davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX BAXXXX 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 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MD)

The information thats reported on my credit report by Santander consumer USA, is inaccurate. On XX/XX/XXXX Santander received my regular monthly payment of {$790.00} in addition to a payment of {$15000.00} from a third party, proceeds from the auction of a XXXX XXXX XXXX thats financed through Santander consumer USA. For which they failed to pick up from the police impound after being given prior notice about the auction taking place. And now after receiving those payments, and me notifying them on XX/XX/XXXX about making future payments towards my account balance they went ahead and charged off my account without any prior notice. Which as severely damaged my credit and effecting me from securing future credits/loans.
Consumer complaint received 2024-09-25
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-25
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. (TX)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX XXXX - Account Number : XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1500.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2021-03-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CA)

On XX/XX/XXXX Robinhood took unauthorized funds from my checking account causing my account to be overdrawn. They took out the same amount the day before but I had authorized that amount, so they did a double withdrawl. Robinhood has locked my account and I have not heard back from customer service in 11 days.
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (WA)

XXXX Mortgage is refusing to accept the valid XXXX XXXX XXXX XXXX document provided by homeowners insurance company. When contacted by Insurance company and attempted to explain the Master Insurance policy, and how it works, the XXXX Department agents at XXXX Mortgage are rude, very unprofessional, disruptive and keep referring to the policy which does not make sense and appears to contradict industry standard. When requested to be transferred to agents managers, they refuse. I am puzzled why the homeowner is caught up in-between XXXX company and XXXX Mortgage dispute.
Consumer complaint received 2023-04-24
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. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXXXXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXXXXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX.
Consumer complaint received 2021-03-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NM)

I had a secured card. They decided to cancel my card. My security deposit was XXXX. When I talked to them ( Citibank ) they informed me that the XXXX would go against the balance. I was never sent a bill for anything else owed. The amount due was XXXX but I had no idea I owed that. Now in XXXX. They say I owe XXXX and all of that is Fees and Interest. If I new I only owed XXXX cents anyone in there right mind would of paid right away. Since I didn't know about amount now they expect me to pay this. I informed them of my frustration and here is where I am at. I don't mind paying XXXX and one fee and interest if need be. But not XXXX.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2023 my wife received a call from a company called XXXX XXXX XXXX, and they said that they are part of the " XXXX XXXX XXXX ''. 

They shared information about a vacation package and assured her many times that the {$1800.00} purchase is fully refundable. They confirmed the refundable element at least 10 times to reassure my wife that if she changes her mind anytime within a year that we would get the full amount refunded. 

She reluctantly gave our Chase credit card information over the phone, then started feeling uneasy about the purchase, so she requested the refund on the call. On that same call, the XXXX XXXX representative assured her that they processed the refund. We assumed that the issue was resolved and that we would not be charged. 

A few weeks later we saw the charge on our Chase credit card so we started the dispute process. Chase reached out to the merchant ( XXXX XXXX XXXX ), who then said the purchase is non-refundable. XXXX XXXX XXXX also provided a policy document that explains the non-refundable detail. We discovered that XXXX XXXX XXXX representative fraudulently signed my wife 's signature on the policy. 

Upon Chase 's request, we provided Chase with a copy of my wife 's driver 's license which includes her signature, to show that the signed policy did not match her legal signature. 

Chase said that the non-refundable policy is in place and that they can not protect us as their customer. That our only option is to hire an attorney to go after XXXX XXXX XXXX. 

Chase knows that it was a fraudulent signature, but says that their own policy doesn't allow them to write off the charge, or protect us as their customer, or pursue any further action with the merchant. 

We have been going through the Chase dispute process for nearly 4 months at this point and they're telling us that we are responsible for the charge and that they will do nothing else to help us. 

The merchant lied to us on the phone saying the charge is refundable, then promised they refunded it which they did not. 

Chase had us go through the dispute process for months, and provide evidence. Then Chase refused to remove the charge.
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (WA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

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

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

I demand the late payment reported in those account to be removed.

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

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

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CO)

I've had an account with chime for a couple years with no problems. Recently someone hacked into my XXXX XXXX account and pretty much drained the rest of my tax return from my chime account. On XX/XX/2023. XXXX dollars in a series ' of adding cash from my chime account to my XXXX XXXX, than sending it to themselves. Multiple transactions from XXXX to XXXX. The last time they tried for another XXXX and it got declined.I 'm newly divorced, and lost everything in that divorce. I've been trying to rebuild my life. So if you can imagine, that money was very important. I noticed this hack about two hours after it occurred and immediately notified chimes dispute department. First I'm told that once the transactions are no longer pending, then I need to promptly notify them again that I still dispute the charges. When I ask when Ill see my money credited to my account. I was told by one employee up to 45 days and by another, XXXX, ,up to 90 days. So I research their website. They claim to be backed by XXXX XXXX XXXX liability policy. And my XXXX XXXX  was only linked to my chime XXXX card. So than I research XXXX XXXX  website and policy. I even call their customer service. The policy states that XXXX requires all issuers to credit your account within 5 days of notification. So I call chime multiple times, even speak to a supervisor. All I get is this run around talk and the same 45 to ,90 day XXXX and employees pretending like they give a XXXX. It's a XXXX  dollar company with insurance. And they are refusing to credit me the money stolen from my account in a timely manner going against their own policies and contracts. Meanwhile im stuck at home needing a car repaired and can't even buy groceries. If this were any other bank my money would've been back in my account in 24 hours or less. I have never been more disappointed, let down and disgusted by the greed of a company. Shame on them. Seems to me like some class action lawsuits are headed their way. As they deserve. How unintelligent to go against your own policies are rules. They deserve nothing less. As for myself, I'm already in contact with a consumer protection lawyer who works on contingency. Which will cost them much more in attorney fees
Consumer complaint received 2023-07-26
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: Experian Information Solutions Inc. (IN)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

on XX/XX/2023 The credit bureaus stated XXXX XXXX account # XXXX was properly investigation but how is that possible if im the original creditor and on XX/XX/2023 i sent a verification form certificated mail number # XXXX with instruction and they were not completed there for all these soft pull hard pull and names address that you have on my report are to be removed imditily this is also volition my rights under 15 u.s.c 1681 section 604 A section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions i haven't given these accounts written permission to furnish these accounts on my credit report as well XXXX dollar fines are to be sent to me and company held a countabule for their actions thank you mr XXXX XXXX.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated (TX)

I trying to set up direct deposit on this card. I get a error that says I am not able to set up direct deposit due to suspicious activity on the card. So I called in and twice I have been transferred to a rep that can not help. Then they transfer me to another number that was disconnected. I can not keep calling them because I am charged each time I call. I need the direct deposit set up. I have the card set up with child support and the child support office said I have to set up direct deposit with the card. The card said child support. I need the direct deposit set up. This company is the worst they are charging for things I should not be charged for and I can not call customer service more than twice a month or I will be charged eventho customer service hangs up on me.. I want to be done with this card and have the direct deposit. And also I am able to withdraw twice a month from the ATM without a charge. I was charged for withdrawing from a ATM and it was the first time I withdrew that month. I have attached the XXXX statement and I have yet to be refunded.
Consumer complaint received 2023-03-21
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (OH)

Complaint Description : In XXXX of XXXX, my wife and I went to the XXXX XXXX XXXX in XXXX Ohio listed in above address. I suffer from a XXXX XXXX condition and my wife has a XXXX on the foot. Both conditions produce foot pain. 
On XX/XX/XXXX, I and my wife were evaluated by the male staff person. He said that XXXX XXXX was a Medicare provider, and that he was going to diagnose my wife and my foot condition. 
He informed us that Medicare 80 % of costs, and our XXXX XXXX XXXX would cover the remaining costs. 
Next, the XXXX staff person said he would diagnose our feet to determine the our condition and prescribe orthodics that would address our respective foot conditions. 
Based on XXXX staff persons diagnosis, he prescribed orthotic inserts for my wife XXXX XXXX and myself : The staff person that waited on us examined our feet and diagnosed the need for the following inserts : Model numbers XXXX, XXXX, XXXX. 
XXXX XXXX  representative informed us that Medicare and XXXX XXXX XXXX XXXX XXXX would cover 80 % of costs ( {$1500.00} ) for Claim. Our portion would be {$380.00}. 
XXXX podiatrist said that the Care Credit Card would cover the {$380.00} expense for both my wife and I. 
XXXX XXXX instructed us to wear the three inserts, the most extreme for as long as tolerated, then wear the next level insert as tolerated, and then wear the lest rigid and less painful the rest of the time. 
After wearing the inserts for ten days, and our foot condition became more painful. I called XXXX and spoke with a woman on named XXXX. I told her the XXXX XXXX prescribed our inserts orthodics but the pain of wearing the three different inserts as instructed had made our foot pain worse for my wife and I. I requested a refund. 
The staff person, XXXX, said we could not get a refund because they were expressly designed for our respective foot conditions. 

On XX/XX/XXXX, since we had 60 days to dispute charges for these unacceptable goods, we requested Synchrony Bank to cancel this order Immediately and stop billing us. According to Federal Law, Synchrony Bank is required too investigate and cease payment until this fraud is resolved. 

Synchrony Bank never investigated our dispute for these fraudulent shoe inserts. 

On XX/XX/XXXX, Synchrony Bank 's attorney issued a Summons in Civil Action from XXXX XXXX XXXX XXXX, XXXX, Ohio Case # XXXXXXXX XXXX XXXX XXXXXXXX. Synchrony Bank is requesting we pay $ XXXX That we are required to serve upon the Plaintiff 's Attorney, or upon the Plaintiff, if he has no attorney and the court, and answer within 28 days ( By XX/XX/XXXX ). 

Please help. 
Respectfully, XXXX XXXX