davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-19
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. (NY)

XX/XX/XXXX XXXX XXXX XXXX acct XXXX decided to sell my home loan to another company called XXXX XXXX XXXX acct XXXX and i have been current and never late and they reported late 30 days on the month of XX/XX/XXXX. I have been current every month please fix this issue.
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (CA)

I had an account with the XXXX XXXX XXXX and have always paid by personal check because I do not want automatic renewal. So they do not have my credit card on purpose. At the end of my last subscription I did not want to renew, so I didnt. They stoped delivering papers at the agreed upon end of the subscription date. I later received a letter from ARM Solutions which is a collection agency saying I owe {$34.00} for a paper I never signed up for and never received. So this collection was not for a product received, it was for a future payment that I never agreed to. We called the XXXX XXXX and confirmed that we never renewed so we didnt owe anything. Our account was apparently closed. But Im still receiving letters from the collection agency asking for the {$34.00}. If any damage has been done to my credit due to unjustified collection attempts, I will sure both the XXXX XXXX  and ARM.
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX XXXX. Three companies ran my credit without my authorization. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act I await your reply. Once you have fulfilled my request, mail me an updated credit report reflectir changes. 

In accordance with the fair credit Reporting act XXXX this company has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late purposes
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

on XX/XX/2018 my checking & savings account was closed for unexplained reasons in which i was told would be mailed to me i've never had any problems with my account & i dont understand why this has happened not to mention this is very inconvenience to me i feel that if your going to close someones account please have a very good reason for why your doing so if there were suspicious activity then i shouldve been notified during the time it happened this is very unprofessional i feel like im being targeted for some unknown reason
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized 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 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 2021-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (CA)

I am filling a complaint today in regards to a collection notice that I received from ACI ( American Coradius International ) LLC Phone # XXXX in the amount of {$1100.00}. This debt collection is from a fraudulent charge/ purchase ( I assume ) that was made on XXXX XXXX XXXX XXXX my name and SSN. I reached out to XXXX regarding this matter so they have been made aware of my dispute. The representative at XXXX ensure me they will look into this matter further and suggested I create a police report. I contacted my local law enforcement and they suggested I file a complaint with XXXX and that they could not do anything because the suspect is not local. XXXX also provided me with a phone number for law enforcement to reach out to for more details into my case/ their investigation. The number is XXXX ( XXXX ) XXXX. The debt in question is associated with a XXXX account number ( XXXX ) that I am not aware of and have never used but is using my name, address, and SNN. The only difference is the email address. The representative I spoke with at XXXX would not provide me the email address associated with the fraudulent account and said they could only provide that information to law enforcement.
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I received a IRS Form 1099C from Bank of America. The form is response for a debt from XX/XX/XXXX. I also saw that they ran a credit inquiry on me XX/XX/XXXX a few days earlier and wondered why, nor was there any information sent to me about it. 
I filed a Chapter XXXX on XX/XX/XXXX due to no ability to pay my bills. Bank of America made the decision to not file a claim ( standard policy? ). The charged off the debt on XX/XX/XXXX. 

The chapter XXXX was dismissed on XX/XX/XXXX due to financial hardship that I was no longer able to pay. 

I have never received any correspondence until the 1099C came this month. I phoned Bank of America on XX/XX/XXXX, due to severe reporting errors on the form. The IRS suggests to call the lender to see if it was sent by mistake or the errors were not known. The answer they give will decide how to proceed. The associate who took the call stated that it was based on my dismissal in XXXX. I told her that was a error. She stated to call back in a week or so. That is not a acceptable resolution. 

If the 1099C is income applied incorrectly to XXXX, my family will be over the limit to receive our health care credit. The taxes on the 1099C that will be due and loss of the health care credit will result in debt that I will never be able to repay to the IRS. 

Bank of America used code G in box 6 for the reason to issue the form. That code is for decision or policy to discontinue collection. That would be the exact reason for the Bank not filing a claim in XXXX with the Chapter XXXX and writing off the debt the same month. They used XX/XX/XXXX as the Date of Identifiable Event ( box 1 ). That date is completely without any basis, beyond random choice or mistake. Based on actual dates the form should be withdrawn as it has no use to either party. Then if issued the IRS would allow me to file a exemption of the tax. This would have had no effect on the Lender if done correctly. 

The second option if not already proven to be misleading would to file it in the year XXXX. The year of the discharge. The fact that the lender is unaware of their own reporting to the credit agencies of factual data is on the report they pulled is unacceptable. Using code G in box 6 stating their reason is intent due to policy would make this option appear invalid. I have read complaints of this invalid reporting becoming another Bank of America issue. 

I request a answer to their intent to repair the form so I can file the correct forms to the IRS, who will use my data included as proof to help me file. They will then take over with Bank of America 's reporting.
Consumer complaint received 2020-09-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I filed a dispute letter with the credit reporting agencies in regards to inaccurate items reporting on my credit report. I never received notifications in regards to the investigation. It has now been over 30 days and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and my 30 day letter to comply was sent on XX/XX/2020.
Consumer complaint received 2019-03-19
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. (NY)

XX/XX/2018 XXXX XXXX XXXX acct XXXX decided to sell my home loan to another company called XXXX XXXX XXXX acct XXXX and i have been current and never late and they reported late 30 days on the month of XX/XX/2018. I have been current every month please fix this issue.
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I have a mortgage from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
Consumer complaint received 2019-03-19
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. (TN)

XXXX XXXX XXXX XXXX is reporting inaccurate information to all 3 credit bureaus. To XXXX they are reporting Charge off from XXXX, they are reporting 90 days late on XX/XX/XXXX, 60 days late from XXXX and 30 days late from XXXX. They are reporting no derogatory information on Transunion and 90 days late from XXXX on XXXX. Under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), they are not accurately reporting the credit bureaus.
Consumer complaint received 2020-01-28
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. (NV)

I have a mortgage from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have a mortgage from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX only reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
Consumer complaint received 2022-11-19
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$1000.00}.
Consumer complaint received 2021-12-02
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: EQUIFAX, INC. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX  XXXX FIN XXXX )
Consumer complaint received 2024-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

Created account with Chime and transferred just over {$230.00} into the account. 

Logged out of app but could not log back in. 

Accessing Chime by phone app, tablet, and laptop results in infinite loop - I enter required information, complete captcha verification, and receive error code.

Calls to 800 number are unproductive as the number leads to an answering machine that refers me to the app / email. 

Emails are unproductive because they recommend steps and advise to send screenshots if problem persists. I follow steps, and receive same error message, which refers me to email support. I contact email support, they make recommendations again, and advise to send screenshots if problem persists. I follow steps, and receive same error message, which refers me to email support. I contact email support, they make recommendations again, and advise to send screenshots if problem persists. I follow steps, and receive same error message, which refers me to email support. Another infinite loop.
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NV)

I have a mortgage from JPMCB HL, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called JPMCB HL and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and JPMCB HL with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (NC)

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$0.00} ; Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (CA)

XX/XX/2022 I bought a {$400.00} XXXX  gift card from XXXX and I tried to purchase something online and my card got locked, when I called the gift card service to get it fixed they said it was suspicious website was probably a scam that I purchased from so they locked my card and I requested a card and didn't receive it so I called them and requested another card and I still didn't receive and for my first card request they sent it to the wrong address the second request they made me wait 20 days just to request for a second card so I decided to request for a check of my money back and it's been almost two months it's XX/XX/XXXX, and I still haven't gotten my refund and I called them today and they said I have to wait another 3 weeks.
Consumer complaint received 2021-12-02
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. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of XXXX XXXX. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/2021
Consumer complaint received 2021-10-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC (NJ)

Payment was due XX/XX/XXXX, they call an average of 6-8 times per day and have sent a total of 9 emails stating they will damage my credit, lien on my property and remove solar panels. Their email state they have been trying to contact me for months when my payment isnt even 15 days past due. The amount of calls and emails through out the day is nonstop and again my bill isnt even 15 days past due. 
My payment was scheduled for XX/XX/XXXX and they still calling and sending emails.
Consumer complaint received 2021-03-01
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: Experian Information Solutions Inc. (UT)

XXXX XXXX was opened on XX/XX/2020. On XX/XX/2020 it was disputed and the Card company updated paid, closed, /never lated. On XX/XX/2020 it was disputed again and the card company stated " The creditor agreed to delete the this account ''. As of XXXX first the have not deleted the account. Ive called them several times to report it as fraud. they have been no help to me.
Consumer complaint received 2021-12-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TX)

I have disputed directly with the credit bureaus to make them aware that the collection agency does not have a surety bond on file and is definitely in violation of the XXXX XXXX XXXX. As usual, XXXX continues to report. I have attached proof from the Secretary of State. The collection is a third party and is in violation. XXXX insists on reporting this account.
Consumer complaint received 2021-09-17
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)

My credit report shows that I have a {$13000.00} student loan through XXXX XXXX XXXX that do not belong to me. I have file disputes with Trans Union and XXXX through XXXX XXXX and both agencies responses claim it belongs to me. I have never filed for a student loan in the past and now that I intend to start school and may need a loan, this false loan with XXXX XXXX XXXX is hindering my advancement.