davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CA)

Somebody opened a Chime bank account with my personal information ( name, email, social ) but used a different phone number and address. I received an email from Chime that my temp card was active and physical card in the mail. I tried to contact them to tell them I never opened this account. I reported to FTC identity theft and major credit agencies. It is physically impossible to actually reach a live person at chime though they keep emailing me telling me to call the number. None of the options on their support phone line at any point in the day will actually lead to a live person. Im stuck in a feedback loop and cant close this account. No idea what is happening in the meantime whether they are using my credit, racking up charges that will ultimately go to collections or what. Not sure what else to do at this point but somebody recommended I try this site as well.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a child support account opened XXXX XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX XXXX XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, personal loan account opened XXXX XXXX opened on XX/XX/XXXX under account number XXXX. These hard inquiries XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2021-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX, owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint as follows : *on XXXX received a check # XXXX in the amount of {$1600.00} - mobile deposited it into our Wells Fargo business account on XXXX. 
*In XX/XX/2020, I came across the check, looked up in my online business account to see if the check was credited to my account. It did not show credited. I assumed that the check inadvertently did not get deposited so I mobile deposited it again on XXXX. 
*I then received a notice from Wells Fargo that the amount deposited was returned because XXXX XXXX ( customer 's bank ) indicated that the check was previously deposited therefore it was considered a duplicate. 
*Upon contacting my customer, they informed me that the funds were taken from their account on XXXX. My business account has NEVER been credited for {$1600.00}. 
*I have since filed 4 claims with Wells Fargo Bank to research and locate the missing funds, made at least 14 follow up calls, and have physically gone into the bank twice to get answers. 
*Bottom line, I made a deposit into my XXXX account, my clients account had funds taken from their account yet NO FUNDS were ever credited into my account. Somehow Wells Fargo Bank lost my funds and NO ONE has been able to fix this problem.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

I have a collection account showing on my credit report that I know nothing about with this company The CBE Group. I have not opened anything with them nor do I know who they are. The claim shows an open date of XX/XX/2019 for {$280.00}, now owing {$280.00}. I have tried to dispute this with no success. 

I have not received anything in the mail showing what business this is nor did I receive any collection letters or warnings. This just appeared on my credit. I would like to know what this is and for it to be taken off because I no nothing about it.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (NY)

This is in reference to a JetBlue Mastercard issued by BarclaycardUS. BarclaycardUS had a tech issue this week. From what I gather there is a glitch in the new card activation process. Because of this I am locked out of my account on both the app and online in addition to not being able to activate my card. Despite repeated attempts for hours on end, NO ONE is answering any of the XXXX XXXX numbers - and I have tried all of them. I just tried again and gave up after 40 minutes - this is at least the 10th time this has happened to me. If you look at the comments on the BarclayCardUS XXXX and XXXX pages you can see I am not alone. 

As far as I can see there has been no communication to the US cardholders about any of this. If I can't access my account I can't pay my bill and therefore may be subject to fees, which I will refuse to pay - and that would be fraud anyway. If I cant reach anyone I can not regain my account access. Ive been on hold for hours, and disconnected many times, so calling in to schedule a payment is useless. This is sadly among the worst client experiences I have ever had and a potential media nightmare should this gain visibility. I XXXX XXXX XXXX  a few times and received no response. However, the XXXX Barclays twitter responded but they can not help as I am US-based. I have already submitted a complaint to the US XXXX XXXX XXXX. The lack of client focus in the US is quite frankly appalling. 

I want simply to have someone remedy my issue so that I can ultimately close the account. But as it stands they are barring me from accessing or closing my account because no one is answering. There is not way to get to any human being at this company.
Consumer complaint received 2019-08-31
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: ID Analytics, Inc. (TX)

My credit and personal information is in " SageStream , LLC '' posession and is being used to make credit decisions. I have never heard of this organization. XXXX, XXXX and XXXX are the only Legit credit bureaus. Why do this organization have my information?
Consumer complaint received 2021-07-15
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: I.C. System, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX  XXXX  XXXXI C SYSTEM ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX  ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Equifax needs to be shut down. They are unethical. There are too many dates ( 100+phone calls/letters ) to list on here and they have already inconvenienced me enough and I have very bad XXXX conditions. They can give you a log. Bottom line ... .This is not my account! I provided proof ten times. They keep playing games! I want XXXX XXXX off of my Equifax credit report ASAP! Next step ... I'm calling every media outlet. I am tired of these people getting away with ruining people 's lives.
Consumer complaint received 2020-04-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

The bank confirms that the funds ( $ 34K+ in principal deposits ) in my company 's savings account are " on the ledger '' but that they are " not available. '' Regrettably, they can not advise as to why, or what needs to be done in order for the funds to be released. I repeatedly went to the Citi branch in XXXX, California and they advised me it was a " fraud '' issue. I called Citi fraud and they confirmed there was no fraud and noted on the account that there was no hold from their department. The branch then tried to call various Citi departments to get an answer but was unable to do so.
Consumer complaint received 2023-06-09
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. (VA)

To Whom It May Concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letter for the information that needs to be re-investigated. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The Late Payment Status is incorrect. 
XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The XXXX XXXX XXXX is incorrect. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2020-11-13
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. (OH)

TO WHOM IT MAY CONCERN XXXX XXXX XXXX Despite three requests, there is still no PROOF OF CLAIM, and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC.
Consumer complaint received 2023-09-29
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 Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2
Consumer complaint received 2019-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (VA)

I received a letter from Transworld Systems Inc on XX/XX/2019. The leeter stated they were collecting a debt for XXXX XXXX XXXX XXXX in the amount of {$260.00}. The letter also stated I had a past due account with the company ( XXXX ) who attempted attempted to bill the charges to my credit card, but the charges were denied. I have never used XXXX and I do not have an account with them. They have never sent me notices to explain any debt they believe I owe. 

After researching online I have come to see this appears to be a common scam which may involve identity theft and theft of credit card numbers. 

Earlier this year someone used my credit card number to place an order out of XXXX XXXX XXXX, but that charge was quickly discovered and denied. The order never went through.
Consumer complaint received 2019-08-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Yesterday ( XX/XX/2019 ), I tried to log in to my Mr. Cooper online account to see a mortgage statement. The screen said that my account was locked and I should call customer service. After calling customer service they informed me that my account was under litigation and they could not tell me anything about it unless my lawyer contacted their litigation department. I asked for the contact information of the litigation department and they refused to provide it. They claimed they already provided it to my lawyer. I know this is false because I do not have a lawyer. They are locking me out of a healthy account that has never missed or been late on payments and giving me no way to unlock it. 

Note : I have a minor building violation ( related to permits that the previous owner did not obtain ) that I am working with the city of XXXX to resolve. I am current on mortgage payments.
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I my complaint is with my loan services XXXX. In XX/XX/XXXX. I experienced a hardship and found myself homeless. I was living online hotels and shelters with my XXXX year old son. I was having such a difficult time that my loans fell out of deferment. In XXXX I contacted Navient customer service and explained that I was homeless and need to request assistance. I was advised by the representative that I qualified for hardship and that she would retroactive the account status back to the initial time that I was evicted. The representative explained to me that she would send the request to the credit department and that my account would be brought back to current. I was asked to allow 30 days. The next month I checked my credit report and it was still showing the 90 day late status. I called again and was advised again that the credit department will update the status. This never happened. In XX/XX/XXXX. I submitted a good will dispute as advised by the respective to the credit department at XXXX. Never received a response. I made several phone calls to XXXX about this issue over the past almost 2 years. To no avail. The representatives are not helpful and they do a poor job of communicating and documents. I even uploaded my eviction documents as requested to the portal. I submitted 2 other disputes because I was told that they can not remove the lates payments. They have been servicing my loan since XXXX and my credit report shows several months of no reporting of data. They have never accurately reported the status of my loan. By law according to FCRA. They are required to report complete and accurate data. They have missed 6 months of reporting in most of the years of my loan. I also showing 3 different account numbers being reported on each of the Credit Bureaus, which is a clear violation of FCRA 609. I argued that how can you report a late payment on a hardship, but also not report accuracy each month on my loan? I'm asking that ALL inaccurate and derogatory entries be removed from my credit report IMMEDIATELY!
Consumer complaint received 2021-11-16
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. (PA)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/XXXX I received a phone call from my loan agent because my husband and I were trying to purchase a house and get pre-approved. My loan agent called and said that my credit shows a {$67000.00} mortgage debt. She sent me my credit report and told me to call the company and find out why they are reporting this against me since I did a short sale on the home home in question. I called Mr. Cooper ( which used to go by Nationstar and is showing up on my report as Nationstar ) on XX/XX/XXXX and was hung up on a couple of times with each representative stating that my phone was suddenly losing connection. I finally spoke with someone named XXXX. She asked me for my loan number and I told her I didn't have one because I never did business with Nationstar. She gave me the steps to follow to have this resolved within the company and removed within about a week. I called the number and left a message on the voicemail of XXXX XXXX. He called me right back and stated that they were closing for the evening and he would call the following morning. He issued me a loan number to use for follow up. He did not call the following morning so I called him. He said that he passed the information to his supervisor and has not heard anything from her so he would call or email in a couple of days. It has currently been three weeks and I have heard nothing. With the Covid 19 going on I was being generous and giving additional time but now I am frustrated. I called again yesterday late morning XX/XX/XXXX and Left Mr. XXXX a message and he has not returned my call yet. I'm not sure what the problem is since I have the title documents showing that my sale went through XX/XX/XXXX and they have record showing that the transfer of my loan to them from XXXX  XXXX XXXX was effective XX/XX/XXXX. Its as simple as me emailing or faxing them these documents as proof. At this point, they are the only negative on my credit report. I was advised that by going in house and requesting a credit update so it goes through all of the credit agencies would be smoother and quicker than if I went directly to each credit agency.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MN)

This is a follow up complaint Referring to my prior complaint # XXXX XXXX XXXX. 
The company absolved me of the disputed {$600.00} and removed x1 XXXX $ late fee. 

The company is now giving me a minimum payment of {$300.00} due on XXXX XXXX. I just received this notification letter via mail XXXX XXXX. 

This amount includes interest charges on the disputed {$630.00}. 

The late fees from OcXXXX XXXX XXXX  add up to {$220.00}. The interest fees add up to {$20.00}. XXXX + XXXX. Not XXXX. A difference of {$66.00}. 

I was denied previously that all late fees and interest be removed due to my 6 months of trying to contact this company via multiple sources and them denying my dispute in XXXX.