davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (UNITED STATES MINOR OUTLYING ISLANDS)

On XX/XX/2022 my checking account and identity were compromised. A transfer from my savings to my checking account among several unauthorized fraudulent charges were made on my Chime bank account. The total amount of the fraudulent charges came to {$1800.00}. My account information including phone number, pin number and password were changed without my knowledge or permission. 
On XX/XX/XXXX the next morning when I started receiving emails that my balance was low, I called Chime to resolve the issue, and found I did not have access to my account. The customer service representative would not allow me access to my account without proving the last five transactions, which I could not provide for lack of access to my account. On XX/XX/XXXX, I was able to call again and finally received instructions over the phone that if I wanted to regain access I needed to prove my identity through picture ID. I did so, was able to reset my password and found the fraudulent charges and my bank account drained. 
I then called Chime again with this information disputing the charges on my account, providing the service representative on the phone with each fraudulent transaction. Chime filed the dispute. On XX/XX/XXXX and XX/XX/XXXX I received two separate emails from Chime about the dispute. They claimed that there was no error found and the amount recorded for the dispute came out to only {$1300.00}. It also was missing a disputed transaction. I made a rebuttal email asking to re-open the claim as the charges were made in Colorado, and I live in XXXX NY. I was able to obtain proof from my manager at work showing that I was at work in XXXX  on XX/XX/XXXX when the charges were made. 
On XX/XX/XXXX, I received a response from Chime stating that there was still no error. The amount of the claim was still incorrect. I requested the document used to investigate the outcome of the claim. In that document they stated their reasons for denying the claim. The reasons stated were either false, did not address the document I provided about my location, and were not evidential. 
I have filed a police report ( case # XXXX ) with the XXXX XXXX XXXX XXXXocal police department. I am still awaiting the official report. I have attached all corresponding documents to this complaint.
Consumer complaint received 2021-10-01
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)

XXXX has placed these 2 accounts on my credit report before notifying me within 5 business days. These two companies have not sent me anything in writing to explain why they have sent these accounts to the credit bureaus to upload them to my credit report. According to the FCRA, I am supposed to be notified in writing about accounts that are placed on my credit report and I was not notified. 

XXXX  XXXX XXXX
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (PA)

Due to the outbreak of the Covid-19 virus many unforeseen changes took its course causing many not to be able to pay their bills on time including myself. Since the obligations were paid in full on XX/XX/2022, I request that you please stop reporting the accounts as late and delete them from my credit report as you are no longer owed this debt. 

I am trying to clean up my credit report and seek new credit opportunities. I have recently started a new business and are trying to secure business funding. Your company is hindering that progress and defaming my character causing me to be denied credit and funding to start and grow my new business due to inaccurate and unfair reporting. Please assist me in accomplishing my goal by deleting the accounts being reported to XXXX as I no longer owe you this debt. 

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

I am exercising my right. Delete the account.

15 U.S.C 1681 Section 604 A Section 2 : States a furnisher of information can not furnish consumer information without my written instructions. 
I did not give you consent. Delete the account. 

15 U.S.C 1681s2 : Responsibilities of furnishers of information to consumer reporting agencies must provide accurate information.

The information being reported is inaccurate.

Ignoring my attempts to have these accounts deleted from my consumer report is a clear violation of my rights according to the Fair Credit Reporting Act of all the laws stated above including 15 U.S.C 1681-violations for willful noncompliance- 616- Civil liability for willful noncompliance [ 15 U.S.C 1681n ].
Consumer complaint received 2021-10-02
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. (PA)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places. Please review the attached FTC report.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am contacting you to request the removal of specific fraudulent accounts and inquiries from my credit report. I am a victim of identity theft associated with a recent data breach, and these unauthorized items were added to my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent entries be permanently blocked and deleted from my credit file. 
XXXX Accounts : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Started in middle 1970s. I have tried working with the bank for 3 years. It may have to do with a personal unsecured loan that I obtained for emergencies back in the 70S other than me has been using the card for several purchases and using my bank account to make minimum payments. I believe it was identity and bank fraud. Someone obtained a chase card in my name through identity theft. The purchases were paid for through auto withdrawals from my bank account. I discovered it and had the automatic withdrawals shut down. Now I am being harassed to settle the account and they are refusing to help me get to the bottom of the identity theft and fraud charges.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2022, two fraudulent checks, totalling {$7900.00}, were cashed by a teller at XXXX XXXX XXXX XXXXXXXX in XXXX, NC. 

My wife immediately identified that these were fraudulent checks and we notified the fraud department of Wells Fargo to stop the transaction. I also made a visit to the XXXX  XXXX XXXX  of Wells Fargo in XXXX XXXX, VA, to get assistance from a branch manager, XXXX XXXX, who contacted a " higher-up '' to expedite the process. 

I contacted the bank daily, as federal law dictates that fraudulent funds must be returned within 10 days. 

Four Wells Fargo employees were involved in this case. A case number was set up by the fraud department XXXX. 

After numerous calls and over 3 weeks later, I received a call from XXXX XXXX of the fraud department, that because this was a 3rd party bank and that the check was cashed by a teller, that Wells Fargo would not reimburse the funds. This same person suggested that I take legal action against Wells Fargo. 

I am submitting this complaint against Wells Fargo and have since hired legal counsel to help return the fraudulent funds. 

I await your timely response! 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (LA)

Student loans are being reported 6 times, as charged off accounts 3 of them for XXXX 3 of them for XXXX. Totaling over XXXX in charged off accounts that should not be appearing on my credit. I have tried for years between the department of education, and Nelnet to get this fixed, to no avail. Please help get this fixed I am desperate!
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-12
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. (GA)

I have repeatly asked EQUIFAX to please send me validation of said acct ; XXXX XXXX - I do not have nor have I ever had any business w/XXXX XXXX- Additionally, I have requested they provide the name, address, and telephone number of each person contacted regarding this alleged acct. along with a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

I have requested that any automated response or e-Oscar verification is unacceptable. 
I have asked for a reinvestigation AND their Method of Verification several times. I am/have made a final goodwill attempt to have EQUIFAX clear up this matter. 

The listed item is entirely inaccurate and incomplete and represents a very serious error in EQUIFAX reporting. I have advised them that I will be reporting them to the Consumer Financial Protection Bureau and the Attorney Generals office. 

They continue to be NON-COMPLAINAINT according to the FCRA sections 603, 604, 609, 611, and 623, BY SENDING MY THE SAME AUTOMATED RESPONSE : The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *CLIENT NAME. 

WHERE IS THE ORIGINAL SOURCE OF INFORMATION THAT WAS PROVIDED TO THEM? 

My Next and only recourse is to file a Civil Penalty Claim for their willful non-compliance.
Consumer complaint received 2018-07-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (NC)

Someone else have my identity stole. That persona have my social security number and driver lincense number and my Home Andress as me! I never get those service this medical data system want me to pay to XXXX XXXX XXXX Im provide the enough prove to confirm I wasnt me the person .. Im asking to make a fair decisions and stop report it to my credit and stop sending bill I dont own is very hard for then to be believe wasnt me but the sending me inaccurate information about this I never singnature any document to you or never get any attention from this hospital at this time
Consumer complaint received 2021-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (CA)

On XX/XX/XXXX I filed a dispute for several transactions on my debit card for a company who had locked and took away my access to the digital content I had purchased and didn't issue me refunds on. On XX/XX/XXXX I submitted my written complaint to the debit card company as I was told I would have to do so in order to be considered for provisional credits. They stated my 10 business days would start the day I sent written confirmation not the day I began the dispute with a phone call. On XX/XX/XXXX when I had heard nothing back from money lion I contacted the support to find out what was going on. I was told the dispute department had additional questions I needed to anwser I replied back to those questions the following day and contacted support again on the XXXX. This time I was told because I had not answered back the requested for the questions my 10 days provisional credit would take longer as they needed more time. I told them that was the reason that law was in place to which they began giving any and all reasons why I hadn't been issued my credit. Then finally to blaming me for sending my initial written claim to the wrong dept. I sent It to the email I was emailed the claim form in. They still won't issue my credits stating they need more time. It has been 19 business days since I called In dispute and 13 since I wrote to get the credits as they require
Consumer complaint received 2024-11-01
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. (MO)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to request the blocking and permanent deletion of accounts and inquiries listed below, which were fraudulently opened in my name due to a recent data breach. These accounts and inquiries were not initiated by me, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their removal from my credit report. 
Please remove the following fraudulent accounts : 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 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

I do not owe any amount of money to any entity, business, corporation, or individual. I continuously and repeatedly receive phone calls from XXXX XXXX XXXX. I have no relationship of any kind with the entity using XXXX XXXX XXXX. This entity is described as a debt collection agency.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXXl is a completely fraudulent Co. ever since the onset of the loan, they have dealt in nothing but shady practices. Then ended up taking the truck that was financed. 

Upon trying to get everything straight with them I was told that if I paid the balance in full, they would remove the trade line from my credit reports. They have not to this date. I have called, and basically got mocked, and laughed at because of their trickery, and immoral business practices.
Consumer complaint received 2022-06-12
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: Kelsting Group, Inc. (CA)

On XX/XX/2018 XXXX added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2018-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (ND)

To whom it may concern This letter outlines the struggle I am having dealing with Round Point Mortage in getting them to release funds to pay the contractors I have used to repair my house dealing with a claim from damage from a hail storm on XX/XX/2018. My insurance company issued a check for the damage to Round Point Mortgage and myself. I signed the check and forwarded it to Round Point as they wanted to control the release of the  funds. 
I have been contacting local contractors to do the work, but with all the damage from the storm it has been difficult to find contractors with time to perform the work. I did however find someone to remove and replace the roof of my house and my garden shed. I have forwarded the invoice to Round Point for this repair, but they refuse to release the funds to pay my roofer. I am asking for help from you to get the money to pay the company who fixed my roof. Some of the struggles I am dealing with is each time I call them, I sit on hold for hours and they request additional information. I send them the info requested, but their policy is that it takes 5-7 business days to surface in their system and another 3 days for someone to review it. Each time this happens, it adds another 2 weeks that my bill is delinquent.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I am writing to formally request the blocking and deletion of accounts and inquiries listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit report.

Please find the details of the accounts I am disputing : Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$3600.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX o Balance : {$1600.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} XXXX. XXXX XXXX  Account XXXX : XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$1800.00} XXXX. Chapter XXXX Bankruptcy XXXX Case Number : XXXXXXXX XXXX XXXXXXXX Filed : XX/XX/XXXXXXXX XXXX Balance : {$0.00} Unauthorized Inquiries 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-11-02
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. (WI)

Hello, I contacted Equifax, advised them that I am not contractually obligated to pay two cards on my Account- XXXX and XXXX XXXX I am listed as an authorized user and for those two cards I did not want them on my Credit report and requested for it to be deleted immediately. 

She advised me that it will take 30-45 days via a online dispute and they would have to wait to hear from the creditors. I even explained that I can produce documents from these agencies, and I still got met with resistance. 

I asked her if Equifax has it on the credit report that they provide to me and it states that I am an authorized user, which means I am not contractually obligated shouldn't they be able to take action, just knowing that. The service was so rude she kept talking over me, and cutting me off ... then I got fed up and asked to speak with a supervisor and she got quite and after about a minute or so transferred me over to another rep. To whom I asked her to transfer me to a supervisor. No resolution on my credit to date.