davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to bring to your attention the ongoing and deeply concerning issue I am facing regarding the persistence of fraudulent items on my credit report. Despite multiple attempts to rectify this situation through your dispute resolution process, I have encountered significant challenges, and the fraudulent items remain unresolved. 

I have taken the following steps in my attempts to resolve this issue : I have submitted disputes for each fraudulent item through your designated online dispute platform, providing detailed information and supporting documents. 

I have contacted your customer support hotline to inquire about the status of my disputes. Unfortunately, the information provided has been inconsistent, and there has been no resolution to date. 

In an effort to expedite the resolution, I have submitted supplementary documentation [ list any additional documents submitted ] to strengthen my case and provide clarity on the fraudulent nature of the items in question. 

Despite these efforts, the fraudulent items persist on my credit report, causing undue stress and negatively impacting my financial standing. This situation not only compromises the accuracy and integrity of my credit history but also erodes my confidence in the effectiveness of Credit Bureaus dispute resolution process. 

I request an immediate and thorough investigation into the fraudulent items on my credit report, along with a prompt resolution to correct these inaccuracies. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the continued presence of these fraudulent entries. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my expectation that Credit Bureaus will take immediate and decisive action to rectify this matter and provide a resolution that restores the accuracy of my credit report. 

If this issue is not addressed promptly and satisfactorily, I XXXX have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to safeguard my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : 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 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Chime Financial Inc (AL)

On XX/XX/year> my income Tax check was deposited into my Chime account. We were on our way home from XXXX when I realized it. When we got back I noticed I was missing my phone. We couldn't find it anywhere. I even called XXXX to see if it got left. It was there. On I believe it was the XXXX my dad loaned me a phone I checked my bank account and at this time only noticed two Transactions that was fraudulent. They got disputed. My phone still missing into Friday night I go to be Friday night at about XXXX. My wife was up about all jight that night sick. She has XXXX and has her days. I didn't get up at all that night. She wrote chime and told them she knew I didn't move all night long. I wake up around XXXX XXXX that morning XXXX minutes till XXXX to XXXX charges and {$5100.00} being fraudulently taken out of my account. I call and dispute them while on the phone I'm seeing more charges go through. The guy doings the dispute for me basically accused me of lying about the situation and doing the transactions. I went off on him and cursed him. Chime more worried about him hearing a few choice words than my dispute denied it 3 days later. A few days later XX/XX/XXXX we got evicted. Lost everything due to Chime not being like every other bank on earth and using a temporarily credit method. We have now lost $ XXXX in furniture appliances dishes and clothing plus the {$5100.00} puts me out {$21000.00}. I had been getting verification text from XXXX and XXXX. I called XXXX because something wasn't right with the amount I was receiving and I knew I hadn't been on either. When I called XXXX I received the evidence I thought wouldn't get my money back. The lady told me my account had been suspended due to fraudulent activity. That my account had been hacked. It was on my phone that didn't returned until Sunday XX/XX/XXXX along with the chime app and others this effected. When I gave the proof to Chime as well as the eviction letter and policy report. I thought well this is it. I can finally save my family. I sent the eviction notice because what father would get on a game that means nothing and play throughout the night blowing the majority if the money spent in one night. Sometimes running 5 transactions a minute instead of getting his family out of the house they are being evicted from. Well it got denied 3 more times on the 4th and final one I still hadn't gotten a reason why in writing. They said their systems said it was a valid charge. They are putting my family 's lives on their computer? I had proven my phone was hacked and it didn't do a bit of good. I'm praying this does. We are just now receiving help from a place that only helps XXXX. So I'll be reunited with my family hopefully Monday morning XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2020-06-29
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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (MD)

Today, XXXX XX/XX/ 2020, Sebonic Financial a company I am currently using to refinance my VA loan via XXXX, requested a credit score without first informing me or asking me to run my credit. They had previously run my credit for the initial application and then when asked about why they ran my credit, informed me via email, You should have been notified. Since it is within 14 days of our initial pull, it doesn't impact the score and it was a mortgage only report and not the full one.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, The did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is in inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation i gave them over 30 days to send me the results snd they never sent me anything here is my certified mail tracking # XXXX, XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX is reporting wrong information on my accounts, when I pay on my accounts they take points off, believe all the reporting agency 's are fraudly damageing my report so I can't get any credit, have been turned down 4 times so far, my score should be at least XXXX, as of today they have managed to get it down to XXXX, this is crazy, a false 90 day late was reported and they took XXXX points off, and when it was connected they never put the points back, there needs to be a investigation into what are they doing to destroy everyones credit, so far have cost me about XXXX dollars due to the fraudulent reporting on report.
Consumer complaint received 2020-06-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (TX)

It actually falls under multiple options. They call my cell phone, my house line, my husbands cell phone, my mothers cell phone my kids under 18 phone numbers all day and night non stop. We have all requested they stop calling. I have even emailed the company telling them to cease and desist all phone calls and to please mail me regarding the debt to settle and close the accounts listed. It doesn't stop.
Consumer complaint received 2020-06-24
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)

Home owners insurance policy renewal reflected increase in premium as a result of credit report from trans union however after checking with trans union my credit report is perfect as it has been for decades. They advised that XXXX XXXX XXXX. is using a third-party agency as they have no record of them checking. Many calls to Insurance company but they will not acknowledge the problem or make any attempt to fix the problem. Basically ignoring telling me to pay the higher premium or move on to another company.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

On XX/XX/ Credence was notified of fraudulent account. Credence was sent all necessary documentation to verify fraudulent account claim. Credence has violated FCRA by not properly investigating such account. They are required by law to delete any fraudulent account within four days of receiving claim
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (IL)

in XXXX, after the Corona situation, i reached out to the bank asking if they would allow a break from Mortgage, since my husband was not working at the moment and I was paying more bills. I was offered three months of no payment ( forbearance ). I did not get any documents to sign yet. In XXXX, i received an email from XXXX XXXX and he informed me that i qualify for a re-finance with a lower interest. I was excited to hear that, i said send me the information for review please. he sent me a bunch of numbers, which looked good. I agreed to start the process. He emailed me when he wanted something, and was never really clear as to why my documents stated PMI was being applied. I than reached out to him via phone and no response. When he finally responded, he said that I should be receiving a refund of at least $ XXXX to be sent back to them ( he offered to take care of it personally ) and they will drop the PMI. all the paperwork said I would have a new loan of $ XXXX. I signed off on the documents and I was very hesitant with the minimum information I was receiving from him. The loan officer witnessed my whole conversation with this guy. it has been a month, and I didnt receive any refunds. I called him and no answer, i emailed him and no answer. I called his Boss XXXX XXXX, and he said he will look into it and call me back. A week later, and nothing yet. I got an email this AM and I am being told that the money was credited from my original loan. Now I owe $ XXXX more than what my original loan was?!  No one seems to have an answer for me! No one is returning my call. and I do not have a bill to pay till now! I need help please. I am suffering with this company and I regret every minute I spent with them. Please help me! I should not owe more than what i was told and I should have a refund!
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Company is reporting incorrect information to XXXX, Experian and XXXX for a payment that was never late in XXXX XXXX XXXX. The payment was made on XX/XX/. My due date is the XXXX of each month. If they say I was a month late than from XX/XX/XXXX to XX/XX/XXXX would have been less than 30 days. I have attached all my payments up to date.
Consumer complaint received 2021-11-27
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was forcibly charge on my card I had replaced and the amount was doubled. I contacted the sources a refund was issued. And not it is showing on the statement 4 times as adjusted but never returned as credit. It becomes confusing and I do not want to be take advantage of assuming the professionals are going to handle this occurrence.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

There were late payments reported on my auto loan account that were not accurate. I had submitted supporting documents from the auto lender and the late payments were then removed by XXXX. A week later the late payments were inaccurately reported again by XXXX. Experian also reported late payments that are not accurate on my auto loan account. There should be no late payments reported on these accounts.
Consumer complaint received 2015-10-22
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

I had just asked Home Depot to keep my account open. They said it would be closed since I had not used it very often. 
I made XXXX small purchase in XXXX 2015 on my Home Depot credit card. I did n't think anything about.I expected to get a statement in the mail and pay if off. Done. 

I did n't know there was a problem with the Home Depot credit card until it showed up in my online XXXX account. I had no idea that anything was wrong. It was reported that I had missed a payment and it was 30 days overdue. I was shocked to say the least. I paid the balance off as soon as I found out and setup an online Home Depot account. 

Home Depot said the monthly statements with the overdue amounts/notices/ overdue fees were sent to me via e-mail. I never received any of them. I did n't expect the Home Depot account to be paperless so the e-mails more than likely ended up in the spam folder. 

I do n't recall setting the Home Depot account to be paperless. I expected to receive a statement in the mail. They did n't do anything else to let me know the account was thirty days overdue. I did n't even receive a phone call or any other form of communications. NONE. 
Home Depot did n't think e-mail statements were a very good idea for me so they STOPPED my PAPERLESS e-mail statements and moved me over to paper statements. They did all of this without even asking me for my permission or what I would prefer. 

They finally send me a real, paper statement in the middle of XXXX 2015 for the purchase I made in XXXX 2015. 

It is too late to start sending paper statements. Home Depot should have done that months ago. I have never missed a payment in 41+ years of having credit. NEVER. NOT XXXX. Now my credit is destroyed. My FICO has dropped over XXXX points. There is something very, very wrong with this situation. 

I thought this was an isolated incident and was something specific to me. After a few XXXX searches, I am finding out that there are many, many other Home Depot credit card holders that have encountered ordeals very much like mine. 

I want this taken off my credit rating. If they had mailed me a statement like they were supposed to do this would never had happened. They did n't make a good faith effort to let me know the account was going to be overdue.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX is reporting my social security number associated with a fraudulent alias created by a financial criminal. The fraudulent alias, " XXXX XXXX, '' is associated with social security number and keeps getting reported by XXXX XXXX XXXX XXXX to Trans Union. By doing so, XXXX XXXX XXXX XXXX is effectuating financial fraud and permitting XXXX XXXX XXXX to commit financial fraud and identity theft against me.
Consumer complaint received 2016-11-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My date of birth is incorrect in my credit report. It has my date of the birth year as XXXX and I was born in XXXX. Anything that happened or that is shown on my credit report is not my responsibility. Plese make these corrections to show correctly on all XXXX major credit bureaus.
Consumer complaint received 2020-06-29
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have contacted the credit bureau of this inaccurate information to be removed and the court order attached from the court of the alleged debt was dismissed without judgment of {$0.00} because it isnt mine. 
I have not supplied proof under the doctrine of estoppel by silence, XXXXngelhardt v Graves ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
Attached is the court order from XXXX XXXX XXXX XXXX.