davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

XX/XX/XXXX  I tried to add {$200.00} to Chime from my XXXX debit card because I couldn't find my wallet and the only card I had with me was chime. It just said an error message when I attempted to add funds. XXXX ( my other bank ) froze my account because of attempting to add funds with chime because they " are problematic ". {$250.00} was taken from my bank account. Then chime froze the account only stating unusual activity. They requested me to verify my identity by sending the front and back of my driver 's license, a utility bill, and an explanation. I sent both sides of my license, the recent bill, and an explanation stating it was me that attempted to load my account with XXXX account so I could use their card. They never responded to my email even though it says 1 to 2 business days. I then called support. They then verified my identity and said I would get a response within 1 to 2 days which was a lie. I called again and they sent an email demanding social security cards, several bank statements, and more. They refuse to return the funds. I don't care if they close the account because I don't want an account that has no problem resolution and was useless in a time when I needed it. I want the {$250.00} they won't return returned to the bank account they took it from. It was more than I authorized to begin with. Nobody that answers phones will give information or a resolution.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To whom it may concern : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent accounts appearing on my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I sent a request to Equifax to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Equifax did not take any action regarding the incorrect and fraudulent information on my credit report. Equifax within minutes sent me an automated email saying your investigation is complete. Equifax did not even take the time to verify these fraudulent accounts .This is completely against the section 605B of the Fair Credit Reporting Act and Equifax should be held accountable.

I tried to verify these accounts by contacting above creditors. All of them had different addresses and phone numbers on their files. They are clearly fraudulent and Equifax is not doing a single thing about it. 

Claims/Disputes confirmation numbers with Equifax are XXXX, XXXX, XXXX and XXXX.
Consumer complaint received 2023-09-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The company sent email on XX/XX/XXXX  which indicated the authority to do business in the state was " pending. '' I submitted a dispute on XX/XX/2023 requesting authorization to collect debt and license information. The company stated that the credit bureau stated they could collect the debt. In retaliation for disputing the information with the credit bureau, the company replaced their name as the original creditor on the debt and charged the debt account in addition to the original creditor. 

The company did not communicate any information in writing regarding the right to collect the debt, the right to dispute the debt. The customer service agent stated that my credit score would go up if I agree to " just pay the debt. '' My credit score did not improve. The company is now reporting as the " original creditor '' on my credit report for XXXX XXXX XXXX XXXX XXXX XXXX and charged off the account again.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Subject : Request to Remove Duplicate and Fraudulent Accounts - Case : [ Police Report Number : XXXX ] Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding a duplicate account that has been opened fraudulently in my name. I kindly request your assistance in resolving this matter promptly. The details of the fraudulent accounts are as follows : XXXX. Account XXXX : XXXX XXXX  Account XXXX : XXXX XXXX. Account Name : XXXX Account Number : XXXX I would like to emphasize that I was not present in the country during the entire period when these accounts were active, specifically from XX/XX/XXXX through XX/XX/XXXX. As evidence supporting my claim, I have attached a copy of the police report filed regarding this fraudulent activity. The police report number is XXXX. 

Additionally, I have also filed a complaint with the Federal Trade Commission ( FTC ), and the corresponding complaint number is XXXX. I kindly request that you coordinate with the FTC to expedite the resolution of this matter. 

These fraudulent accounts have caused significant hardship in my life, both financially and emotionally. I urge you to take immediate action to remove these accounts from my record. I kindly request that you thoroughly investigate this matter, ensuring that my personal and financial information is protected from further misuse. 

I appreciate your attention to this urgent matter and your dedication to consumer protection. Please feel free to contact me via the provided contact information if you require any further clarification or documentation. I look forward to a prompt resolution of this issue. 

Thank you for your assistance.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I XXXX XXXX I PAID MY XXXX XXXX XXXX FOR THE PASS 15 YEARS I HAVE NOT BEEN LATE NOT ONE TIME THAY TURNER OFF MY CARD THEN THAY SAID THAT I DID NOT PAY THEM PLEASE TAKE THIS OFF MY CREDIT I AM HOMELESS I LIVED IN MY CAR MY CREDIT IS SO BAD NONE OF MY BILLS ARE DO NONE ARE LATE SO WHY MY CREDIT SCORE IS XXXX WHY I CAN NOT RENT A HOUSE ARE A APARTMENT WHY MAKE ALL MY PAYMENTS ON TIME SO WHY AND XXXX XXXX XXXX TAKE THIS OFF MY CREDIT BEEN XXXX OVER XXXX PLEASE NOW!!!!!!!!!!
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Source Receivables Management LLC (TX)

Please be aware this is my second complaint. Every individual every debt collector has to OBEY the law. This Business still has not provide original contract as requested. This company is attempting to do business with them.

Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this frivolous account on my credit report. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent, which, you have used to create this debt on my credit report. Let me explain, if you have used my Name and any other personal identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. ( See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) " Pursuant to 18 U.S.C . 1028A ( a ) ( 1 ), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A ( c ), he " knowingly... uses, without lawful authority, a means of identification of another person. '' The statute defines the term " means of identification ''. To mean " any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [ or ] date of birth. '' Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this trade-line then i will drop my claim.

You have 3 days to delete this frivolous account if you fail I will file a claim against your unlawful company.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

I have an online banking acct with chime bank also known as XXXX  XXXX  I have had the acct almost ten years. 2 years ago I was locked out of my acct and have written emailed called over 100 times in an attempt to resolve this I still can not access my acct yet they continue to accept my direct deposit each month I am attaching a conversation from yesterday where again. I attempted to do this and was met with yet more harassment from this company I have over 20 of these conversations on file where I have done the same thing and they continue to bully me and still have acct locked. The second is the conversation yesterday where after 10 hours of me providing over and over what they asked for they just keep asking for the same thing
Consumer complaint received 2017-12-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Onward Credit Holdings, LLC (VA)

XXXX XXXX With a line of credit from Onward Credit, you will be charged interest on the daily principal balance. The daily periodic interest rate applied to your daily principal balance will be 1.09315 % ( which corresponds to an Annual Percentage Rate of 399 % ). By making payments that are larger than the minimum amount due, or by paying your balance in full early, you can significantly reduce the cost of your loan. 

Transaction Fee When you utilize your line of credit to take out a cash advance, a 20 % transaction fee will be assessed on the amount you borrow. For example, if you take out a {$200.00} advance, {$200.00} will be deposited into your bank account and you will be assessed a transaction fee of {$40.00}. Please note that the entire amount of cash advance will be deposited into your account and you do not have to start paying the transaction fee until your next statement due date. 

Principal Balance The daily principal balance ( upon which the interest rate is applied ), is determined by taking the beginning principal balance of your account each day, adding in any new Cash Advances, and subtracting any Principal Payments received that day.
Consumer complaint received 2017-12-06
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: Ballybunion Enterprises, Inc (NV)

On XXXX XXXX, XXXX, XXXX XXXX XXXX reported a hard inquiry on my XXXX Credit Report that I did not authorize. I sent them a certified letter on XXXX, XXXX XXXX to remove the unauthorized Hard Credit Inquiry.  While the unauthorized inquiry is still being reported on my credit report.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (HI)

Joined the financial program to settled for payments of all the credit cards 5 yrs ago and completed all the settlements by paying them little by little. I thought its all done and settled until one of my credit card claims I still owe them causing that particular credit card ding my credit score.
Consumer complaint received 2023-09-26
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. (CA)

Subject : Request to Remove Duplicate and Fraudulent Accounts - Case : [ Police Report Number : XXXX ] Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding a duplicate account that has been opened fraudulently in my name. I kindly request your assistance in resolving this matter promptly. The details of the fraudulent accounts are as follows : XXXX. Account XXXX : XXXX XXXX  Account XXXX : XXXX XXXX. Account Name : XXXX  Account Number : XXXX I would like to emphasize that I was not present in the country during the entire period when these accounts were active, specifically from XX/XX/XXXX through XX/XX/XXXX. As evidence supporting my claim, I have attached a copy of the police report filed regarding this fraudulent activity. The police report number is XXXX. 

Additionally, I have also filed a complaint with the Federal Trade Commission ( FTC ), and the corresponding complaint number is XXXX. I kindly request that you coordinate with the FTC to expedite the resolution of this matter. 

These fraudulent accounts have caused significant hardship in my life, both financially and emotionally. I urge you to take immediate action to remove these accounts from my record. I kindly request that you thoroughly investigate this matter, ensuring that my personal and financial information is protected from further misuse. 

I appreciate your attention to this urgent matter and your dedication to consumer protection. Please feel free to contact me via the provided contact information if you require any further clarification or documentation. I look forward to a prompt resolution of this issue. 

Thank you for your assistance.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

- XX/XX/XXXX received notice from a lender because of form IRS XXXX- pursuit lending notified had outstanding balance of XXXX with IRS - XX/XX/XXXX researched that evening and knew I had paid and found out on XX/XX/XXXX chase improperly withdrew funds and paid XXXX XXXX and endorsed to an individual called XXXX XX/XX/XXXX called that evening and spoke to CHASE- told me need to fill out unauthorized endorsement and claim would not start until filled out and faxed from branch - XX/XX/XXXX filled out police report - XX/XX/XXXX Same day went to chase XXXX XXXX and emailed and faxed- confirm by team member - XX/XX/XXXX called claims did not receive- NO ANSWER same message XXXX days and 30-60 days to conclude and see what the claim will be - XX/XX/XXXX claims by phone still did not receive and suggested email from branch to supervisor and upload the file via email - XXXX on phone lso told to fax document from IRS from penalty and fees, called IRS can not do anything it is not their fault and can only fill out a document after to waive the penalty - XX/XX/XXXX phone claims received document but said missing marked check told to check the appropriate box - XXXX- Checked the right box and faxed with branch manager in in XXXX and told to fax again and I did check mark - XXXX- called again claims by phone said they saw paperwork but did not see check mark - XXXX- went to branch and had manager verify received and check marked - XXXX- spoke with chase executive services and XXXX handling case - XXXX- XXXX confirmed that claims did not receive proper documentation from XXXX- took another week until Wednesday/Thursday for XXXX to speak to branch manager XXXX - XX/XX/XXXX spoke to XXXX she confirmed on XX/XX/XXXX info was sent to XXXX XXXX but can not insure for the interest owed to the IRS said she would speak to managers and get back to me and that the case now may take 120 days to event resolve and not even guarantee funds will be retuned
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX and XXXX hard inquiries from XXXX CARD SERVICES appeared on my XXXX and Experian credit reports. 

On XX/XX/XXXX hard inquiries from XXXX XXXX XXXX XXXX appeared on my Experian credit report
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NY)

I XXXX XXXX have been dealing with Syncb/Amazon pertaining to a credit card account that is reporting incorrect/inaccurate information on my consumer credit report ( s ) across XXXX, XXXX & XXXX. This account was closed after XXXX and it is reporting late ( s ) for XX/XX/XXXX & XX/XX/XXXX 30 & 60 day consecutively when this account is XXXX balance and it is not even open. Additionally, there is a 30 day late in XX/XX/XXXX when this account wasn't even open then as well it was closed in XXXX. I spoke with the company representative ( s ) and they are unable to locate the account and on top of it I received a letter from this corporation on XX/XX/XXXX that said that the account is correctly reporting to the account ending in XXXX that they said is incorrect and not from them the representative on the phone said they do not recognize the tone and context of the letter. This is a very frustrating experience over the last 2 1/2 months dealing with this as not only is the creditor clueless to the details of the account they are reporting wrong information on my credit bureau which is severely hurting my credit for the worse. My score has dropped over 50 point ( s ) with the addition of these new wrong late ( s ) and the fact they told me they would look into this and remove these late ( s ) from XXXX, XXXX, XXXX & XXXX however, they can not find the account is frustrating and this financial institution holds on accountability. Reaching out to the CFPB is my last attempt to resolve this with the creditor as I am going to file a suit in my local court and litigate against the credit bureau ( s ) and the creditor as I have notified both of them about the violation ( s ) of their incorrect reporting in which they don't seem to care which has affected me financially and mentally. I am trying to acquire a home and this has severely dropped my score which has affected my personal relationship ( s ) and business relationship ( s ) with this wrong information contained on my consumer credit report.
Consumer complaint received 2023-09-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: A&D Mortgage LLC (FL)

On XXXX XXXX XXXX I bought an apartment in Florida with a loan, we deposited USD XXXX to start the business. This process lasted approx. 4 months, from XXXX to XXXX. At no point did they tell us the interest rate, they only told us that it was the rate that was current on the day of closing. 
On the closing day ( XX/XX/ ) we consulted that the XXXX had the rate between 5.25 % and 5.50 %, but we were forced to sign the interest rate imposed by the bank A & D Mortgage LLC which was Annual Percentage Rate ( APR ) : 9.322 % and monthly Interest Rate 8.490 %, which does not correspond to the market rate on the day of closing, which we consider a hight rate for the credit acquired. 
For this reason we require advice from you for the reduction of the current market interest rate, since the bank did not agree to correct it in sustained communication with them by telephone. 
Thanks in advance for your help
Consumer complaint received 2023-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Logan Finance Corporation (CO)

In XXXX I refinanced my mortgage with Logan Financial Corp and they informed me that I was in a flood zone and needed to purchase flood insurance. ( My original mortgage in 2017 did not require this. ) I purchased flood insurance for the first and second year, but they claimed I didn't and purchased insurance for me, adding the amount to my mortgage payment. This year they sent a notice stating that I needed to increase my coverage, so I started doing some research. I contacted FEMA, XXXX XXXX XXXX XXXX, and my XXXX  and discovered that I am not and have never been in a flood zone. I called Logan several times, emailed and mailed them all of the documents ( including their appraisal showing that I'm not in a flood zone ) and asked that they provide the flood zone determination documents. I also requested that they refund all money spent on insurance that I never needed. Eventually they sent me a determination document that expired in XXXX ( 2 years prior to my loan ) and a letter stating that FEMA changed the map and I am no longer required to have flood insurance. According to my research, FEMA has not revised the map of our area since XXXX. 
They will not admit that they made a mistake in requiring this insurance or provide a legitimate flood determination document, nor have they refunded my money.
Consumer complaint received 2023-09-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (TX)

I have previously filed a complaint on XX/XX/2022. Moehela said that they did not handle loan foregiveness applications. According to Texas Department of Education, they are supposed to. My complaint is that I had my XXXX Foregiveness Loan forms filled out by the appropriate schools and sent to Moehela who is supposed to address them. I did not receive any correspondence back from them or their acknowlegement that they had received them.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.