davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

I am a mother of XXXX boys and a widow these past few days has been so upsetting due to the fact that Chime has suspended my account and will not give me my funds I have sent over 200 emails with all of my personal information and they keep requesting the same thing over and over I have been reading up on Chime and I see theres an open investigation with them because theres others complaining how there accounts are being suspended and they never get there money I have saved documentation on everything that was requested all the emails and call logs it really broke me down yesterday when I had to withdraw from my class because I cant make payment for my class and pay for my books I stated that and I heard agents in the back laughing while Im crying because my education has come to a hold they keep asking for my XXXX tax return and I keep stating in every email request that I have not done my XXXX Taxes yet that I am just now doing my XXXX Tax refund because my husband passed that year and I was grieving I submitted my XXXX transcript that I received from the IRS that shows and support my money that was deposited into my Chime account last Friday I have spoken to supervisors and they have looked at all of my paperwork and agreed that I have done and submitted everything that was needed and they dont understand why they are doing this they keep requesting my XXXX tax refund information and I keep telling them thats not for XXXX thats for XXXX that I just filed this year my XXXX I submitted my 1040 my transcripts and other documents from the irs I have also submitted my identity as in id card my social security card and they still dont want to give me my money so i called and wanted to get an update and this lady tells me there not going to give me my money that was deposited until I do my XXXX taxes and Im like Ive submitted everything g to hat was needed to show where my money came from for my XXXX tax return that was deposited last Friday please help me its like Chime representatives do not care and actually do take people hard earned money I had to withdraw from XXXX school until Im able to pay for fees and books I have kids y to hat I cant provide for I never thought they would do this I have all my documents emails phone logs and more of what and how they been handling this situation which is not right at all
Consumer complaint received 2022-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WI)

Btw-not certain type of loanif FHA or conventional I have been attempting to complete a modification that I can afford without penalty and extending loan out extensive decades further than initial time matured-along with the HUD department helping with principal reduction program along with assisting My process to become current and pay towards the missed months during my forbearance I have not been able to conclude this process while awaiting the HUD department to work along side of Carrington as Carrington originally excepted an offer they were willing to work with from the housing resource group/HUD alternatives however now have come back after I declined theyre all the horrible option for a modification saying that I am now in eligible for a principal reduction plan therefore preventing my mortgage payments to come down as I had initially been anticipated as they say My loan is ineligible And I now unfortunately have lost a $ XXXX {$50000.00} lump sum that was very highly likely to be granted as it had been approved through the program due to all of my extensive Covid hardship for a great deal of time and significant loss of financial XXXX XXXX XXXX  XXXX  At this point Im at a standstill and Im sure that they are excepting any possibilities however even if they allow HUD to bring me current I am in fear of the penalties the interest rate and the new modification they will offer me after that as it was almost worse of a scenario that I had initially Even back fully employed They also did grant me a forbearance however continue to say it started three months prior to the date I actually requested it and stopped paying my mortgage regardless of my attempts to bring things current with the proper department I Have not ever been able to get a clear and consistent answer from any one department or communications through website or mailings Ive made continued attempts to facilitate retaining my home and anticipated an extremely promising and hopeful platform to regain my financial security and retain our family home of 25  years and while I am still in a holding pattern -I was sent that there was a dispute being filed regarding all of this from the XXXX XXXX XXXX in Wisconsin therefore I am submitting review to see how this has affected my process I anticipate much of this suit reflects the very issues of resistance and one of the reasons and largely affected that I ( with the help of HUD and XXXX ) were unable to facilitate the principal reduction program that had initially been approved By Carrington. It is all very confusing so I am unsure why they changed their mind once the monies were there to be paid however I have been diligent and made every attempt to resolve this matter and I am very likely going to end up in a much worse & dire financial circumstance even with A stable full-time XXXX wage
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection accounts : I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine.

I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C 1681i ) Account XXXX XXXX XXXX Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages
Consumer complaint received 2023-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

Two debts on my collection from LVNV Funding LLC. Never borrowed or received any form of money from this company. My address is XXXX XXXX XXXX XXXX GA XXXX. I reported fraud coming from address XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNV FUNDING LLC ( Original creditor : XXXX XXXX XXXX. ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2023-06-08
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. (IN)

I sent a letter to all 3 credit bureaus on XX/XX/2023 updating my personal information that is inaccurately being reported on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 30 days and I have not seen any changes. My information is still inaccurately being reported.
Consumer complaint received 2023-09-06
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. (TX)

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

XXXX XXXX  been a mayor nightmare XXXX  unable to buy my car because I have inquiries XXXX XXXX XXXX XXXX, I have accounts that I was authorize user and was not aware of and I have asked numerous times for them to be removes. 

XXXX- not my problem belongs to company take me OFF XXXX credit authorize user XXXX XXXX all of them Authorize user XXXX XXXX Authorize user XXXX authorized user all of them the main account holder has gone into credit payment issue and I'm being penalized I have requested these accounts off my credit 8 times this year alone
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I the XXXX XXXX XXXX XXXX with address of XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX last week on or around XX/XX/2023. I advised a representative on a recorded line that the reason for my call was that I had noticed on my credit report from XXXX, XXXX and Experian they had reported account XXXX XXXXXXXX was reported as a charge off and also showing a balance for {$4500.00}. I requested the XXXX XXXX to send me a 1099-C form since the had charged off them account. I kept getting transferred and the last representative. I spoke with said the debt was now being handled by a 3rd party. I advised XXXX XXXX that I never signed any contract with this 3rd party, neither did I authorize the 3rd party to handle this account. I also never authorized my account to be reported to XXXX XXXX XXXX verbally orally or in writing. I advised that IRS guidelines require a creditor/lender to provide a 1099-c form for any forgiven/written off/discharged over {$600.00}. I also contacted XXXX, XXXX and Experian and disputed the accuracy of this charged off account and requested it be deleted.
Consumer complaint received 2023-09-06
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)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-09-06
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 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 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I tried to close my Wells Fargo personal credit card for months. I went into the bank several times -- each time having scheduled an appointment -- to request that the card be closed. This did not work, they didn't close the account. On at least one occasion, possibly two, they told me that they couldn't do this at the bank, that I would have to call a number to close the card. I tried this as well. 

Dates of visits : I had appointments in the bank on XX/XX/XXXX, again in XX/XX/XXXX ( don't remember exact date ) and then again on XX/XX/XXXX. These were booked in person appointments and were at the branch : XXXX XXXX XXXX XXXXXXXX XXXX CA. XXXX. I also have easily made a dozen phone calls. 

I later learned that despite my clear instructions to Wells Fargo to close my credit card account, due to various subscription services I had linked to the credit card, the card continued to remain open. I didn't understand this. I made efforts to work with the various subscriptions I had ( XXXX  XXXX, XXXX ) to move them to other accounts, but I missed one. I believed that since I had closed the account ( which I thought I had ) that all was well. Unbeknownst to me, a lingering charge of {$21.00} remained on the card. They kept the card open long enough for this {$21.00} to be past due over XXXX days and then Wells Fargo closed the account. I tried again through calls and going into the bank to correct this, and I paid the last balance, but they still reported to the credit bureau that THEY, WELLS FARGO, closed the account, not me, despite the fact that I had proactively been trying to close it for months on my own. They just refused to help me do it and then closed it on me. So frustrating. And wrong. And now my credit is taking a hit for it. I spent hours trying to sort this, phone calls, visits to the bank, and they just -- due to their incompetence and bureaucracy -- wouldn't help me. 

As noted, I had appointments in the bank on XX/XX/XXXX, again in XX/XX/XXXX ( don't remember exact date ) and then again on XX/XX/XXXX. I have made dozens of calls over the months and have spoken with XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, just to name a few ( there are more ). Wells Fargo closed my account and damaged my credit over a {$21.00} unpaid balance that I simply wasn't aware of because I thought the account was closed. How is it that one can spend this amount of effort to close an account and then get bitten in the back over {$21.00}?
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I received a Capital 1 prepaid Silver Credit card in the mail. It said it was for {$500.00}. Not believing it but curious that Capital I would send me {$500.00}, I went to the XXXX XXXX  ATM and tried using it. The ATM refused the card. 

I called Capital one and explained about the card and that when I tried using it the ATM refused it. I was asked if I entered the PIN #. I told them that a PIN # was not included and could they give me one. The answer was no. I asked what should I do and was told, find the correct PIN or I couldn't use it. 

I then asked them to cancel the card. I was told I needed to give them the PIN and name of bank that funded the card. Of course I didn't know either of them. Not knowing what to do, I did nothing. I figured it was a scam and nothing would come of it. 

Then I started getting bills for interest on the card. Each month I received a notice that interest was being deducted from the card. Annual percentage rate of XXXXXXXX XXXX 

On the latest notice I noticed a " purchase '' charge of {$87.00} and a cash advance of {$570.00}. 

I admit I didn't pay attention to the Capital 1 notices because I did not apply for the card and did not use it and when I tried cancelling it they refused. I shredded the card after they refused to cancel it. 

Yesterday, I received a notice Capital 1 had sold the account to " XXXX XXXX XXXX, XXXX. 

I don't understand what is happening. I confess to being ignorant about financial matters. I only use my XXXXXXXX XXXX Credit and Debit cards. I don't need any other. I am XXXX XXXX XXXX and too trusting. I should have known Capital 1 would never give me {$500.00} free but I see banks offering such often in advertisements. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

This is my XXXX 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 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 XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXXXXXXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXXXXXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX ============================================ UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XXXXXX/XX/XXXX ============================================ 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.