davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

My debit card info saved in the XX/XX/XXXX app was stolen and I was charged for 4 transactions totaling {$160.00} on XX/XX/2022. The unauthorized XX/XX/XXXX orders were placed in 4 different states in the same afternoon. I immediately saw the notification from my bank ( chime ) and disabled and cancelled my debit card to avoid further theft. I flagged these 4 fraudulent transactions in my banking app as well. Ive spent a lot of time trying to correct this and receive a refund- I have tried all methods of communication ( chat, email, phone ) with both companies involved ( Chime and XXXX ). Despite my tenacious attempts, no resolution has been made. XXXX customer service agents directed me to file a chargeback with my bank. They said that in instances like these, the bank will refund their customer and then chipotle will refund my bank as well as pay them a small fee. I relayed this information to chime customer service agents. I followed up after my dispute for fraudulent transactions was denied by chime. They told me no error was made. I rebutted this decision and requested that my dispute case be reopened. I emailed screenshots of the order confirmation emails I received fromXX/XX/XXXX, showing the time as well as the various locations that these transactions were made. My request to reopen my fraud investigation was declined. I have followed up with every email and phone call from chime and XX/XX/XXXX. This has been shockingly difficult to receive any help. I asked both companies multiple times what I could provide to prove my location was nowhere near the locations of these transactions. The only answer chime customer service agents provided me was the to send in a photo of a paystub if I worked on the XXXX. This theft occurred on the weekend, so I was at home all day, not at work. After telling customer service agents this, no other real solutions were given. I had no idea it would be this frustrating and difficult to simple receive a refund of my stolen money. Finally, I came up with an idea to email chime support a photo I took at my house on the afternoon of XX/XX/XXXX ( when the fraudulent orders were placed ). I also attached a screenshot of the metadata of that photo - proving that I was at my house when theXX/XX/XXXX orders were placed in multiple states far from my location. Im not sure how else to prove to my bank that these four transactions were fraudulent. Chime responded once again in an email saying that sufficient evidence was not provided. Please help this come to the correct resolution.
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc. (TX)

I have tried calling the company that I owe my debt to and they were rude and hung up on me on several occasions. I am trying to pay my debt off because I am wanting to make a home purchase, but I am unable to since they are not wanting to work with me.
Consumer complaint received 2023-07-22
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. (VA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX : {$19000.00}.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed that belong to a family member but I myself never resided at the following XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OHXXXX XXXX XXXX XXXX XXXX OH,XXXX  XXXX XXXX XXXX XXXX  XXXX OH,XXXX  XXXX XXXX XXXX XXXX XXXX OHXXXX My only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2022-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been a victim of identity theft. I wanted to apply for a mortgage when I realized that I had an account with Capital One that was unauthorized by me. My personal info has been compromised in a the XXXX Data breach and my information has ended up on the dark web. This account does not belong to me and I did not open it
Consumer complaint received 2022-06-02
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. (CO)

sent letter to the three bureaus transunion, XXXX and XXXX on XX/XX/2022 and XX/XX/2022 and havent got a response yet. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


. Validate Verify XXXX XXXX Account XXXX : Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account XXXX : Please remove this inaccurate information from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

. Validate Verify XXXX XXXX Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

EXPERIAN CREDIT BUREAU has reported an incorrect account as a collection without any proof or verifications because I HAVE NEVER had an account with XXXX. XXXX CAN NOT VERIFY MY PERSONAL INFORMATION, SIGNED AGREEMENTS, CREDIT CARD INFO FOR PAYMENTS. THIS ACCOUNT WAS PREVIOUSLY REMOVED FROM ALL 3 CREDIT BUREAUS FOR FALSIFICATION
Consumer complaint received 2022-06-02
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 called Experian after I purchased a credit report from Experian.com on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE item on my personal profile, I noticed that there was an : Account : Bankruptcy XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, drivers license, and 1040-ES Form for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.
Consumer complaint received 2022-06-02
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. (FL)

I canceled my paid subscription with XXXX and Transunion last month. Around the same time, I launched a complaint against XXXX and Transunion for reporting inaccurate information on credit report. 
However, I didn't close my credit monitoring accounts completely. Once, I canceled my Paid subscription with XXXX and Transunion I was no longer able to log in or access any of the free products .When I tried to access the free products such as Credit Lock or when I wanted to put a freeze on my credit reports I was given a phone number to XXXX and Transunion and instructed to call them. I called them and they verified all of my personal information with the automated systems. Then i was asked about four questions relating to accounts I may or may not have. Each time I answered the questions the automated voice system said that they were unable to help me. I was unable to speak to a representative. I know what accounts I have and don't have. I am positive that I answered all of their question correctly. It is very frustrating that I am unable to speak to a real person when I call. It is also very suspicious timing that I am unable to access my credit report right after I canceled my Paid subscription. I only canceled temporarily because of financial reasons. I still need to have access to my credit report and or free products on a daily basis. I feel that I am being punished by XXXX and Transunion because I filed a complaint and stopped paying them. Please help me.
Consumer complaint received 2020-05-18
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. (NC)

I have sent in an Identity Theft report to the Credit Bureau, regarding Fraudulent accounts that are reporting on my Credit file due to identity theft. This has been going on for too long! The credit bureau refuses to remove these accounts. I have requested on several attempts for them to please sent me their METHOD of how this investigation is coming back as verified? I have not received any documentation, signatures nor ID on file. I have sent in several disputes by mail and online with the attached Identity theft reports and they refuse to further investigation and remove the accounts. I did not open these accounts and they refuse to remove these. from my understanding by law once I have turned in this Police/ Identity theft report, they are automatically supposed to remove those Fraudulent accounts. I am demanding that you CFPB, have the credit bureau remove & Block these accounts from my credit file. I will seek Legal action under the FCRA act will be taken in place and I will have my legal counsel to begin the process of suing.
Consumer complaint received 2022-06-02
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: FIRST NATIONAL BANK OF OMAHA (TX)

On XXXX XX/XX/XXXX I received a notification that I was added as an authorized user on a XXXX XXXX XXXX account that made 100 % of payments on time. I thought this was odd and atypical of a fraudulent account so I checked with those close to me if they had added me. My parents recognized the account as one of theirs but had not added me ( I believe this as they have 0 reason to add me and that is their least used credit card ). It came up on my XXXX report as FNB Omaha and has an account opening date of XXXX XX/XX/XXXX.
Consumer complaint received 2022-06-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (CA)

On XX/XX/2022 I made a transfer from my XXXX  wallet to Coinbase account for XXXX XXXX  which was valued at XXXX XXXX  which is XXXX XXXX. The transfer went into the Coinbase main account and not my personal Coinbase account. I contacted Coinbase customer service to resolve the issue with my transfer. Coinbase customer service is the worst. I opened multiple tickets ; XXXX on XX/XX/2022 via chat, yet there was no resolve. I made countless phone calls and opened the following tickets to try and resolve the issue, tickets ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Coinbase kept my XXXX XXXX for almost 2 months. On XX/XX/2022, Coinbase transfered the incorrect value into my account. Coinbase transfered {$12.00} worth of XXXX  value at XXXX per XXXX. I have contacted customer service about this issue with proof and they are ignoring the issue. I was not given the correct value. I did not make the transfer on XX/XX/2022, I made the transfer on XX/XX/2022. Coinbase kept my XXXX XXXX for almost 2 months. Then i'm given the lowest value of XXXX? This is unethical and unacceptable.I gave Coinbase plenty of time yet the transfer amount does not reflect the accurate value when the original transfer was made on XX/XX/2022. I want the correct value of XXXX per XXXX which is {$23.00} that was made on XX/XX/2022. 

The value at the time of the transfer was {$23.00} at the time, this is what I expect. The cash value of the transfer was {$23.00} on XX/XX/2022. I'm looking for the value of the transfer on XX/XX/2022, which was XXXX per XXXX at the time. 

The hash of the original transfer is proved below. The transfer was done on XX/XX/2022. 


https : XXXX Other transfers where made on the same day and time. The value at that time is XXXX per XXXX. Coinbase owes me {$11.00} worth of XXXX. 

I opened multiple tickets with no resolve. This is the worst customer service experience. I submitted all the proof that this transfer happened on XX/XX/2022 and the correct amount is {$23.00} in XXXX. 

I want the correct value at the time of the transfer which was XXXX XXXX which equals to {$23.00} at the time. The transfer was done on XX/XX/2022 and the XXXX value was XXXX which had a total value of {$23.00}. I want the remaining balance of {$11.00} worth of XXXX.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello I am having trouble with my credit report being updated in a timely manor. My credit cards are all at XXXX balance and my fico XXXX score has updated some but my fico XXXX score hasn't update at all. I actually think this is very unfair because if I use one of my cards it is updated so quickly. I have sent in written documents to all credit bureaus for late payments and reporting and haven't receive any response which is very unprofessional. I am hoping that once this letter is written someone will take action and help me. It seems like the credit companies and credit card companies etc can do what they want and when they make mistakes they are not held accountable to fix any wrong that has been done.
Consumer complaint received 2022-06-02
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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
Consumer complaint received 2022-06-02
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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
Consumer complaint received 2022-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (VT)

i applied to the vermont homeowners assistance program in XXXX XXXX XXXX.i was approved for a grant to reinstate my mortgage on XXXXXXXX sent an I-record request on that date and my mortgage company which is fay servicing have not responded to the I-record request. this is hold up the funds and they want to foreclose on me. if they had responded i could have resumed my payments, now i am way behind instead of being only 3 or 4 months
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute with Transunion, XXXX and XXXX, credit reporting agency, I have paid off XXXX XXXX - account number - XXXX XXXX XXXX XXXX which was paid off in the amount of XXXX on XX/XX/XXXX. Transunion, has responded back to stating that the Dispute that I filed was inaccurate and the credit reporting is correct. 

This is not correct as this is paid in full with XXXX XXXX. This is a prime example of the reporting agency not really following up with your dispute request when consurmer are filing a dispute. 

Please update my credit file for this creditor. This is paid in full. Please see the attached paid in full letter and update my credit file for all agencies. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-02
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. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT ALL OF THE LISTED BE REMOVED TO CORRECT MY CREDIT FILE I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS IMMEDIATELY OR I WILL GET MY ATTORNEY INVOLVED.
Consumer complaint received 2022-06-02
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. (GA)

15 USC 1602 ( p ) - Congress ensured that unauthorized use of a consumers information is a violation. Any violation is a civil liability paid to the consumer. You have deceived me, you have frauded me, and committed identity theft, you have caused pain and suffering. I, XXXX XXXX did not give written consent for the accounts in this complaint to be furnished on my consumer reports. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 

COLLECTION/CHARGE OFF REMOVAL Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
Best Regards, XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved Attached is my identification.
Consumer complaint received 2020-05-18
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX-REPORTED XXXX {$36.00} XXXX XXXX REPORTED XXXX {$35.00} XXXX {$110.00} XXXX XXXX {$330.00}
Consumer complaint received 2020-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One issued a statement on XX/XX/2020 that i owed {$22000.00} by XX/XX/2020. 
I made a small payments all along the month of XXXX which totaled {$20000.00}. 
My payments were made thru the web-based app. 
I assumed that I had paid the entire amount as the there is no way to figure out on the app if your statement balance is met in full. 

Due to the Corona situation, I was busy with so many things. 
I didnt check my XXXX statement until XX/XX/XXXX and I saw that I was hit with an interest charge of {$160.00} for missing the full payment. 
I called them and paid the past balance and an additional payment totaling XXXX. 
I asked them to waive the interested, they denied. 
I called them additional 2 times after that I was caught up in so many things and assumed that payment was fully made. 
They didn't care. 

I just got the XX/XX/XXXX, statement. 
They charged me an additional {$170.00} interest. 

I have closed the account to never do business with such a greedy and unforgiving bank. 
Even in times of crisis, this bank didn't care for the consumer.