davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Set up a new Chase account so I could have direct deposit for my first job. 
Opened the account without issues, submitted the direct deposit forms thru my job and received the first deposit for a XX/XX/XXXX pay date in the amount of {$340.00}. Which hit my account as expect, automatic rules moved {$100.00} to my linked Chase savings account leaving {$240.00} in my checking, then transferred {$20.00} to another linked Chase checking account, leaving me with {$220.00} that I left for later use. On XX/XX/XXXX there was another direct deposit for {$280.00} that hit my account but I could not verify the funds as my Chase online app was not working. I visited my local Chase branch and they stated that the checking account was being closed for the reason " We chose to end out relationship '' and a letter as well as the funds in the Checking account were being mailed to my address. The savings account was still open, at which time I withdrew the {$100.00} and closed my savings account. I then watched my mail over the next 3 weeks, now putting us into XXXX. Still noting in the mail. I contacted the XXXX number on the back of the debit card and was told that the checks are in the mail and to wait until the week of XX/XX/XXXX and if I still have not received the check to call back for them to be reissued. On XX/XX/XXXX I contacted Chase via XXXX number and was transferred several times before I reached their 'back-office ' department at which time they told me that the funds from both the XX/XX/XXXX ( {$340.00} ) and the XX/XX/XXXX ( {$280.00} ) direct deposits " could not be verified '' so there are NO funds owed on this account. I stated that this doesn't make sense as I had funds and actually withdrew funds from the Savings account. The representative stated again that those funds could not be verified and nothing is owed to me. 

Next I contacted my employers payroll department " XXXX '' who verified that the XX/XX/XXXX paycheck was indeed direct deposited and not returned but the XX/XX/XXXX paycheck was submitted to Chase for direct deposit and returned. ( This makes sense as the Chase checking account was closed on XX/XX/XXXX ) At this point I'm at a loss on where to go and who to talk to as Chase owes me {$220.00} balance from checking and {$280.00} direct deposit from XX/XX/XXXX paycheck. I feel that I have contacted Chase and dealt with several departments and two visits to a bank branch with no luck. {$500.00} to a teenager is a great deal of money. 

Additionally I have had several poor customer service interactions with Chase and will never deal with them again for the rest of my life. Very poor people skills and lack of urgency when it comes to my money. Blind transfers every time and the statement " funds count not be verified '' and " there are no funds owed '' is very surprising.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ALLY FINANCIAL INC. (VA)

I applied for an Ally XXXX XXXX XXXX credit card on XX/XX/2022 through my XXXX account, and I earned approval for a {$3000.00} credit line the next day. The confirmation email sent on XX/XX/XXXX said that it'd take 7-10 business days for my card to arrive in the mail, but that they were " experiencing delays '' but I'd receive notification if and when my card ships. It is now late at night on XX/XX/XXXX - ten full business days later - and I have received no shipping confirmation for my card. 

Ally has no way for me to email them, and thus I am not able to establish a paper trail. They are the only credit card I have seen so far that has no way for customers facing difficulty to email all of my other cards allow for that. I hope this gets fixed for the sake of their costumers. 

That being said, I called to ask when my card would get shipped on XX/XX/XXXX, and I was told that my card is in the process of getting made and received an apology for a delay due to " a third party vendor '' making a mistake. When I asked for an estimation of when my card would arrive, the customer service representative at Ally could not offer that to me. I understand delays, but a lack of timeline was alarming. In short, I was approved for a line of credit, and it appears that I will not be able to access this credit line indefinitely due to Ally 's inability to manage the vendor that manufactures their cards. 

It is unhelpful to anyone trying to financially plan to not know indefinitely when they can access a line of credit that they applied for. I feel deceived if I had known the length of time it would take to receive my card so I could use it, I would not have applied for this particular financial product and sought out an alternative.
Consumer complaint received 2023-01-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : CXXXX 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 2023-01-18
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. (FL)

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MI)

Chime aka XXXX told me when I had disputed a transaction for {$120.00}. That if a resolution had not been reached by XXXX that they would issue a credit for the full amount. 

They have yet to finish their investigation and flat refuse to issue the credit they've promised me. I have contacted them a dozen times asking to speak to a supervisor, flat out begging them to honor their word. And nothing. I had budgeted my bills on their word now I have to go without food just to keep the electric on. Nothing I say has helped. They always just say they're sorry and they understand my frustration. 

Please help me... I'm hungry and really need this money I didn't authorize its removal from my account. 

Thank you.
Consumer complaint received 2023-01-18
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. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Consumer complaint received 2023-01-19
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. (CA)

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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX Balance Owed : {$610.00}
Consumer complaint received 2017-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CO XXXX  XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX andXX/XX/XXXX XXXX/XXXXXX/XX/XXXXXXXX sent disputes to credit Bureus. These companies are all frauds, they tempt you saying low credit approved but decline after pulling hard inquiry.
i even called them and there is no proper person to speak with and i end up getting ignored and agitated.
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (GA)

In spring of XXXX, we refinanced using XXXX  and our loan become serviced by The Money Source ( TMS ). No issues at the start. Fast forward to the fall of XXXX when we received our tax bills. We uploaded them into their system as requested. 

Despite us paying into an escrow account as originated in the loan, TMS failed to pay our taxes due on XX/XX/XXXX and XX/XX/XXXX. We noticed the money had not come out of the escrow account in XXXX and call TMS to inquire as to why it had not been paid. 

XX/XX/XXXX : Contacted TMS. Was told by their customer service team that when they set us up in the system, they incorrectly set up the account as a non-escrow account. This was an error on their end that they needed to correct in their system to process the payments. We were told they would call us back within 24 hours. 

XX/XX/XXXX : We did not receive a call back as promised. Called the customer service line again. This time, we were told the exact same thing and also told that no ticket was made to resolve the original setup issue. I ticket was put in at this time and we were told we would receive a call back within 2 days. No call was every received. 

XXXX, XXXX : My husband called back again. He was told that the setup issue was resolved and that if he uploaded our tax documents again, they would be paid immediately. 

XXXX : We received a notification from the county that the taxes has NOT been paid and they were going to place a lien on my house if they were not promptly paid. In addition, they're charging a 5 % late fee. We called TMS again. We were told that the system error has NOT been resolved and that needed to happen before taxes would be paid. We explained the situation at length. Spoke with both customer service ( twice ) and the tax department. Not only could the not resolve the issue, they didn't have anyone to escalate it. Once again, I was told they would call us back the next day. I told them that at this time, that was not an acceptable answer ... this needed to be resolved TODAY. This was an issue/error on their part and we, as the consumer, should not be responsible for their inability to do their job as our loan servicer. Despite this, I was left on hold by the tax department for 30 minutes when I was eventually hung up on. 

XX/XX/XXXX : At this point, we have exhausted all avenues of support available to us via TMS and their support line. We are not sure as to resolve this issue. The money is available in the account and payment needs to be issues immediately. We will be looking into legal action against this company.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

XX/XX/2020 : Made many unsuccessful attempts to get my credit report on line from Equifax, both at XXXX and at XXXX. I could not obtain my report, and received messages " Try again later '' or this error : XXXX XXXX XXXX XXXX XXXX I also made many calls to their phone number for help, and their customer service representatives insisted they were not having any trouble. 

All total, I probably spent two hours in unsuccessful attempts to get my report. 

Curiously, however, I was directed to another area of their website which would enable me to get a free credit report ONLY if I agreed to be marketed, and to allow them to pass on my personal contact information for that purpose!
Consumer complaint received 2023-01-19
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. (AR)

This is XXXX XXXX XXXX submitting you this CFPB Complaint today to request to once more to remove the fraudulent accounts and information being reported on my Credit File. I greatly appreciated your time and effort to remove a portion of the fraudulent accounts and information off of my Credit File, however, I still see that a lot of the fraudulent items are still being reported on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. As I have complained before, I was a victim of identity theft and I never authorized anyone to use my personal information to open and use any of these accounts. Under the Fair Credit Reporting Act section 605b, I am requesting you to remove the following items off of my Credit File : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$2100.00} XXXX - XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXXXXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. Also, you have failed to send me copies of proof of verification or any documents for you to continue reporting the disputed items. If you believe that the disputed items belong under my name, I request of you to please send me any documents supporting your claims. In the absence of such documents, immediate deletion of the disputed items will be greatly appreciated.
Consumer complaint received 2024-02-15
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: TD BANK US HOLDING COMPANY (MO)

on XX/XX/XXXX, i wrote to Nordstrom in reference to their reporting on my credit report and put them on notice about them continuing to report activity on a closed/charged off account which is CONTINOUSLY causing damage to my credit. This per said account charged off for loss in XX/XX/2018. From the IRS website it states that whenever a account is charged to profit or loss/closed reporting must CEASE from that date and no more than 90 days you must report the date of first delinquency that led to the default and that date is to be considered the commencement date of default. This account states CHARGED OFF AS BAD DEBT and has still reported CO which credit bureaus refer as CHARGED OFF. An account can only charge off 1 time. The reporting of CO after the closed date shows inaccuracies and should be removed IMMEDIATELY for not complying with Section 623 15 USC 1681a as this has caused me to not get qualified for a home mortgage. Also when an item is wrtten off for loss, the company notified the IRS that the debt was considered a loss, but to date I have yet to receive a 1099c form to be able to notify the IRS that the debt was written off and I can report it for income. The company has failed to meet he obligations of the IRS and has me feeling as if Im committing tax fraud right along with NORDSTROM. Please help me resolve this matter as I have put them on NOTICE 2 times before and now I will be seeking STATUTORY and PUNITIVE damages for their negligence
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-01-19
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. (FL)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo implemented a policy that I would get paid 2 days early without the option to opt out. I like getting paid every 2 weeks on Fridays like I have been paid for 20 yrs. This week the put my paycheck from my employer in my checking account 2 days early without asking for approval. When I called to get this new early pay policy revoked from my account, they told me they couldnt and this was happening to all their customers. I should have a choice and not be dictated as to when I get my paycheck.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (FL)

My Credit card company just reduced my avail credit by nearly 40 %, received letter dated XX/XX/XXXX after I made 2 large payments ( {$10000.00} XX/XX/XXXX and another for {$4500.00} on XX/XX/XXXX ) to cut my available credit from {$22000.00} to {$13000.00}. Their action significantly reduces my flexibility. Ive been with this card since XXXX nearly 20 years, have NEVER missed a payment and have maintained a mid XXXX credit score. Im furious with them. I would not have made those large payments if I knew they would cut my avail credit. When I called them, they stated the only way to even be considered for a credit line increase, would be to re-run my credit score. No way will I let them rerun my score, the letter they sent me stated XXXX had me at XXXX on XX/XX/XXXX, why rerun my score? Their letter and my conversation with customer no service stated " balances owed on accounts too high '' and " balances on accounts are too high compared to credit limits '' They just did that too me for sure by reducing my limit bringing balance and amount owed too close again. In addition, my credit file has an account on their that isn't even mine so I'm sure they listed that as an issue as well. I have no recourse on them, so frustrated and disappointed, again after 20 year customer even when my income has gone up steadily by more than than 125 % since I opened that card. All increases have also been on them voluntarily, not by my requesting them. They have made thousands in interest on me. I feel stuck, please help.