davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (MD)

I have disputed unauthorized transaction on my chime account with chime on two occasions and both times the results of the dispute came back denied. They refuse to investigate properly to help me get my money back. They also informed me via email that they would send documentation used to investigate this matter within 10 days but they never did. Money was stolen from my card. 

The first occasion was on Tuesday, XX/XX/XXXX in the amounts of XXXX. XXXX XXXX XXXX {$140.00} XXXX. XXXX XXXX XXXX {$200.00} XXXX. XXXX XXXX XXXX {$140.00} XXXX. XXXX XXXX XXXX XXXX {$75.00} The second occasion was Tuesday XX/XX/XXXX XXXX. XXXX XXXX XXXX for {$100.00} XXXX. XXXX XXXX XXXX for {$200.00} XXXX. XXXX XXXX XXXX for {$100.00} XXXX. XXXX XXXX XXXX for {$150.00} The first occasion email they sent on XX/XX/XXXX said " Hi XXXX, We would be happy to send you the documents used in our investigation that helped us determine the outcome of your claim. This will include information that we had available to us at the time as well as additional information/evidence that the merchant provided to us, if any. Please know that we will send the requested documents as quickly as possible but it may take up to 10 business days. Thank you for your patience in this matter. 

Thanks, XXXX | The Disputes XXXX XXXX refuse provide to credit my funds back after I informed them that my card was stolen.
Consumer complaint received 2021-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (DE)

Wells Frago has already discharged this debt 3 years ago. My attorney disputed this with wells Frago an attachment is attached to this email. I located this dispute deleted information from XXXX. 

This is Extremely unfair and disturbing that I could dispute a debt and it continues to cause damaging to my credit report for years after many years Ive disputed. Wells Fargo again has no right to assign so many accounts that a customer can not even determine monies that she or heTrusted in a bank with financial importances. Again please have Wells Fargo to review the deleted information and investigation and to remove this debt off on my credit report that is extremely damaging.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (NJ)

Letters sent in regards to inaccurate information with XXXX, XXXX, XXXX. Letter sent XX/XX/XXXX & XX/XX/XXXX. 

Also updated address and ONLY address is : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NJ XXXX
Consumer complaint received 2021-01-22
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 noticed that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from XXXX XXXX. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duvera Billing Services, LLC (GA)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-04-06
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. (MI)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX 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 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I have 2 credit cards with Santander bank which were under forbearance due to a reduced income due to Covid. The cards were under forbearance for 6 months after which time I requested an account review because I was no longer to afford the payments due to a continued reduced income. I was told the accounts had to go 45 past due before I would be helped. After this time, I called and spoke to a Representative with whom I gave all my monthly expenses ( and who also told me I did not have to wait 45 days to go past due ). After this calculation, I had about $ 600 month left to pay these 2 cards. However the Representative told me her system was showing that I did not have enough money to pay them every month ( which is true at a 20 % interest rate which was why I was trying to get the interest rate reduced- all of my other creditors have reduced the rate to 0 % and/or reduced the amount owed ). If they had used a lower interest rate I would be able to pay them which was the goal of my call for the workout plan to begin with. She told me I could continue paying but that there was nothing they could do to help me reduce the payments/rate and that the 2 accounts would Charge Off after 180 days. I was shocked that the bank was taking this position, so I contacted an Attorney to try and reason and negotiate a lower payment but they still declined any offer to help, despite our Good Faith attempts. We were told the bank would rather take the Charge Off than lower the interest rate.
Consumer complaint received 2024-10-22
Product: Credit reporting 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)

I received a credit monitoring alert today, Tuesday XX/XX/year> that I have a credit inquiry from : XXXX. 

I did not apply for nor authorized this company to pull and access my credit report.
Consumer complaint received 2022-04-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

On the date of XX/XX/XXXX I received a Required Information Notice from SPS : Pension Income- Primary Customers documents received is missing the pay/benefit amount. As can be seen on my XXXX XXXX XXXX Funds, .I NEVER had a Pension and the balance as of XX/XX/XXXX is {$0.00}. Clearly outlined on the entire statement emailed to SPS on XX/XX/XXXX. On the date of XX/XX/XXXX I received a Required Information notice from SPS. Action Required : For Primary Customer which is XXXX XXXX Bank Statements received are NOT CONSECUTIVE. Notice my bank statements Numbers 1 and 2. The Statement Period for number 1 - XX/XX/XXXX - XXXX XXXX. The Statement Period for number 2 is XX/XX/XXXX - XX/XX/XXXX, XXXX.As can be seen is not only are the bank statements in CONSECUTIVE ORDER, These bank statements were emailed to SPS on XXXX date of XX/XX/XXXX. SPS is also stating that on My grandsons bank accounts which was emailed to SPS on XX/XX/XXXX that XXXX deposit of his Social Security XXXX is not included - another lie. The statements for statement period XX/XX/XXXX - XX/XX/XXXX and statement period XXXX XXXX - XX/XX/XXXX clearly has documented deposits of XXXX Social Security Deposits on XX/XX/XXXX - and XX/XX/XXXX. This company lies, deceives and uses manipulation against consumers. In a attempt to make it seem as if documents were not received, I ensured my documents were dated and copied due to the lies SPS continues to make it seem as if I have missing documents when in fact ALL my documentation has been emailed. This company is refusing to grant my modification due to not wanting to lower my interest rate and hoping I just give up. As you can see CFPB this is this companys continuing practice and not going by the Federal Government specifications. Notice the pattern of Missing Documents Already Sent.
Consumer complaint received 2022-07-22
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. (IL)

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 XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-11-18
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I ended up having to change my number. Portfolio Recovery Services would call up to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX One guy called me a XXXX XXXX XXXX XXXX XXXX '' for owing money that I don't even owe. I have no idea where these people came from or why they are ruining my credit. I do not owe the money that they claim I owe.
Consumer complaint received 2024-09-15
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I was a Victim of identity theft, someone using my name and social security number. 
Please review and sign your identity theft report. 
This is your official statement about what happened to you. 

Federal Trade Commission : IdentityTheft.gov FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Phone : XXXX Email : XXXX Personal Statement I lost my wallet about 5 years ago in XXXX, ever since then I been a victim of identity theft. please call me at XXXX Accounts Affected by the Crime Credit Card Opened by the Thief Company or Organization : CAPITAL ONE Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$580.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXXXXXX  Total fraudulent amount : {$0.00} Credit Card Opened by the Thief Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$500.00} Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Personal Information Names : XXXX XXXX, XXXX XXXX XXXX Addresses : XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, CLEAR Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/XXXXXXXX  Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft 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
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NJ)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMEX XXXX
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

on XXXX XXXX, 2022 i received a copy of My experian credit file and noticed Experian has added an address, social security number and an account to my credit file that does not belong to me. i contacted Experian the same day and was told to send a copy of my id and social security number and they will investigate and remove the social and accounts. today is XX/XX/2022 and the social security number and account is still being reported in my credit profile, today i tried to dispute it again online and got an error not allowing me to dispute although its not my social security number or accounts.
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/year>, I submitted a dispute to Capital One and XXXX XXXX XXXX XXXX XXXX  ) regarding two accounts : Capital One secured account ending in XXXX Capital One unverified account ending in XXXX For the Capital One secured account ( ending in XXXX ), I provided a {$1000.00} security deposit when I opened the account. This deposit should have been applied to the account balance or refunded upon closure. However, Capital One failed to apply the deposit or refund it to me when the account was closed. XXXX XXXX XXXX ( XXXX ) then purchased this account, but neither company has addressed the missing security deposit. 

For the Capital One account ( ending in XXXX ), I do not recall opening this account, and I requested validation of the debt. Despite this, XXXX has only provided statements, which do not meet the legal requirements for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I have not received original contracts or any proper documentation verifying this account. 

XXXX XXXX XXXX continues to report inaccurate information to the credit bureaus despite my multiple disputes, and they have not properly verified the debts. Their failure to provide adequate validation has caused harm to my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I disputed these accounts with Capital One and XXXX XXXX XXXX, asking for proper validation of the debts and the application or refund of the {$1000.00} security deposit for account XXXX. 
On XX/XX/year>, I followed up on my dispute as the accounts were still inaccurately reported on my credit profile. 
Amounts in Question : Capital One account XXXX : {$720.00} balance and a {$1000.00} security deposit that was not applied or refunded. 
Capital One account XXXX XXXX XXXX XXXX. 
Despite my multiple requests, these accounts remain unverified and inaccurately reported, and I am requesting immediate deletion of the accounts from all credit bureaus and resolution of the security deposit issue.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (DE)

On XX/XX/XXXX I sent a letter to Equifax asking them to update my address and deleted address listed on my credit report that where either not mine or have not relation to me for 5 years or more. Equifax updated my address and deleted all my credit history. I never contested the accounts on my credit report. All my credit history of more than 20 years was completely deleted, montage, loans, car loans, credit cards. The only thing being report now is 2 new accounts opened after they deleted all my credit history. I call Equifax and they asked me to send a letter requesting that my credit history was put back on my credit report. I sent the letter at the begging of XX/XX/XXXX. I called In XX/XX/XXXX to follow up on the status of my request. The representative told me they where working on reporting the deleted accounts back but it would take 30-60 days to do.
Consumer complaint received 2022-09-21
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. (NV)

I'm 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 are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX XXXX Balance : {$680.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (VA)

My XXXX score dropped by XXXX points due to two late payments on my personal line of credit from XXXX XXXX XXXX XXXX. After paying off the balance in XXXX of XXXX there was a residual balance of {$0.00}. I tried to pay the residual balance online but for some reason the app did not allow me to do so. So unfortunately I ignored the discrepancy. In XXXX and again in XXXX I was charged late fees of {$25.00} and late payment notifications were sent to all three credit bureaus due to a {$0.00} balance. My FICO scores them dropped by XXXX points from XXXX to XXXX with Experian. I filed a dispute with Experian which resulted in no change in XX/XX/XXXX. I then contacted my credit union. They apologized for the discrepancy, refunded the penalty charges, and submitted revocations of the late payments to the credit bureaus on XX/XX/XXXX. 

I have attempted to refile a dispute with Experian but was not permitted to do so because of the previous dispute. So far Experian as not acknowledged XXXX revocation report and I do not know how to get their attention to restore my FICO score. They are impossible to deal with. All they do the s try to upswell customers with useless financial products and make it exceedingly difficult to get any useful support. 

Why should a late payment on an account with a balance of XXXX cents cause a FICO score to drop XXXX points? There is no qualitative assessment done when calculating these scores. Further the FICO score algorithm used to calculate the score is completely unknown to the consumer. As such the consumer is unable to reproduce or calculate their own scores to validate the credit bureaus results. This is wrong. After they destroy your credit they then begin up selling their financial services which is completely outrageous.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XXXX last year, XXXX XXXX transferred our Loan Servicing to XXXX XXXX XXXX XXXX and we were on a 1 year deferrement which did not require payments and should not have been reported as late on our credit report. 

We have since then successfully completed our loan modification trial payments and the account should have been restated as a new loan with the old account information deleted or bought current based on the newly approved loan modification. We completed our trial payments in XX/XX/XXXX and all 3 of our Credit Reports needs to be updated as current. 

Our loan is not being reported correctly as stated in the letter issued by XXXX XXXX on XX/XX/XXXX, after I reached out to them to raise our concerns via faxed letter to their Customer Service Department in XXXX.