davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (NC)

Chime allowed an account to be fraudulently opened in my name. I received a cash account card in the mail welcoming me to Chime, when I had never even heard of Chime before. Their security procedures are extremely risky and should be investigated for being an open avenue for fraud in the United States. The customer service team refuses to help because I do not have the email address that was used to open the account. This shouldn't be surprising as the fraudster did not use my own email. Without any physical locations, they leave no options to close the fraud account other than emailing even more personal information to an institution I do not trust nor want storing my personally identifying information. This contrasts to financial institutions that will resolve the matter in person or without requesting your social, passport, or driver 's license. 

Chime .... you MUST close fraudulent accounts using more advanced methods to identify fraud.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Applying for a mortgage loan and XXXX XXXX  said when they pulled the credit report there were items in the Disputed Accounts section. I have called each credit agency Equifax, XXXX  and XXXX  and all of them say that they are not seeing the following accounts in the Disputed Accounts section but the bank says they are incorrect. Need these accounts removed from the Disputed Accounts section ASAP. they show no issues with payment history. 

XXXX XXXX XXXX # XXXX Equifax and XXXX XXXX XXXX XXXX # XXXX Equifax XXXX XXXX  # XXXX Equifax XXXX XXXX XXXX  # XXXX XXXX XXXX , Equifax and XXXX
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Temporarily lifting a credit freeze with Equifax : We placed credit freezes with XXXX, XXXX and Equifax years back. We now need to lift those credit freezes to apply for a mortgage. Lifting of freezes must happen within hours if requested online or by phone, and within 3 business days after receiving a request by mail. XXXX and XXXX lifted the freezes within hours. Equifax still has not lifted the freeze since mid XXXX. The details are : My account on myequifax.com does not allow me to temporarily lift a freeze. Any Equifax phone number won't give any results since they claim that I do not provide correct information of security questions and that info does not match what they have on file ; the phone call then just ends without having the chance to talk to customer service. I then decided to lift the freeze via regular mail sending in a letter as well as copy of my social security card and drivers license. Letter # XXXX was delivered per XXXX tracking on XX/XX/XXXX ( Equifax had to sign for it ). Letter # XXXX ( this time I included previous addresses, trying to add more information that could be helpful ) was delivered XX/XX/XXXX per XXXX tracking. In the meantime I received one letter from Equifax on XX/XX/XXXX requesting the exact same information I provided in the first two letters. I now sent letter # XXXX with the same information and included their letter in the envelope as requested by them and sent it to the po box that they stated in that letter. Letter # XXXX is expected to be delivered on XX/XX/XXXX. As of today the credit is still frozen per myequifax.com.
Consumer complaint received 2021-05-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (NC)

This reason why Im writing is BB & T is very rude with no empathy and its a whole pandemic going on and I told them I was very sick not for sure if Im getting over the XXXX XXXX  Im still waiting on my test results. I told them on XX/XX/XXXX I had {$2000.00} and the ATM only took {$700.00} the machine kept spitting out the rest the {$1300.00} the reason why I didnt go in because I was very sick and also the hospital and doctors office advised not to go in any place until I get my test results back. The reason why I didnt drive around looking for another ATM because I was extremely sick. I knew things were scheduled to come out so I had enough money to cover everything. You charged me excessive overdraft fees and thats against the law especially its not my fault I was sick, its whole pandemic out these are not normal times plus the ATM machine wasnt working properly. I have all my documents that I been sick and things. Instead of understanding you treat a long time customer like me extremely rude with no empathy. I need these fees taken off because its causing more and my electricity bill is due. Its like {$1000.00} of fees and those are excessive and not my fault. Thank you for your time. Have a wonderful day and please be safe.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I had purchased an item from XXXX and financed through XXXX. The item was returned and Bank reported me as 30 days late. I also made a payment and paid in full. After speaking with rep they stated they would remove it but never did.
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

CapitalOne arbitrarily restricted my account with no explanation. When I called in they demanded that I provide additional PII before they would tell me anything. I expressed concern over providing PII to a company with a very public record of mishandling the sensitive data of their customers. Against my better judgement I reluctantly agreed and they provided a technical solution to upload the PII which did not work, they provided no alternative. This is not the first time that CapitalOne 's poorly designed anti-fraud practices have caused me unnecessary aggravation. Given that CapitalOne 's so-called anti-fraud practices do not protect me from fraud as much as they have obstructed my legitimate use of my account I have chosen to terminate my <10 year relationship with the company.
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX 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 2021-05-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lending Club Corp (CA)

XXXX XXXX of XXXX XXXX sent me a letter stating they have placed a Lien against my house. I have not received any notice company bought off the Lending Club loan that was charged off my credit report. XX/XX/XXXX I hired a credit repair company that did not process my case and charged me fees upfront without negotiating my debt and several of my accounts went into default. Since XX/XX/XXXX, these accounts have been charged off. In XX/XX/XXXX I received such a letter and have not received any correspondence on how to fix the issue. My children have recently heard or seen a nucence lady come to the door and ask for me but has not stated what business she has or will not leave a number or name. I understand I have gone in default on several loans but do not know how to make it right. I'm currently trying to refinance but am afraid this company is trying to block me from refinancing and there will not be a way to make things right if they have not followed the law by presenting the issue and allow consumers to make it right. Since hiring the credit repair company I have done all in my power to maintain my finances in line and pay off my debt. I believe this company has not presented its case in law that is fair to me as the consumer and there should be a way to take action again them, scare tactics are not an appropriate approach to making things right financially. 

Companies that may have purchased Lending Club loans are XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX.
Consumer complaint received 2021-05-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

Last year, around XXXX, my monthly pay was {$3600.00} I signed a paper to refinance and I agree all information about the new refinance and new payment, being {$2800.00}, but later they called me to inform me that I couldn't refinance because I was in the COVID program for five months. They also told me that when I had to start paying my mortgage for three straight months, they were going to be able to refinance it. However, they lied to me about this. No one calls me or writes me back about this situation. I was reading an article about California 's laws that they could do me a loan modification, but they don't respond to the emails I keep sending them. I was thinking about doing a complain because I don't have enough money saved to pay the {$3600.00}, now that all of my salary is for the mortgage. The company is Freedom Mortgage.
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. ()

Hello, I would like report a shady mortgage company that has apparently acquired the interest to my mortgage debt. PHH Mortgage purchased my loan from XXXX less than 2 months after our most recent refinance. We had never even heard of the company, but suddenly we were having to deal with them. The URL listed on their mail did not resolve and sounded like a scam address. They continue to email and mail me without any unsubscribe method. Their CEO calls me and leaves enthusiastic voicemails about the refinance market. Its obviously a mass call. Surely there must be some recourse : we did not choose to enter into business with this company, now we have to open their spam letters and calls without any unsubscribe method.
Consumer complaint received 2024-02-28
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: Experian Information Solutions Inc. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXXXXXX XXXX XXXX Paid in full ) {$840.00} XXXX XXXX XXXX XXXX Paid in full ) {$1500.00} XXXX XXXX XXXX was removed and re-inserted illegally ) {$1300.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with original creditor and has been confirmed. I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2021-05-25
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: ROBINHOOD MARKETS INC. (NM)

Starting on XX/XX/2021, A subscription company tried to charge my Robinhood debit card. And the charge was rightfully declined because funds were not available in my account. They company attempted to bill my card 12 times between XX/XX/XXXX, and XX/XX/XXXX and were declined. On XX/XX/2021 this charge was submitted again, and the charge was paid putting my account into overdraft. 

Then on XX/XX/2021, Robinhood liquidated the two shares of XXXX in my account to cover my " margin ''. 

It clearly states on the Robinhood website in the support help center that the Robinhood debit card prevents overdrafts by default. They further explain the few exceptions such as gas stations, restaurants, and hotels, in which the final charge may be more than a preauthorized charge and can send an account into overdraft/margin. A preauthorization charge should not be the case here as the business charging my Robinhood debit card isn't one of the exception type businesses. 

I have been in contact with Robinhood support several times via email and XXXX to try and resolve this. Robinhood refuses or can not explain why the charge was allowed to proceed the final time. I have simply asked them to replace the two shares of XXXX and the {$1.00} I had in the account at the time Robinhood confiscated my assets. They simply refuse to return my assets and won't explain why they allowed the charge go through even after being declined 12 times previously. 

My final hope is that I can get this issue resolved through CFPB.
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (IN)

IQ Data International has listed an account on my credit report and is continually calling me and adding interest monthly to a balance that has already been paid through a garnishment. I called the attorney handling the garnishment XXXX XXXX XXXX and their collections department XXXX  XXXX and was informed that they do not use IQ Data for collections and had never heard of them. The attorney then contacted the original creditor to confirm that this account was not sold to or supposed to be handled by IQ Data and the original creditor stated that they only send accounts to the attorney on record and their collections department which is NOT IQ Data International. At this point everyone is baffled as to how this company got my information and has been adding interest to a balance monthly on my credit report for an account that was never owned by them and is now paid. Upon contacting IQ Data International trying to get this resolved I was spoken to rudely, told I owed it and was then hung up on.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

XXXX XXXX Went online to check my XXXX report. Couldnt sign in. I called the # XXXX XXXX XXXX - XXXX assisted me and gave me another direct number to call the consumer help at XXXX. While on hold, i decided to online chat - Had a very long chat with XXXX only to find out the only phone number associated with XXXX is XXXX. 
I took a snap shot of out conversation and told them, if they cant get into my account, i would report this is whomever I can. 

A bit of background - 2 months ago, while at work, XXXX XXXX person, XXXX, came over and laughed then asked me if I tried to collect unemployment, now both of us are laughing - the answer was " NO ' ; so she said someone filed for benefits under my Social Security number. 

Not sure if this is all related, but I am sick of it all. 
I will pray that you can obtain the answer quickly and easily. 

Have a XXXX day and stay well.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MONEY SOURCE, INC., THE (CO)

We had an account that was set up on automatic payment but unbeknown to us the company did maintenance internally on their systems and it deleted out automatic payment setup. By the time we realized that a payment hadn't gone thru and made the payment they reported us as 30 day late on our credit reports. This is extremely detrimental to our goals and not representative of the actual situation. We have tried disputing the late payment with the credit bureaus but haven't had success. Please assist us in getting the late payment removed from our credit reports with the three credit bureaus as this was not a late payment that was our fault.
Consumer complaint received 2021-05-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding LLC ( LVNV ) has never contacted me by mail or by any other manner regarding their debt purchase XXXX  c/o XXXX  and I became aware of their existence after they had filed a lawsuit against me for a debt I do not recognize and past the statue of limitations in the state of Texas. 

LVNV has NOT properly followed legal procedures prior to initiating a lawsuit against an individual nor have they validated the debt ; therefore, the complaint should be dismissed immediately.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (IL)

I was under a forbearance program due to COVID, and at the conclusion on my forbearance period ( XX/XX/2021 ) I paid the full amount to bring my loan current. I looked at my credit and it shows the payment for XXXX of 2021 but still shows the previous months covered by the forbearance program as unpaid. 
I called PNC Bank and no one could give me any information about how long this would take to have updated. I asked to speak to a supervisor and was advised that I would have to take up the issue with XXXX.
Consumer complaint received 2021-05-25
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. (PA)

I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-05-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2021-05-25
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 have filed disputes with Experian about this information and I am uploading additional information to my previous complaint to have this account removed from my credit report immediately. I have contacted FTC and am now sending this information to Experian. 
on XX/XX/21 I received an alert that a company called " XXXX XXXX XXXX '' had stated that I opened an account with them on XX/XX/21, had a balance of {$670.00} and placed this information on my report. After filing my dispute, this company then changed information stating I had made a payment of {$50.00}?? to them and then changed and updated information on my report. THIS IS COMPLETELY FALSE! I Have never dealt with this company and This account if fraudulently on My credit report. I am requesting that Experian remove this information immediately.
Consumer complaint received 2024-02-28
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)

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 Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 XXXX  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.