davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

I remotely deposited a check from making a sale on the Chase App on a Friday. The check was {$850.00}. It immediately showed partial availability of my funds, but I waited for the full funds to be abailable. On the next Monday, it showed the full month available for use, so I shipped my product. The next day, Chase showed that the funds were gone. Im frustrated that they approved the funds, and then they retracted them. I even got two confirmation emails that the check was approved, even though it clearly wasnt. The bank shouldnt have communicated that the check was approved before they were sure it wouldnt bounce.
Consumer complaint received 2019-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WA)

I purchased a Washer and Dryer from The Home Depot on XX/XX/XXXX. The washer and dryer were already 10 % off and there was a deal going on that if you opened a credit card through them you would save an extra {$100.00}. The employee called their credit card company to ensure I would get the {$100.00} off if I opened an account with the washer and dryer already being on sale. He was told yes and I would notice the {$100.00} credit within a month or two on my billing statement. Now the credit card company is refusing to honor the {$100.00} credit because they said I already got the 10 % discount. They even have record of the sale associate calling and asking. They say they were not completely aware that I was already receiving the 10 % discount. Which is unfair. Because they gave out the wrong information, I should not lose my {$100.00} discount. I would NEVER have opened an account through them if I was not promised the discount. I've been battling this issue since XX/XX/2019. Through both email and phone. Tomorrow my promotional deal ends. I do not want to pay the extra {$100.00} yet I do not want them to add on interest rates for not paying. I just spoke with a supervisor today and she was extremely rude and said she will not help me and I was told I wouldn't get the discount in XXXX and she was done with it.
Consumer complaint received 2019-12-01
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: Experian Information Solutions Inc. (MN)

I have fraudulent credit inquiries listed on my Experian credit report that are unauthorized and not my credit inquiries. The following credit inquiries from XX/XX/2019 are fraudulent and unauthorized : XXXX/XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX.
Consumer complaint received 2023-05-23
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: Experian Information Solutions Inc. (TX)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ONEMAIN FINANCE CORPORATION (CO)

Was preapproved for up to 10k on or around XX/XX/XXXX Sent in all requested info and allowed them to run credit score. 
Told I did not qualify. 
Asked them then to remove credit score checks from my account .... they declined I wouldnt have let them run my report and get another ding if I new I wouldnt qualify
Consumer complaint received 2023-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (TX)

Affirm is the company that I had an account with and there was a fraudulent purchase using my account. I had discussed this with the company on several occasions within the past few months ( XXXX ). When I first disputed the charge, I kept getting email notifications stating that I still owed a balance and that my account was going to get charged off. I called the company back and the representative that I spoke to assured me that this would be taken care of and that it would take there fraud department close to a month to get back to me. He also assured me that my account would not get charged off and sent to collections because I notified him that my family and I were in the middle of a move across the country and that we did not need anything that would negatively affect my credit. My account was charged off and I have been denied residents to several apartments because of this issue. I was forced to pay the debt collector so that I could hopefully find a place for my family and I to live. I submitted a complaint to the debt collector and I will be submitting a complaint to the better business bureau. the amount submitted to debt collectors was approximately {$210.00}. Although the amount was not significant, it has made it impossible to get approved for housing during our move.
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (NJ)

I received mail telling me about a credit card that I did not open. The card was issued by genesisfs card services in XXXX, 2023. 
I called but could not get to speak to a person. 
Looking at my credit report I see that the card is listed. I have not signed up for this card. I have never received this card. I do not want this card. 
I want this card abolished and removed from my credit record.
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation (TX)

The XXXX, or Card.com has been withholding XXXX in money on a card that I've had for years. It's been almost a year. In XXXX, my family and I were victims of a house fire, we lost everything, including our family pet. XXXX  and with children, we of course started a XXXX  account. Out of XXXX they are withholding XXXX. Talk about kicking us while we're down! We've sent everything they've asked, including a legal afadavit, to NO AVAIL. In the meantime they are still collecting their fees!! Can ANYONE HELP US?? We need our money.
Consumer complaint received 2021-12-17
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: Santander Consumer USA Holdings Inc. (OH)

XX/XX/21 finance : I went into a car dealership with a check in my hand from my credit union to purchase a vehicle I didnt need any assistance from any outside companies so I dont understand why all these companies are on my credit report.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (MD)

I was slammed through XXXX last year. XXXX was my wells fargo account. I lost close to XXXX  XXXX. The minute I realized it was a scam, I called Wells Fargo and asked them to do something about it. They claim they did some investigation and requested money back from the scammer but I did not get my money back. That was all of my savings and my XXXX account even got hacked by this scammer. I lost a lot bur wells fargo didn't sympathize with me or refund my money back to me.
Consumer complaint received 2023-11-29
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. (TX)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$44000.00}
Consumer complaint received 2023-08-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OPORTUN FINANCIAL CORPORATION (TX)

Under the Fair Credit Reporting Act. I reached out to the company informing them that the Texas Statute of Limitations had expired on the alledged Debt they claim I OWE and stated that I wanted the Debt removed from my Credit report due to being beyond the Statute of Limitations and the rights provided to me by the FCRA I have records that show after I sent the letter about the statute of Limitations they have Violated my rights multiple times by changing the Balance to make it seem like a current debt when infact the report shows it was closed in XXXX XXXX almost 5 years ago. In the most recent letter dated XX/XX/XXXX Claiming they Determained my account was reporting accurately. 
There is NO accuracy to any account when it has expired the State 's Statute of Limitations anyway I have copies of such I can upload as proof. Each item will show that Oportun is trying to miniulate the Debt to restart the Date or attempt to make it appear to be current by making changes to it as it shows on my report this is obvious straight Violation of my consumer rights.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NC)

In 2020, I opened account with Chime so I could receive direct deposits for my Georgia unemployment during the pandemic. Chime closed my account days after I started to receive my back payments from the Georgia Department of Labor. My account has been closed since. I never received my funds in my account which was {$12000.00}. Ive emailed and called chime several times daily and nothing has been done. They refuse to reactivate my account or give me my funds. They are illegally holding my funds and will not return them.
Consumer complaint received 2023-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

I have checking account in chase bank. In regard to my auto sale advertisement, I got scammed. The scammer sent me a fraud cheque of XXXX usd and later asked refund via XXXX as obviously he was not willing to proceed. 

On noticing the fraud, I immediately informed chase fraud department and they declined the claim as I have authorized the XXXX payments. 

My concern is, no one would authorize a payment if its known to be a scam. Also, chase bank could have notified sooner if the cheque was fraud, the money got credited and almost after a week the cheque is being reversed as they found it to be fraud or suspicious. Had it been done earlier or if the fund was kept on hold, I could have saved my subsequent money transfers. 

Absolutely devastated by this loss and hence reporting for a potential refund.
Consumer complaint received 2023-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

Resurgent Capital Services is telling me that I owe LVNV Funding LLC, XXXX, I asked Resurgent Capital Services for the original signed contract, I want the contract that shows that this account belongs to me, I also want to see the last billing statement from the original creditor, the date of my last payment, and when it was that the collection company bought the debt. Is Resurgent Capital Services licensed to collect this debt in my state. I want all of this documentation in order to prove that this debt belongs to me, I want to see the original contract, I have never done any type of business with any of these companies, nor have I ever signed any contract with them. The paper that Resurgent Capital Services sent to me does not prove that the account belongs to me at all.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-09-27
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX 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
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-01
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. (NY)

During the months of XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX & XXXX XXXX XXXX were being disputed. There was erroneous information regarding the three accounts and the company has not addressed. 

XXXX XXXX XXXX ***XXXX  XXXX XXXX XXXX ***XXXX  XXXX XXXX XXXX ***XXXX  I have also disputed latenesses from XXXX on my XXXX accounts and they have not yet addressed. There were administrative and financial hardship forbearances in place. 

Inquiries due to identity theft have also been reported as such and continue to appear and be reported on my reports. 

Incorrect addresses from XXXX XXXX recently appeared again- this is not and has not been my address. This information needs to be removed. 

Credit agencies have failed to remove this negative information resulting in incorrect information being distributed and or reported.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
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. (TX)

I trust this letter reaches you promptly. I am writing to reiterate my deep concern and frustration regarding the delayed opening of my accounts. Despite my initial complaint the issue remains unresolved, causing significant inconvenience and distress. 

I understand that unforeseen circumstances can lead to delays in processing, but the prolonged nature of this situation is impacting my financial plans and causing undue stress. 

I am making a second attempt to request the following actions be taken urgently : Expedite the process of opening my accounts and ensure their activation at the earliest convenience. 

Improve communication regarding the status of the account opening. I request real-time updates on the progress made and the expected timeline for completion. 

Given the extended delay and the inconvenience caused, I kindly request that you consider appropriate compensation or accommodations for the stress and financial disruption experienced. 

I emphasize the urgency of resolving this matter promptly. Your institution 's commitment to customer satisfaction is crucial in maintaining a positive customer-business relationship. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXX Balance : {$35000.00}.
Consumer complaint received 2023-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2019-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

During the months of XXXX XXXX- XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX were being disputed. There was erroneous information regarding the three accounts and the company has not addressed. 

XXXX XXXX XXXX ***XXXX XXXX XXXX Finance ***XXXX  XXXX XXXX XXXX ***XXXX  I have also disputed latenesses from XXXX on my XXXX accounts and they have not yet addressed. There were administrative and financial hardship forbearances in place. 

Inquiries due to identity theft have also been reported as such and continue to appear and be reported on my reports. 

Incorrect addresses from XXXX XXXX recently appeared again- this is not and has not been my address. This information needs to be removed. 

Credit agencies have failed to remove this negative information resulting in incorrect information being distributed and or reported.
Consumer complaint received 2018-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (FL)

on or about XX/XX/17 this credit card was opened in my name Fraudulently in my name. I spoke with this company on several occasions with no avail to take care of this collection charge off debt in the amount of {$500.00}, I preferred to work with this company directly in resolving this matter but due to lack of response I have no choice but to sue my final attempt per my attorney under FCRA regulations.
Consumer complaint received 2023-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am using my middle surname name XXXX XXXX, because the email locked me out of the account with the cfpb My name is XXXX XXXX XXXX under the email XXXX. I ask the representative whom I spoken to at TransUnion to not share my information with anyone on their recorded line, However I have also gave written statement, They updated my information, Unbeknownst to myself and got two different creditors to contact me, One with a wriiten debt warrant to go court or pay the debt, I do not know this person or debt, So I would like to sue. it's in a written statement using my name and information will costs XXXX $ an hour, TRANSUNION, They used my address without my permission XXXX XXXX - XXXX. No. XXXX [ Second Account XXXX XXXX XXXX XXXX XXXX Have reduced a debt that's, not mine [ The XXXX XXXX XXXX account XXXX }, Reduced the debt to {$2400.00}. The previous owners of this apartment complex left owing {$190000.00} That's the amount that they cut they whole building water supply off, I left owing not a dime they credited me only XXXX I paid {$1900.00} to move in I have my receipts plus XXXX Administration fee these folks are crooks read their reviews