davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MO)

On XX/XX/XXXX at XXXX XXXX  Central time I have received multiple texts and emails with a chime one time code and then boom! My phone number was changed and then another saying I had sent {$2400.00} to a XXXX XXXX. I have never in my life met this so called individual as well as never seen the phone number they used. I immediately contacted chime, attempted to gain access to my account and was not able to. I literally had to send in screenshots of myself and me holding up my ID. Then is when I was able to gain access and file a dispute. The agent I spoke with had said, " If then funds are pending we can cancel that transaction and put the funds right back into your account. '' This was not the case at all, as I then got another email the day after XX/XX/2023 stating no fraudulent activity was found. I again called them right away and explained they were 1000 % incorrect. They reopened the dispute again. Then boom another email XX/XX/XXXX regarding the same exact thing. No fraud was found. Again I called spoke with a dispute supervisor this time and again had to repetitively explain myself regarding this dispute at hand. This was again reopened and again on XX/XX/XXXX another email saying no fraud has been suspected. Again I call and speak with a second dispute supervisor and again explained myself. Reopened this dispute and again same thing come XXXX XXXX. 
Keep in mind XX/XX/XXXX I send them 3 screenshots of the text and emails I received, one was the code and phone number changed to gain access. Two was the email of the phone used to get in and three was the email regarding I had send them {$2400.00}. I had also explained to them that on XX/XX/XXXX or XXXX I changed my address in the app and after that I was getting text messages giving me a one time code to change my password to not share it. I then deleted those as no I was not attempting to do such thing. Then boom! Come XX/XX/XXXX when I was clearly asleep at XXXX XXXX  this scammer got in and transfer all my funds. 
This has created such a horrible hardship on me as I have lost my job and was relying on my funds to make ends meet while I seek out new employment. I am on the verge of losing my housing, going to food banks and trying to get help with gas for my car with XXXX children and becoming homeless because Chime is not doing there due diligence in a correct manner. Chime also sent me emails saying there disputes take up to 45 days and my case will be concluded as of XX/XX/XXXX. They have a credit they can offer with in 10 days if found fraud was conducted. This has not been the case as I have received these emails with in 1-5 days regarding no fraud was found.
Consumer complaint received 2024-05-02
Product: Credit 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 (NY)

Company wrote to me ( see attached letter ) to say credits were being removed from my account becuase merchants had already creditted the same amounts. However, I can not find the merchant credits posted to my card statement. I called Amex 4 times to provide me with the dates of the merchant credits. They could not provide this info
Consumer complaint received 2023-08-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (MA)

On XXXX XXXX I opened an Coinbase account and wallet and put over 87000 dollars from my XXXX XXXX checking account. I kept having problems with my account seems like every week I had to call Coinbase and address problems.On Friday XXXX i received a text from Coinbase that my password had been changed. I had not touch my account. I changed my password then.Every week I had problems with my account. Then on XXXX I got a text from Coinbase Fraud that someone was trying to buy 3000 in bitcoin. Then I got a phone call after phone call from this NJ # and I answered it and the person said they were from Coinbase Fraud and someone was trying to buy Bitcoin in my account. They said we are going to send you a code and you tell me what the code is. Then they repeated that. They said they would take care of the problem and that it would take 48 hours to clear up. and they hung up. This was at XXXX pm and noticed the person did not say thank you for being Coinbase customer. So I called coinbase and 47 minutes later the CS rep. said my account was compromised and she would expledite up and lock the account. One day later XXXX at approximately 615 pm i got texts from Coinbase saying I was sending out all these transactions 117 to be exact. I got a text from Coinbase saying these transactions would be delayed because of security issues. They let someone drain my entire account on that day. I filed a complaint on XX/XX/XXXX and I still have not received a answer from them and they keep telling me that are not responsible for hacking of my phone and emails. I called them to lock my account and they did not do it. Negligence. They have no headquarters address and all there CS rep. are not trained in cryptocurrency. They have no accountablility because they all work from home. I had one of the CS rep. ask me how much I had in my account and when I told her she said could confirm that. They have internal theft inside their company and do not even realize it. How do they operate without a fraud insurance policy. They made several Billion dollars last quarter. Now I know why? I am XXXX XXXX and that was 30 % of my retirement and they should held accountable. I have filed a police report at the XXXX Police Department and Detective XXXX XXXX has the copies of deposit to Coinbase and copies of the texts from Coinbase. I can not copy them and can not send them electronicall. Please inform Thank you for your time email XXXX Coinbase still is giving me the run around and case # XXXX and XXXX
Consumer complaint received 2018-05-07
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: EQUIFAX, INC. (FL)

I have been trying to dispute XXXX hard inquires that were not mine on my credit report. I have contacted the financial institutions that have pulled my credit and they investigated the issue. They sent the results of their investigation to the credit reporting to remove the hard inquires. XXXX XXXX and XX/XX/XXXXhave removed them but Equifax has not. I sent a request along documents that prove the inquires were a result of fraud. Equifax has not removed them and I have been told they are unable to.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Re : Account number XXXX I have a Credit Card opened in a good standing with Bank of America XXXX the Minimum payment is {$35.00} per month. I am never late and always pay XXXX, XXXX, or more times above the minimum payment of {$35.00}. 
Bank of America NEVER reported to the XXXX Credit Bureau the exact payment I make. Thus, Bank of America is mandated to report monthly " Amount Paid '' as it was paid. 
Such negligence is having a negative effect on my Credit score, as my credit score should go up. Due to the lack of proper reporting by Bank of America, my Credit score is never raises.
Consumer complaint received 2018-05-07
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. (NY)

I was XXXX for five years. I was released XX/XX/XXXX from XXXX XXXX XXXX. I ran my credit and I have no knowledge of these accounts, nor did I give anyone access to any of my personal information while gone. I also filed a police report because of this issue. I also uploaded all proof of police report and proof of my XXXX  Below is the accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Date opened XX/XX/XXXX Account CollectionsXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX ) XXXX Status : Charged off as bad debt Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX Opened XX/XX/XXXX Status- Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX Orignal XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Date opened XX/XX/XXXX Account status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO
Consumer complaint received 2022-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (IL)

On XX/XX/XXXX Convergent Outsourcing contact me regarding a XXXX XXXX account with an outstanding balance of {$1400.00} I told them is not my account. They told me to contact XXXX XXXX XXXX Department and file a claim. I file an identity theft report with my local authorities ( XXXX Police Department ) they also direct me to freeze my credit and file a report with federal trade commission. I file a claim with XXXX XXXX summit all my documents required. They have not reach out to me. I call the fraud department and they direct to talk with the collection agency ( Convergent ) they report this to all the credit agencies. My credit has been damaged significantly. I open a dispute with the credit agencies and XXXX is refusing to erase this out of my credit. I am following everything by the law and dont understand why XXXX XXXX not helping went this was not my account and never order nothing from this company.
Consumer complaint received 2022-06-15
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX 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 2022-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC (TN)

On XX/XX/XXXX I noticed multiple fraudulent accounts opened without my knowledge with these banks : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The XXXX XXXX account was opened XXXX XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$13000.00}. 

The XXXX  XXXX XXXX account was opened XXXX XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$200.00}. 

The XXXX XXXX XXXX  account was opened XXXX XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$4000.00}. 

The XXXX XXXX  account was opened XX/XX/XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$31000.00} The XXXX XXXX  account was opened XX/XX/XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$2000.00}. 

This account was opened without my consent and my personal information was falsely used! I have included my FTC affidavit for my support and reasons.
Consumer complaint received 2023-03-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2024-05-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (VA)

Source Recievable Management debt collector company acting on the instructions of XXXX reported to the 3 credit bureaus on account of a debt of {$300.00} against my name. The debt does not belong to me as I had no contact with XXXX. I called the Source Recievable Management and XXXX demanding corrections to be effected and reports withdrawn from my credit the have declined and continued to damage my credit report.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I am devastated. I am only a XXXX XXXX who gets by XXXX eats. I dont make a lot of money while still having to pay rent and other bills. Unfortunately one day I over drafted my account by 15 , which was broken up in 4 different transactions. These 4 transactions were made sending my balance negative. In result of this BOA charged me 140 $ In over draft fees, to me, a broke XXXX XXXX I called their support and they informed me they could only refund one of them which Im still out XXXX $ in fees. I have never even over drafted my account before and have been banking with them for over 10 years and this is how they treat me. When I tell you I cried for an hour over this, I really did. It may only be XXXX $ but that is a lot to me when I struggle every week just to pay my bills. I explained this scenario to them and they did not seem to care.
Consumer complaint received 2018-05-07
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. (GA)

On XX/XX/XXXX I reviewed my Equifax credit report and noticed they are the only credit bureau reporting this inaccurate account. 
There is a repossessed vehicle on my account which was completed in XX/XX/XXXX. Since then somehow Equifax is reporting that this account is on time from XX/XX/XXXX and that there are 3 late payment in XX/XX/XXXX as well as on time payments for XX/XX/XXXX. 
I am entitled to all accounts being verified with appropriate information. This is having an extremely negative affect on my credit health as well as my reputation. 
The company that is reporting seems to change the months that are late. A previous report showed a different set of months. Almost looks like the account showing under XXXX XXXX XXXX is either NOT verified or the company is providing updates that are NOT related to an account that they claim is mine. I hope they are not reporting the same car on MY account but are actually providing the information for another car owner. That is a definite violation of my rights for fair credit reporting. 
I would also love to see proof of the balance which shows as {$13000.00}. If that amount is inaccurate as well as the payment history I request to Equifax that this account be deleted from my credit report because of these violations to my fair credit reporting rights.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

I attempted to apply for credit and was informed that this company has more than one social listed for me. I am a victim of identity theft and only have one social ending in XXXX. Any other socials are fraud or error.
Consumer complaint received 2020-07-28
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: Risecredit, LLC (CA)

I contacted the company ( RISE ) to dispute the information they are reporting to Transunion Credit Bureau. I asked for the documentation of the debt being mine and a record of the payment history for the account with them. 
I did not receive any items indicating the account status or my ownership. 
The company also did not notify Transunion within 30 days that I was disputing the information on their credit report.

This is a direct violation of FCRA 611, 602 AND 603. The company ( RISE0 did not notify Transunion of the item being disputed thus having the credit report indicate the item was being disputed by the consumer.
Consumer complaint received 2021-06-02
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: MoneyLion Inc. (CO)

On XX/XX/2021 I received an email stating that my " MoneyLion XXXX XXXX '' accounthad been approved. I never applied for this account. I was able to access the website, which used my email address as my user name and I chose " forgot password '' so I could change it and access the account. I found out that someone had fraudulently applied for and got approved for an account in my name, using an old address that I haven't lived at for over 5 years. There was a {$190.00} available balance with a routing number of XXXX ( I have no accounts with that routing number ). I immediately contacted MoneyLion customer service and reported this as fraud, and they sent me an email confirming that the account was closed on XX/XX/XXXX at approximately XXXX XXXX MST. It was odd too because the customer service representative started asking me for very personal information, including my date of birth and social security number, so she could make sure she was closing the " right account ''. I informed her that she should already have this information and I refused to give it to her over the phone. I also locked my credit at that time with all three major bureaus. Since then, I have been receiving numerous emails from Moneylion asking me to " activate '' my card, etc. I have forwarded these emails to MoneyLion customer service asking them to stop sending them to me since the account was purportedly closed.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX and I have been fighting several medical collections listed on my credit file that I don't believe are mine. They are listing dates of service from this year, last year and in 2016. I haven't been to any type of medical facility in over 3 years. I have disputed with the bureaus to no avail. I don't know where else to turn.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (DC)

Since XX/XX/XXXX, I have had monthly payments auto-drafted from my checking account to my student loan servicer, XXXX XXXX ( " Heartland '' ). In XX/XX/XXXX, Heartland claims that the ACH payment began being declined because of a closed account status. ( In fact, this is indicative of an administrative problem either with Heartland or with my bank, because the checking account had not recently been closed. ) In any event, Heartland failed to notify me that my payments were not being processed every month. 

I only found out about my delinquent account status when I checked my credit report and saw the negative reporting history submitted by Heartland. Specifically, Heartland had reported that I had missed payments for XXXX and XX/XX/XXXX, and that my account was at least 60 days in arrears. 

Upon calling Heartland, I discovered the reason I had not been notified is because they were sending statements to an incorrect mailing address ( as a result of their own typo -- a transposition of my house number, and not because my address had in fact changed ). I asked Heartland to correct the negative credit reporting because the lack of notification was clearly their fault, but they refused to take any action.

I do not think my credit should be negatively impacted because of this loan servicer 's neglectful business practices.