davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (FL)

Chime has a policy that states you can send money to anyone even if they do not have a chime account. 
They are engaging in predatory behavior by not reversing money they sent erranousely due to poor record keeping on their behalf. 

I sent {$100.00} to a friend on XX/XX/XXXX. This friend does not have chime so I option to send money by using their phone number. Before sending the money, I checked XXXX to be sure the number was correct. I went so far to ask him verbally before sending the funds. 

After I hit send I checked with my friend to be sure they received a text, they did not. 

I logged back in and saw it went to a person with a chime account that I do not know, I called chime immediately ( less than XXXX mins ) and they said they couldnt reverse it since it was no longer processing. During this conversation they removed the phone number from the chime account belonging to the other person. ( I tried to send the person a request to return the funds but since they removed the number from their account the request to return the money I sent went to my friend. ) They made me file a dispute claim that was supposed to take XXXX days they made a decision within a day I submitted screen shots that show my friends number has been the same since XX/XX/XXXX. After their denial on my dispute I sent a request for the documents used and they responded - the phone number was correct and they would not be reversing the charge. They used no documents to support their decision. And fails to recognize the issue is not the number rather the issue is that they sent it to a person who no longer has that number. 

Chime is negligent by not maintaining contact information for their users. And if they are unable to do so, should reverse their policy so that you cant send money to any person if they arent account holders and transfers should be limited to chime to chime account holders
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-27
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. (NC)

This is 5th time disputing the same acct XXXX XXXX XXXX XXXX Acct ending in XXXX with equifax i told equifax this acct is closed, but equifax says they show this acct as " open '' stating that the acct is open and they have verfied as accurate. I have also filed 2 complaints with C.F.P.B ( XXXX ), for this same acct and Equifax keeps telling me that they investigated and found that the reporting of the acct as being open is accurate.I find this somewhat strange considering i have called the reporting creditor myself " XXXX XXXX XXXX XXXX '' and i was told they are reporting the acct as closed to all 3 credit bureau 's, which i do believe since XXXX  reports it as closed and XXXX  report it as closed as well.So i suspect Equifax has been doings sham investigations, since that could only be the reason because i have disputed this acct 5 times and they come back everytime saying they verified the information as correct, which is impossible!
Consumer complaint received 2022-06-28
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. (TX)

I have identified information on my report that re a result of identity theft these items are not related to any transactions completed by me. XXXX XXXX XXXXXXXX XXXX XXXX, Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXXXXXX XXXX these are the companies that are listed that are not associated with me. There are also addresses that do not belong to me- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I'm attaching ID doc, because Equifax has been known to stall stating they cant Identify you, yet they can add incorrect harmful information on your credit file. 

By law, they have XXXX days to correct this, not XXXX. 
15 USC 1681 ( C ) 2, related to blocking of information regarding identity theft. Fraud and related 18USC 1028, Consent to release 5USC 552 ( A ) ( B ).
Consumer complaint received 2021-08-27
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: Experian Information Solutions Inc. (CA)

Inquiries on my report Im not familiar with I contacted the creditors & bureaus I have not heard anything after like 43 days man I dont know whats going on. I need these inquires looked at and removed ASAP.
Consumer complaint received 2022-06-28
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. (PA)

TO WHOM IT MAY CONCERN : Hello my name is XXXX XXXX and iI 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 and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MD)

I applied for American Express XXXX credit card in XX/XX/2019, The offer was Earn XXXX Bonus XXXX XXXX Points after you use your new Card to make {$3000.00} in purchases within the first 3 months. 
I got this card and spend over {$3000.00} in purchases within the first 3 months but American Express denied me XXXX Bonus XXXX XXXX Points. 
After multiple calls to Customer service and management I received written response stating that under Terms and Conditions " American Express reserved the right to modify or revoke this offer at any time for any reason. .. '' Very convenient Terms and Conditions! 
At any time for any reason!
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (WI)

How come in the XXXX century when I pay {$9000.00} on my credit it takes days for it show up with reduced ballance this nonsense it should be immediately. It comes out of my account immensely but does not show up in ballance. Also why in XXXX name arent these interest charges capped I cant get nothing in the bank on interest on my money but credit cards can charge in 20 % range its a joke even XXXX XXXX XXXX had usery laws to keep money changers from charging whatever they wanted. Theres no competition between credit card companies if there or value as a customer
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I have been in a loan modification program for 4 1/2 years with Nationstar / Mr. Cooper. Prior servicer was XXXX, who attempted foreclosure after offering a modification, and me complying and following procedure. I head to hire an attorney to make the new servicer honor XXXX promise. Actually paid one attorney XXXX $ who is now in jail, and then the current one who worked the plan out. I have made all payments on time for 4 1/2 years, even after force placed homeowners insurance that I had no say so in. A couple of years ago while checking my credit, which had remained low, despite no late payments, I realized that XXXX XXXX wasnt reporting anything to the credit agencies, however they do report every month that I had 13 missed payments from over 5 yrs ago. Now, as we approach the end of the mod program, and were expecting a loan forgiveness of all of the past dues from XXXX that carried over, mr cooper transfers my loan to XXXX, although they neglected to inform me of the change. In the process, they erased my current account info so i cant make XXXX payment, and also they split XXXX payment into a suspense account on the principal and interest, but dont show any accounting on the escrow payment, which clearly came out of our account and was paid to them. Meanwhile, I had to hire the same attorney again to demand info on my account, which has apparently not been handled yet. This is the identical behavior of XXXX from 5 years ago. From my perspective they are setting me up for foreclosure. The stress and trauma this has caused me and my family is indescribable. Its scary stuff. Apparently the new servicer isnt recognizing the remainder of the loan mod and have all of our loan info incorrect. We need help. My attorney recommended filing a complaint with the CFPB. Our program is the standard HAMP mod program.
Consumer complaint received 2019-10-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WINN LAW GROUP, APC (CA)

Winn Law Group is very unprofessional, rude and illegal! Attempting to collect on a very old debt from XXXX ... .this account was an identity theft in first place and XXXX received dispute complaint back in 2015 and I NEVER received any collection notices from them and all of a sudden now collectors from WINN LAw group are threatening to arrest me if I didn't pay the full balance owed immediately? .... I'm on XXXX which is my only income and they are threatening to levy my accounts and garnish my XXXX pay .... Isn't this illegal to do? ... please help WINN Law Groups claims to be collecting for XXXX, who stated they do NOT have any past due balances on this account or in my name .... 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX
Consumer complaint received 2022-05-30
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: Nelnet, Inc. (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under ah + open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I added a new account link with Capital One last Friday, XX/XX/XXXX. I was instructed to wait for two small deposits to the new linked account to verify and validate the account. I did that after receiving the two deposits early on Tuesday morning, XX/XX/XXXX. I received confirmation that the account was linked. I then initiated a transfer, and received confirmation XXXX XXXX, XX/XX/XXXX. Soon after there was a message on all my accounts saying that Your funds are currently not available for withdrawal. Please call us at XXXX. I called immediately answered questions and was placed on hold for 34 minutes without anyone checking back with me. Then whomever answered asked me what she could help me with! Then another 36 minutes passed and I told that XXXX XXXX was blocking the transfer. I disagreed and said that was impossible and that no transfer that I have made previously with Capital One was ever completed within minutes. They have always taken days. I still validated with XXXX XXXX and they did not receive any funds transfer and they confirmed that they would never decline one. I set up the XXXX account on Friday, XX/XX/XXXX, and it took until Tuesday, XX/XX/XXXX for the funds to be received at XXXX, so what they are telling me on the phone feels very inaccurate. I was told I was talking to a supervisor, and she said they needed to confirm and validate my account with XXXX. I said ok and requested that she get back to me asap ( they also had asked for my phone number in case we were disconnected ). No one called me back and my accounts are still being blocked for my access. I reached out again yesterday, XX/XX/XXXX. No response. I am now receiving an email that they are stopping my scheduled payments that are do with my providers. I reached out again, and now to you also. I need help! They are impacting my livelihood and my personal credit. If my scheduled payments ( which Capital One provided confirmation that they would be made ) are not paid there are all kinds of repercussions. These are my funds and they have no right to keep me from them. Their non responses and failure to follow through with what they communicate is troublesome to say the least. I don't know what else to do. Please help.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (WY)

I received a vanilla gift card for {$200.00} it never left the package when I opened it and tried to use it there was no more money. I found someone immediately used it online at XXXX 's XXXX for two charges. I contacted the company they told me to file a dispute which I did now they are ignoring me. I also found out this is a big issue with this company where the money is disappearing. It is if their system is the cause. I think this company needs to be thoroughly investigated.
Consumer complaint received 2022-04-06
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. (NC)

I contacted Transunion via usps and phone about my XXXX XXXX XXXX account. I have asked them to verify this account and the notify me that it has been verified. There is no way this is my account. Just because some has similar information does not make this my dept.
Consumer complaint received 2021-05-16
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. (IL)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Consumer complaint received 2022-10-08
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: Experian Information Solutions Inc. (SC)

C.F.P.B please check compliant XXXX. I file a compliant about a inquiry from a company that is on my Experian credit report. The companies name is listed as XXXX XXXX XXXX XXXX. I have not requested credit from this company. I AM REQUESTING EXPERIAN TO PROVIDE DOCUMENTATION OF A REQUEST FOR CREDIT WITH THE COMPANY XXXX XXXX XXXX XXXX XXXX 

I contacted this company by the number listed on my credit report. The company said they do not have any information about me requesting credit from them. SCREENSHOOTS ATTACHED. 

In accordance with Federal Law of the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information. I would like a copy of the document with my signature which give my PERMISSION for XXXX XXXX XXXX XXXX XXXX to pull my credit. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
Consumer complaint received 2022-08-01
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. (TX)

On XX/XX/2022 I wrote Equifax to investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  due to errors on my credit report. Equifax sent me a letter back that the accounts where verified. According to the law they did not do a proper investigation which means the accounts have to deleted and at this point can't be modified. Violations include 15 USC 1681 section 602 A. State I have a right to privacy. 15 USC 1681 section 604 A section ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. I have additional information or supporting documents that reveal how a proper investigation was supposed to be done by law.