davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Chime Financial Inc (PA)

On XX/XX/2021 we contacted Chime.com concerning an account which was fraudulently opened in our name. While we attempted to contact them via the phone number on the card received, there was no way to resolve the issue over the phone since their whole system is automated messages. Ultimately we had to send an email to chime.com about the identity theft. 

Upon contacting Chime via email and explaining that we did NOT apply for a card/account and that it was identity fraud, the Chime representative insisted that we email a copy of our state ID/license along with the last 4 number of our social security number. Now mind you, email is NOT secure and we already informed them that it was a fraudulent account. Asking us to send such documentation via insecure email is not only terrible customer service, but a very high-risk method to send sensitive data. Given the fact someone had already opened an unauthorized account, we refused to provide the data they requested since they don't provide any secure means to do so. 

After several emails back and forth they finally stated they locked the credit card so that it could not be used. However right after that statement they said " If you have any additional questions or would like to formally close the account please respond to this email so we can assist you further ''. 

It seems impossible to get this company to acknowledge that the account was opened fraudulently. Currently the account is still there, but they locked the card. This makes no sense and it should not be this hard for a consumer to protect their credit. Chime has made it practically impossible to report credit card fraud where other banking intuitions have secure methods and are very prompt to assist when it comes to fraud and identity theft.
Consumer complaint received 2021-07-13
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. (NC)

All of this information is listed on my credit file and is in error. Per the Credit Act of 2020 section 401, this should be removed as I don't have agreement or contracts authorization these inquiries. I've checked with the bureaus and they are unable to validate but refused to remove. 

XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX/XXXX  XXXX Bank - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX/XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government XXXX date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (VA)

The following company never proved their methods of verification through several stages of written credit disputes : XXXX XXXX XXXX The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 
Dispute letter XXXX OF DEBT TO ORIGINAL CREDITOR The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
Consumer complaint received 2021-08-18
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: WELLS FARGO & COMPANY (NY)

In XXXX, I was married my XXXX and I decided to buy a first time home. First I got ripped off with the home. Purchased in XXXX XXXX NY. Than in XXXX My husband put in Supreme Court Divorce Proceedings. which took place in XXXX. Wells Fargo Mortgage was the bank. I was awarded the home because i made a lot of money.at the time. After the Supreme Court XXXX in XXXX. My Bank account with XXXX  XXXX XXXX Got closed out, without my knowledge. XXXX Dollars in Certificates of Deposits. Plus another XXXX Dollars in another Certificate of Deposits. Money market accounts and Checking and Savings all closed the same Day.and monies Gone with no explanation.Wells Fargo sent me a foreclosure letter at the time of my lost of fund my credit cards and everything could not get paid. Wells Fargo called some Attorney to put me in court for 4 months of money that they claim I didnt pay them.I know this was a big lie because I ate and slept on my job to make ends meet for my home after the divorce. The Wells Fargo Attorneys told me to pay them and I paid them.only to find out that my money at the time i was told was going to a locked box. and they did not see it because no one was going to this locked box I kept asking for a Refinance to lower the XXXX XXXX payments. I was told By Wells Fargo that I can sell my home. this was the only explanation. I recieved from them. as of XXXX. I checked my credit to see what I could do and I had a credit score of XXXX. I asked Well Fargo why did they lie to me when I was looking for help. I did a refinance with XXXX XXXX  who assisted me with the new loan and a lower rate. Now I look on my Credit Score and it is in the XXXX this is shocking. I canot borrow money from any bank to repair my home. also Wells Fargo Morgage is still reporting inaccurate information on my Credit Reort and I am no longer with them They are Paid in Full.. These 3 Credit reorting Companies are doing illegal things to consumers like myself reports to make me look bad, I am very disappointed in the credit reporting business hurting consumers and getting away with it. .I am looking for a attorney to help me with my Credit going down 200 points. Wells Fargo is a Scam Business. Just like that XXXX  XXXX XXXX XXXX.
Consumer complaint received 2021-08-17
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: BARCLAYS BANK DELAWARE (PA)

After reviewing my consumer credit report, I noticed that credit inquires that I do not recognize, unauthorized and NOT mine. I must have been the victim in a cyber hack or identity theft. this non-account holding inquires with : Barclays Bank Delaware shown on my report as ( BRCLYSBANKDE ) and with the date of XXXX.Barclays Bank Delaware is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX consumer reports without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. I have not initiated any transaction with Further, and I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with none of them for review or collection. They are NOT mine, i do not recognize and did not authorized. these inquiries are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Consumer complaint received 2021-08-17
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 — Investigation took more than 30 days
Company: PNC Bank N.A. (AR)

My loan started with XXXX in XX/XX/XXXX as of XX/XX/XXXX they have 26 payments. I have been told I still am behind one payment I have sent my bank records and they say I have made the payments but the system says I am behind. I have incurred late fees over this. Have 4 over 30 day marks on my credit. My payments is due the 30 every month and I have done that. There are some payments that have not been fixed either. 
XX/XX/XXXX payment posted according to their records on XX/XX/XXXX. I sent a payment XXXX, XXXX, XXXX i asked the extra from the XXXX be added to the XXXX that has never been done. Furthermore the XXXX, and XXXX payments have never Bern combined either. My payments started XXXX XXXX to date I have made 26 payments. I am not missing a payment. I would ask for these things be corrected as I have asked for MONTHS FOR THE PAYMENTS BE CORRECTED. I have called since XX/XX/XXXX sent out emails to the proper department and not resolution at all.
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (FL)

I had a credit account with CareCredit of Synchrony Bank, account XXXX which I closed on XX/XX/2021. I had a XXXX  balance on the account. 

Synchrony Bnk XXXX XXXX XXXX XXXX, FL XXXX I have a credit freeze with all credit reporting agencies to preclude unsolicited credit accounts being created. 

On XX/XX/XXXX, over 60 days CareCredit sent me an unsolicited Master Card in account number XXXX. This despite the close account and credit freeze. 

I complained to the customer service number XXXX. The explanation is that they were already converting the account and I was free to accept it or not. They claim that it was not a new account though the account was closed.
Consumer complaint received 2023-04-27
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)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX DEPT OF EDUCATIONXXXX XXXX Balance : {$10000.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$9300.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$1100.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$3000.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Original creditor : XXXX XXXX  XXXX Balance : {$930.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

Fraudulent account reporting on credit report 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 an account without my written instructions.

Fair Credit Reporting Act Section 605B FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 alleged identity theft, not later than 4 business days
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (KY)

On Sunday XX/XX/2021 I noted a new account being opened connected to my US Bank while viewing accounts online. I immediately contacted US Bank fraud number and reported the event. My account was locked pending affidavit of fraud. On XX/XX/2021 I withdrew much of the money in checking and moved it to a different bank and have been changing auto draft instructions for bills paid with automatic withdrawal. 

The account was opened with my name minus the suffix " XXXX '' which is on the main account, plus home address and social security account. 

I was victim of identity theft on year ago when an emergency business loan for {$9800.00} was obtained from the SBA with information off a data breach. That crime is under investigation for the past nine months. 

My credit has been locked for the past 9 months.
Consumer complaint received 2021-08-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

Now in the XXXX ( a ) prohibits a company from furnishing inaccurate information to a CRA. XXXX XXXX is reporting inaccurate information on my credit report. Please see attached the information and proof of inaccurate reporting, Please DELETE this information on my credit report. 

1. They are currently reporting twice on my Equifax credit report which is a FCRA violation ( please see attached proof ), 2. the have reinserted this account back on my TransUnion credit report without written notice, which is a FCRA violation.

3. On my credit report, the account number changed from XXXX and XXXX, and XXXX now to account number XXXX ( Please see attached proof ) I didnt get a written notifications that this was changed or anything. 
4.They have also changed the portfolio status from one company, XXXX XXXX XXXX XXXX to now XXXX XXXX XXXX XXXX XXXX Also see highlighted that the address had changed. 

Please attach the proof of inaccuracy when it comes to this account on my credit report. The information that they are reporting to the credit bureau is not accurate and i have attache proof that they are violating the FCRA. A proper investigation is not being done to correct this reporting. The last date active is all different, the date opened is different, and on Equifax is showing its late 120 days with a balance in collection. Again, a collection is late and past due by default.The reporting again is inaccurate. XXXX  and XXXX  was unable to properly verify that the reporting information on this account is correct. I know all three major bureaus falls under the FCRA guidelines. Please tell me how Equifax is different?
Consumer complaint received 2021-11-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Bureaus, Inc. (IL)

I a natural person was issued a false debt in the amount of {$490.00} that is now reporting on my consumer reports. On XX/XX/XXXX I mailed a validation of debt letter demanding proof of claim. That this said alleged debt factually & legally belonged to me. I asked for a contractual agreement with my wet ink signature. They did not comply. But instead sent what appeared to be computer generated " bill statements '' from XXXX XXXX. The XXXX XXXX XXXXt back a large packet containing letters & symbols on the outside of the envelope, violation of 15 USC 1692 ( f ) ( 8 ). Which I have uploaded alongside this complaint. 

On XXXX XXXX, I mailed a certified letter to The Bureaus Inc demanding for them to validate the alleged debt that they claim I owed. Again they failed to comply & violated me in return. Sending another huge packet with symbols & letters on the outside and inside of the contents. 

On XXXX XXXX I mailed another certified letter putting The Bureaus Inc on notice of all ways they have violated me as a federally protected consumer. This company never validated this alleged debt they claimed I owe. However The Bureaus Inc continuously reported this alleged debt on my consumer reports damaging my reputation at the least.
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (CA)

I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.
Consumer complaint received 2024-11-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (CA)

I took a huge loan out on them in order to build relationship with them but the interest and everything is ridiclously too high now and i cant pay it. I am currently on a payment plan just to pay off the original amount in XXXX pay payment periods but its currently affecting my finances greatly due to financial hardship recently
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TN)

Hello, I have gotten two letters from a LVNV Fundling llc. which I XXXX  the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. I have never had an account with this company. I have never sign documents, a contract with this company ever. I was sent information about an account and calls were made. I insisted they have the wrong person. I asked them to cease and desist all communications unless in a valid mail process. I just recieve another form of a letter, stating this would go to collections. I am not a paying a debt that is not mine. Recently, I received communications again this time text about an account this not mine. LVNV Funding has no rights to collect any debt from any source in the state of TN. Their license was revoked in 2012 for BAD collections practices. I am going to make this very clear.
Consumer complaint received 2022-04-27
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: SYNCHRONY FINANCIAL (GA)

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 1861 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-04-27
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. (DE)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX [ XXXX ] and # 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 1581 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUSSRQ Holdings, LLC (CA)

I called Oliphant USA LLC on XX/XX/2023 to inform them that this debt had already been paid and gave them the information showing that it was paid, and they said that it does not reflect on their account and their system, so that I still owed the debt which has been paid in full and would not correct my credit report. I even called the law firm that I paid accounting for to and they also tried to call them and spoke with XXXX and they still have it on my credit report, This will be the third time Im disputing something that has already been paid, and they refuse to take it off my credit report as paid in full even though I have the documentation as well as the agent from the other company that will speak that is paid in full