davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AZ)

Chime is the ruining my life! My Chime bank account was hacked into on XX/XX/2022 at XXXX by an unknown device and location. My savings was then transferred to my checking account and then sent to unknown email addresses/people via the pay anyone feature. I've filed a police report with the XXXX PD and also will be filing a formal complaint with the CFPB and XXXX. Two transactions totaling {$4100.00} was stolen from me! I need my money ASAP this is my livelihood and mortgage payment. I have never used this pay anyone feature and these transactions are a clear attempt of fraud. If my money is not returned to me I will be forced to take legal action against Chime as this is a result of a your lack of consumer security measures.Chime Dispute # XXXX Transaction # XXXX - XX/XX/2022 XXXX Payment to XXXX - {$2100.00} Transaction # XXXX - XX/XX/2022 XXXX Payment to XXXX XXXX XXXX {$2000.00}
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Please reference previous complaint # XXXX After my last complaint about my Huntington Bank credit card was closed, I paid the balance in full -- {$1500.00} on XX/XX/XXXX. On XX/XX/XXXX, I was charged {$10.00} in interest on my XXXX-balance card. I called and spoke with " XXXX '', a supervisor who refused to provide her last name, who told me the interest was for cash advances from XX/XX/XXXX. I don't understand how I still accrued interest after the statement balance was paid.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. Inquires : 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 2022-08-03
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. (GA)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2020-01-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

The second mortgage with Bank of America was paid in full in XXXX of XXXX. B of A acknowledges it is paid off. I discovered in XXXX that B of A had never filed the reconveyance to release the lein. 
XX/XX/XXXX spoke with B of A and was told it would be 7-10 business days to fix and they gave me a lein release reference number of XXXX XX/XX/XXXX Spoke with B of A again and they said they had sent the release to the county for recording and it would be recorded by XX/XX/XXXX XX/XX/XXXX Called B of A for a third time after finding out from XXXX County that they had recieved nothing on this loan. B of A now says it will take up to another YEAR before they have it released as they dont have their correct paperwork
Consumer complaint received 2022-08-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (MO)

I originally asked Discover bank to open a checking account. They instead opened a online savings account for me. On XXXX XXXX deposited a {$15.00} check using there app. On XXXX XXXX received an email saying my check had been posted to my account. That's the last time I was on there app on my account. On Friday XX/XX/XXXX I received an email from discover bank saying my account was frozen. I called that afternoon and was told it was closed due to a business decision by discover bank. I asked for a reason and was told they didn't have to give me a reason. I then asked about my {$15.00} and was told it was sent back to XXXX XXXX. I asked how they could return {$15.00} to a bank after it was already posted to my account. Discover bank said that's what they did. We contacted XXXX XXXX  and was told they wouldn't return the {$15.00} because they couldn't be sure if the funds were mine. That's a lie because I've been receiving a check every month from that account because of a part time job. Also on XX/XX/XXXX I requested to speak to a supervisor. The lady put me on hold for XXXX minutes. She came back and said she could not find a supervisor but she would have one call me back in 24-48 hours. It is now Tuesday XX/XX/XXXX and still no call. I know that lady never tried to get a supervisor on the phone because before I hung up I told her to tell her supervisor I was filling a complaint with the Federal Reserve. She said I already did.
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (FL)

I entered into a contract with Home Depot for hurricane window installation on XXXX XX/XX/XXXX and made the required down payment of {$5600.00}. The installation was partially completed on XXXX XX/XX/XXXX. Due to quality control issues, there is a punch list of items that need to be remedied on the installation. Final payment totaling {$16000.00} for the installation is contingent on completion of the project including, most notably, the inspection. Despite having advised me only to speak with him as the company representative due to the complicated installation issues, the Home Depot installation manager stopped returning my calls and text messages on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, I was informed by Home Depot that they had sold the account to a collection agency and would have no further involvement with the contract. The installation manager appears to no longer be employed by the company. They refused my request to honor the service and warranty aspects of the contract and even to see if the installation would pass inspection. They are, in effect, requiring full payment for a job that is not complete and for which they state an intention not to honor the life time warranty. 

My request is for assistance with bringing Home Depot into compliance with the contract and to finish the project including inspection. Can you help to bring them back to the table? Otherwise, I am stuck fighting a collection agency for final payment on a project that I will have to pay another contractor additionally to complete the deficiencies so that the project will pass inspection, and despite making full payment, Home Depot would refuse to honor the life time warranty which is a major element of the contract.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX XXXX  and XXXX  of character along with 60 plus days of no response
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is a complaint against XXXX XXXX, XXXX, Experian and XXXX, I request this collection company to remove this account from my credit report, with XXXX, Experian and XXXX, since it has been opened under fraud, without my authorization or permission. This account is fraudulent, in this complaint I will give all the documents, such as Police Report, affidavit for identity theft, I consider that this information that I will provide is just enough to block this account that does not belong to me.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX Agent says account is closed and I owe {$1500.00} despite Chase offering Gap Insurance. The credit bureau shows an open account with a balance of {$4800.00}. Requested original lease agreement and documents supporting adjustments to closed account. Agent says I should receive within 7-10 business days. 

XX/XX/XXXX - Requested original lease agreement. Agent says this can not be released. 

XX/XX/XXXX Insurance rendered decision of total loss and was prepared to settle. Insurance needed copy of original lease agreement. 

XX/XX/XXXX Requested copies of origination documents. Agent says they are not available to send. Escalated to the presidents office. Agent took statement and provided no remedy.
Consumer complaint received 2022-08-18
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: EQUIFAX, INC. (GA)

In 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 Inquiry details XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX View your credit report
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I sent a dispute letter to the consumer reporting agency on XX/XX/2022. 
Regarding a few inaccurate marks on my report. They are reporting late payments and also a charge-off and according to Federal Law : 15 USC 1681 a ( i ) which states that consumer reports should NOT include transactions or experiences between the consumer and the person making the report I explained this in my dispute and the violation was not corrected. 

This account has also been charged off and according to IRS publication, 4681 charge-offs are considered income and income shouldn't be reported on your credit report. 

I would like for this account to be removed from my report immediately.
Consumer complaint received 2022-08-18
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: Credit Karma (MN)

I've filed this same complaint multiple times. It does belong to them. 


This company promised me that if I paid off a debt that my score would increase by at least XXXX points it did not when I paid off this debt a debt which was not mine a debt which no one could prove to me was mine legitimately no 1 could send me paperwork no 1 could do anything to prove that this was my get yet I paid it off because I was promised an increase in my score by at least XXXX points I watched a man get XXXX XXXX XXXX XXXX XXXX XXXX I'm trying to get out of this neighborhood I'm trying to buy a house that is why I paid off the debt so I could get the increase of the XXXX points They have not done what they said they were going to do I want them held accountable Only positive things have occurred on my credit report in the last 5 years and my score only goes down my Income to debt ratio is 7 % there are no collections there are no new hard inquiries almost everyone 's about to fall off my installment loan is up-to-date this is insane I am being targeted I want being targeted I want them to do what they said they were going to do. I You've talked to text so sorry you might need to decipher some of this because this is like the 5th year that I've been doing this with you guys so I'm tired of checking for typos for you
Consumer complaint received 2023-09-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (PA)

On XX/XX/2023 a transfer was done out of my hold account and money was put in the daily checking.I did not do this transaction and the bank never gave me a fraud call. Some pretending to be me called PNC accomplished the transfer. I noticed my account was XXXX and something and the local branch office in XXXX XXXX told me several times that this money was flagged and got transferred right back to my hold account. 
I knew there was an error because of the negative balance.I brought this to the attention of the XXXX XXXX XXXX XXXX XXXXk. I was called by. XXXX and he confit that the money went right out of my account. It never returned. I made a police report to XXXX XXXX XXXX in Washington PA where I believe the theft or fraud occurred. I was telephoned by XXXX again and told her that they needed evidence to convict. She told me to request that the XXXX do a PNC bank supeona so that he can add evidence to his report. She gave me the following address to send it : XXXX XXXX XXXX XXXX. 
Important Next line- XXXX, XXXX, OH XXXX XXXX I reached out to the XXXX via telephone was yesterday, XXXX XXXX, XXXX. His name is XXXX XXXX XXXX XXXX @ XXXX. The report was taken approximately a month ago. Report no. XXXX. XXXX. I did not get a response. I will follow up with XXXX email asking to XXXX PNC, per XXXX. 
So I know the person that did this and I want either the bank to fix this for lying to me, or/and have the woman federal charged.
Consumer complaint received 2022-08-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (OH)

We were told to summit documents in, XXXX XXXX, XXXX and we did each time were told it's alright the documents, but then told there wrong, blank or have no graduation date which they did have! Asked Sallie Mae if my granddaughter needed to take summer classes if payments would start if she didn't they said she did not and the payments would start if not in school in XXXX we were charged in a month after being told we were miss informed by Sallie Mae ! Over {$900.00} owed and this is incorrect!
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX Transunion, XXXX, XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I  recently conducted a review of my credit report, and I noticed that your agency showed several credit inquiries that I find to be problematic. 

These inquiries are curious because every since I learned that my Identity was compromised in XXXX, I gave up on applying for any form of credit. I have no recollection of doing any business with the below companies.. 

I contacted each company, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this get the right, and fair, attention. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter, XXXX XXXX The List of Hard INquiries reported on my credit reports : XXXX - XX/XX/XXXX XXXX   XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX and XX/XX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2022-10-19
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX 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
Consumer complaint received 2022-08-22
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. (NY)

I had a lease with XXXX from XXXX XXXX XX/XX/2021 and completed paid the lease in full. They even sent me a paid in full email and disabled my autopay and ability to make payments in XX/XX/2021 as I was completed with the car lease. After the paid in full status, XXXX reported a repossession then changed it to a charge off/collection for {$190.00} which is inaccurate. I have disputed this for over a year with no results. I have no signed contract with XXXX to continue making payments to them past my original lease agreement.