davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc (FL)

On XX/XX/XXXX, I applied for a Chime account through the XXXX XXXX bonus points promotion ( please see attached for promotion details ). I met all of the requirements which were : 1 ) Enroll with Chime between XX/XX/XXXX and XX/XX/XXXX 2 ) Download the Chime App 3 ) Make a minimum first deposit of {$100.00} 4 ) Receive your first direct deposit and receive your first paycheck by XX/XX/XXXX I met all of these requirements by XX/XX/XXXX. The promotion stated to allow up to 90 days for Points to be credited. This meant that the points should have posted by XX/XX/XXXX. 

XXXX website stated : " If you are not credited within 90 days of offer completion, you have 14 days to contact the XXXX Help Center for further investigation. '' I duly complied and I submitted Tickets through XXXX Help Center on XX/XX/XXXX and XX/XX/XXXX and received no responses or a resolution. I provided supporting documents that I met the requirements. 

Chime is also not willing to confirm with XXXX that the requirements were met so that XXXX can issue the XXXX points as detailed in the promotion ( please see attached documents. )
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (NC)

Old Acct # XXXX Acct # XXXXHello My name is XXXX XXXX and we were sent to BSI Financial from XXXX XXXX XXXX. We were in Foreclosure. I filed for Bankruptcy in XX/XX/XXXX ; Once approved and was given an amount to pay monthly, I filed for a Loan Modification in XXXX of XXXX to begin making payments again with BSI Financial. After three weeks I called and was told to be patient they were processing it. I called about XXXX times total and was given the same information. On XX/XX/XXXX the envelope I sent with the modification paperwork came back, return to sender. The address for BSI Financial matched the address to this company. I am very dissatisfied with this company. I am trying to keep my home and work with this company to do so but to no avail. My desire is to receive a loan modification and continue to pay my mortgage to keep my home. Where do I go from here? 

Thank youXXXX XXXX
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

I recently received an account opening denial from XXXX XXXX. In there writing they said it was a negative report from Chex systems. I had a prior complaint to them last year regarding negative false reporting by XXXX XXXX XXXX, case number XXXX. 

I called them up over a week ago and I asked them what was being reported and they said there is no negative reporting on your account, but the guy became very rude in his response, and i noted a year prior another person who was from XXXX treated me like I was a guilty criminal and didn't do anything. I let that woman know how wrong she was and that you can not assume i am involved with check fraud because an institute reports it. I believe negative reporting ( especially internal notes ) is still being reported with out me knowing. XXXX XXXX closed 2 newly open trading accounts, one with shares in them. I have gone back and forth with XXXX XXXX about this and they tell me its ChexSystems reporting this and I don't even know what it is, and nobody will tell me what it is. 

I have a SBA EIDL loan in process them telling me nothing negative is on my account and not sending me a report has me really bothered, and people with these type of attitudes for what ever reason has me concerned. Chexsystems operates with impunity in negative reporting whether you are guilty or not, and there is no one or nothing to keep them in check. My question is why???? 

Respectfully, XXXX XXXX
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting act XXXX  Account # Account name XXXX XXXX XXXXXXXX. 
Account number XXXX XXXX creditor. 
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Account name XXXX XXXXXXXX XXXX XXXX Account number XXXX Original creditor. 
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Account name XXXX XXXXXXXX Account number XXXX Original creditor. 
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Account info Account name XXXX  XXXX Account number XXXX Original creditor. 
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Account info Account name XXXX Account number XXXX XXXX creditor. 
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Account name XXXX XXXX Account number XXXX Original creditor. 
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Account info Account name XXXX XXXX Account number XXXX Original creditor. 
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Account name XXXX XXXX XXXX Account number XXXX Original creditor 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
Consumer complaint received 2022-01-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company (CO)

XX/XX/2020 I filed for for COVID Forbearance as I was going through divorce and bankruptcy simultaneously. Originally my home was listed in a trust that I was the grantor of and my ex-wife and I were both trustees. Due to my bankruptcy I had to revoke the trust and revert all property in a trust back to my name. At the end of my forbearance. My mortgage company guild mortgage would only provide impartial agreements and my ex-wife and eyes name preventing me from returning my home. When I pointed out the discrepancy they refused to change the paperwork to my name solely. I am the only borrower on the loan as well.
Consumer complaint received 2022-07-19
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Indiana ). 
Kohl 's IT department has record of me trying multiple times over multiple days of trying to pay my online bill. It should be noted that this bill was for XXXX dollars, XXXX of which was due immediately. I was never late with my payments. Since it was a problem on their end ( I was out of the country and unable to mail/call to pay ), I asked them to remove this in good-faith, since I have been a customer for many years, and the amount was miniscule. They said they would do this and have not done so. It is very negatively affecting my credit and I'm aware they do this for others. It just feels random, i.e., whomever answers the phone.
Consumer complaint received 2021-04-07
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)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2020-12-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FIDELIS RECOVERY MANAGEMENT, LLC (WI)

Everyday for the last 3 months, they call my work number and let it ring once and hang up. They do this between 5-7 times a day. They are harassing me at work, but when I asked them to stop calling my work and to call my cell, they still call. 
Multiple calls daily, just calling and hanging up.
Consumer complaint received 2022-07-19
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. (SC)

Regardless of multiple written request, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XXXX, 2022, but no answered were ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$15000.00}. 
XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 and the bank 's records ( learned through more research both parties require ). Please block/remove these from my files : EQUIFAX : XX/XX/1971 XXXX 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 XXXX XXXX XXXX Balance : {$630.00}
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

Good afternoon. My name is XXXX XXXX and Im writing today in hopes that someone can help me with an issue Im having with credit reporting on my Experian account. I checked my account and noticed a bunch of inquiries ( Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX MO XXXX of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX ) I did NOT authorize. So my first move was to attempt to contact some of these companies, NONE of which were willing to work with me due to the fact I didnt have an account with them. I then proceeded to dispute by mail to Experian. Once they received the disputes, an email was sent to me stating theyve come to a conclusion. The email didnt contain the results to the dispute so I called. The representative I spoke with FLAT OUT told me they were not allowed to dispute them while leaving a vague reason as to why. I asked him about the verification of them as well and he refused to provide anything. As a 609 right I demanded he provide me with the information pertaining to verification and her refused. He then proceeded to transfer me to the identity theft dept before the call abruptly ended. I would love it if someone could please look into this. Im trying to get a house and these things are really a hindrance to that. Experian refused to help me Im hoping you all chose a different path. I would appreciate that dearly. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-19
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. (SC)

Regardless of multiple written request, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XXXX, XXXX, but no answered were ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$15000.00}. 
XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-19
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. (VA)

In accordance with the Fair Credit Reporting act XXXX, contract callers inc has violated my rights.

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
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is so annoying & frustrating. Ive sent the bureau multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In the bureaus responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The Privacy Act of 1974, as amended, provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. Secondly, inaccordance to 15 USC 6802 states we can opt out of anything. That law clearly states that I have the option to opt out of anything and companies are supposed to sendthis to us every month and I never recieved one from XXXX XXXX XXXX XXXX XXXX ( XXXX ) and or XXXXXXXX XXXX  According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise theirgrave responsibilities with fairness, impartiality, and a respect for the consumers rightto privacy. Your company is in clear violation of the law, under 15 U.S. Code 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) INGENERAL Subject to subsection ( c ) any consumer reporting agency may furnish aconsumer report under the following circumstances and no other : ( 2 ) In accordancewith the written instructions of the consumer to whom it relates. Did I give you writteninstructions to furnish all the above accounts on my credit report? Furthermore, theFAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from aconsumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided inparagraph ( 3 ), the term consumer report does not include- ( A ) Subject to section1681s-3 of this title, any- ( i ) report containing information solely as to transaction orexperiences between the consumer and the person making the report ; As statedabove, delete the above late payments AND account statuses from my consumerreport, this agency in in violation of 15 U.S. Code 1681.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

There are three accounts on my credit report that I have been disputing since XX/XX/2020 and nothing has been done no one is helping me the bureaus are completely ignoring my letters and my calls. I am getting tired of this and the run around I have opened up an FTC I have been contacting the bureaus and sending letters and I feel like they are not even looking at my letters or care. I need this taken care of since it is causing me great grief and problems in the family. These accounts are not mine and I dont know how else to say this. 
XXXX XXXX XXXX. - Acct # XXXXAmt {$0.00} XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX Acct # XXXXAmt {$3900.00}
Consumer complaint received 2021-04-07
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)

I disputed a XXXX account as not mine and the investigation finished on XX/XX/XXXX showing the account is mine. I accept this. TransUnion made an error updating my credit report. It shows that my four late payments were in XXXX, XXXX of XXXX then again in XXXX and XX/XX/XXXX. TransUnion did not understand that they updated my credit report incorrectly on XX/XX/XXXX. The investigation results from XXXX show that these payments were from XXXX. It now looks like I was delinquent this year and that is not true. TransUnion says I need to dispute with XXXX, but it is TransUnions reporting of the investigation results at issue.
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX, contract callers inc has violated my rights.

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
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TN)

I have a Comenity Ulta Mastercard. 
I have not had access either online or by phone to this account since late XXXX. 

Evidently, they went through a system upgrade and it was a disaster. 
I read on XXXX and other forums that no one can get through to them, use their card, or make payments. However, I did get a text about a late payment. 

This company is holding people XXXX!
Consumer complaint received 2022-01-18
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: EQUIFAX, INC. (IN)

This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. XXXX assured, I will hold you to account. 

As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :
Consumer complaint received 2022-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK (NJ)

I, as a federally protected consumer, have reached out to Discover Student Loans via certified mail requesting information in which I have yet to receive neither a response nor the information in which I requested. The certified mail is posted as received on XX/XX/20XXXX XXXX XXXX XXXX.