davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (IL)

I called in to ask why my spot me decreased like I was new account holder 2 different people helped me on phone. They told me chime representative and they had me download an app so they could remotely get into my account the guy looked in every banking account I have on my phone and when I asked why he said u talk I hang up and u don't get ur money back they lady prior to this did same I trusted them she took XXXX. From my cash app transfered it to my chime then paid some name idk all my money and now can't get back I think k it's scam... .please help they took all my money My number XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-19
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: JPMORGAN CHASE & CO. (GA)

I have been in contact with this company as well as the Consumer Reporting Agencies since XX/XX/2021 in regard to this fraudulent account reporting on my consumer report. Account number : XXXX I have receptively attempted to have this matter handled and JP MORGAN CHASE fails to follow FDCPA and FCRA guidelines. In fact, with complete disregard they violate FDCPA and FCRA laws by falsely reporting multiple late payments in one month. This erroneous and egregious act of trying to attempt on a fraudulent debt has caused tremendous turmoil in my livelihood. As JP MORGAN CHASE has violated Section 623 ( A ) ( 1 ) ( A ) ( B ) as they continue to furnish this fraudulent account to the Consumer Reporting Agencies.

As well as 15 USC 1681o 15 USC 1681s-2 I am also entitled to remedy for every late payment that has been reported since notice of the dispute of the fraudulent account. I have not received any goods or services from this company and have no intentions to do so.
Consumer complaint received 2018-09-19
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation (MD)

For the months of XXXX, XXXX, XXXX and beginning of XX/XX/2018 I received repeated calls from Bridgecrest Acceptance Corp. The calls would be back to back and incessant ( I have my phone records ) .I received a call yesterday from " XXXX '' from the company indicating that they are only allowed to call 3 times per week and leave a message [ or something to that extent ] ). I explained to her that wasn't the case and to provide me with a call log ... the conversation ended there.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-07-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One filed a dispute to each major credit bureau without my permission. I contacted them to inquire about a " goodwill removal '' of late payments incurred on my credit card during a time I was unemployed. I specifically stated I was not disputing the late remarks on my account and was asking only for compassion, being that I have been a customer for XXXX years. I clearly stated during the call that I did not want them to file a formal dispute with each credit bureau. The representative told me he understood my request and informed me that an " internal request '' would be made for goodwill removal of the late payments. Today, I contacted Capital One to ensure a dispute had not been filed, and in fact it has been. I was then informed by a supervisor that Capital One does not grant goodwill removal of late payments, however when I directly asked the original representative this question, he led me to believe Capital One would handle such requests on a case by case basis. Today I 've asked Capital One to correct this mistake and they state they must make a request to an internal credit department and that their mistake " might be '' corrected. Further, I 've asked Capital One for the transcript of my telephone call yesterday as proof of my original request. They have refused to provide it to me. It is easy to find other cases exactly like this with a simple internet search.
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

My ex-wife has been using my social security number without my consent or knowledge. Upon completing in-depth research, my Social Security Number had been utilized to check ( at least ) my credit scores on XX/XX/2022 and XX/XX/2022. I have documentation of these two dates, but my SSN may have been used for more than that, as my credit score dropped significantly through one of my lenders. I know this is illegal and want to follow the correct steps to remedy this situation ( fines, cybercrime, etc. ). Her actions have detrimentally impacted my credit score, my financial reputation, and have left me feeling vulnerable, exposed, and worried about the use of my social security number.
Consumer complaint received 2021-10-29
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-05-19
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. (MI)

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inaccurate information that is reported on my Credit Reports : XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2018-02-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

when i applied for a truck loan in XX/XX/2016, when they ran my credit, none of my creditors showed up on my report except for 1 account that had already been closed. i ordered my free credit report and upon receiving it in the mail, it has none of my creditors on it. i called them to file a complaint and they said to call the companies to see if they were reporting to the agency. i did that and was told they are reporting as always. yet still after a year of trying to get to the bottom of this it, my credit report is still BLANK. No  one is able to help me, I've called numerous people for help and am getting no where. HELP!!
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC (NC)

I am writing this letter due to the actions that Firstsource Advantage , LLC has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXX XXXX XXXX XXXX is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX XXXX XXXX XXXX XXXX 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation with Firstsource Advantage , LLC, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 
Sincerely yours, XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting 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. (NY)

PLEASE REMOVE THESE ACCOUNTS, IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NY)

On or about XX/XX/2022 I received an email from TD bank thanking me for opening and account. At first I didn't open the email, until I got a follow up email informing me that my email address had changed. I then called XXXX bank inquiring about the said account. I informed them that I never opened an account, they instructed me to report the matter to the police, credit bureau and check my credit report.
Consumer complaint received 2022-05-19
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. (GA)

I received a copy of my credit report and I have found the following accounts listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX Balance : {$190.00} XXXX XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00}
Consumer complaint received 2022-05-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Recovery Solutions LLC (SC)

Atlantic Recovery Solutions called me at work on XX/XX/2022. I told him not to call my work. He called back again in 5 minutes. XXXX called again today XX/XX/2022. My supervisor warned me again not to have debt collectors calling my workplace.
Consumer complaint received 2022-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} CCI ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00}
Consumer complaint received 2022-05-19
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. (TX)

I have sent out letters every month since last year about the same accounts that are listed on my credit report that shouldn't be listed. I have sent them all certified mail. All credit bureaus have ignored my request to simply investigate the accounts they have listed on my credit report inaccurately.
Consumer complaint received 2021-10-30
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: Sequoia Financial Services (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2016-01-13
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was issued a card from Capital One. I used the card ONE TIME for a {$40.00} purchase of gasoline. After that the card was put on a fraud block. I called four times to clear the erroneous block. Capital One would not even speak to me without my ( 1 ) providing copious amounts of written personal information including information about my brother who had nothing to do with my account ; or ( 2 ) going to a local bank and enlisting the help of someone there to prove my identity. All of this seemed like a phishing scam. Since I could not use the card, I paid the amount due and cancelled the account. ( I actually paid more than the {$40.00} that I charged for gasoline since my assistant included at least part of the annual fee in the check that was sent to Capital One. ) Since that time, I have received monthly bills for late fees, interest and an annual fee. I paid for what I bought, I own no late fees, interest and an annual fee ( since I cancelled the account within the time period allowed for cancellation without an annual fee ).
Consumer complaint received 2022-05-19
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, I was notified via text ( time XXXX XXXX  pt ) by the fraud department that a purchase ( XXXX ) of XXXX was made on my account. in which my reply ( XXXX XXXX  pt ) no, at that time a received a reply back at ( XXXX XXXX  Pt ) that time had expired. I then login my mobile app to see and I notice that my savings account had been breached ( XXXX ) and was moved from my saving to my checking account ( XX/XX/XXXX, someday ) where I noticed an unauthorized purchase was made ( XXXX ) I then went to the bank after leaving an appointment ( have proof ) I arrived at the bank when I was told that to call the # on the back of my card, I spoke with the representative told her that my account has been breached and that there was unauthorized movement on my account and purchased. The funds were refunded back into the account a week later the funds were removed from my account again a notified the bank again and then they notified me that a document was signed. That they can't do anything do to that ( unauthorized documentation. I reinsure that this documentation was not authorized by me. ( with evidence.
Consumer complaint received 2022-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act XXXXt Account XXXX  # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account XXXX XXXX XXXX Account Number 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 2021-10-30
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. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2019-01-29
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. (TX)

I've tried to correct this issue with Equifax several times there's an account that does not belong to me reporting on my credit file. The account was opened under a different social security number and the creditor has verified this information with me I have a letter from the creditor stating that this account doesn't belong to me yet Equifax is still reporting XXXX XXXX and XXXX. I want a re-investigation because the account wasn't opened under my social security. Equifax mixed my credit file with someone elses and gave them my address but the account wasn't open under any address that belonged to me or my social but now Equifax has provided them with my address.
Consumer complaint received 2022-05-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (IN)

Hello, so I fell under a financial hardship in XX/XX/XXXX due to Covid. I called my mortgage lender Citizens Bank. I was offered a forbearance the end of XX/XX/XXXX, I applied for the Stand Alone Partial Claim in XXXX of XXXX. I have called my mortgage company weekly since I started the forbearance on XXXX. I am currently 4 months behind on my mortgage but I have been making my payments regularly since XXXX of XXXX. I call my mortgage lender weekly and they refuse to give me any information or tell me where I stand with my Stand Alone Partial Claim. Citizens is continuing my forbearance yet cant tell me what is going on with my account. I call weekly and no one can help me. Every single person gives me different information. This in my opinion is extremely unprofessional for such a large mortgage lender. I cant imagine how many other customers are struggling in the same situation I am. I have never had a company refuse to give me information regarding my own loan. They say they will have some one return my call and yet I never receive a call back. When ever I do speak with someone it is a call center out of country and the agents barely speak English. Its beyond sad that a company can lie and give so much misinformation. Please help me get this figured out. I dont know where to turn for help. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2022-05-19
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 have previously disputed this item with Experian regarding XXXX XXXX XXXX XXXXXXXX XXXX # XXXX and in response they verified the item as accurate, stating that they have verified the information with the court. I contacted the court myself previously and their response is enclosed. It is clear they do not report to EXPERIAN or to any credit bureau for that matter ; therefore their original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681l ) and the information must be deleted immediately. ''