davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (FL)

I have been a customer with chime for 2 years. With my business dealings & personal dealings. XX/XX/2021 Chime Randomly froze my account for what they say Hi XXXX, Thanks for reaching out to Chime Member Services. One or more of the Pay Friends transfers you received has been reported to Chime as an unauthorized transfer, as a result a temporary hold has been placed on your account while our Disputes team investigates the validity of this claim. Please note : Investigations are typically completed within 14 days, but may occasionally take up to 45 days. 

Submitted ALL the documents 3 minutes after they said it was too blurry. Waited the 48 hours they said wait! NO RESPONSE. I reach out again NO RESPONSE. Everytime I call there is no option to speak to a special department only email. I have emailed 4 times & called over 10 only for chime not to say anything about my XXXX theyre withholding. 

My file was supposed to be escalated & at the current moment NOTHING has happened, getting the run around
Consumer complaint received 2023-04-14
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-05-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

XXXX XXXX Will Not Work With Me, A XXXX XXXX On A Fixed Income, With Removing A Late Payment On My Account. This Is Negatively Impacting My Credit Score, I Sent Them A Good Will Letter Stating That I Had Some Health Issues And That I Was On A Fixed Income. This Is The 1st Time This Has Happened And It Is Absolutely Ridiculous That My Credit Card Comnpany, XXXX  XXXX Will Not Work With Me Even Though I Sent Them A Good Will Letter. The Case Number With XXXX XXXX Is XXXX
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I've been disputing these charges for over a 5 years, the charges were made in Texas when I live here it is effecting my father XXXX XXXX and my XXXX XXXX credit and I'm a young man trying to purchase a home. We've possibly determined that my brother may have used my card unfortunately he passed away last XX/XX/2020 from XXXX XXXX due to XXXX  XXXX which has been very traumatic for my family. I did not make these charges and would ask that it be removed from my credit bureau and my father 's. Our lifes have been turned upside this passed year and I'm trying to move forward from this grief. 

Thanks for your time and understanding XXXX XXXX
Consumer complaint received 2021-11-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC (GA)

I was sued without given Noticed by Cooling and Winter Attorney 's at law at or about the middle of 2019 for and alleged debt Re a credit card I once had with XXXX XXXX XXXXXXXX. This account was disputed with proper notices before it was allegedly assigned to COOLING & WINTER ATTORNEYS LLC. In 2019 after receiving debt collection letter from said attorney 's office I started my administrative process and was still sued without proper notice { I found out I was sued by receiving over 20 different letters in my mail from from a bunch of attorneys stating that i was sued in XXXX County Court } this was really embarrassing to know that at the time I was communicating with said debt collector. 

I then sent an affidavit to Cooling an Winter Attorneys at law after which they Voluntarily Dismissed the claim with prejudice after about 7 to 8 months a few months a second claim was filed in the court. 

I Completed another set on Administrative process by sending notices and affidavit where I was only sent one response that they " Cooling at Winter '' is not obligated to validate said alleged debt. 

I had obtained a certified copy of a lien search from the Secretary of State of Georgia on the name associated with said alleged debt which reveal there is no lien filed by Cooling and Winter Attorney 's LLC. am alleging this is a simulation of a legal process which puts the consumer in a disadvantage in accessing credit. 

On Monday XX/XX/XXXX I sent a Notice of Liability with intent to sue and a Bill of Particulars. 

I have reason to believe and do so believe that said third party debt collector overstepped their authority by filing a matter in the court and did nothing to even have a service of processor serve me the summons to answer even after I had completed my second administrative process as at the time of writing this the claim is still before the without the fees to process same. I am alleging this is a criminal simulation as its negligence, incompetent or malice and just a wanton disregard for the consumers laws.
Consumer complaint received 2021-07-16
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: National Credit Systems,Inc. (TX)

National Credit Systems has been contacted multiple times by the credit reporting agencies asking for them to validate the account they are attempting to collect on that is in my name. I am a Texas resident and have never lived outside the state of Texas. This debt is for an apartment complex in Missouri. I also have reported identity theft to all the credit bureaus and have had an extended alert on my credit since 2007. I have disputed this debt multiple times and NCS has yet to provide validating information.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (IL)

I purchased 2 vanilla gift cards/Visa. They were stolen from my wallet. I am trying to report them stolen and get new cards. After hours on hold I gave the vanilla gift card person the serial numbers for the cards. I have the receipts for the purchase of the cards ( originally {$500.00} each ). The person wanTed my birthday and a color copy of my driver 's license and a bill showing my address. As being the victim of prior identity theft I did not give those items. Personally i believe that in house person is gsthering information to sell or to create fraudulent activity. What do I do now? Thank you
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (OH)

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  Acct # XXXX. 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 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 2022-10-09
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-02-23
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. (FL)

My information has been stolen by someone unknow and they have been using it to get credit on my name, i have been very responsible securing my personal information, i cant think how they got their hands on my information, as a person that barely used credit, i can not explain how it is destroying my name / credit rating. my goal for this is to have all debt that does not belong to me removed delete and block from reporting to credit ever again.
Consumer complaint received 2021-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Burr & Reid, LLP (PA)

XX/XX/XXXX I started receiving XXXX due to my XXXX. 
XXXX XXXX XX/XX/XXXX I stayed in the hospital due to having contractions and my daughter being born. 
Hospital never asked for my XXXX insurance card. I never asked since I have been to that hospital more than 3 times during my XXXX and they should have my insurance cards in their computer system. Today I looked at my credit karma and turned out XXXX never paid for my childs birth. I have {$15000.00} in collections that needs to be paid my insurance and my credit score dropped drastically bc of that. Please fix this. -XXXX XXXX
Consumer complaint received 2019-10-24
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. (WA)

XXXX  ; XXXX and Transunion are reporting incorrectly lates from XXXX, XXXX to XXXX, XXXX on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account was approved for a loan modification and during this period of getting the loan modification approved, this account should not have been reporting any late payments. This account has since been sold and should not be reporting on my credit report. This inaccurate reporting of lates on an account that has since been sold is seriously harming my credit score and this line item needs to be removed from my credit report. I have attached a copy of the loan modification documents for your reference. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXXXXXX XXXX  Account # XXXX I was never late, 30 days XX/XX/XXXX, 60 daysXX/XX/XXXX, 30 daysXX/XX/XXXX, 30 days XX/XX/XXXX, or 30 days XX/XX/XXXX. 

Im not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2021-08-18
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. (FL)

SLS, LLC has a mortgage on our home. They falsely reported late payment dates to the three credit bureaus : Equifax, XXXX, and XXXX. This is causing physical and emotional harm to US XXXX and XXXX XXXX XXXX I had to give up my job to become a permanent, full time caregiver for my husband who developed a chronic illness due to the XXXX pandemic. We can not afford the home we will live in now and need to sell our home and find one that is smaller, more affordable, and retrofitted for a person with a XXXX. We can not sell our own home until we have mortgage pre- approval to purchase another home. XXXX XXXX MUST CONTACT THE CREDIT REPORTING BUREAUS IMMEDIATELY AND CORRECT THE FALSE INFORMATION. Unless XXXX, XXXX makes the corrections to our credit reports we will not be able to get another mortgage loan and the physical and emotional hardhip will continue. We were in a loan modification program in XXXX through XXXX and a forbearance in XXXX which continues. XXXX, XXXX falsely reported late payments for the XX/XX/XXXX mortgage payment ( XX/XX/XXXX fell on a Sunday ). They had the payment in their possession but did not account for it until Monday XX/XX/XXXX they accounted for it as a late payment even though the bank certified check was check dated prior to XX/XX/XXXX. It was it not a late payment. XXXX XXXX continued to report late payments for XXXX, and XXXX to the three credit reporting agencies during our modification program and forbearance. I called Fannie Mae on XX/XX/XXXX regarding this false reporting. The agent told me that EVEN IF WE WERE IN A MODIFICATION PROGRAM THE PAYMENTS SHOULD NEVER HAVE BEEN REPORTED TO THE CREDIT BUREAUS AS " LATE ''. THE AGENT ALSO TOLD ME TO CONTACT SLS, XXXX IMMEDIATELY TO DEMAND CORRECTION OF THE CREDIT BUREAU REPORTS. I wrote to XXXX XXXX and demanded the corrections.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NC)

I received a bill from Old navy/ Synchrony Bank that was due on XXXX for the amount of ( {$28.00} ) which was my minimum payment Due. Because of COVID-19 and the  lack of work I was behind a few days so I made a payment on XX/XX/XXXX in the amount of ( {$250.00} ) which included a late fee which brought my account to a XXXX balance. After that I had not received any more bills from them which I wasn't expecting because I had paid the whole balance and had not made any more purchases. On XXXX I received an alert on my credit report that I was mark as 30 days late for a balance of ( {$6.00} )!!!!. I called the company to explain why this had happened especially since I had a XXXX balance the rep told me that it was interest. I then asked why did I have a interest on a XXXX balance. I was then put on hold and the rep came back stating that she wasn't sure why exactly why this had happened but that she would remove the ( {$6.00} ) charges which would clear my account. And that i would see if refelted on my account within 24-48 hrs. I then asked to speak with a supervisor or the credit reporting department so that they could also fix the error on my credit report. The rep told me that I would need to contact the credit bureaus for that to be corrected. I then asked why would I need to do that when the error was made on their end and the rep again said that she had cleared the balance but I needed to contact the credit bureaus to remove the 30 days late remark that had recently dropped my score 58 points. I explained to her that I had perfect payment history and had never had a remark like this on my credit and I needed it corrected. The rep was unsure what to do and disconnected the call.
Consumer complaint received 2022-08-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX MT XXXX XXXX XXXX TN XXXX EQUIFAX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX RE : Social Security Number : XXXX and account reported from ONEMAIN with account # [ XXXX ] ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND CERTIFICATE EACH EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 
XXXX XXXX
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2021-08-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

I was vacationing in the XXXX XXXX from XXXX and on my way back home I lost my phone. Whomever found my phone hacked into all my bank accounts and social media. They changed my social media passwords, email addresses and sent money to people from my accounts. They also started running a scam from my social media page saying you could get a hefty return from a small investment. My friends and family called my fiancee asking what was going on my social media. When I was made aware of everything I called all my financial institutions and advised to block all of my accounts and credit cards. When I spoke to chase I advised that the XXXX payments and the XXXX XXXX was not made by me. I went in to the Chase Branch in XXXX and spoke to a rep. who helped me close my existing account and open a new one. They temporary refunded the credit, however 2 days ago they reversed it. They said according to their records facial recognition was utilized and they do not believe me. I supplied proof of my vacation, emails I sent to instagram about the hack and screenshots I obtained from my family and friends showing the person was conducting a scam using my personal information. When I finally regained access to my icloud email account.. I supplied them with an email that said my account was logged into from XXXX However, I was not in XXXX on XX/XX/21, but I was not, that was the same day I come back home from XXXX XXXX. I also advised my XXXX transaction are consistent ... I always send it to people in my contact list and I have never had an issue like this. What is the point of using a financial institution if I am not protected in any way. Nowadays, nothing is unhackable or fraud proof and they refuse to help me or look into it. In addition, when I filed the claim the fraud representative advised this should be relatively easy because the person who it was XXXX to also had Chase. Chase has not looked into the claims any further nor done anything to suspend the other person 's account considering they are committing fraud from their banking platform. I have have always banked with Chase ... first through my personal accounts and then with my business. I do not know how they are not doing anything about this.