davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
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. (MO)

I hope this message finds you well. I am writing to follow up on our ongoing efforts to remove the inquiry from my credit report. Despite our previous attempts, I regret to inform you that the inquiry still persists on my record. 

I kindly request that you prioritize the investigation and removal of this inquiry from my credit report, ensuring that all necessary steps are taken to correct this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

I understand that resolving such issues may take time, but I urge you to handle this matter with the urgency and attention it deserves. Your assistance in rectifying this discrepancy is crucial to ensuring the accuracy and integrity of my credit information. With this, I am asking for your assistance to remove this inquiry in my credit file : XXXX XX/XX/year>.
Consumer complaint received 2024-04-29
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: EQUIFAX, INC. (PA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please, I have reviewed fraudulent accounts that are affecting my credit, XXXX XXXX already paid it and it is still on my report, the other XXXX XXXX paid {$900.00} a month ago and instead of eliminating that debt, now they want me to pay {$900.00} plus extras and they won't let me know. It seems fair because that is already fraud so please delete that fraudulent history. Since these bad reports, which I already paid, and they want to charge me more money, are affecting me for new and future credits.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX - I opened a business account with Chase Bank for my partner and I. They sent us each a card, which we activated and started using. They charged us the {$450.00} annual fee on the first statement, which we paid. We paid our card in full every month thereafter. 

XXXX, XXXX - while out of the country my partner and I tried to use the Chase credit cards and they were declined. I called Chase to learn that they can closed our account and deactivated both cards. They had apparently snail-mailed my partner while we were out of the country with a request for her to again verify her address at our joint home. They gave her a XXXX week deadline that expired while we were out of the country. So they closed our account and deactivated our cards. After spending XXXX hours on the phone with their representatives she uploaded the info they asked for while we were on this trip in hopes of having the cards reactivated. 

XXXX, XXXX - we returned from our trip, spent hours on the phone with Chase attempting to resolve this issue. We each uploaded proof of address in attempts of them re opening the account. We were told that we would get a call from the representative if they needed anything futher to re open the account. Nothing happened. 

XXXX, XXXX - I called and talked to a manager, so I was told. I told them that after wasting XXXX hours of my life trying to get this account reopened, I no longer want to do business with an organization that has no care for their clients, and asked for my {$450.00} annual fee back as I would no longer get to use the benefits of this card, which is the only reason I signed up for it in the first place. 

XX/XX/XXXX - I am just off the phone with another manager at Chase who is telling me that " they '' refused to refund the {$450.00}, and that she would fill out a petition for me.

Any institution that will simply close the account of a client in good standing without calling, texting or emailing is clearly not in the business of building relationships. I have actual relationships with a few other financial institutions that would never disregard their clients experience like this. I not only want a {$450.00} refund for the annual fee that I paid to Chase but I want a written apology for the horrendous disregard of my experience with their bank practices.
Consumer complaint received 2024-04-29
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: EQUIFAX, INC. (NY)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-22
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Reliant Capital Solutions, LLC (FL)

I received notification from all my credit bureaus that collection agency Reliant Capital Solution added an account to all my credit reports. This collection agency never contacted me in any form or fashion so that I could dispute and prevent this account from being added to my credit files. This account with XXXX XXXX XXXX XXXX XXXX XXXX was removed years ago because this was not a validated debt that I owed. Therefore, it would have not been applied to my credit files because it is not my debit. I would appreciate this collection agency is contacted and advised to remove from my credit files that they are currently reporting to as of XX/XX/XXXX it was added. It was opened XX/XX/XXXX for the amount of XXXX and they had plenty of time to contact me regarding this account. This company violated by rights and this debt needs to be removed as soon as possible.
Consumer complaint received 2024-04-29
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. (NY)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-29
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)

on XXXX | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.|
Consumer complaint received 2023-09-16
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: Credence Resource Management, LLC (CA)

I contacted each company and requested under USAC 1681c2 to stop sharing my information due to identify their. I never had an account with any of these company nor did I authorize my credit to be pull and used. I kindly ask for items to be removed due to information mismanagement I filed a report with FTC already along with credit companies.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY (AL)

In XXXX I made a cash advance on my Wells Fargo card. I then made a payment to cover cash advance. I was told I had to pay minimum payment and anything after that would go towards higher interest rate. I made a payment of {$2600.00}. They refunded {$2500.00}. I then made another payment, it was applied to lower interest rate. I filed a complaint with WF and they said that this would be corrected, it has yet to be corrected. I have tried to rectify this Wells Fargo every month with no resolution. 
I told them I wanted to record conversations as they did and they would not allow, said private information was being discussed ... .I have told them on several occasions I understood why they do not allow recording by the consumer because no 2 people ( out of approximately 10-12 ) that I have spoken to have given me the same answer why this was happening.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NAVY FEDERAL CREDIT UNION (GA)

Report Number : XXXX Date Ready : XX/XX/XXXX Source : XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX NAVY FEDERAL CR UNION ACCOUNT # XXXX NAVY FEDERAL CR UNION ACCOUNT # XXXX These accounts are Chargeoffs, they have no scheduled due dates. Why are they being reported late every month? I demand that these accounts be deleted from my account Also These Organizations have CHARGED OFF these accounts. 
WHERE ARE MY 1099s RELATED TO THESE CHARGE OFFS?
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (AZ)

With chime bank. Couple years ago I had opened an account that I never used and forgot about it. I think it was in XXXX opened another account for direct deposit of social security. They said closed my account over that. Would send me a paper check in 30 days. This was more than 60 days ago. They requested documents I sent what they asked even though was sending same thing over again. After 60 days I asked where was paper check they were going to send me and they want send stuff again. I did then they want send it again. This was all done and over 60 days ago. I just wanted to know where is my check. Not start the whole. Mess over again. I did see I am not alone in getting foul treatment from them. Now they are claiming new issue with my deposit being suspicious. Was direct deposit social security and one time direct deposit from unemployment I had a dispute with and came as one time deposit XXXX XXXX XXXX XXXX years after I made my claim. Everything I was entitled to. They now want documents showing where deposits came from. I don't have it was done online
Consumer complaint received 2024-04-29
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 am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-04-29
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. (NY)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (AZ)

XXXX XXXX, received a call from the chime support number ( XXXX ) at XXXX on XX/XX/XXXX, claiming that my bank account could be at risk of fraudulent activity. Obviously I began to be worried and went through the process to ensure that it wouldnt happen accordingly to the chime support employees requests such as changing my pin and putting a block on any future transactions. After this call disconnected is when un authorized transactions began to be made in XXXX, az at XXXX XXXX XXXX XXXX XXXX. 4 charges of {$100.00} ( total amount {$400.00} ) between XXXX XXXX XXXX on XX/XX/XXXX. I immediately called my bank chime support using the support number they provide ( XXXX ). They claim that the original support employee I spoke with about risk of fraud activities was an impersonator/ the person that committed fraudulent transactions to my account as they insist they do not make calls out to their members. I had no reason at the time to believe otherwise as they were using the same exact phone number of chime financial support, they had all my information prepared without me sharing it such as my name, phone number, digits on debit card, and the total amount I had in my checking account. I had not lost my physical debit card nor had I provided any personal information to anyone directly or online. I have now spent several hours and several sleepless days contacting chime support to investigate these transactions and they have denied my dispute and request for further investigation 4 times now. Chime support claims that there was no error in the 4 transactions that were made of {$100.00} at XXXX XXXX. Even though I called immediately and told them of this situation. I have now opened and reopened my dispute four times with additional documentation to prove that I did not make these transactions, that I was at home in XXXX, AZ. I have lost hope that they will approve my dispute to further investigate this matter. I have now began to rely on other sources that I have reached out to such as, XXXX XXXX, the federal trade commission, the federal credit bureau of investigations, XXXX XXXX XXXX on XXXX XXXX, and the XXXX police fraud department. I have also reached out the merchant XXXX XXXX place directory and XXXX ( XXXX XXXX XXXX XXXX  ). They are limited in information they are able to provide and insist that I allow my bank to handle this matter. however as I said, my bank chime support has denied my dispute to further investigations. I am at a loss of {$400.00}, I am losing sleep over this, I am gaining only stress and a a headache hoping that some one may care that my privacy and checking account has been violated. I am very dissatisfied and disappointed in the progress that has been made so far to retrieve my funds back to me.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my initial compalint. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days.The initial thirty days for this dispute to be handled is passed. I have records showing my contact with you. I am requesting that my dispute is handled immediately and that the inaccurate item from my original request be updated. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I have reached out to all the credit bureaus on XX/XX/2023 in regards to unauthorized and invalid accounts, inquiries, and personal information that have been reported on my account due to identity theft. I attached all my supporting documents and even reached out to the creditors. The creditors were no help and couldn't even find my account which is upsurd. No one has followed the law throughout this process, I requested the steps on how these fraud items were investigated and no one has done so, As a consumer I know my rights. Per 15 usc 1681b this is against the law and i need all the items removed immediately or else I would be forced to take legal action. I will give the companies one more have to resolve this matter THE RIGHT WAY!
Consumer complaint received 2024-04-29
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: EQUIFAX, INC. (NC)

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX 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 Balance Owed : {$3500.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX  XXXX Balance Owed : {$0.00} DPT EDXXXX XXXXXXXX  Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$16000.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX  XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$9500.00}
Consumer complaint received 2024-04-29
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)

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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (OH)

I have been on autopay with this account since I opened the account. Which was working fine for years. The last payment that was cleared was on XX/XX/2024 for XXXX dollars. .Then for some reason the XXXX payment on XX/XX/XXXX for XXXX dollars is returned. I received an e-mail in XXXX stating my payment is late. I called on XX/XX/XXXX and provided my banking information again and made a payment of XXXX dollars. My bank XXXX XXXX claims they have no record of that payment request, Elan financial services claims there was astop on the payment, and they reported to the credit bureau that payment is late but did not inform me that this payment is not made. Elan financial services claims the payment is stopped by XXXX XXXX XXXX XXXXXXXX has no record of any payment request. In the mean time I am charged return fees and my credit report has now a late payment, which I had perfect record so far. I think it was a mistake in the system or nework or something which was not my fault and now I am being punished for it
Consumer complaint received 2023-12-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (TN)

I am a customer with Navy Federal Credit Union. My fianc and I applied for a home loan in XXXX of 2022. I got an email showing where our application was moving ahead and we were assigned a Home Loan Advisor. We were required to show proof of income etc. Time went on we reached out to our loan advisor who then stated we were denied for being a less than ten points away from having the combined credit score of XXXX. This hard pull affected our credit score tremendously. Our credit scores dropped XXXX points. The score decrease would have been worth it if we were approved like the documentation we were received conveyed. Being assigned a Home Loan Advisor is misleading. You would think you are approved without having an approval letter in hand. I have all the emails that were sent pertaining to our loan application. This has been the worst experience of our life. We have struggled immensely to get our credit scores back to where they were before this hard credit pull.