davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (SC)

On Monday, XX/XX/XXXX I withdrew {$40.00} from an ATM but the ATM charged me {$140.00}. I called the number on the ATM machine ( XXXX ) to let them know. They wrote up a case number ( XXXX ) and told me to contact my bank ( Chime ). I contacted Chime and they said they would refund the {$100.00}. I didn't receive the funds so I called Chime back on Friday, XX/XX/XXXX. I XXXX the number and the number that came up was XXXX. They answered with using the name Chime and stated their name as XXXX XXXX. I told them why I was calling and they walked me through several prompts and all of a sudden all of my money was taken from my account and the guy said I would have it all returned within two hours and he hung up. I later spoke with a family member and they said it sounds like I was scammed even though I called the number that XXXX had listed for Chime and the phone was answered as Chime. I then called the number on back of my Chime card to explain the situation to them. They said they would investigate. they replied in less than 24 hours and said that they had investigated and found no error occurred. I don't understand how they could have completed their investigation in less than 24 hours and say that they will not refund the {$100.00} that I was charged for by the ATM but did not receive or they would not refund the money that the scammer posing to be Chime took from me when I called the number listed on XXXX as Chime. I am pretty sure that Chime is FDIC insured and don't understand how they can not return my money. I went on XXXX and found someone else had posted on XXXX  that a similar thing happened to them. I am a XXXX XXXX veteran and XXXX XXXX XXXX that lives off of my XXXX so any help you can give will be very much appreciated.
Consumer complaint received 2023-06-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

In XXXX, I was coerced to wire transfer money from my Chase Business account to help another business with a promise that once the project was finished, I would receive my money with interest, It was a scam, I contacted Chase and filed a complaint and also went to a local bank. I was advised that Chase had an ongoing investigation to help me recover my money. {$5500.00} and {$20000.00}. 
I have not received any funds back into my account and it is closed. 
I have filed a complaint against the business and the Federal Trade Commission was made aware but I would like to complain about Chase bank lack of concern in recovering my funds. As quickly as they were to release my funds, they should have helped me to recover. I rely on XXXX XXXX and long-term XXXX.
Consumer complaint received 2024-07-09
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. (PA)

I requested again the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account : XXXX XXXX XXXX : {$22000.00}
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (GA)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items that resulted due to Identity Theft. Please find the required documents to assist in the removing of the erroneous items which are being posted to my report. Here are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to regarding the persistent presence of fraudulent items on my credit file despite my numerous attempts to have them removed. Despite several efforts and the submission of substantial documentation to support my claims, these fraudulent items continue to negatively impact my financial standing and credibility. The ongoing presence of these inaccuracies is not only frustrating but also detrimental to my financial well-being. It is imperative that immediate action is taken to rectify this situation. I expect a comprehensive investigation into why these fraudulent items persist on my credit report despite multiple requests for their removal. Furthermore, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the presence of these fraudulent items on my credit report. They have significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities necessary for my financial stability. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Texas Tenant Law states that if a tenant is a victim of XXXX XXXX and the XXXX  is also on the lease then the victim can move without any notification to anyone. Also i am not held responsible for any of the remaining balances. Ive attached a copy of the police report as well as the tenant laws for your records.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ). By law the consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses they are not my addresses ; I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Despite many assurances that the matter would be resolved, the negative items remain on my credit report, causing significant stress and financial inconvenience. The persistent presence of these inaccuracies is unacceptable. They misrepresent my financial history, hinder my access to credit opportunities, and cause ongoing distress. It is imperative that this issue be escalated within your organization to ensure a thorough and expedited resolution.

I require the following actions to be taken immediately : 1. Immediate Removal of Negative Items : Ensure that all disputed negative items are expunged from my credit report without further delay.

Thorough Investigation : Conduct a comprehensive review to identify and address the root cause of these inaccuracies, implementing robust measures to prevent future occurrences.

2. Regular Updates : Provide timely and transparent updates regarding the progress of the investigation and the corrective actions being undertaken. Failure to resolve this issue promptly will leave me with no choice but to seek assistance from regulatory authorities and other relevant bodies to ensure compliance and protection of my consumer rights. Please help me remove these items immediately : 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 2023-09-15
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

A fraudulent charged occurred on one of my Venture XXXX credit cards with Capital One, specifically my minor daughter 's credit card. 

On Saturday, XX/XX/, my daughter and I were shopping at the XXXX XXXX in XXXX, TX when a charge was made which was not authorized by my daughter or myself. According to Capital One records, the charge was made at XXXX XXXX for {$180.00} on my daughters card ( ending in XXXX ). 

I immediately contacted Capital One the following Monday, XX/XX/XXXX to dispute this charge. The representative informed me that they would temporarily credit my account until further review was made. They also canceled my daughters card and reissued a new card. 

Today, I saw that Capital One reversed the credit so I contacted the fraud department to follow up. I spoke with two fraud supervisors and a manager and they all claim that the fraudulent review confirmed that the charge was made by my daughters card. They also claimed that the chip technology confirms that the charge was made. 

I am confirming that we did NOT make this charge. We were shopping at the XXXX XXXX and the XXXX XXXX in question is over a mile away. The authorized charges made on that day by my daughters card were from XXXX XXXX for {$6.00} made at XXXXXXXX XXXX CST and a charge was made at XXXX XXXX  for {$5.00} at XXXX XXXX  CST. 

According to the manager in the fraud department I spoke with today, the XXXX XXXX charge in question was also made at XXXX XXXX  CST, the same EXACT time the XXXX XXXX charge was made when we were at the mall. 

He claims that the credit card was also physically used at XXXX XXXX via contactless payment. How is this possible when the card was physically being used at XXXX XXXX  at the same exact time? Even the fraud manager was perplexed. We could not have been at two different places at the same time. 

I am appalled by how Capital One is treating me. I have been a longstanding customer with them yet they are not protecting my best interest.
Consumer complaint received 2023-08-25
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-08-25
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)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance :- XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$970.00} 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
Consumer complaint received 2023-09-15
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CA)

In accordance with the fair credit reporting act Comenity Bank/Express acct XXXX XXXX has violated my rights on XXXX XXXX  1

5 USC 1681 Section 602 states I have the right to privacy. 15USC 1981 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (GA)

MOHELA/DEPT OF ED XXXX XXXX XXXX XXXX, MO XXXX XXXX Violated the PRIVACY ACT OF 1974 AND THE FAMILY EDUCATION PROTECTION ACT by providing my non public personal information to XXXX XXXX AND XXXX and I'm sure multiple others that I have not tracked down yet. They stated that they would not provide any of my personal transaction history with any non affiliates or third-party companies. All of the credit agencies are non affiliates of mohela/Dept of education.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (UT)

On XX/XX/XXXX at XXXX ( MST ) I received a phone call from Truist stating that the account was past due. I informed the representative that I had paid my mortgage for XXXX. After some discussion he realized that I had made the payment in full. He stated that he would place a request to have the money applied properly. The following day the money was applied the way in which I intended ( towards the payment ). I then initiated a dispute with the credit bureau. This dispute affirmed that my payment was late. I would like the folks at Truist to properly apply the payments I make and to erase the late mark on credit. I have never missed a payment to them even when it was BBT.
Consumer complaint received 2024-05-20
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: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance : {$67.00} XXXX XXXX  XXXX Balance : {$0.00} CAPITAL XXXX XXXX Balance : {$210.00} XXXX XXXX  XXXX Balance : {$72000.00} XXXX XXXX XXXXXXXX Balance : {$61000.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$67.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$72000.00} XXXX XXXX XXXX Balance : {$61000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-06
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: EQUIFAX, INC. (IL)

To whom is concerned I have called Equifax several times about simply removing these addresses that are incorrect, inaccurate, and irrelevant to my current situation. I still see these inaccuracies in my report. Please help! 

I have DEMANDED THEM TO REMOVED FROM MY CREDIT REPORT IMMEDIATELY!!! 

XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Employment information. This is inaccurate, outdated, private personal information, I DEMAND THEY BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

15 U.S. Code 1681a defines a consumer report as any communication by a consumer reporting agency about a consumers creditworthiness, credit standing, or other relevant factors. 

Thank you XXXX XXXX { Documents included }