davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Chime Financial Inc (TX)

To Whom This May Concern, My name is XXXX XXXX and I write you this message seeking your help. Over the past 3 months, it has come to my attention that my identify has been stolen. As of now, more than 5 accounts have been opened in my name dating back to XXXX of XXXX. I have only recently found out about these fraudulent accounts as I started receiving letters from collections agencies. I have been working with that collection agency and XXXX to help resolve these matters. 

To date, I have commenced the process with all the financial institutions that allowed accounts to be fraudulently created in my name except for one. That one institution that has refused to help me has been Chime Bank. I reached out to Chime on XX/XX/XXXX asking for help. Over the course of 9 days, I emailed their customer support team XXXX additional times asking for their assistance. In my emails, I repeatedly asked for a phone number of someone in their fraud department, so I could speak directly with a representative to solve my problem. Each time the representative from Chime refused to provide me with a contact with whom I could speak. 

Chime consistently said that they needed a police report to be filed, in order to further assist me. As you will be able to see from the email chain I repeatedly informed Chime that I was unable to file a police report at this time for the following reasons : I didnt open the account, so I dont have the account information I dont know where the account was open, so I dont know which police department to file a report with I dont know what was purchased, so I dont know what to claim was fraudulently purchased I dont know when purchases were made Chime continued to ignore my requests, which leads me to writing you this letter. I have nowhere else to turn. I have done nothing wrong. I am simply trying to address these issues of fraud that have occurred in my name. Chime has made it clear that do not intend to help me, the victim. 

I have also provided a PDF copy of the email chain between myself and Chime as proof that they refuse to assist me. I need your help. Please let me know what I can do to address this. This is both stressful and time consuming. To me, this is just an example of a big institution allowing fraudulent transactions to take place without any regard for the victim. Why is it ok for them to ignore my pleas for help when I have done nothing wrong and am not able to provide what they are requesting. Thank you for taking the time to read this message and I very much appreciate any assistance you can provide me.
Consumer complaint received 2022-07-25
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. (GA)

On XX/XX/2022 I briefly went over my credit report. I see a lot of unauthorized things reporting on my credit report. I recently had everything stolen from me. I filed a police report, and the documents is in the attachments. FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) THE CREDIT BUREAUS YOU MUST FOLLOW THE LAWS.
Consumer complaint received 2022-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I received a debt collection letter stating that I would be litigated against if I did not pay {$5400.00} by XX/XX/XXXX. This account was closed by the original creditor ( Capital one ) without consent or notice. My original credit limit was {$3500.00}. the account was closed by capital one on or about XX/XX/XXXX. Capital one continued adding interest charges 1 full year after in the amount of {$5300.00}. I asked for the original accounting document to figure out how the calculations were made and the validity of the account being closed as it was not agreed to and possible fraud was suspected by capital one. I was denied my request for any information besides a generic debt validation letter.
Consumer complaint received 2018-08-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Fifth Third Bank incorrectly listed my second mortgage loan as " reaffirmed in bankruptcy '' from XXXX. They use an external company ( XXXX XXXX XXXX ) to process their bankruptcies. This service filed a reaffirmation agreement with the court that was subsequently disapproved. Fifth Third never updated their record as " discharged in a bankruptcy '' from " reaffirmed ''. 

XXXX XXXX XXXX says : " it's not our fault..we just process '' ... .Fifth third says : " It's not our fault ... we use an outside service '' ... the credit bureaus say : " It's not our fault, we send the dispute and they leave it the same ''. 

In three weeks of research I finally got the data to fifth third and they claim they updated their records to " discharged in bankruptcy ''. BUT ... .they say they won't report it to the bureaus that way. And of course the bureaus won't change the data on their own. 

The XXXX amendment to the Fair Credit Reporting Act mandated ( section 623 ) that data providers must adhere to the same requirements of reporting ACCURATE DATA as the bureaus. Just because they suffered a loss in a bankruptcy is no reason for them to adopt a cavalier attitude on maintaining accurate records. 

I filed a CFPB complaint against the bureaus on this and they washed their hands of responsibility. I am filing this one against Fifth Third and hoping the CFPB will protect my rights.
Consumer complaint received 2022-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, I made a wire transfer for an amount of {$30000.00} to a Wells Fargo account, and it is still the date of XX/XX/XXXX that the transfer has not been processed successfully. I have called XXXX XXXX XXXX several times, and I called Wells Fargo and I have not received an answer, nor has anyone who can solve my situation. The last time on XX/XX/XXXX I called XXXX XXXX  XXXX they told me that Wells Fargo was requesting some personal data, on XX/XX/XXXX I called and gave the personal data, they told me that it would take 24 to 48 hours. Then today, XX/XX/XXXX, I call again and they tell me that they can't do anything because Wells Fargo has the money. I call Wells Fargo and it says I have to call XXXX  XXXX XXXX. So who has my money? Neither of the two banks solve my problem. 

I appreciate your help. Thank you!
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: First Technology Federal Credit Union (ME)

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2021 First Technology Federal Credit Union XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Pre-Approved XXXX XXXX XXXX Mastercard Application To Whom it May Concern : On XX/XX/2021, I applied online for the XXXX XXXX Mastercard at First Technology Federal Credit Union ( First Tech ) in response to a pre-approval offer. My application was subsequently declined. 
On XX/XX/2021, I contacted First Tech via phone and was told by XXXX that my employment as a XXXX XXXX was considered temporary. I informed First Tech via email that my position was not temporary and submitted evidence thereof. Later that day, I received a voicemail from an unknown person at First Tech stating that they are not able to assist [ me with the application ] due to temporary employment. 
As previously stated, my employment is not temporary. I have been continuously employed for over 3 years. Therefore, the allegation of temporary employment is not a lawful basis upon which to deny my application for credit, which is governed by FCRA. 
In light of the foregoing, I respectfully demand First Tech approve my application on the terms offered. Otherwise, this matter will proceed to trial. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$7800.00} XXXX  XXXX Balance : {$4100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00}
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (OR)

On XX/XX/19, I attempted to change my phone number and email address. I get a prompt wanting to sent a text message to a phone number I have not had in years, so it prompts me to call customer service. 

As before, customer service will not let me change the information, just like when I attempted to change my address. I kept getting stonewalled and bounced around from person to person. They wanted to send a text to a number I told them I had changed and then to send a message to a dead email address. 

The whole idea was to update the information and all I get is stonewalled and angry because of their inept staff. 

This is the second time I have had to get the CFPB involved to get these idiots to do anything. Worst customer service and inept employees I have ever encountered in my life!
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-25
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. (CA)

How many letters and complaints do I have to submit to the Credit Bureaus for them to comply with the FCRA section 605b? Upon Reviewing an updated copy of my Credit reports, I was disappointed to see that the Credit Bureaus have done nothing and cotniued reporting the unverified information on my Credit Report. I previously complaint about the same issues and requested that the Credit Bureuas provide me with copies of documentation which bears my signature to support the Credit Bureaus claims that the Disputed Items belong to me. The Credit Bureaus were given by the FCRA ample amount of time and repsond to my Letters and yet they have to do so. I am submitting this complaint to protect my rights under the Fair Credit Reporting Act section 605b and correct my Credit Report from erroneous and fraudulent information. I need the following items removed from my Credit File immediately : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00}
Consumer complaint received 2022-03-09
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. (MI)

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-13
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. (AR)

I made a dispute on All 3 credit reports about a inaccurate item XXXX XXXX XXXX # XXXX this item is not reporting 100 % accurate information. I have asked for a copy of the original signed contract from the credit bureaus and they refused to send my copies for the original signed contract from the creditor which they wont provide, they just keep saying the account is verified well if that's so by law I am obligated to see the original proof of contract that the creditor supposed to have in they flies so that I know that this account is mines and was signed by me XXXX XXXX. they have failed to send me proof about the XXXX XXXX XXXX  account. this information is supposed to be given when I request for it. they need to delete this account is they don't have proof. send me proof of the signed account original contract so I know this belongs to me that I signed for, or delete it .. its a fraudulent account that they reporting
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Ive reviewed my credit report and noticed the following inaccurate item ( s ) : Inaccurate Reporting- I have notice multiple addresses on my credit report that are incorrect like the following ( XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX Address ID # XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX NY, XXXX XXXX ID # XXXX ) ( XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NY, XXXX Address ID XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX Address ID # XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX NY, XXXX Address ID # XXXX XXXX All of the addresses listed above are spell incorrectly and missing information. I am requesting that any and all addresses that do not match the information on my state issued ID be removed from my credit report to ensure maximum accuracy of my report. Thank you. A copy of my photo ID and a insurance document have also been attached to this dispute to be used for verification purposes.
Consumer complaint received 2022-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-03-09
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: AMERICAN EXPRESS COMPANY (FL)

In XXXX of XXXX, I prepaid a 7 day trip that was 100 % money back guaranteed for accurate description of a boat charter. On the first day of the trip, we realized that we were conned and the boat was no where near what was described. We threatened the police and XXXX XXXX. The vendor apologized and said they would make things right. We called AMEX within hours, appalled by the actions of the vendor and the fraud.AMEX reversed the charges claiming that they had our backs. XXXX month later the vendor makes up falsified invoices and provides a false narrative that we abandoned the boat and that they would keep {$10000.00} of the {$19000.00} we paid. We opened a dispute process with AMEX proving the size of the boat, pictures, no AC, date of boat built etc AND the actual invoices and actual REFUND policy which we followed to the letter. We worked on this for months while AMEX saying if we prove all this we would be fine. Nothing we provide did anything. They let the fraudulent vendor keep the {$10000.00} and closed the case. They told us to go to arbitration for that amount, in which we just started process. After case is closed in XXXX ( after 7 months ) they took the additional XXXX which the vendor had always agreed we could have. Now AMEX took the full XXXX and says the case is closed. Even when the vendor never wanted the full amount. The vendor now will fraudulently keep all the money and never return a XXXX. Amex dispute process was a joke and they never evaluated any of the evidence. Even evidence from the XXXX XXXX and satellite images proving that on top of everything the boat was double booked. Even the evidence of the vendor changing wording on the refund policy and altering the invoice ( ie ; number of people, amount paid and commission altered ). We would like to report AMEX for not protecting their customer and having a futile process that does not evaluate evidence. Not only that, incorrectly overcharges the customer for an amount that was not even asked by the vendor. They will not help us with this saying the case is closed and its beyond the date to open a new dispute process.
Consumer complaint received 2022-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2022, XXXX XXXX XXXX ( XXXX ) added a derogatory mark on my credit report per Transunion. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX XXXX ( XXXX ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2018-05-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Recovery Management (TN)

I had a doctor bill from my XXXX XXXX  child. The XXXX we see also did the XXXX  at the hospital. There were bills that looked the same and we did not get one of them paid. It went to collections. After sorting out with the XXXX   company I paid the debt in collection. The collection company does not recognize it as a mistake and is holding my account on my credit. This is harming me for getting a mortgage. They are very rude and non forgiving. It was a honest misunderstanding by both parties.
Consumer complaint received 2018-08-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I am writing in response to Rushmore Loan Servicing Response dated : XX/XX/XXXX regarding my CFPB Complaint : XXXX. I am requesting that my loan be transferred to another Loan Servicing Company. Your Response on XX/XX/XXXX is still full of lies and misconceptions and is still Retaliatory and I will be escalating these issues to VA & Congress. 

We did complete a Loan Modification Application with XXXX XXXX who placed our account on a Forbearance through XX/XX/XXXX and transmitted this information to you. Also, your letter that you referenced in reply to this complaint - XXXX does not explicitly state that date which has been communicated to Rushmore Loan Management Servicing over 15 times via, email, phone, and CFPB Complaints. These statements contradict your false accusations, as if we did not complete a Loan Modification Application. 

Secondly, I have attempted to get in contact with XXXX XXXX over 5 times and have left 2 Voicemails on last week with no reply. I also called today and receive voicemail and had to be transferred to her again by another Representative. Why do you assign accounts to Representatives who have not intentions on reaching out to the Consumer. I was trying to reach her to levelset and touchbase on my status, but there was 0 attempt to reach back out to me. 

I am requesting that my Loan and Forbearance status be reassigned to another Loan Servicing Company which has our best interest in mind without polluting lies and stall tactics when we are making concerted efforts to speak with a viable experienced Loan Modification Representative.