davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Under the new law, which went onto effect XXXX XXXX, 2017, any public record data must include name and address as well as SSN and DOB in order for it to appear on my credit file. As seen from my attachments, the credit bureaus have not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit report
Consumer complaint received 2021-09-12
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. (TX)

I have a large delinquent balance that is being addressed during my divorce. It should total around $ XXXX in cc charges. I noticed several months ago XXXX is reporting my delinquent amount as $ XXXX! They are reporting the original account AND the purchased account from the debt collector doubling everything that appears on my report. Equifax is starting to do it as well. Once the account is purchased by the debt collection company it is no longer delinquent with the original creditor and therefore should switch the original account to closed not delinquent. I have reported and requested more than once for this to be corrected. I also requested a refund for some profile fees XXXX charged me that I was not aware of and then could not investigate since they locked down my account and it took me three days and 8 hours of phone work to get a human on the phone. This is ridiculous! 
* Equifax also had me locked out of my account for months with no resolution until I sat on the line for hours on end waiting for an agent to assist me. 
It is unbelievable that these companies are in charge of our lives and yet get away with shady practices, mistakes, stealing- and they aren'y even secure, I should have stacked up a few more years of identity theft protection VIP services because I have been included in so many hackings through the credit bereaus. By the way, if I read the history correctly no one legally appointed these businesses to the throne they anointed themselves the keeper of all the knowledge. In my book, without my permission, they are essentially the biggest identity theft hackers and stalkers in the world, I want my private and confidential information removed!!! I do not trust these crooked corporations! 

And finally, they all show us a number sometimes two when we log into these credit profiles. These numbers are supposed to represent our credit scores. Except, these three almight big brothers can't agree with each other what our scores are, AND ON TOP OF DISPLAYING ALL DIFFERENT RANDOM NUMBERS, when you try and purchase say a car, the loan agent comes back with yet a different number that supposedly is your real credit score, it's always lower than what you have been told, and no one knows why. 

Lastly, XXXX 's XXXX XXXX is a scam. None of the " XXXX '' they found on my account were ever actually applied to my score positively or even showing on my account as far as I can tell. that is flat out fraud and disception.
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

Today XX/XX/15 I made several attempts online to freeze my credit with Experian. I only received a generic message saying we can not freeze your credit with no explanation. But I was encouraged to file for a fraud alert instead I then called ( XXXX ). and got the same spiel about I should request a fraud alert vs a freeze this was a robot message that said I cant help you call another day and hung up. Considering that I was able to add a freeze to the other two reporting agencies I think it is suspect and cruel that Experian can dupe people into thinking they can freeze their account only so they can sell them other services or perhaps it to beat the other two reporting agencies by being able to sell the info frozen on their sites. Experian are thieves and need to be stopped
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Zingo Cash Illinois LLC (IL)

The Zingo Cash Illinois company opened XX/XX/2017 continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account is being listed and reported as a duplicate as it is already a part of my public record and has been legally discharged and the company has agreed to remove, please refrain from continuing to report this account
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

USAA signature Credit card account was open XXXX XXXX for the approve credit line for XXXX dollar. USAA credit card is not report none on credit report XXXX, XXXX XXXX and XXXX credit reports. I have sent faxes to all 3 credit bureau to dispute this issue.
Consumer complaint received 2023-01-11
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TN)

This is not my debt!! This is due to Identity Theft, I have already contacted this agency several times to remove this account from all three credit bureaus as well as cease and desist all collection efforts. I plan to seek litigation against this agency as well as the creditor due to the effect this has on my credit and will seek punitive damage.
Consumer complaint received 2023-01-11
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. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-11-25
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: JPMORGAN CHASE & CO. (TX)

charges appeared on my credit card that I did not make. I called the credit card company and they issued credit. then the credit card company denied credit and re-charged me. 

the credit card company is stating I made these charges myself face to face with the retailer. This is not true. I did not make any charges with this said retailer. At this point I do not know even the name of the retailer. 

credit card company cancelled my account and re-issued me a new credit card with a new account number. 

on the new credit card charges from the same retailer are appearing on my account that i did not make. the credit card company is again saying I made the charges face to face ( in person ) I did not and have not made these charges. Still do not know the name of the company or location or contact information for this company. I have no receipt as I did not make the purchase. 

My credit card is with Chase Bank.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (NY)

On XX/XX/XXXX I disputed a loan that is still showing on my credit. The loan has been satisfied since XX/XX/XXXX. The vehicle has since been sold and registered to someone new. 

The loan amount still showing as of XX/XX/XXXX is {$4800.00}. Last payment shows as of XX/XX/XXXX. Account shows as pays as agreed I have disputed the loan as being incorrectly reported. I reported to the 3 credit bureaus and to the company the loan was from. All of this took place in XX/XX/XXXX. To date it has not been updated or removed and is preventing me from obtaining a mortgage. I have also requested my attorney contact as well but no progress has been made.
Consumer complaint received 2021-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

Hello, Please note that the complaint that I am about to enter was due to an alert of fraud suspicion that started with the lender... In the end, the lender declined the fraudulent activity which it made me aware of... I have a Home Depot credit card that is managed by Citibank. I received a text alert on XX/XX/2021, at XXXX EST to advise of a {$400.00} purchase attempt. I returned a call to the credit card company to confirm that I did not make the charge. In the beginning, it seemed like this matter would be open and shut seeing that I had a {$0.00} balance and the purchase did not align with my spending habits or merchandise purchases. After there was no response I followed up and ultimately received notification that the company would be charging the purchase to me. They claim my credit card was used but that is not possible since the card remains in my possession. I filed a police report with the XXXX NJ Police Dept. Detective XXXX XXXX pulled the surveillance videos and was able to confirm the likeness of the person ( s ) and the vehicle that was driven. I was able to confirm that the vehicle was not mine and the likeness was not me. Citibank has held its ground and will not reverse the charges. I vehemently disagree with this decision as my spending habits, the police report, and the video surveillance supports the fact that the purchase was not made by me or anyone in my household. Further the lender should own the responsibility of not having measures in place to prevent fraudulent charges like this or card duplication if that is the case. I am writing to you to appeal to Citibank in hopes of receiving full restitution. Thank you. 

see OCC Case # XXXX that was forwarded to your office
Consumer complaint received 2020-07-28
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: Experian Information Solutions Inc. (TX)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX   Company Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED (CA)

I wanted to refinance my home mortgage and after some shopping around I decided to apply with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. He started the process and I provided him with all financial documents he asked for. He quoted me 30 years fixed at 2.50 % with XXXX cost to the borrower. I asked him to lock the rate for me, but he told me not to worry and that he'll guarantee the rate. I told him every time I refinanced they lock the rate for me, he again said not to worry. I do have email communication from him and below are what he told me in the email : " Regarding the lock, we wait until the underwriters have verified your information before locking technically. However, I stick to my quotes and will honor the rate I gave you initially. '' Here is another email he sent me telling me why they don't lock the rate and telling me at the end I will get the 2.50 % rate : " The reason is that because we lock for a shorter period of time, we are able to give lower rates to our borrowers. It is part of why we have some of the lowest rates in the state. On top of that, because of COVID, the notaries are charging more and giving us less time to schedule so we have to wait until everything is ready before we schedule with them and all has to be done within 21 days of locking. So there are many reasons, but in the end it benefits you the most. You still get your 2.5 % either way, it is just a matter of waiting until the right time. Let me know if you have any more questions. Thanks. '' After all that the rates did go up and he wasn't able to keep his promise and I had to cancel my mortgage refinance application. This is very unfair and I think they should be penalized for what they did.
Consumer complaint received 2023-01-11
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: NCB Management Services Inc. (FL)

TIME OUT!!! WAIT A MINUTE!!! This is my XXXX attempt at respectfully trying to achieve a lawful resolution to my situation. I've asked on XXXX occasions to have an investigation of an item that is reporting inaccurately on my credit report removed. My complaint was closed ( XXXX ) as the company NCB is using a stall tactic claiming that I am using a XXXX party to submit this request and that additional authorization is needed. I am reopening my case offering my statement as proof that no such XXXX party exists in submitting my dispute. I've recently received notification from this credit reporting agency that the inaccurate information on my consumer report continues to report as being verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit reporting agencies to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a 3rd party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed. I immediately demand that the entry that I have disputed be permanently deleted from my consumer report as it is reporting incorrectly. Should NCB refuse to do so, I will have no choice but to continue invoking my rights under the Fair Credit Reporting Act, Section 616, to pursue legal action to make me whole.
Consumer complaint received 2021-09-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (NY)

All of a sudden I don't have access to my Chime Bank account online or using the app, but my account is still active when I call the card. 
I truly do believe that this bank is a scam. 
I couldn't remember my last transaction for them to verify my account.Every time that you click on 'Forgot Password ' I type in my birthday and last four digits of my social security number and a message in red states the I information that I've entered doesn't match our records? Oh really when I own the account and I never had a problem with my account. 
This happened with no alert no nothing
Consumer complaint received 2021-09-12
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)

The bureaus are still reporting inaccurate, incorrect dates as well as amounts. Im seeing that theyre saying they did investigations, but if the dates & amounts are all inaccurate on the charged off accounts then due to the FCRA these accounts must be deleted from my credit reports. 

The XXXX XXXX account was also paid off & the bureaus are still reporting that this account is owed. Ive also sent proof from my checking account as well as my XXXX XXXX app showing that this has been paid off. If the bureaus continue to report this inaccurate information on the accounts that I have sent over, I will be left with no other choice but to take legal action for not only defamation but violation of the FCRA
Consumer complaint received 2020-11-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to XXXX to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have 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. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2022-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX  Account Number : XXXX Bal : {$690.00} 2. XXXX XXXX Account Number : XXXX Bal : {$4900.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : {$300.00}
Consumer complaint received 2021-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (PA)

Sunrise Credit Services placed on my credit report a collections account on XX/XX/2021 for XXXX $ with no indication of what its for or where it came from. I've already disputed this on two separate occasions and it keeps returning and seriously damaging my credit. The original creditor is XXXX XXXX XXXX XXXX which upon further research is a scam service.
Consumer complaint received 2021-04-02
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. (CA)

Transunion failed to do a thorough investigation on collection account placed on my credit report that was put on by XXXX XXXX XXXX XXXX XXXX. Company is a scam. They never contacted original company XXXX XXXX XXXX XXXX that XXXX XXXX XXXX stated they received charged off from. Whats on my credit is not a company. Transunion states it accurate. Please tell me where company is located. There is a XXXX XXXX XXXX XXXX Which they have no knowledge of this company. So exactly what investigations did transunion.
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2020 at XXXX XXXX  I made a {$2000.00} deposit ( XXXX {$100.00} bills ) at a Chase bank ATM located at XXXX XXXX XXXX, XXXX XXXX, GA. I received a printed receipt with the message " To be sure your deposit went through, please call us at XXXX, '' that also listed sequence # XXXX, XXXX   # XXXX, and Term ID XXXX. 

Immediately, a bank employee helped me to call the number from one of the branch phones and I submitted a claim to receive credit for the missing {$2000.00} deposit. I received confirmation the investigation was opened. 

On XX/XX/XXXX, a letter was issued to me from Chase ( Claim Number : XXXX ) claiming that no deposit was made. This is demonstrably false, and a review of the camera footage at the branch and ATM ( inside of the branch ) in question would prove that. I also have my receipt indicating that there was a problem with my deposit. 

I am attempting to do everything possible to recover these funds.
Consumer complaint received 2022-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.