davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

On Saturday XX/XX/XXXX my wallet was placed at a secure place near front desk lockers of XXXX XXXX XXXX while I worked out, when I finished working out I noticed the wallet was missing. Someone had taken my wallet and this person used my XXXX XXXX XXXX XXXX ending in XXXX to make a few fraudulent transactions made at online websites : XXXX XXXX ( money transfer service ) XXXX XXXX XXXX ( money transfer service ) and two restaurants apparently online ordered and picked up. Will also ask these places for camera footage.

with a total of {$4700.00} I immediately called these merchants after finding out, and after a few days of investigation they concluded that i was indeed a victim of identity theft and fraud, the person using my debit card used a fake ID, the identification is not even from the USA, it is a fake foreign id with a different date of birth.

They apologized and strongly suggested me to ask my banking institution to initiate a fraud dispute, and once my bank initiated the charge back they would immediately confirm i was a victim of fraud and pay the money back.

This was an error from their security team. therefore the money will not be paid by chime, it will be paid by the merchants.

I filed a dispute as suggested by merchants, but after only 10 HOURS! chime decided to deny my claim and their excuse was no error found, no explanation given.

I called chime and a kind fraud specialist was confused as to why the claim was denied so fast, so she re opened my claim. i then submitted the police report, the fraud affidavit and also, emails sent from the merchants confirming i was victim of fraud.

After the claim was reopened, CHIME DENIED THE CLAIM, once more, no reason given no documents provided.

I called again and a fraud specialist was extemely confused after carefully reviewing my case she said she didnt understand why CHIME never initiated a charge back, thats all they had to do and CHIME never did.
Consumer complaint received 2023-12-04
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)

In accordance with the Fair Credit Reporting Act, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S.C 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Consumer complaint received 2023-07-17
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: TRUIST FINANCIAL CORPORATION (VA)

Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Truist/Suntrust To whom it may concern : Our company has been using Suntrust for our company credit cards for a while, then the company merged with Truist. Earlier this year, we noticed the bank had made updates on their websites requiring Accountants at our company to sign in under the new system update. Ever since it's been horrible trying to make payments at the branch. 

We make monthly payments to ensure the credit cards don't acquire interest charges. In XXXX and XXXX the interest/late fee charges were overlooked so {$730.00} were not paid into our usual monthly payments to Truist. 

We were informed by many at Truist that with our credit card, payments are set up to disburse at the END of the STATEMENT PERIOD. So while our payments are due on the XXXX, they won't be disbursed until the XXXX, when the bank statement closes. 

This poses a problem for businesses such as ours, to not have access to credit cards during our busiest season for five ( 5 ) days. We usually come close to maxing out our credit cards during this season so when we can't even make earlier payments, this is greatly disturbing for our company. 

Our recent problem involves our payments being misapplied, missing, and questionable remedies on our bank accounts that aren't correctly showing what is happening to our payments. 

XX/XX/23, we make a minimum payment of {$300.00} to avoid the late fee. 
XX/XX/23, made the full payment of {$21000.00}. Did not see minimum payment. 
XX/XX/23, reached out to Truist, got the minimum payment recovered and applied to correct account. 
XX/XX/23, made our next monthly payment of {$24000.00}. 
XX/XX/23, made payment of {$28000.00}. Payments were incorrectly disbursed to one credit card ( XXXX ). Spoke to associate, XXXX, and he assisted as best he could to fix our payment. Payment was unapplied from one credit card ( XXXX ) and applied to all other credit cards ( XXXX, XXXX, XXXX, XXXX, XXXX ) except for the one that it was all applied too ( XXXX ). So we could not use credit card XXXX. 
XX/XX/23, reached out to Truist to correct interest charge & late fee from XX/XX/23, via email. Spoke to XXXX XXXX, and he was extraordinarily helpful. XXXX XXXX confirmed our payment was applied to another account, was corrected, and fixed the late fee. This was corrected. 

Our main " control '' account ( XXXX ) continued to have a large balance regardless of payments. Still have no answer from Truist regarding our large balance on the website versus are balance on our bank statements. 

Our company is now at a stand still while we continue to wait for Truist to look into our accounts and verify with us the figures due are in fact correct.
Consumer complaint received 2024-06-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (IN)

Hi My original student loans went into repayment in XXXX. Two years ago, I inquired about loan forgiveness since my loans would be over XXXX XXXX XXXX. In XXXX of that year, AidVantange sent me a letter stating that, in all that time, I had only accrued 10 months of loan forgiveness.

I noticed that the disbursement dates on this letter seemed inaccurate. In that year the US Department of Education was adjusting borrower accounts that fit the following criteria : I was XXXX will conduct a one-time account adjustment to borrower accounts that will count time toward IDR forgiveness, including o any months in which you had time in a repayment status, regardless of the payments made, loan type, or repayment plan ; o XXXX or more months of consecutive forbearance or XXXX or more months of cumulative forbearance toward IDR and PSLF forgiveness ; o months spent in deferment ( with the exception of in-school deferment ) prior to XXXX ; and o any time in repayment prior to consolidation on consolidated loans. 
Any borrower with loans that have accumulated time in repayment of at least XXXX or XXXX years will see automatic forgiveness, even if you are not currently on an IDR plan. 
I was certain my loans fit this XXXX  since my original loans, totaling {$26000.00}, had an outstanding balance of {$58000.00} as of this letter, due mostly to years of interest capitalization while in forbearance. Yet, I never received consideration, even though my loans were over XXXX XXXX XXXX. 
I believe my account was overlooked because the dates of my loans were improperly recorded. AidVantage has recorded the disbursement date for these very old loans as XX/XX/XXXX. These loans were dispersed in XXXX and went into repayment in XXXX of XXXX. 
I went back to school in XXXX and am now attempting to finish my XXXX XXXX XXXX XXXX I had hoped this program would open up enough funds for me to finish, but I never expected to run into this issue. I have done all I can to resolve the situation. Neither the FSA nor AidVantage is doing anything to assist. I was hoping you all could help. 
I have attached a historical record of all my loans, provided by XXXX  ( the loan servicer I had prior to AidVantage ), the Letter I received from AidVantage in XX/XX/XXXX.
Consumer complaint received 2024-06-21
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: Experian Information Solutions Inc. (TX)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Consumer complaint received 2024-08-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

W. F employees opened both personal and business accounts in my name without authorized consent for the purpose of achieving there internal Wells Fargo Bonuses. Thereby, destroying both my personal and business credit status.This resulted in the lowering of my XXXX XXXX credit rating to a standard that know longer allowed me to get credit for my business and resulting in the failure of my three XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am reaching out to address a critical matter concerning XXXX 's inaccurate reporting on my consumer report, disseminated by XXXX, Transunion, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations. I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of Charge Offs across all three credit reporting agencies by XXXX is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " 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. '' The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. It has damaged my livelihood. In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 
Thank you for your time and consideration.
Consumer complaint received 2023-10-29
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: EQUIFAX, INC. (TN)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  TN XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-08-05
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX INT : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2023-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (GA)

I opened my account with Citibank less than 4 days ago and I have not been able to use the funds I deposited. I wanted to know why I cant even view my debit card number or even send a XXXX payment. I was told that my account was placed on a fraud hold. When I asked why I was told the reason is in a letter which will be sent to my address which I am currently not there because its the holidays. The said letter takes more than a week to arrive. Meanwhile I am still not able to access my funds until that letter is received. I have asked to close my account, transfer my funds, and all Ive been told was that I have to wait more than a week for that letter to arrive. I wouldnt even get a reason for the fraud hold all I was told was that that letter includes the reason and that I need to call back. I have never had this experience with any bank, ever, I am having my funds withheld from me for no apparent reason. No one I have talked to can give me a reason as to why my account is being restricted.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-11-08
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. (MI)

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. 

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 has violated my rights. 

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 2023-12-18
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. (CA)

I have disputed the inquiries multiple times with Transunion. Transunion investigated the inquiries and never received confirmation from the creditor. Transunion says, " Since they did not hear back from the creditor if they should be deleted, they will just leave them on my credit report because they never heard back from the Creditor. 
The person I spoke with is : XXXX XXXX XXXX XXXX : file # XXXX. Date : XX/XX/2023 XXXX XXXX.