davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
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. (MO)

I originially filed a complaint with you al regarding Experian not properly veriying a bankruptcy they are reporting on my credit profile. In their original response to me they stated that the company used to verify the information reported it as accurate. THis reple was sent to you XX/XX/21. They also stated that if there was any new information that would look at the bankruptcy again. On their website and in the letter I received they stated that they verify bankrupty information with XXXX XXXX. I filed a compaint with you all against XXXX XXXX for not providing how they verified the bankruptcy they were reporting to you. On XX/XX/21 XXXX XXXX replied to the complaint with the attached letter stating that they have deleted this bankruptcy from my profile with them as of XX/XX/21. Since they did that prior to Exeperian saying that they verified it as accurate, Experian either lied or did not verify properly. As a result, I sent Experian a copy of the letter from XXXX XXXX stating that they are not reporting this bankrupcyt and asked Experian to delete it, and also filed another complaint with you. In their reply to you, they stated that they are still working on a reply and will reply within 60 days. 

Today XX/XX/21, Experian sent me a reply again saying that they verified the information as accurate with the data furnisher, again they did not include the name of the data furnisher, so I assume based on their website they are saying that it was reported to them by XXXX XXXX, however I recieved an updated copy of my report with XXXX XXXX, and just like the letter stated, the bankruptcy is no longer being reported by them. I have also attached to this letter a copy of the letter I sent to Experian XX/XX/21, from the court stating that they also did not provide this information to them. So if XXXX XXXX is no longet reporting this information to them, and the court does not provide any information to any CRA, where is Experian gettting this information from, and why arent they deleting this since it is very clear they are unable to verify its accuracy Attached is a letter I sent to Experian on XX/XX/21 from the bankruptcy court stating that they do not provide any information to the CRAS. A copy of the letter from XXXX XXXX that the bankrupcty has been deleted from their records, a copy of the page in my XXXX XXXX report showing that this has been deleted, and both responses from Experian stating the bankruptcy was verified after XX/XX/21 when XXXX XXXX states it has been deleted.
Consumer complaint received 2021-05-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

I have been disputing this account with " America First Credit Union '' several times through via mail for so long and no one has gotten back to me about all the inaccuracies and fabricated information they have put on my credit report. For over a year this account has been avoiding on verifying this account. They are violating my rights and FCRA all 3 credit bureaus have different information in regards to my " high balance '', different dates, etc so many false information. I need this account remove immediately. They have been so sloppy with reporting .Remove this account because it has not done nothing but complicate my life. Thanks!
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (WI)

XX/XX/2023 @ 7:40XXXX received a text message that my number was changed on my chime banking account. I did not change my number, I attempted to log in and lock my card so I could contact support. Within a matter of minutes someone was able to transfer money from my checking and savings account to a whole different bank that I do not use or have knowledge of. I immediately contacted support to let them know this was not my doing or authorized and filed a dispute that same day. They stated they would look into it and not even 48 hours later they made a decision that no error was found and I would not receive my funds backs. No documentation of the investigation was given and I refused to let this go and ask that they open it back up. Reported them to XXXX and will take legal action if needed.
Consumer complaint received 2021-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter
Consumer complaint received 2021-05-28
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. (MI)

XXXX XXXX is XX/XX/XXXX. This account was opened when I was underage. XXXX years of age. The account belongs to mother XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-05-28
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. (MO)

I'm writing to have the following fraudulent accounts removed from my credit file. The following accounts are in ligation and they are not mines. I've reported these accounts before, now I'm demanding that they be removed. 

1. XXXX  {$10000.00} 2. XXXX  {$3700.00} 3. XXXX  4. XXXX XXXX XXXX 5. Missouri Div Chld Support
Consumer complaint received 2021-05-28
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. (MO)

The following accounts has found its way on to my credit file. However, these accounts are fraudulently placed and needs to be removed immediately. Most of them are in ligation and therefore needs to be removed immediately. 

1 ) XXXX XXXX XXXX  2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX  7 ) XXXX XXXX
Consumer complaint received 2021-07-18
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: MORTGAGE SOLUTIONS OF COLORADO (CO)

My mortgage company falsely added 120 days of being late on paying my mortgage on my credit which was incorrect. 

So I disputed the erroneous report to XXXX  and uploaded documents to show that I paid every month of the disputes items.

XXXX  came back with just one item corrected, so I sent receipts of the three they didn't correct. 

These receipts were uploaded to the XXXX website. 

The name of my mortgage company is Mortgage Solutions Financial, XXXX XXXX XXXX XXXX, XXXX, XXXX, CT XXXX
Consumer complaint received 2021-07-18
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: Experian Information Solutions Inc. (NY)

The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : EXPERIAN - XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2021-05-28
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. (MO)

The following accounts has found its way on to my credit file. However, these accounts are fraudulently placed and needs to be removed immediately. Most of them are in ligation and therefore needs to be removed immediately. 

1 ) XXXX XXXX XXXX  2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX  5 ) XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX
Consumer complaint received 2020-06-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (LA)

I have sent two verification letters to Caine and Weiner to verify the debt that they say I owe them. Once in XXXX and again last month and I have not gotten any written response. The amount they are claiming I owe them is {$1000.00}. I do not have a signed contract with this company binding me to any debt.
Consumer complaint received 2020-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/XXXX a case was opened against me through Paypal stating that I billed a client in duplicate which was a false accusation. Paypal proceeded to withdraw money from my account in the amount of {$2500.00} placing my account into a negative balance. I had used Paypal as a credit card servicer for my client 's convenience and had invoiced a client through Paypal. Once services were completed for that client and they final invoice had been paid by the client, the client then filed a complaint saying that they had been billed in duplicate which was not the case. There were two invoices for the services provided the first invoice being for 50 % of the contract fee and the remaining 50 % of fee due at completion of the project. Once the final 50 % was billed and paid by the client, the client proceeded to say that the final 50 % was billed as a duplicate charge and Paypal wrongfully withdrew that amount from my account. Paypal has essentially helped this client steal back payment from me without any evidence and is now imposing fees in addition to the withdrawal of funds.
Consumer complaint received 2022-01-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (NJ)

I have previously requested validation and verification of an item listed on my credit report. The collection company ( as well as the credit bureaus ) have failed to produce any documentation that was requested. Copies of their response are attached. A copy of a " balance sheet '' does not accurately constitute verification. There is no accounting of the original agreement, no accounting of any payments or the dates payments were made, the interest which had accrued or any late fees assessed.
Consumer complaint received 2021-07-18
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: Experian Information Solutions Inc. (NY)

The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : EXPERIAN - XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  - XXXX XXXX XX/XX/2020 XXXX  - XXXX  XXXX XXXX  XXXX  XX/XX/2020 In addition, there is a duplicate inquiry from XXXX XXXX XXXX XXXX on XX/XX/2020 listed on my XXXX  credit report.
Consumer complaint received 2020-11-01
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. (MO)

I was looking over my credit report today and I noticed that an inaccurate account listed by XXXX XXXX XXXX now contains a past due balance. This is listed as a collections and from the laws that i have read a collection account can not have a past due balance as a collection is past due by default. Please delete this inaccurate account from my credit report for failure to accurately list this item. 

XXXX and XXXX are both reporting this inaccurate account which is damaging my credit. Neither XXXX XXXX XXXX, XXXX nor XXXX has provided me with any kind of validation of debt and I've asked multiple times. This is in clear violation of my rights.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, I have been trying to reach the different Bureaus by letter letting them know which information its incorrect on my Credit report since a few months ago, I haven't receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

53rd mailed me a solicitation for a {$550.00} bonus promotion ( see attached promotion ). I met with a local bank representative, XXXX XXXX, who encouraged me to bring in an extra {$15000.00} to meet the full bonus, which I did. She stated it would not be a problem having it applied. After waiting 90 days, I noticed only one of the bonuses for {$250.00} was applied. I then tried to call and email them for months. They didn't answer their phones, return emails, or even respond to requests from their Customer Service to call me back ( see attached correspondence ). After many months, I was finally able to reach the branch manager, XXXX XXXX, when they directly connected me to her. She incorrectly stated the balance fell below $ XXXX for " several days '', so the promotion would not be honored, but would research it and I would not have to follow-up. Again I didn't hear back for months. The balance was only below $ XXXX by {$55.00} for a few hours on XX/XX/2020 because a third-party, XXXX, did an authorized debit that was instantly returned the same day on XX/XX/2020 ( see attached screenshot ), but 53rd applied it the next day. They've used that as an excuse not to honor their promotion, even though I've kept $ XXXX in the account for 16 months without any interest paid.
Consumer complaint received 2021-07-18
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: AMERISAVE MORTGAGE CORPORATION (CO)

On XX/XX/2021 at XXXX, I received a call from XXXX XXXX ( NMLS ID # XXXX ) about information I submitted online about a refinance. During the phone call, I asked if I would even qualify for a refinance and told him I just wanted an idea on the numbers I might get. A few minutes later he stated that my credit and my partner 's credit wasn't pulling for him. I told him I had just lifted credit freezes from XXXX  and XXXX. after he still couldn't get the credit to pull he stated that " for security reasons, I need both full social security numbers ''. I asked him if this would be a hard credit inquiry and he stated several times it was a soft pull. I agreed to the soft pull. After he pulled the credit I and my partner received credit notifications that a hard inquiry had been processed and it dropped my partners credit 3 points which resulted in her credit score not being in the excellent range. After we received the notifications, I immediately notified him that he had pulled a hard inquiry and we had not authorized him to do so. He responded by saying " I don't know what you're looking at or where you're getting your information but I assure you that I pulled a soft credit inquiry and that all inquiries show. '' I repeated that I received notifications from the major credit bureaus that there had been a hard credit inquiry to both of our credit reports. After that, he started asking us about our employers and we asked why he needed that information when we just wanted to know general information based on our debt and income. He stated he just needed it to fill out the information on his screen. We stated we did not want to apply for a mortgage at this time. He stated he wasn't setting up an application and asked again for our employer information. At this point we ended the call. Immediatly, I checked my email which had an email sent by Mr. XXXX at XXXX, that stated a mortgage application had been started. 

At XXXX XXXX, I called Amerisave 's customer service team and who said she would report this information to Mr. XXXXXXXX XXXX  supervisor and have them reach out to me to correct the issue. 

Also, I tried to report this to the credit bureaus but they require you to call during their business hours.
Consumer complaint received 2021-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have filed at least two complaints. I was receiving third party deposits in two of my accounts, this was going on since XX/XX/XXXX and before the deposits even ranged in we called to see was it okay. I then received a 888 hold on my account XX/XX/XXXX and once I called the bank they then sent me to risk closure where they told me that I had to add both the third parties to the account, I added one and when I was getting ready to the other account holder they said it was to Late and there was nothing I can do. I was also told no deposits would not be added into the account but they did accept my taxes as well as another huge deposit! I have been getting mislead information from the start now they called me saying the other party who couldnt be added can send in documents which he did! Ive done all they asked!
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

please remove any Security freeze Fraud ALERTS OR FRAUD FREEZEOR PROMOTIONAL BLOCK FROM MY CREDIT REPORT. NEVER REQUESTED ANY OF THOSE TO BE ON MY REPORT
Consumer complaint received 2023-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau (UT)

Knight Adjustment Bureau is reporting a debt on my credit file I do not recognize. It's a {$10000.00} debt for XXXX XXXX. I did have an account with XXXX XXXX but closed it and removed any recurring billing and I had nothing owed. Shortly after I did file for bankruptcy. I never owed XXXX XXXX {$10000.00} and I have no proof of this. I have no loans with them and never did I spend {$10000.00} so I'm confused as to where this debt is coming from.
Consumer complaint received 2021-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX had sold my debt from account ending in XXXX to the debt collector " XXXX XXXX XXXX  '' at some point after my account had closed for non-payment. Finally being in the position to be able to pay my debts back and work on my credit, I negotiated a settlement with XXXX for {$270.00}. I paid this on XX/XX/21. I had called every single day to get some sort of email confirmation of this, and every day they had told me that it would be sent within 24 hours to my email address. I then finally received this " receipt of payment '' on XX/XX/21 after having called three times. In every conversation I have had with them on the phone it was made clear this debt was settled. I then disputed this debt with the tool on XXXX XXXX, which I believe is linked to Transunion. It then said it resolved my dispute, but that 83 % of the balance limit on the account was still unpaid. Thus it said it's investigation concluded that despite paying {$270.00} to settle, I had only made a partial payment and still had an unpaid balance of {$410.00} on my closed account. I disputed this a second time to no avail. If they could obtain the information of the amount I had paid, then the information that it had been settled could have also been obtained if it had been reported honestly as to the settlement agreement made. This is not a unique situation with debt collectors and I believe I am victim to deceptive practices regarding obtaining payments.
Consumer complaint received 2021-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A & O Recovery Solutions, LLC (PA)

I am the victim of identity theft and my information was used to open an apartment lease in the XXXX, GA are. I have already filed a police report and have had several of these accounts discharged as a result of both identity theft and the fact that I have never even been to XXXX. The most recent was from the management company of the apartment complex that the accounts were opened at.
Consumer complaint received 2021-02-26
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. (CA)

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$680.00} This account was involved in litigation and does not belong to me. I never established this account. This account was a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately.