davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MS)

I am writing to file a formal complaint against Chime Financial , Inc. regarding an unauthorized withdrawal from my account and a scam attempt perpetrated by someone claiming to be a representative of the bank. I am deeply disturbed by the lack of action taken by Chime to resolve these issues promptly and the subsequent denial to reimburse the unauthorized funds. 

On XX/XX/XXXX, a sum of {$350.00} was debited from my account without my knowledge or consent. I have thoroughly reviewed my account activity and can confirm that I did not authorize this transaction. As a responsible account holder, I promptly reported this incident to Chimes customer service department in order to initiate an investigation and request reimbursement for the unauthorized withdrawal. 

To compound matters, on XX/XX/XXXX, I received a call from Chimes official phone number. The individual on the line identified themselves as a Chime representative and attempted to obtain my personal and sensitive information under the guise of verifying my account due to unauthorized charges in another state. I was also sent a text message and email from this Chime scammer demanding a XXXX digit code. Fortunately, I recognized the red flags and refused to provide any information. However, this incident shows the lack of security and integrity of Chimes customer service practices. 

Despite my immediate response to report both incidents, Chime still denied my requests for reimbursement. Chime debit cards are protected by the XXXX XXXX Liability Policy to ensure that cardholders will not be responsible for unauthorized charges. I would like to emphasize that as a customer, I expect my bank to uphold its duty to protect my account from unauthorized access and fraudulent activities. 

I demand complete reimbursement of these unauthorized charges immediately. Additionally, I insist on receiving a detailed explanation as to why my reimbursement requests were previously denied, as well as any evidence or documentation supporting your decision.

Chime Financial , Inc. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-12-07
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 am writing to file a formal complaint against Equifax for their violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ). Despite my previous attempts to rectify inaccuracies on my credit report, Equifax has declared that the information provided is complete and accurate, which contradicts the facts. 

I previously communicated with Equifax regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have outlined discrepancies in the open date, date of last activity, and other critical details associated with these accounts. Despite my concerns and clear evidence of inaccuracies, Equifax has failed to conduct a reasonable reinvestigation, as mandated by 15 USC 1681i ( 5 ). This situation is exacerbated by the fact that 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies.

According to my rights under the FCRA, I request the Consumer Financial Protection Bureau 's intervention to ensure Equifax complies with the law. Specifically, I am seeking : A thorough and accurate reinvestigation of the accounts mentioned above. 
The necessary modifications to correct the inaccurate information on my credit report. 
Enclosed with this complaint are supporting documents, including evidence of the inaccuracies and copies of my correspondence with Equifax. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation. 

Thank you for your assistance.
Consumer complaint received 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (MD)

Previously took out a loan and lost my job. I wasn't able to pay the remaining amount due to that I was told at the beginning of my loan that if anything was to happen as such I would be covered through the insurance I signed up for. One main financial took me to collections
Consumer complaint received 2023-12-07
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. (IL)

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 
Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-07
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. (PA)

Equifax, XXXX, and XXXX are in violation of consumer law code 15 USC 1681 B Permissible Purpose. I did not authorize the inquiries below, nor did I give written consent for these inquiries to be reported. I demand these fraudulent inquiries be removed immediately. Additionally, I demand that Equifax, XXXX, and XXXX provide proof of my written signature stating that I authorized these transactions. If such documentation isn't provided I demand that the inquiries be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-23
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. (NC)

My ex wife opened a credit card in my name without my knowledge and has been using it for the last 20 years. I just found out and contacting the credit card company to no avail. They will have NO authorization from me on file to have opened this credit card because I didnt do it. I need it removed from my credit report.
Consumer complaint received 2023-11-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (FL)

I signed up for the SAVE plan when the announcement about it first was sent out. I received confirmation that my application was received on XX/XX/2023. My API is only XXXX  XXXX, so under the SAVE plan, I should be making {$0.00} payments on my loans. 

On XX/XX/2023, I received an e-mail from Aidvantage saying that my next payment due was {$330.00}. When I contacted Aidvantage, they told me that the SAVE plan wasn't processed because I had to first exit out of my IBR plan before the SAVE plan would go into effect. This was never communicated to me throughout the entire month of XXXX. 

The person I contacted then said that my only option was to exit out of the IBR plan I was currently on, and that I would have to a final monthly payment or go into forbearance with a {$5.00} fee. I accepted this, they took my money, and I thought everything was done. I received an e-mail on XX/XX/2023 that said my forbearance had posted. 

On XX/XX/XXXX, I received another e-mail saying that I still owed {$330.00}. I contacted the processor again, and they said that they would walk me through reapplying for the SAVE program, because they believed I had somehow done things wrong. They said if I applied over the phone with them, it should post properly. 

On XX/XX/XXXX, I received an e-mail saying that I owed {$330.00} for the month of XXXX. This is after XXXX times of trying to get onto the new SAVE program.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (CA)

Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023. 
I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. 

I filed the identity theft case with FTC ( XXXX ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

Along with XXXX XXXX and XXXX XXXX XXXX, XXXX more financial companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023 
The hard inquiries submitted onXX/XX/2023 are all fraudulent which I do not recognize. 

I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry but some of companies are not reachable.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 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 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY ()

Sometime in XXXX someone applied for an American express card with my name and address they did not have the correct date of birth or employer XXXX I received in my mail and american express XXXX XXXX with XXXX limit! they did not check any of the info before initiating I got the card in my mail before they did I have become a victim of identity theft. I don't know how they get my mail. I live in an apartment, I have the only key to the mailbox. They are either getting into the box or someone through postal service is intercepting my mail. 

They also applied to XXXX XXXX and got a card. I only found out because the bank later sent me the letter with the pin and I got it first. They also applied for my husband and another woman probably fake name. My husband got the notice to come pick up the card. Filed a fraud complaint. 

They intercepted my XXXX XXXX card that was sent to me and used it up to XXXX $ this XX/XX/XXXX different locations. In person purchases. 

So far all cards are now cancelled. 

I am just wondering how they can send out a card without checking the accuracy of the information I have filed with local police but they are swamped with similar complaints
Consumer complaint received 2023-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I made multiple payments towards the principal of my Wells Fargo loan account and I didn't see a significant difference in the loan amount. My escrow account has more than doubled. I asked for the account to be closed however, I have been getting the run around with Wells Fargo Mortgage representatives. I keep being told that the request was being placed in the computer has we spoke to later call and was told there was no request placed in the system. I'm asking an investigation into my complaint.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (GA)

I am in the process of trying to buy a home and when the mortgage broker pulled my credit and we seen that there are damages on my report and according to 15 U.S.C 1681 there should not be damages reporting on my report that is a defamation to my character. According to the ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission.
Consumer complaint received 2023-12-07
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)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit dossier. Would you mind verifying the paperwork? Several of the enumerated accounts exhibit inaccuracies in reporting, such as erroneous amounts and dates.
Consumer complaint received 2023-12-19
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. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-07
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)

This is a DEMAND TO COMPLY LETTER with written instruction as it relates to me, the consumer, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act, it has been established by Congress that your agency 's role is to adopt reasonable procedures to ensure fairness, impartiality, and a respect for my right to privacy for maximum possible accuracy. 
Under 15 U.S. Code 1681e et seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions. There has been a violation of these reasonable procedures because, as I have shown within my attachments, there has been inaccurate and unverifiable information removed from another consumer reporting agency but has not been removed from your system. 
You should be aware that your failure to maintain reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to the Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241. 
Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, to follow your fiduciary responsibility to me and remove/delete the following information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act. 
However, this account is reported with your agency. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain maximum possible accuracy. This is a violation and failure to maintain your reasonable procedures for maximum possible accuracy and is false and misleading reporting. 
I demand this account to be removed from my consumer report by your consumer reporting agency for the federal law violation of failure to maintain your reasonable procedures for maximum possible accuracy and violation for failing to promptly delete that item of information as required for treatment of inaccurate or unverifiable information pursuant to 15 U.S. Code 1681i ( 5 ) ( A ). 

Account name : XXXXXXXX XXXX opened on XXXX with a balance of {$3000.00} Remove this account UNDER PENALTY OF PERJURY. Delete this account for violation of 15 U.S. Code 1681e, failure to maintain reasonable procedures, 15 U.S. Code 1681b ( e ) ( 6 ), FDCPA Violation of 15 U.S. Code 1692e False and Misleading reporting, Violation of 15 U.S.

Code 1681i ( 5 ) ( A ). Deprivation of Rights 18 U.S. Code 241.

I am demanding my remedy for your willful noncompliance for each violation of law.
Consumer complaint received 2024-04-09
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)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-04-09
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. (NC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Every two weeks my husband deposits his paycheck using mobile banking. This past Friday, XX/XX/XXXX he deposited his check but accidentally entered {$2300.00} when his check was {$2600.00}. Bank of America is holding his funds for 2 full weeks and customer support refuses to help or escalate. They specifically state they are not trained to release the funds and their manager is not trained to release the funds. He even went into the branch and they told him to call BOA support. We have a history of depositing this almost identical check every two weeks for 3 years! We may miss our mortgage payment due to this extended hold! We are unable to get any information of help!