davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
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. (FL)

This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (GA)

I banked with Chime for almost 5 years until they suddenly decided to close my account. I had money still left in it and also an OPEN dispute on my account when it was closed. Everyday I called to get an update on my credit that was sent to my account they always tell me its coming. Then on one particular day when I called they finally told me that Im not entitled to a refund! First off, how am I NOT entitled to a refund when it is my MONEY! To make matters more confusing the claim was also seemed as valid by them and they closed my account. It seems as if they planned to steal my money because they didnt want to either pay me my money or they wanted to pocket it. After I threatened to make a complaint with the CFPB thats when they said they would send the money. I even called the merchant and the merchant has told me numerous of times Chime has NOT sent the money back and that they will need to provide me with a reference number stating when the deposit was rejected and that they have returned it. Chime didnt provide none of the information to me because they are keeping my money. How can a bank steal I was with for 5 years steal from me? They didnt send the money back to the merchant so they can reissue me a refund and they havent sent me my check. After going back and forth for hours Chime agreed to send me my check. Which was on XXXX XXXX and I have no idea if its the {$240.00} that was in my account or the full {$1900.00} that was credited to me. In total chime owes me {$2200.00} Chime is bank full of XXXX! Ive been waiting since XXXX and tomorrow is XXXX! If I dont get my check totaling {$1900.00} in XXXX weeks plus the {$240.00} I will be getting legal counsel im already in the process of getting my documents together and have found a good lawyer I just know filing a CFPB complaint will show that Chime has full knowledge of what they have done and I will also be suing for court fees. Where is the reference number on the credit being sent back? What day did chime send the money back to the merchant? Chime what did you DO with the money that was credited to my account on XXXX XXXX in the amount of {$1900.00}. Where is it?
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was trying to buy a house and all of these negative items appears on my credit report. According to the laws 15 U.S.C 1681 law damage on my report. Remove all fraudulent account immediately. This is a defamation of creator. This for Tran Union, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-01
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. (NY)

I recently checked my credit reports and noticed multiple billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CT)

Good morning, My name is XXXX XXXX and I have been a XXXX customer for a while. I was last year a victim of Zelle scam. I moved to a new location for university and attempted to find an apartment. I was shown an apartment which turned out to be a scam. The " leasing agent '' requested to make the payments over Zelle, I made multiple payments over a few days. I wanted to see the apartment before and they " showed '' me an apartment which turned out not to actually be a real unit that was available. I made a payment in total of {$2300.00}. I attempted to use the normal police, and zelle channels to get the money back. Then I turned to XXXX. However their XXXX " investigations '' just said that " I paid the money '' therefore I am liable. However there has been much coverage, new rules, and laws zelle scams. 
Zelle is refusing to talk to me and says they can not do anything for scams. XXXX relies on Zelle 's policy and says there is nothing they can do
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I hope this letter finds you well. On XX/XX/XXXX, I contacted TransUnion regarding discrepancies on my credit report. Despite my initial inquiry, TransUnion has yet to respond. I am writing to bring these issues to your attention and seek resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information on my credit report is as follows : XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ) : XXXX  : The reported balance of {$1000.00} is contested, as I recall a lower amount. 
Requested Correction : I request the deletion of the Past Due amount, as this account is closed and XXXX. Kindly mark this account as disputed to prevent any adverse effects on my credit score.

XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} ) : XXXX  : This account is not mine. 
Requested Correction : Remove the XXXX account from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} ) : Discrepancy : This account is not mine. 
Requested Correction : Remove the XXXX  account from my credit report. 

XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) : XXXX  : The reported balance of {$390.00} is disputed ; I believe it should be a lower amount. 
Requested Correction : Mark this account as disputed and exclude the Past Due amount, as the account is closed and XXXX. Additionally, verify the accuracy of the Date Opened, Date of Status, and XXXX  Reported details.
Consumer complaint received 2024-05-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: AES/PHEAA (NC)

American Education Service ( AES ). Filed bankruptcy in 2015, fulfilled undue hardship requirement and they continued to file loan against credit, lowering credit even further. Requested information on why and they said they determined I did not qualify even though federal judge decided I was. They continued to deny claim and would not work with me.
Consumer complaint received 2020-02-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (OR)

I have a personal loan with lending club. It is a once a month payment due on the XXXX of each month. On XX/XX/20, I saw a charge on my online banking that was posted from lending club.com for {$11.00}. This amount did not match my payment plan and was not scheduled. I call lending club to see what it was and they said they had no record of the charge and could not see it on their side. I called my credit union and they could see that the money was pulled out of my bank at lending clubs request on XX/XX/20. I called lending club again today ( XX/XX/20 ) and the person now tells me they are aware of the situation and they switched computer programs and emails are being sent out to employees that there is a widespread problem occurring with unauthorized payments being pulled from peoples bank accounts. She was glad mine was only {$11.00} dollars and not a XXXX dollars and implied that other people were having that much unauthorized deducted. She said their computer program is automatically reversing the unauthorized charges. By the end of the day today, I still dont see a reverse on the charge yet ( and neither does my bank when I called them ).
Consumer complaint received 2024-01-29
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. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to bring to your attention the unresolved issues I am facing with TransUnion regarding inaccuracies in my credit report. On XX/XX/XXXX, I initially contacted TransUnion to dispute the following information, but to date, I have not received a response. 

XXXX XXXX Account ( Account Number : [ Account Number ], Date Opened : XX/XX/XXXX, Balance : {$520.00} ) : The reported balance of {$520.00} is incorrect. I remember the amount to be lower. 
Kindly delete the information regarding the Past Due amount, as the account is closed and charged-off. 
I request that this account be marked as disputed to prevent any adverse effects on my credit score. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00}, Original Creditor : XXXX  ) : This account is not mine, and I request its removal from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00}, Original Creditor : XXXX  ) : This account is not mine, and I request its removal from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00}, Original Creditor : XXXX  ) : This account is not mine, and I request its removal from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00}, Original Creditor : XXXX  ) : This account is not mine, and I request its removal from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$560.00}, Original Creditor : XXXX  ) : This account is not mine, and I request its removal from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$410.00}, Original Creditor : XXXX  ) : This account is not mine, and I request its removal from my credit report.
Consumer complaint received 2023-04-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

General Obligation : Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX, with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via debit card, and through an intermediary named XXXX in the total amount of XXXX USD.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Chime Financial Inc (NY)

After thoroughly reviewing my credit report I noticed company 's reporting on my credit report. On XX/XX/year> I mailed letters to all three credit reporting agencies ( XXXX, XXXX, XXXX ) requesting Validation of several accounts. In response to one account in particular was CHIME-XXXX. They emailed me in response to my XXXX dispute on XX/XX/year>. In the email they have stated " We received the dispute of your XXXX monthly Credit Builder statement, and we'd like to share some information with you. 
The reported information was accurate as of the date it was reported, and we sent a response to the credit bureau ( s ) ''. This is a FAILURE to provide validation and is violation of the federal law that protects me.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (WA)

A statement was generated on XX/XX/XXXX and I had a statement balance of {$5200.00} and payment was due on XX/XX/XXXX. 

By XX/XX/XXXX, and per chase records, I had paid a total of {$5300.00} on the account. However they still charged interest on the following pay date. 

Call center Agent is being incredibly unhelpful and saying I didnt pay enough for reasons which she is not able to articulate. 

She says I was supposed to pay more money than that but nowhere did chase communicate that information to me. My statement balance was {$0.00} multiple days before that bills monthly due date. 

Further, call center is staffed with incompetent people
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MO)

I put in an online transfer for {$6000.00} from my XXXX XXXX XXXX XXXX XXXXXXXX checking account to be deposited into my Wells Fargo checking account. The fraud department froze my account and called me to verify that I made the transfer. I verified it was me who made the transfer. They told me they would unfreeze my account and make the deposit for me. I checked my account the next day, and the money was not there, and there was no pending transfer for {$6000.00} listed. I have called every day and been told that they are processing the transfer and I would have it in one day. It has been a week, and I still do not have it. Every time I call now, they tell me they do not know where the money is and that no transfer is being processed. They refuse to give me my money and refuse to send it back to XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
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. (GA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.
Consumer complaint received 2024-05-31
Product: Credit 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: CITIBANK, N.A. (CA)

What happened? On XX/XX/XXXX, my travel plans were significantly disrupted due to the cancellation of my flights by the airline. The tickets were for a flight that was scheduled for XXXX XXXX The total cost of the XXXX tickets was {$2100.00}. Following the cancellation, I received a partial refund of XXXX for each ticket ( approximately {$650.00} for each ticket ) from the airline, but the remaining balance of $ XXXX ( {$880.00} ) was not refunded. 

I initiated XXXX disputes with Citibank for the remaining {$440.00} ( XXXX case for each ticket ) : Case XXXX Case XXXX Actions Taken : Both disputes were submitted to Citibank around the same time, detailing the same transaction for the same amount. 

Resolution of Case XXXX : Citibank initially resolved XXXX XXXX in my favor, and a credit of {$440.00} was applied to my account. They didn't resolve XXXX, so I sent correspondence to have them resolve it. 

Denial of Case XXXX : On XX/XX/XXXX, I received a letter from Citibank stating that Case XXXX was denied due to the amount of time that had passed. 

Appeal and Follow-up : I requested an appeal and sent multiple follow-up communications to Citibank expressing my concerns about the inconsistency in handling these identical cases. 

Reversal of Credit : After requesting an appeal, Citibank inexplicably reversed the resolution of Case XXXX, removing the {$440.00} credit from my account. This happened after I emailed them on XX/XX/XXXX when I asked them re-review the situation. 

Email Communications : On XX/XX/XXXX, I sent an email to Citibank requesting an evaluation of Case XXXX. 

On XX/XX/XXXX, I sent an email expressing my frustration with the inconsistent handling of my disputes and requesting a review by a supervisor. 

On XX/XX/XXXX, I sent another email demanding immediate resolution and reinstatement of the credit, and escalating the matter to a higher authority. 

On XX/XX/XXXX, I received a letter from Citibank, which included my account statements and an audit worksheet but did not address the core issues or explain the inconsistency in their handling of the disputes. 

Current Situation : Despite my efforts and follow-up, Citibank has not provided a satisfactory resolution. The inconsistent handling of identical disputes has caused significant frustration and inconvenience. 

Requested Resolution : I am seeking the CFPBs assistance in resolving this matter.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX issuer of my Credit Card serviced by the XXXX XXXX, ignored my multiple demands to review the details enumerated in my communications and fix their erroneous misinofrmation.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It's required by FCRA 605B that we remove any incorrect accounts from my credit report. Would you please review the documents? Some of the listed accounts are inaccurate in terms of reporting. I should receive {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2024-04-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SOFI TECHNOLOGIES, INC. (WI)

My SoFi private student loans should also be discharged due to school misconduct, XXXX XXXX. I ended up having to hire a lawyer and settled with monthly payments of $ XXXX for 15 years, totaling {$83000.00}.