davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IN)

I Am reaching out to whom this may concern, I experienced fraudulent activities on my bank account my bank is chime ( chime.com ). On XX/XX/2020 I received several calls from a number I wasnt familiar with. After 2 missed calls I started receiving notifications from my chime app and email it told me I had fraudulent activities on my account, it tells me its from XXXX, Florida which I do not reside there ( Red flag ) for me. I then get another call and I answer I hear hello this is chime calling about your account I see you have 2 fraudulent transactions on your card ... I felt awkward about the call so I ask if I could speak with a supervisor and another person came on call so I assumed it was the supervisor and proceed to answer the notifications he sent to my phone I honestly thought it was chime because the person was modifying my phone everytime he changed information on my account during this time the 2 fraudulent transactions made he took out a savings of XXXX from my savings account. Once he paid for the 2 fraudulent transactions the call hung up, I immediately panicked and called the number back I get the chime automatic services which confused me I was so mad because I thought someone from chime one of the agents just scammed me so I was going off as well as writing support to relay a scam just happened in the mist of the resolving my account they are now telling me I made the transactions after I submitted every document and I have every evidence. I mean this process has been stressful Ive havent gotten much sleep knowing a thief can just call my phone and take from me during the holidays and chime seem to not be concerned with whats really going on so I am trying to go further with feeling safer as well as making sure this doesnt happen again
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

As A Federally Protected Consumer, I'm Exercising My Consumer Rights to have Resolved Inaccuracies and Unfair Activities in concern with my Credit Reports. I Am Requesting to OPT OUT of ANY and ALL authorizations I the Consumer may have given you written, non-written, verbal and non verbal per 15 USC 6802. I'm Rescinding that Authorization per 15 USC 6802. According to 12 CFR 1016.7, states that a consumer may Exercise the Right to OPT OUT at any time. According to the Fair Credit Reporting Act, 15 U.S. Code 1681- Congressional findings and the statement of purpose. Accuracy and Fairness of Credit Reporting the Congress makes the following findings : the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. This is effective immediately and indefinitely. I have attached to the report a copy and circled the Inaccurate Findings on My Credit Report with XXXX, EQUIFAX XXXX XXXX.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SIMM Associates, Inc. (NM)

On XX/XX/XXXX I received a collection letter for {XXXX} owed to XXXX XXXX  originating on XX/XX/XXXX. And discharged on XX/XX/XXXX. The letter claimed it was from a XXXX XXXX XXXX account. 
I did not have a XXXX  XXXX XXXX account, in fact I did not have a XXXX XXXX account at all. 
In XXXX, I opened a XXXX  XXXX XXXX account which has never has never been in arrears. 
Ive spoken with both XXXX  XXXX XXXX and they advised me to report it to all 3 credit agencies. SIMM Associates ( the debt collectors ) said they would open an in house investigation regarding letter and advised to file police report. I dont know what to do.
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (NC)

on XXXX XX/XX/2020 I filed a dispute with CitiBank concerning a double charge of {$590.00} The vendor which I was paid {$590.00} for a service verified they were only paid once, not twice. 
CitiBank informed me on XXXX XX/XX/2020 that my dispute was resolved and the wording in their letter was confusing, as they stated " We're pleased to let you know your dispute has been resolved '' Only in XXXX, did I realize my dispute was not resolved. 
I wrote a letter to CitiBank with my concerns. 
I contacted the vendor, re-confirmed they were only paid once and they stated they were NOT contacted by CitiBank. 
CitiBank stated that the charge was valid, which was not my dispute, but that I was double charged, what should have been a single {$590.00} charge was actually two {$590.00} charges. 
CitiBank has claimed I waited too long to respond, my delay was based on a misleading letter from CitiBank and waiting till I received the next statement after the correspondence from CitiBank. 
I believe CitiBank made an error in the double charge, they did not conduct a proper investigation of the my dispute and their communication has been unclear.
Consumer complaint received 2017-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (TX)

In the summer of 2012, two credit cards ( issued by XXXX XXXX  and Chase Bank ) were opened in my name without my authorization. Both cards were maxed out and eventually sent to collections. However, knowing that I had no credit cards and having minimal credit experience ( I was XXXX years old when both cards were opened ), I paid no real attention to my credit reports until years after the account had already been closed/charged off and I did n't truly comprehend that my identity had been stolen until this year and upon discovery, I 've done everything in my power to reverse/repair the damage caused by this event. 
Both initial and extended fraud alerts have been placed on my credit file, I have filed a report with the FTC, and I 've been actively working to get these accounts off of my credit report by contacting the CRAs and the creditors directly. XXXX XXXX confirmed that the account was opened without my authorization and immediately updated its information and notified the CRAs. This is when XXXX placed the extended alert due to true name theft/fraud on my account. Chase Bank (, on the other hand, is apparently above section 623, and treated my letter as an account inquiry rather than an alert/notice of identity theft. I 'm not sure how Chase was able to confirm that the information reported was correct after I report to them that the account was fraudulently opened.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2020-12-11
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. (NJ)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2017-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (GA)

This account was created fraudulently. I never opened this account. I even paid toward the account to get it off my credit file in 2012. They still refused to remove it. Customer service representative did n't care about me not creating this account. They still held me responsible for this account that I did not create.
Consumer complaint received 2017-11-04
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: ALLY FINANCIAL INC. (NC)

The company has multiple inquiries on my report with XXXX, and one inquiry on my reports with XXXX and XXXX XXXX. I have written to the company in the past regarding the inquiries, requesting documentation to support permissible purpose, but have not received anything other than an acknowledgment that they did access my credit files. Lacking any evidence supporting permissible purpose, specifically in writing, as is required by Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] a ( 2 ), I would ask that the company remove these inquiries from all three of my credit reports.
Consumer complaint received 2024-02-01
Product: Mortgage — USDA mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Alabama Housing Finance Authority (AR)

I called XXXX ( who is my mortgage company ) about a payment that was reported as late. I had made this payment on the XX/XX/year>. But the payment was reversed on XX/XX/year> ( XXXX  never notified me that the payment had been reversed but it I checked my account on the XXXX and it had shown the payment was not processed yet ) due to unauthorized transactions being made from my bank account. When I called the customer service representative took forever to find the payment dates and could not even tell me why the payment was reversed I eventually had to find out myself by going through my transactions and finding out that there were at least 10 unauthorized transactions from my bank account with XXXX XXXX XXXX. While on the phone with the XXXX representative I asked if it was possible to have this late payment reversed to which she told me that I would need a statement from my bank saying that the transaction was reversed in error I then asked her how I would go about it if I couldnt get the information from the bank and she simply stated that they couldnt do anything without that statement which is absolutely ridiculous. I called XXXX and started a dispute to which I still have not heard back from. The dispute number is XXXXXXXX XXXX does not offer any payments plans to help with struggling people and yet I have always found a way to make my payments before the 30 day mark, they reported the payment late and then sent me emails and gave me a pop up message that I would get when I logged into my account basically threatening me with debt collection. This mortgage company does not make any attempt to contact you or reach out to you if a payment doesnt post to your account or if it is reversed and they make A LOT of mistakes when it comes to credit reporting a quick XXXX XXXX and youll see the XXXX star rating and the many reviews of people that they have XXXX  over because of their incompetence. I want to have the late payment removed from my credit report because I attempted to pay the payment and I did my part in attempting to reach out to XXXX  and my bank to make everything right. I even told the representative on the phone that I couldve easily made this payment if I had even been aware of it that I had the excess funds to pay the payment twice that day.
Consumer complaint received 2021-04-27
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: LEXISNEXIS (UT)

XX/XX/2020 I tried to pay my mortgage late. It was denied and XXXX XXXX Loans put me in the COVID CARE ACT refusing to accept XXXX/XXXX payments, marked late on my credit reports, sold the loan to XXXX XXXX  as a refinance raising my monthly mortgage payments, sold to HUD with a Partial Deed of Trust. I have had my credit repair company work with me in sending XXXX XXXX XXXX monthly letters for six months with NO reply or repair on my credit reports. When my home went into contract to sell the property in XXXX the Partial Deed of Trust showed up on the title records to the property with payment to be made in full to the Deed Claim. The refused payments were made to XXXX XXXX in XX/XX/2020 along with the XXXX payment to bring the mortgage current. XXXX also made several attempts to understand the split of the loan and could not get communication from XXXX. I have mailed letters to the Secretary of State, XXXX XXXX XXXX, and CFPB by certified mail and am still waiting for a report on financial facts proving my statement as NOT owing the Partial Deed of Trust. I am nor was in Bankruptcy. I am nor was in Short Sale. I am nor was in Foreclosure. WHAT I AM is Homeless with cash to buy my next property and can not get a loan due to the false reporting of XXXX XXXX loans on my credit reports!
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. 
Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-02-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (KS)

I started receiving phone calls from Halsted Financial Service, which I had been ignoring since I assumed it was some spam call. After repeated calls from them, without leaving a message, I investigated and discovered they were a collection company. So, I sent them a letter in XXXX of XXXX  to prove whatever debt they were attempting to contact me about and to cease calling me. They continued to call even after I sent the letter, but they would not talk or sit there anytime I answered. I assume, due to what is included in my letter, they did this as an attempt to bypass the terms and conditions I included in my letter and have me call them back. They continue calling me from multiple numbers so I can not block them. Their actions are purposeful, abusive, and against the Consumer Financial Protection Bureau laws.
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. ()

I am writing to seek your assistance regarding a financial transaction that has remained unresolved for an extended period. This issue involves a transfer of funds between XXXX XXXX and Chase Bank, which has been pending since XX/XX/2023. 

Transaction Details : Sender 's Bank : XXXX XXXX XXXXXXXX XXXX XXXX  : Chase Bank XXXX : {$1000.00} USD Date of Transaction : XX/XX/2023 Confirmation Number : XXXX The transaction was initiated by my friend, who is a customer of XXXX XXXX, intending to transfer {$1000.00} to my account at Chase Bank. Despite the lapse of a considerable time since the initiation date, the status of this transaction remains 'pending. ' As a result, the funds have not been credited to my account.