davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

I was scammed on XXXX XXXX  on XX/XX/XXXX. I was attempting to purchase a washer and dryer and the seller called himself XXXX XXXX and he had a set for a good price. I told him via messenger that id take them and he said if i wanted them the only way he'd hold them for the 2 days till i could pick them up was if i sent a XXXX XXXX deposit to him as a down payment to hold them. So i did as he requested and 2 days later when i went to message him he had closed his account. He said he was engaged to a XXXX XXXX and the cashapp id showed XXXX XXXX which the guy told me was his son. He said they live in XXXX and ive found since then the guy and his so called wife keep making new profiles to sell the same appliance set. Ive reported this to XXXX but they dont care. Nothing unusual there! I went to my bank chime and disputed the charge. Chime denied my dispute within an hour or 2 even though their own written dispute directions clearly says a customer has 24hours to email supporting documents to assist in the decision making. Then after they declined mine so fast that then pushed me into having no chance of seeing my money anytime soon because after a declined dispute and resubmitting it they then have up to 45 days. They waited weeks and then still declined my dispute. This time i asked them to tell me how theyve come to this decision when i sent a ton of supporting documents that clearly showed i was a victim. They sent me a paragraph explanation as to how they decided. The issue is i read the paragraph at least 5 times and it dorsnt relate to my case at all. It talks about the seller being responsible for warranties and services. Well you must have actually gotten a product to need a service call or a warranty.. I then messaged them back and told them i dont see how this is related to my situation so plz explain. They refused to say more all they would say is well if you have new info to add then we will reexamine it but besides that is there anything else i can help you with... I filed a report on the theft with the FTC and in fact it was your website that told me chime should be honoring this dispute as a fraudulent transaction. So i just messaged them a snapshot of exactly what i read on this site which fits my situation to the tee. So i suppose we'll see what kind of XXXX they try to make up next i suppose...
Consumer complaint received 2021-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paradigm Assets, LLC (HI)

I have been trying to get a house loan for about 4 years, but this collection account keeps showing, I have done all the steps necessary to pay back this debt, to the original creditor as well as the collection office, at this moment I'm requesting this collection to be deleted because of the fallowing reasons. 

I have made multiple attempts to pay it I have received no return phone call from them and the phone # s listed by XXXX and the XXXX for them hang up before anyone answers.
Consumer complaint received 2021-11-29
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: EQUIFAX, INC. (VA)

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within four days upon receipt of this correspondence. I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.
Consumer complaint received 2021-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I bank with JPMorgan Chase Bank. I've been baking with Chase Bank for almost 2 years now. 3 days after I open my Chase account in XXXX of XXXX. 3 days after opening the account it was a fraudulent money withdraw done in XXXX XXXX on my account. Unfortunately I was not in XXXX XXXX. I had possession of the the card. I called Chase to dispute the charges ensure me that what's me, the equivalent of {$220.00} what's lost. I'm insure to chase that I am a victim of identity theft and it was not myself. Just switched bank account numbers and insured me that it's impossible for someone to take money out of my account. Just recently in XXXX of XXXX XXXX an unauthorized person withdrew {$200.00} out of my checking account. I called Chase customer service explaining to them that someone has access to my account that was unauthorized. I'm a victim of identity theft. My account was not secure and I had one account completely Frozen in another account completely compromised. All the fraudulent money transfers cost me {$2500.00}. I requested to close the account. Cases for me that they could not do anything about closing my account because of the open investigation. I now I have three accounts open with Chase that I can not close. I am overdrawn in one account due to fraudulent money wires and withdrawals. Chase refuses to honor the the policy of replacing my funds in my account. Instead I have spent countless hours on the phone and I have had at least two accounts taken over within the last month. Chase seems to not have a solution for this issue and is now not going to reimburse me for the fraudulent withdrawals and charges
Consumer complaint received 2022-05-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I have constantly sent dispute letters for the last 3 months to all three credit bureaus concerning two accounts. XXXX XXXX and XXXX XXXX. XXXX XXXX continues to report different closing dates and last pay dates. I have gotten responses that the account is accurate and verified, which is absolutely false. XXXX XXXX continues to report inaccurate late pays including two 30 day late pays, one in XXXX and the other in XXXX of the same year ( 2019 ), and two 120 days late in XXXX and XXXX of the same year, while the other bureaus report different information as well.
Consumer complaint received 2021-11-29
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)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX
Consumer complaint received 2021-12-14
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. (IL)

I have submitted dispute 3 times on Equifax website and still it have not been fixed. Almost 6 months and still it's hanging. All other credit reporting agency removed my wrong credit inquiry which was made by XXXX XXXX XXXX ( XXXX XXXX ) ( Wrong inquiry ran on XX/XX/2021 ). I have submitted all proof that wrongly pulled inquiry still it's not removed. Even XXXX XXXX  and XXXX XXXX provided all the proof still it's not removed. I am not getting this and if needed I will go at highest level to fight this. Enough patience now, I am losing it.
Consumer complaint received 2021-12-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

My name is XXXX XXXX XXXX and I had been laid off work and was also out for XXXX for XXXX days without pay. I called XXXX XXXX to see what type of help I could receive because at this point I was already a few weeks pass the due date. I talked to one of the customer representatives to see what kind of help was available. The Rep told me to just set up a payment online. I told the representative I would not be able to pay until the following XXXX which would make be 30 days late if ensured me that as long as I made the payment arrangement before the 30 days they would not report it as being late. I asked was the call being recorded because I am in the middle of a loan for a house. I made the arrangement and the money was paid out XXXX XXXX. My loan XXXX informed me that I had a 30 day late on my credit report and I was no longer eligible for the loan. I would also lose the monies I paid for the home inspection and appraisal. I also would lose my XXXX money deposit. I called XXXX XXXX and informed them of all of this and they said if that is what the representative said they would honor that and fix the error. Nothing has happened and I stand to lose everything I worked hard for to buy my home.
Consumer complaint received 2021-12-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-28
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: WELLS FARGO & COMPANY (FL)

On XX/XX/2021, I've used The Wells Fargo credit card on a car rental while I travelled to XXXX. The rental company was at the airport, with no prior reservation. I was told a certain price, late-night arriving a long flight and I agreed, my main concern would have been the security deposit, for which this company XXXX Rental CaXXXX asked for XXXX Euro deposit. I've picked up the car, SIGN THE RENTAL CONTRACT and give my Wells Fargo credit card. 
XXXX days after, I've checked my statement online, my card was charged a huge amount ( {$4100.00} ), so I've called the rental office and I was told that was a misunderstanding between us, the amount told was referring actually/month, I needed the car for XXXX days. When I ask the price for XXXX days, the rental agent/owner told me XXXXEuro with XXXXeuro deposit. He agreed to take the car back. 
Dropping off the car on XX/XX/2021, I was very nervous because that can not ever happen when I request a quote, and I was told that my credit card would be credited the rest of unused days = XXXX days. He said that I will receive an email with my bill. 
As of today, that car rental never returned a penny, I disputed XXXX with Wells Fargo and both times I was denied. Spoke to the executive dept, the same answer. Last week I've closed the account with them, there is no way for me to pay that amount for XXXX days of rental, XXXX closed the XXXX claims while I was abroad they would send everything thru the mail, by the time I could talk to someone in regard to my claim, my claim would be closed because of certain days limit. I've tried very hard to talk to Wells Fargo/many times they don't care and want to keep me responsible for something that I have not used. The rental agency rented the car under my eyes to another person because it was a busy time of the year. 
I don t know what to do to resolve this dispute and no have my credit affected. 
I feel that I am a victim of that car rental and Wells Fargo, never gave me the chance to appeal, keeping me responsible for a huge amount that I can not pay it. I had to rent another car while I was there because I need it, I have proof of that. The only reason I've returned the car was the fact that I was lied about the cost and overcharged. While I was in XXXX I did fill a police report and consumer report to help me out, when I sent it to Wells Fargo they ignore it because was in a foreign language!! I am including in my docs THE XXXX REVIEW answer from the rental company to my complaint. I need help on resolving this dispute, I feel really a victim in using a credit card abroad with no help from Wells Fargo.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I have an account in both my Equifax credit file and on my credit report from XXXX XXXX University, which is listed as the creditor. I contacted Equifax to let them know the information that was being reported was not accurate. I sent Equifax a dispute letter dated XX/XX/2021. I told them there was an incomplete and inaccurate account number, missing date of last payment field, missing date of first delinquency, and the payment history was inaccurate. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a FINAL goodwill attempt to have you clear up this matter. 

Equifax has even gone as far as constantly updating my information in my credit file and on my credit report as they see fit, whenever they want, and updating whatever fields they please. This is getting ridiculous and I am requesting that this account be deleted immediately or I will sue Equifax for violations of the Fair Credit Reporting act and other state and federal laws. 

It amazes me that Equifax chooses to keep brushing past federal and state laws in hopes that people like me are not smart enough to check our credit reports. I check my credit report every week now, and it seems like every other week Equifax negligently and willfully disobeys these state and federal laws because they feel as if the Fair Credit Reporting Act and other laws do not apply to them. They also remove information and put information back on without mentioning anything about it, which is also a violation and against federal and state laws. The Credit Reporting Agency, or Equifax, continues to violate my rights according to 15 USC 1681.

If this account is not removed my Equifax credit file and credit report, I will take Equifax to federal court over these continuous violations and your total disregard to follow the law and obey my privacy. My Information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person, which is another violation of other federal and state laws in addition to 15 USC 1681 and others. I have a list of violations that I am prepared to use in federal court. This unlawful credit reporting practices has also caused me extreme stress and credit denials.
Consumer complaint received 2023-04-12
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 want this late payment deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00} and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. Please update.
Consumer complaint received 2023-04-12
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I, XXXX XXXX, am a victim of identity theft. There are fraudulent accounts on my credit profile that need to be removed. 

Please see identity theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX bureaus. This is unlawful and illegal.
Consumer complaint received 2021-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MA)

I learned that I had a debt of XXXX dollars and XXXX cents. I'm not sure where this debt has come from. I've attempted to find out where exactly this debt comes from with no luck using XXXX XXXX. Additionally I was able to learn that the credit agency that holds this debt is from an agency called : EOS CCA located in XXXX Mass. I contacted the number but was unable to speak with anyone.
Consumer complaint received 2023-04-11
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)

XXXX XXXX XXXX  date assigned XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Account numbers TransunionXXXX XXXX XXXX XXXX XXXX XXXX assigned XX/XX/XXXX {$880.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX original balance {$660.00} current balance {$700.00} Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$8900.00} account no. XXXX XXXX XXXX {$1000.00} n accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

The account by XXXX XXXX XXXX in the amount of XXXX has been settled and paid in full. The amount of XXXX by XXXX has also been pain in full. I have requested several times for these items to be removed even while under investigation. Both creditors have stated that they have updated the collections on their end
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

My car was vandalized & my purse was stolen on XX/XX/XXXX, I immediately contacted XXXX XXXX ( Netspend  ) & informed them that my card had been used at XXXX while I was at the park walking my dogs. They canceled my card. 
I have been on the phone with them for a combined total of over 4 hours trying to get the stolen funds returned to no avail. 
these are the amounts : Debit : Overdraft Fee assessed due to {$210.00} transaction on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX - {$20.00} XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX {$4.00} XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXXXXXX - {$210.00} XX/XX/XXXX I believe it says the XXXX because those were the dates the charges posted not when the charges were made.