transition
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MO)

XXXX hired Enhanced Recovery Collections. I attempted to settle a debt I don't even feel I owe being that I paid this already with XXXX  but I wanted this struggle to be over. I attempted to settle the debt but they started playing games telling me XXXX was the lowest their client would accept. I offered {$96.00} - they then put a team lead on the phone who offered {$120.00} and then stated the same thing that this was the lowest they could settle for. I asked for corporate and was on hold almost 30 additional minutes.
Consumer complaint received 2022-10-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Messerli & Kramer P.A. (WI)

The third party debt collection agency was notified by the courts as well as myself that the case was included in my bankruptcy. 
The law office has not removed the lien from my credit and no response from the firm.
Consumer complaint received 2023-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

I sent a domestic USD wire transfer from XXXX XXXX XXXX. The Intermediary bank is JP Morgan Chase. Apparently I entered the incorrect information into the wire and JP Morgan Chase couldn't deliver it, so instead of returning it to XXXX XXXX Bank. JP Morgan Chase just kept it. Did nothing. Nothing, so now we have to formally request an investigation and a refund of the wire transfer. There is no timeline on this. Could be 5 days, it could be 50 days. I hope it's sorted quicker but if the bank just decides to keep it in the first place do you think they're going to return it quickly upon request? To me this is theft. It's been 7 business days and Chase has done nothing with the money. It's in some spot in their bank just hanging out, earning interest for them, without any regard the the end consumer. We were going to use this money to buy a house next week. I mean my XXXX. My mistake sure, but then when you can't deliver it, return it. That's what the XXXX XXXX XXXX does when they can't deliver a letter. It's what any reasonable person would expect to happen. The routing number for Chase is XXXX. 

Detail Information of ACH Routing Number XXXX Routing Number XXXX Bank JPMORGAN CHASE Address XXXX XXXX City XXXX XXXX  FL ZIP XXXX Phone ( XXXX ) XXXX The reference number from XXXX XXXX is Reference number XXXX
Consumer complaint received 2023-01-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

XXXX XXXX courts as well as Portfolio Recovery Asso. LLC which is the debt collector was aware of how to located me. 

XX/XX/2022 the above company was aware that I was the XXXX XXXX XXXX attorney, And per 15 USCS 1692 ( c ) communication in connection with debt collection talked about after attorney is stated they must only talk with the attorney representing the debt collectee. 

The above company was well aware of how to communicate with me since XXXX XXXX XXXX XXXX. They chose not communicate with me directly and instead communicated with the previous known address. 

There are many more violations other than the ones I wrote about.
Consumer complaint received 2023-09-27
Product: Credit 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: CITIBANK, N.A. (WA)

I am writing to file a formal complaint against Citibank regarding their handling of a credit card dispute that has been ongoing for more than 1 month. Despite providing ample documentation and evidence to support my case, Citibank has continuously ignored my efforts to resolve this matter and has taken no meaningful steps to investigate or address the dispute in a fair and timely manner. 

Dispute Reference Number : XXXX Background Information : I have been a loyal Citibank customer for 12 years and have always maintained a good payment history. However, my recent experience with Citibank 's credit card dispute resolution process has been extremely frustrating and disappointing. 

Issues and Concerns : Lack of XXXX : Citibank has failed to acknowledge or respond to my numerous attempts to communicate and resolve this dispute. 

Ignoring Documentation : Despite providing clear and compelling evidence to support my dispute, Citibank has not taken any meaningful steps to investigate or address the issue. 

Requested Actions : I kindly request the Consumer Financial Protection Bureau to investigate my complaint and take the following actions : Initiate a thorough investigation into Citibank 's handling of my credit card dispute, ensuring that all provided documentation and evidence are reviewed and considered. 

Require Citibank to provide a detailed response to my dispute, outlining the results of their investigation and a clear resolution to the issue. 

Ensure that Citibank takes immediate steps to correct any inaccuracies on my credit report resulting from this dispute. 

If Citibank is found to be in violation of any applicable laws or regulations, take appropriate enforcement action to hold them accountable. 

I appreciate your attention to this matter and request your prompt assistance in resolving this dispute. Your intervention is crucial in ensuring a fair and just resolution. 

Thank you for your time and consideration.
Consumer complaint received 2024-05-06
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: Bridgecrest Acceptance Corporation (AZ)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the predatory lending practices and inaccurate reporting of information by Bridgecrest, a creditor with whom I have a loan agreement. It comes as no surprise to me that Bridgecrest ranks among the top 100 companies with complaints to the CFPB, given my firsthand experiences with their unethical conduct. 

Bridgecrest has consistently reported inaccurate information to all three major credit bureausXXXX XXXXXXXX, and XXXXregarding late payments on my account. These late payments have been reported inconsistently, with varying information provided to each credit bureau. Despite my repeated attempts to rectify this situation and request validation of the data reported to the credit bureaus, Bridgecrest has failed to provide satisfactory documentation or proof of the reported late payments. 

Moreover, Bridgecrest employees have resorted to harassing tactics, repeatedly calling me after I escalated my concerns to the CEO via email. Despite my legitimate requests for documentation and proof of the reported late payments, these employees have dismissed my inquiries and even claimed that such documentation does not exist. 

For over two years, I have diligently made payments on my loan, yet due to Bridgecrest 's predatory lending practices, the balance has decreased by less than 15 percent of the original finance amount, despite paying {$650.00} per montha significant financial burden for me. Adding insult to injury, Bridgecrest has failed to send regular statements regarding my account, further complicating matters. 

The inaccurate late payments reported by Bridgecrest have severely damaged my credit and financial reputation, making it challenging for me to access credit and financial services. Despite my efforts to resolve this matter with Bridgecrest, they have shown no willingness to rectify the situation or provide me with the necessary documentation. 

Therefore, I implore the Consumer Financial Protection Bureau to intervene and conduct a thorough investigation into Bridgecrest 's predatory lending practices and inaccurate reporting to the credit bureaus. I ask that Bridgecrest be held accountable for their actions and that they are required to provide me with the documentation and proof of the reported late payments as requested. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address these issues and protect consumers like myself from predatory lending practices and inaccurate credit reporting. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CMRE Financial Services, Inc. (TX)

I have accounts that I have paired off that won't remove from my credit I have unknown accounts on my report, and I have medical Bill 's and important information that violates my rights on the report I have tried to fix the issue several times I have also contacted the police because I have paid Bill 's and information hycite service I returned all their equipment and their still charging me. 
Hycite service Come financial XXXX and the XXXX account are medical Bill 's that have been paid they need to be removed XXXX XXXX  XXXX XXXX are unknown accounts which I complained about before see police report XXXX is account that I paid in full and they will not remove from my report
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote to XXXX XXXX concerning two accounts which are showing chargeoffs and collection activity. I wrote to the company on XX/XX/XXXX and again on XX/XX/XXXX to request documentation to support the reported information or deletion of this inaccurate information. They never responded and have stonewalled me. They have a responsiblity to prove the reporting or repair or delete it.
Consumer complaint received 2017-08-10
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)

I wrote to XXXX XXXX concerning two accounts which are showing chargeoffs and collection activity. I wrote to the company on XX/XX/XXXX and again on XX/XX/XXXX to request documentation to support the reported information or deletion of this inaccurate information. They never responded and have stonewalled me. They have a responsiblity to prove the reporting or repair or delete it.
Consumer complaint received 2023-02-06
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. (NJ)

Dear Equifax, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX  XXXX I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Consumer complaint received 2022-04-05
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. (CA)

Please see attached documents, I have disputed two errors with Equifax EIGHT times, starting XXXX XXXX XXXX. They have been unable to verify the information that is CLEARLY their error and they will not respond to any of my disputes with method of verification. 
This is not only an FCRA VIOLATION, but I can take legal action and I will if these are not corrected immediately.
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I bought a cell phone at XXXX from a XXXX kiosk over 7 years ago. I returned the phone to XXXX before 30 days. XXXX claims I never returned the phone, but I did, I had a receipt for the returned phone. They sent my account to collections, I called them, sent them a copy of the return, but they still refused to credit me and said, '' they couldn't take the account out of collections. '' This account has been sold to several different collection agencies over the years, and I've called every single one of them explaining I returned the product, but they insist I pay {$470.00}. 
Because the accounts been transferred so many times, it looks like my debt is only 2 years old. If I kept the phone I'd have paid for it, the XXXX manager at the time was aware of the return, I even sent them a statement from him saying he accepted the return. 
According to XXXX, they never authorized the return, but the return was made at the XXXX kiosk where it was purchased, then I was directed to the XXXX return desk to complete the transaction. It was paid for on my XXXX XXXX at the time, I closed that account because I closed XXXX XXXX. I'd appreciate this bogus collection which has plagued my credit creating a false low & constant derogatory blemish on my credit report.
Consumer complaint received 2021-03-30
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)

There are two  accounts on my credit report that are not mine they do not belong to me I have not applied, signed or used these accounts nor do I know how they got there. 

Account Name : XXXX  XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX/DSNB XXXX  Number : XXXX
Consumer complaint received 2020-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Medical Administrators, Inc (CA)

this company siad I ordered their product and was charged to me on XX/XX/2020. 3 months later, I got a bill for {$150.00} from the collections company and told me i have 30 days to dispute the charge. 

I sent a letter to National Medical Administrators and also XXXX  limited-Black Label-No disputing the charge, I also sent them a copy of my credit card statement for the month of XXXX, 2020 which shows no transaction for the {$150.00}. I am waiting for their reply.
Consumer complaint received 2020-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NV)

I am trying to get a modified interest rate with Loancare, a division of XXXX, and have provided all necessary information. I have paid on my mortgage and am on time and up to date. I keep getting a robocall asking me to call and that can not be answered other than to respond to the " customer service? '' toll free number. XXXX XXXX XXXX. On XX/XX/XXXX I first spoke to customer service who told me to talk with Loss mitigation. I was on the phone, mostly on hold for 38 Minutes while loss mitigation tried to figure out why they called me. It was stated that I am current and no issues exist with my account so why do I get what I call harassing robo calls on XX/XX/XXXX and XX/XX/XXXX telling me to call them now.?? 
This is a illegal action and harassment over NO issues with my account. I continue to contact XXXX XXXX by mail but she will not offer the common courtesy of talking to me and continues to offer excuses and no support. I have contacted XXXX XXXX CEO and XXXX XXXX COO and they have not had the decency to respond or try to help me. XXXX XXXX Veteran home owner
Consumer complaint received 2020-04-23
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. (TX)

I did Not Give Anyone Consent to Open any account All of these Account Is Fraud. this is crazy that someone Stole my Identity. how did they do this I don't know but this Needs to stop.