davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

chime bank took money from my account on XX/XX/2023 and on XX/XX/2023 I asked chime bank on XX/XX/2023 to give me back my funds cause i never authorized any transaction with a company called XXXX I have no idea who they are at all. chime said they will look into it. but then abruptly denied my claim ( XXXX ) without investigating anything. chime said they will send me a new debit card. funds in the amount of {$19.00} twice unathorized. they owe me {$39.00}
Consumer complaint received 2022-03-31
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have reached out to the Bureaus over 30 days and have yet to receive a response. 
This is inaccurate and should not be on my report.
Consumer complaint received 2019-09-23
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. (CO)

There is a fraudulent charge on my credit from XXXX XXXX for XXXX $ line of credit opened in XXXX of 2012. I have just recently found out about it now that it is in collections. I have called XXXX XXXX and they will not work with me because my date of birth is incorrect I have contacted Experian and this is still on my credit, now with another {$1000.00} XXXX credit card, which I have also never owned still on my credit. Clearly my identity has been stolen and I need these items off my credit as they are not mine, opened by me, or with my permission.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX # XXXX is reporting a late in XX/XX/19. I was never late. What happened was that I had paid it online and did not realize that the payment had not gone through until they sent me a notice about it being late, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.
Consumer complaint received 2023-08-23
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: Bread Financial Holdings, Inc. (MI)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2019-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

This loan started with the US Department of Education as it is a federal student loan. The payment was {$50.00} a month which is very manageable. In XXXX of XXXX  I bought a home and our broker at the time inquired about this loan because of the small payment amount of {$50.00}. Our broker, my wife, and I made a conference call to the department of education. The representative confirmed the {$50.00} per month payment and promised all of us that the amount would never raise. The amount would be {$50.00} forever. Not long after my loan was sent to XXXX where immediately my payment went up. At some points as high as {$800.00} per month. Immediately I have been lied to. Each year I have to recertify my Public Service Repayment Plan program because after 10 years my loan is forgiven. In XXXX I tried to recertify as I have every year and I was denied. They said I filled out my application incorrectly. So I completed the application again and again everytime denied because I filled it out wrong so they said. I had a representative walk me through how they wanted it filled out over the phone and still it was denied. Several months have gone by at this point. Frustrated I looked online to see where I can get help and I found out about the Ombudsman Department. I contacted them and immediately a representative responded. I started to feel good about this. The representative had me fill out the application and I did so just like I had every time before. I was immediately approved. I did nothing different. I don't know why I was denied as my ombudsman application was exactly the same as the 13-14 previous applications. I didn't know why they had denied me and they couldn't explain it to me either. Then when I received a statement I realized that they had charged me interest for the past year of applying to recertify my loan. They didn't take a payment but they charged me more interest than I would have paid. Now my loan is supposed to be forgiven after 10 years but What will happen now? Will I be payed back for that year I lost filling out applications? I asked them and I received no answer. I want to know if that year they took from me will apply to the 10 years of the loan or if I will now have to pay for 11 years. They took a year of my life. I am convinced they purposly denied my applications to get more money out of me. They only have 10 years to get money from me but if they hold my payments and make me fill out applications for a year thats another year of interest I have to pay. So instead of 10 years I pay 11 years of interest. Its an attempt to get more money from me. I know this. 

This loan which started at {$50.00} per month was at over {$800.00} per month but now at around {$580.00} this is too much money for me to handle. They take my wife 's income into account but they don't account for my other loans, my wifes loans, or any of our other financial obligations. I have no problem making a payment but I want it to be manageable.
Consumer complaint received 2023-08-23
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: FORD MOTOR CREDIT CO. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-23
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: ALLY FINANCIAL INC. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

In the attachement all information is included. I was XX/XX/2022 through XXXX by someone we had some contact and I was asked to do some trades in the account of this person. this went well and at some point it was suggested to try it as well, I saw that this trading in XXXX worked. 

Following this I had to open up accounts with several wallets like XXXX and coinbase and transfer money to and from there on to XXXX a crypto platform. My money I used during trading. Before the trades we received a goal on pricing and time slot for max trading time. It went well untill the money was lost ( or stolen as it was ). This all happened during XXXX of last year. XXXX gone in the wind... .how can it happen that there are scams like this without any warning or notice.
Consumer complaint received 2019-09-23
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. (GA)

XXXX ; Experian and XXXX  are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION ()

Hi, To who this may concern, On the XXXX of XXXX called and made a payment over the phone, and by mistake I made a payment with my account that I stopped using, and that account didnt have funds. So when I realized that there was no money in the account, I right away called back and made a payment with my new account, but I didnt know that the account has a different routing number, so I gave the old routing number, and after that I called multiple times to see why the money wasnt withdrawn from my bank account, and only after 30th day from my due date, you told me that the banking information was incorrect, so I updated it and the payment went through, and then I asked multiple times if you can remove this negative mark from my credit report, and you guys told me that you will remove it, I asked a few times but you still have not removed it from my report and my cosigner. 

I am applying for a mortgage now and it is really hurting my ability to obtain a mortgage so I ask if you can please help me and remove this negative mark from my report and my cosigners report, as I made a payment the only thing that was missing was the banking info was not correct.
Consumer complaint received 2023-01-25
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: AMERICAN EXPRESS COMPANY (FL)

I have filed a dispute in regards to late payments and per ; 15 U.S Code 1666, 'A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ' Under the FCRA they cant report late payments. I demand that they update it to the CRA.
Consumer complaint received 2023-03-16
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. (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 2019-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Collection Service Inc (GA) (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Professional Collection Account Number # XXXX This CFPB Complaint is to formally advise you that I believe your company has violated several of my consumer rights. Specifically : You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : and FCRA violation Not only have you ignored my prior request for validation of debt but you continue to report this debt to the credit bureaus, causing damage to my character. This CFPB compliant will again request that you follow the FDCPA and please provide the following : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' Legally means that you had a duty to speak but failed to do so, therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive the proof requested above within 15 days of this compliant. Should you ignore my request for validation of debt I reserve the right to sue you company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted Kind Regards, XXXX XXXX XXXX
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX is reporting inaccurately on my credit file and they are in violation of the FCRA & the Bankruptcy Courts. 
They WERE NOT included in my bankruptcy and in fact I have never missed a payment and have been current, which they have verified. But because I filed bankruptcy they have to stop reporting, they can not continue to report and damage my credit after a discharged bankruptcy. 
They did n't stop reporting until XXXX and it is affecting my financing. 
They are clearly in violation. They need to put the dates back to XXXX or delete it from my credit report. 
They will not help me and I have been trying for a long time. Someone needs to ensure they fix this. thank you
Consumer complaint received 2021-03-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (PA)

On XXXX XXXX, I received a Chase Bank Debit card for a checking and a savings account that I did not open. I immediately called Chase Bank and had the accounts closed. They are sending me a fraud packet to fill out and return, and I will be filing a police report.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I went to a Bank Of America ATM in XXXX XXXX Tx to deposit {$270.00} into my account. When I inserted the cash a Error appeared on the screen and told me to type the amount I deposited, I typed {$270.00} and put submit and they gave me the credit into my account right there and a little slip with a case number. I thought it was fine since XXXX weeks went by so I disposed the slip but then on XX/XX/XXXX they deducted {$150.00} from my account claiming they couldnt find that amount I deposited. I talked to a representative along with a XXXX and they basically told me there was nothing they can do I lost {$150.00} from my {$270.00} deposit. Then again today on XX/XX/XXXX I visited a different Bank Of America location to deposit more money. I counted about {$620.00} then when I insterted it I was hit again with a Error this time when I typed how much I put ( {$620.00} ) it did not give me credit in my account I got another slip. I know for a fact I put between $ XXXX {$620.00}. I do not want to be ripped off again and them only credit me less. This is the second time its happened to me and XXXX separate locations and its ridiculous. I have things to pay and this is very inconvenient. I believe these machines are malfunctioning and ripping money from costumers and they just claim they cant find it.
Consumer complaint received 2023-06-03
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. (IN)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2019-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (PA)

I am a victim of identity fraud since 2017. Most recently I have had fraud charges show up multiple places. As a result we had overdraft charges and navy Federal is not refunding the account for 8 or 9 {$29.00} charges. Also I have been charged XXXX 5 times for a new debit card that they keep canceling without my knowledge. I am not sure if its a security feature due to my fraud alerts but the account should also be credited. I have on numerous occasions went to use my card and the card has been deleted. Between the overdraft charges and the debit card charges it is over {$300.00}. We are already in a terrible place because of the identity fraud and could really use some help understanding. Thank you
Consumer complaint received 2019-09-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I lost my job due to recession in 2010. My family had to move from XXXX to XXXX to start over, we even filed bankruptcy 2 years ago. I have went from owing Naviet {$30000.00} to now owing over {$60000.00} due to taking forbearance because of job loss. I would have rather paid smaller payments, but they did not give me that option. They have tacked on {$30000.00} in fees making it almost impossible to repay!
Consumer complaint received 2019-09-23
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NJ)

This is regarding the Simple bank to BBVA bank transfer. 

I'm sure you're aware that BBVA transfer went horribly wrong and there's no way for me to access my funds. They have said they offer phone support, but there is none. 

I want to move my money to a more stable location, but they won't allow us through technical incompetence. If I ever get a chance to move my money, they will charge me to do so.
Consumer complaint received 2021-03-07
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: WAKEFIELD & ASSOCIATES, INC. (GA)

On XX/XX/2018 a derogatory mark was added on my credit report per XXXX XXXX from XXXX XXXX XXXX and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I have taken action since 2017, when the total loss happened. The gap insurance was to pay the entire note, which it did. I was unaware of the last payment that was due on my end and has since paid the balance. I have asked for an update or for the reporting to be deleted. Thank you