davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (NV)

Chime Bank agents engaged in unauthorized activity with my debit card, made false reports on my accounts and caused my debit card to be shut down. They refused to fix the problem WHILE knowing i did not reside at the same apartment. I had just left and am currently homeless. They knew this and still refused to turn my card on at least not They then sent a replacement card to a place I do not reside and knew this. They were well aware of my homeless status and did nothing to resolve the issue. I now have now way to receive my direct deposit. 

Chimes agents have shown extreme incompetence when dealing with financial services. They do not investigate and there is recorded proof of each call of these agents not opening investigation documents u til i tell them to. They are unaware of the issue at hand until I force them to read the evidence I provided. 

At no point did Chime mention canceling my card and sending a replacement in any of there responses to me. In fact they never confirmed the dispute, they never finished the investigation.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (TX)

Unethical business practices - I opened an account with XXXX security. Rather than pay for the equipment upfront, I chose to finance with them. I had no choice but to go through Fortiva which financed equipment in that area of Texas. I did not want Fortiva because I had never heard of them. Then, I get a report from the credit bureaus that I had a new account opened. Further, that my credit score dropped over XXXX points. I call and find out that they converted my RETAIL ACCOUNT to a CREDIT CARD. I told them that I DID NOT APPROVE this. I was told they emailed me a notice that I had to " opt-out '' if I didn't want to convert. I NEVER received it. Further, I confirmed that they had the wrong email address. The account was setup with XXXX. XXXX had the correct email and had the correct email since I opened the account. So, someone with Fortiva keyed it in incorrectly. Therefore, I never received this notice to " opt-out ''. I asked them to convert my account back and remove that new account inquiry from the credit bureau, they refused. It is unethical to send an email like that. The appropriate thing to do would be to require an " OPT IN ''. They want to email you so they can have it go to spam and you miss it. They should have mailed a letter or called as well, NOT EMAIL! 
They have added their awful credit card to my credit history, and it has created a MAJOR PROBLEM WITH MY CREDIT AND CURRENT BANK. They still refuse to admit their business practices are deceptive and unethical. This is a second-rate, basement, bottom of the barrel firm, deceptive business practices, and they do NOT care about customers. In addition, I also issued them a cease-and-desist letter to stop all the harassing phone calls about the collection of payment now on this now credit card, that I never asked for. They have violated this request multiple times even after confirming receipt of the letter. they continue to call me every day and leave voicemails with an intent to harass me. This is a clear violation of FDCPA Regulations. Please assist with having this credit card reporting converted back and removed from my credit report. I would also like the FDCPA violation addressed as well.
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (FL)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial XXXX. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-11-11
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. (CT)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (GA)

FreeMsg : Verify Wells Fargo activity. Card XXXX {$1300.00} @ XXXX XXXX XXXX {$27.00} @ XXXX XXXX Reply Y if recognized, or call XXXX. STOP to stop msgs This text message was received today, XX/XX/XXXX at XXXX XXXX ET. This is not mine. I have never had a credit card with Wells Fargo. My deceased mother had a Visa with them but that account number ended in XXXX. Spoke with Wells Fargo today who confirmed my moms account is closed and listed as deceased and that hers is the only account associated with my cell phone. I spike with XXXX in their collections department. 

Several months ago I received voice messages from Wells Fargo where someone was attempting to open a mortgage in my name. I reached out and advise I had not make any credit applications with them and ask them to show that application as fraud. They assured they would but a month or so later I received another voice message. I called again and was assured again they would close that application as fraud. 

Ive since added security freezes to all 3 credit bureaus as another company, a bank, had pulled my XXXX XXXX, I believe, credit file for a mortgage application. I contacted the company and they supposedly reflected it as fraud and the credit union removed the inquiry once I contacted them. 

Someone withdrew almost {$1000.00} from my XXXX XXXX XXXX money market account with XXXX and some other companies. After disputing as fraud, the credit union replaced all monies and closed the account. 

Someone has stolen my identity and attempting to open accounts in my name and somehow has access to my accounts. 

Help
Consumer complaint received 2018-12-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

This complaint is in reference to a former CFBP complaint I submitted that is now closed without resolution : XXXX. The company did not resolve my issue and in my response to their response for the previous complaint, there was no option to upload additional documentation to dispute the company 's reason for denying my complaint. 

The company referenced only a 12 month option provided by XXXX, when I have provided documentation that I was on a 24 month spread out plan. The letter they referenced for the 12 months is a general automated letter that I receive after each escrow evaluation from XXXX. In this case, I have always called in and requested it be spread out by XXXX over 24 months. See attached which shows a general letter mailed to me with the 12 month option, then a follow up letter showing the 24 month granted by XXXX. Prior to the transfer, I had already asked XXXX ( in response to the general 12 month option ) to spread it out again over 24 months. They agreed and submitted the request as usual. Unfortunately, before the process was completed again, XXXX XXXX assumed XXXX XXXX accounts before the 24 months was extended for this new term. XXXX XXXX needs to reference the documentation I have attached to this complaint showing my history with XXXX of payments being spread over 24 months in response to the 12 month initial offer. As a consumer, I have the right to the same processes as XXXX allowed me, not new rules with a percentage that XXXX XXXX has that is obviously different that what I have been allowed with my previous lender. I will continue to fight for my right to have 24 month spread out as I was with XXXX even if I have to take this to court and present proof of this. I am not willing to refinance. I want the same option I had before coming to XXXX XXXX. I am just now getting caught up with my finances after this new home purchase and can not afford this new rule XXXX XXXX has that XXXX didn't have.
Consumer complaint received 2022-12-12
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct these items right away! 
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 XXXXXX/XX/XXXX
Consumer complaint received 2022-12-12
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. (NJ)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct these items right away! 
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
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I get these " warnings '' quite often : XX/XX/XXXX Dear Customer, Your Accounts at Chase has been disabled due to attempted failed login.

Due to security reasons, we have disabled your accounts at Chase.

Follow the link to recover your account and prevent further disabling of your card and protect your account Recover Your Account If we determine the transaction ( s ) was/were authorized or correct. We will reverse the funds from your account and notify you.

Your Personal Details is protected by advanced online technology. For more, you can review our online privacy policy. 

Thank you Sincerely, Chase Customer Care Chase Privacy Operations, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX Chase Online and Chase Mobile are registered trademarks of JPMorgan Chase & Co . 

XXXX JPMorgan Chase & Co .
Consumer complaint received 2024-01-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENOVA INTERNATIONAL, INC. (WI)

Multiple fraudulent loans opened with my information upon being overseas with my significant other. Accounts opened from the hired caregiver for our children as we were away for some time. Payments were made up until our return and the caregiver no longer getting paid from us. Caregiver has since been found guilty and prosecuted for fraudulent acts. One loan remains as the rest were all handed rather quickly and removed from my credit reports. The company of Netcredit continues to be a large problem. After myself and significant other have spoken to numerous agents from Netcredit, being told every single time to await for a supervisor to contact, the supervisor never once has contacted either of us to discuss this matter and remove it from my information being used for a fraudulent loan. The individual who had done this is behind bars, yet I am still liable for our caregiver breaking laws. This is not acceptable by any means. This has absolutely wrecked havoc on my credit score, and continues to do so. I have sent all documentation to prove this has occurred, yet I am still receiving numerous notifications stating I must pay for this loan which is not even mine. This has been on going now for well over one year and quite frankly, we are unable to handle this anymore on our own as the other lenders were working along with us. Netcredit is not doing this and the lack of communication is horrendous.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

To Whom It May Concern, I am writing to formally request the immediate blocking of certain information on my credit report, specifically related to a fraudulent XXXX XXXX  account that was opened in my name without my consent. I am not submitting this request as a dispute but rather as a demand for action in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B. 
Under Section 605B of the FCRA, I have the right to request that a consumer reporting agency, such as Equifax, block information from my credit file that is a result of identity theft. I am providing the necessary documentation to facilitate this process and kindly ask that you take the appropriate steps to promptly block the fraudulent information from my credit report. The FCRA also stipulates that this process should be completed within four business days of receiving all required documentation. 
Enclosed with this letter are the following documents : 1. A copy of the original police report detailing the identity theft incident, with reference number [ XXXX ]. 
2. A completed identity theft affidavit, as required by the Federal Trade Commission ( FTC ). 
3. Drivers license, as per Equifax 's requirements. 
I understand the importance of your role in safeguarding the accuracy and integrity of credit information, and I trust that you will handle this matter with the urgency it deserves. This request is not intended as a dispute, but rather as a formal demand for the block of fraudulent account information resulting from identity theft. 
Please confirm in writing when the requested block has been successfully implemented. Additionally, I request that you provide me with a copy of my updated credit report reflecting the removal of the fraudulent XXXX XXXX account information. 
I appreciate your prompt attention to this matter and expect that Equifax will fully adhere to the guidelines and timeframes specified in the FCRA. If you require any additional information or documentation, please do not hesitate to contact me at XXXX or XXXX. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received an email offer from Bank of America that stated if I opened a Bank of America Business checking account deposited {$20000.00}, maintained that amount for 75 days plus make 5 electronic bill pay, debit card purchases etc I'd receive a {$500.00} bonus. I opened the account on XX/XX/2020 and funded it that day with {$21000.00}. 30 days after I opened the account I got a letter from Bank of America saying I was enrolled in the bonus and will get it. I have satisfied all the requirements to get the bonus, but have not received it. I've gone to 3 different branches and called several times trying to get the bonus I have earned. Bank of America claims they are looking into it, but I never get a reply phone call etc. The terms in their offer stated 75 days it has now been over 120 days with no bonus paid to me.
Consumer complaint received 2022-12-23
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. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (NY)

I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX/XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never XXXX days late.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 XXXX 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 2022-12-12
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. (AR)

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following fraudulent items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. Under the FCRA section 605b, you are require by law to remove the disputed items off my Credit File. If you believe that the disputed items belong to me, please send me copies of proof of verification or proof of ownership. In the absence of such documents should result in the immediate removal of the disputed items. Please do so.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

On my consumer report there are incomplete and inaccurate accounts reporting. I have asked for verification of multiple accounts and they all have come back verified, I would like to know the method that was used to confirm that accurate and correct information is being reported. According to the FCRA you are suppose to report correct and accurate information. 

Your report should also reflect the other CRAs and at the moment there are a few accounts on my consumer report that are not on my XXXX please make the corrections and delete the accounts I would like these accounts to be reviewed to confirm they are correct and accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once the investigation is complete please send me my complete credit file
Consumer complaint received 2023-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc. (GA)

PDQ Services Inc is an account that I do not recognize on my credit report. I discovered this account XX/XX/2021. This account does not belong to me. I attempted to had this remove with all 3 credit reporting agencies and XXXX and XXXX has complied. XXXX has not removed this account after I disputed this account 4 times. I have a FTC report with the report number being XXXX. They still have not removed this account.