davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
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 (IL)

Beginning in XXXX of XXXX Capital One advised that they had flagged my credit card with a Fraud alert. They would not tell me what caused the Fraud alert. I decided to close my account and paid off my balance, this payment of {$2500.00} cleared my bank account on XX/XX/XXXX, this payment was more than I owed and created an over payment of {$980.00}. Since then, I have been trying to get my over payment back. They said in order for them to send me my money I needed to verify my identity with a utility bill, Drivers license and copy of my S.S. card. I sent in a copy of my Gas bill and Drivers license ( front and back ). ( I had lost my S.S. card so needed to get a new one which I did ). They then told me my Gas bill wasn't good enough. I then sent in a Water bill and a copy of my new S.S. card and my DL again. Now they need a copy of the back of the DL which I previously sent. I have spent numeras hours on the phone with them beginning XXXX XXXX, XXXX through XXXX XXXX, XXXX. They have advised twice that I will get my money in 1-2 billing cycles and when the money doesn't come and I call to check on it, they say they can't issue a check due to the fraud alert and the process of sending documents begins again. ( I have a log of my calls to them and can provide that upon request. )
Consumer complaint received 2023-03-01
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. (FL)

i see collections on my account which I have asked for debt validations with my wet signature. yet I've not been able to get that from the debt collectors and the credit bureaus have continued to keep that on my report with valid prove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (NY)

So I have recently opened a Chime account a few weeks ago, and everything was totally fine. I connected my direct deposit, and everything I needed for my money to go through. I wanted to open a savings account as well, and this is where the problem started. Chime had told me the information I gave them ( which was my SSN ) was incorrect, and that I needed to contact Chime support. I instantly went to chat with support, and they told me there was a problem identifying who I was, so they needed a picture of my ID, and SSN. I responded to them no problem and sent everything they requested. This morning, I went to login to my account only to see that it was locked, and I needed to once again contact them, but through email this time. At this point I'm getting fed up, so I call them directly, and I get connected to a representative. They tell me I need to give them a picture of ID, SSN, and a utility bill for proof of residence. I have already gave them my personal information once, I don't understand why they need it again, and I am never comfortable giving my personal information away, especially my SSN to a company more than once, as others would probably agree. I told them I have already done that and asked why they needed my information again, they would dodge the question and just repeat the same thing of " well, in order to unlock your account we need your identification. '' Not only was the representative unhelpful, they were also laughing as they were repeating the same thing over and over again. so about XXXX is stuck in the chime account that I have no access over. This is massively aggravating as I have bills to pay for.
Consumer complaint received 2023-03-01
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCF Intermediate Holdings LLC (OH)

I have unknown addressses on my credit report and XXXX ( SPEEDY CASH ), has appeared without my consent. Section 604 15 USC 1681 B states credit reporting agencies dont have the right to report without my written consent. 

I received a copy of my credit report, and to my surprise they are reporting this account incorrectly. This collection account is being reported not only as OPEN, but also shows a pst due balance. 

Section 605 A 15 USC 1681 c-1 states without my consent, that is identity theft.
Consumer complaint received 2023-01-24
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)

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, HI XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$6000.00} XXXX XXXX XX/XX/2021 ;
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (MN)

Ok so not only are they claiming they have accurate information costing my credit report to drop XXXX points the last two weeks even though nothing has changed other than they finally closed my account or something with the creditor I don't owe money to I was looking at my report and there are like 20 hard inquiry marks on my credit for the month of XXXX and XXXX of 2022 for auto loans and I mean there are 10 just on XX/XX/2022 alone I was told for XXXX inquiries for the same thing made in a specific amount of time are to roll into one so it doesn't make u look bad but clearly you can see that no one applied for 20 different loans in two weeks and they won't take this out of my report they are ruining my life and now they added another collection that says owe money yet another account that is not mine there are two XXXX account that " we recoart of theft as well for Iver XXXX then say they can't help me cuz they can't verify my address but they can put negative things on my report with out proving that they are my accounts so they put false info on my report with out verifying it first but they won't take it off my report be suse they can't verify my address
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (MI)

XXXX, EXPERIAN and XXXX are reporting a charge off for XXXXXXXX XXXX XXXX Charge offs are income and may not be reported on a consumer report. I have not received a 1099. This account report shall immediately be deleted from all consumer reporting agencies.
Consumer complaint received 2023-01-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TN)

In 2019 i was scammed for {$1000.00} using my Wells Fargo account with XXXX, I had sent the money through XXXX to who I believe was going to rent a house to me. When I found out that this was a scam I contacted Wells Fargo went in and the took a report and opened a case, after some time passed they informed me there was nothing they could do for the loss of my money. Since, my mother in law who also sent money for the same person who was going to rent with us received a check for the money she lost but I never received or heard about again.
Consumer complaint received 2022-12-06
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I will attach a file below that states all of the accounts that were affected by this claim.

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 seven 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.
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Global Lending Services LLC (IL)

I have had my XXXX XXXX XXXX  for 3 years fell upon hard times along with the maintenance of the car. I became severely upside down in the loan due to a few late payments and the fact the blue book value of the car in good condition is XXXX. My car is in less than good condition with a offer of XXXX to trade it in. I have attempted to leave the truck outside my garage for pick up however the plates are expired and tickets was being issued. i tried calling the repossession line the wait is so long i always hang up as Im always busy and on the go. I did not want to give up my truck however trying to make payment arrangements was always such a task as well, ive even had a representative ask if i could borrow the money from someone. This kind of practice of upside down loans and recovery should be illegal. this isnt a new loan and ive paid a good majority of it based on the value of the car. ive had to change my number because of the harassing phone calls and now emails. I am the single mom of XXXX XXXX working a regular job just trying to survive as we all are, id like to give this car back and have my loan adjusted or keep the car at a decent pay off rate either way the way they do business is alarming to me as a consumer.
Consumer complaint received 2023-03-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Since XXXX of last year, I have tried multiple times to work with all three of the credit score companies ( XXXX, XXXX, and XXXX ) to understand why my credit score went from XXXX in XXXX to XXXX in XXXX of XXXX, and then why it decreased for a second time this month from XXXX to below 690. The credit card companies have at all times attempted to block my efforts and have provided me with false information. 

My first attempt was in XXXX with XXXX. On XX/XX/XXXX, XXXX told me the decrease was due to a Bank of America credit card closure and late payment that occurred in XXXX. I had already been adversely impacted by this late payment and closure two years ago in XXXX, so I wanted to know why my account was being negatively impacted for a second time, two years later. Bank of America was absolutely useless when I asked them to help me, effectively saying there was nothing they could do to fix their incorrectly reported information. They told me that the information was verified as accurate. I had to have multiple conversations to explain that I was not disputing that the information was accurate, but rather that the closure and late payment should not affect my score for a second time a full two years after the fact. Bank of America either couldnt comprehend the issue or didnt want to, and continued to refuse to fix their error. Since that time and over the course of a few months, my score increased because I pay all of my accounts on time, have not closed any accounts, have no outstanding loans, and am financially sound. After my score finally broke XXXX last month, it randomly dropped again in XXXX for no apparent reason. Earlier this week, I called asking why my score had decreased and the companies said it was because I had late payments on two Bank of America accounts and another closed Bank of America account. I have not closed an account since the closure in XXXX. All of my accounts are paid off in full on time every month. I do not own the accounts that they say belong to me. They are refusing to share the account numbers. I am trying to take out a mortgage to buy a home and part of me thinks that this is an awful attempt to decrease my credit score so I have to pay a higher interest on my mortgage. Talking with the credit reporting agencies, they make it clear that Bank of America is reporting my information incorrectly. I am filing this complaint because my experiences with Bank of America has convinced me that it is evil. I believe that you can help me, but if you can not and I am forced to take out a more expensive loan because of this unprofessional nonsense, I will put my XXXX XXXX XXXX to use, sue, and demand discovery because what this company is doing is not only incompetent, it is criminal.
Consumer complaint received 2023-02-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Both my partner and I were laid off during separate times of COVID shutdown. We did fall behind with our Mortgage Service -- Wells Fargo. We were asked if we wanted Wells Fargo COVID Relief forbearance program as an offer from WF. 
Our stable employment occurred in XX/XX/2022. We offered to pay back the forebearance amount via installments. WF said we did not make enough to pay the installments. WF completed a loan modification review in XX/XX/2022 stating we made too much for their programs, offering an only option is to sale the property. I filed an appeal and they 'denied " the appeal. 
We have contacted financial counseling as WF suggested. When the financial counselors call WF, they tell them we're ineligible for anything. 
All of this have me at risk of losing my new job, since it is reported I'm behind over {$40000.00} ( with an unreasonable amount of late charges being added monthly ) on mortgage as a gov't cleared worker. The adjudicators are wanting me to settle how am I going to pay my mortgage when WF will not allow me to pay. My partner and I do have a current bankruptcy which is being paid on time having nothing to do with the COVID relief. The bankruptcy was filed prior to COVID. 
Thanks in advance, XXXX
Consumer complaint received 2023-01-19
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 XXXX XXXX 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
Consumer complaint received 2023-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (LA)

MR. COOPER SERVICING PAYMENTS DOES NOT COMMUNICATE WITH THE INSURANCE SIDE EVEN WITH REPEATED EMAILS AND UPLOADS OF ISURANCE POLICIES TO ON THEIR WEBSITE. FIRST, I DO NOT ESCROW. MY FORMER HAZARD CANCELED XX/XX/2022. I IMMEDIATELY GOT A NEW POLICY, EFFECTIVE XX/XX/2022. MY POLICY HAS BEEN REPEATEDLY SENT BY THE INSURANCE COMPANY AND MYSELF TO MR COOPER. HOWEVER, THEY TRIED TO FORCE PLACE INSURANCE ON ME AND SENT A SMALL PAYMENT TO THE INSURANCE COMPANY WHICH DID NOT EVEN COVER THE POLICY BUT WAS SENT BACK BY THE INSURANCE COPANY AS I DO NOT ESCROW. THIS WAS CALLED TO THEIR ATTENTION ON BOTH SIDES OF SERVICING WITH INSURANCE. I RECEIVE EMAILS FROM INSURANCE SAYING NO FURTHER ACTION IS REQUIRED. HOWEVER, SERVICING STILL HAS AN ESCROW PAYMENT AND NOW LATE PAYMENT AND ARE NOW DAMAGING MY CREDIT. I HAVE BEEN WITH MR COOPER FOR XXXX  YRS AND I HAVE NEVER BEEN LATE OR HAD ANY INSURANCE LAPSE. I HAVE RECEIVED EMAILS FROM THE INSURANCE SIDE THAT NO FURTHER ACTION IS NEEDED BUT SERVICING IS ADDING ADDITIONAL ESCROW PAYMENT AND NOW LATE FEES. I HAVE TRIED OVER AND OVER TO CORRECT THIS AND I CAN NOT GET ANYWHERE AND NOW MY CREDIT IS BEING DAMAGED. I WANT THIS CORRECTED ASAP
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to bring to your immediate attention a pressing issue regarding fraudulent items on my account. It has come to my notice that unauthorized transactions and charges have been made, jeopardizing the security and integrity of my financial information. 

As a victim of fraud, I am deeply concerned about the impact of these unauthorized activities on my financial well-being. I demand swift and decisive action to rectify this situation and protect my account from further harm. 

I insist that these fraudulent items be promptly removed from my account without delay. It is imperative that your company takes immediate action to investigate these unauthorized transactions and address the issue to prevent any further damage to my financial security. 

Furthermore, I request transparent communication throughout the process of resolving this issue, including regular updates on the progress of the investigation and the steps being taken to address the fraudulent activity. 

In addition to the removal of these fraudulent items, I expect to be compensated for any financial losses or damages incurred as a result of this fraudulent activity, as well as for the inconvenience and stress caused by having to deal with this situation. 

I urge you to prioritize this matter and provide a swift resolution to ensure the protection of my account and restore my confidence in your company 's ability to safeguard its customers ' interests. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Credit Score : XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-01
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX is reporting a debt on my account that is inaccurate. It also has incorrect information reporting. The amount is {$700.00}. 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 an 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 Account # XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Original Creditor XXXX  XXXX XXXX XXXX XXXXXXXX Balance {$940.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$740.00} XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance {$590.00}