davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-05
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. (MO)

Not only have Equifax breach affected me but I also lost my wallet. I have disputed these allegations of accounts before all to no prevail. The credit agencies only position was responding by saying verified. Verified without providing me the physical documentation inwhich I'm entitled to. But still and all they are not mines. I'm requesting that the following accounts be blocked from my credit report. 

1 ) XXXX XXXX XXXX 2 ) XXXX.. {$56.00} 3 ) XXXX XXXX  4 )  XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX .. {$52.00} 7 ) XXXX   8 )  XXXX.. {$52.00}
Consumer complaint received 2021-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (DE)

On XX/XX/2021 I used my card ending in XXXX to buy sneakers from XXXX that cost {$140.00}. Once I returned them I then requested XXXX to start a return and they did. I dropped the sneakers off at XXXX and got a return receipt. I then was told my {$140.00} would be issued back to my Chime card ending in XXXX. Because of this not being refunded when I thought it would I filed a dispute. Chime denied my dispute ( XXXX ) and representative stated if I had new evidence they would file a rebuttal. I then provided them with my XXXX  return receipt as well as adidas updated status stating my funds were returned back to my card ending in XXXX. However the next day they denied my rebuttal stating no error occurred. I then contacted XXXX via chat and they informed me that they tried sending my funds back twice to my card ending in XXXX and chime denied my refund. They stated I needed to contact chime, which I did and it was on Thursday XX/XX/2021 @ XXXX where I spoke with chime rep XXXX and XXXX representative and he informed the chime rep that they tried to process the refund twice back to me and it kept being blocked. The chime rep had no response. He also stated he would escalate this and gave me incident number XXXX. On XX/XX/2021 @ XXXX est I called the dispute department and the rep stated he saw my claim was still denied even with the supporting evidence that shows I indeed sent the merchandise back and was told by the merchant my funds were sent back to my card. This has been overwhelming and I would like my funds to be issued back to me as well as an apology from Chime
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I have reached out to Fifth Third Bank in regards to the late payments that were inaccurately reported to my credit report from XX/XX/XXXX to XX/XX/XXXX. I made every payment on time, However Fifth Third Bank did NOT post my payments to my account when they were made. I have attached a list of my payments from their website to show that the payments were made. 

Fifth Third Bank inaccurately posted late payments to my report. They are inaccurate as you can see I made the payment. Fifth Third Bank has also violated my consumer rights according to USC 15 1681a ( 2 ) ( 1 ). As the consumer, the person ( Fifth Third Bank ) have inaccurately reported transactions ( late payments ). This have made my experience of purchasing a home a horrible one.
Consumer complaint received 2021-11-03
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. (TX)

I have contacted TransUnion several times regarding these accounts. I asked for a investigation on the accounts for them being misleading and inaccurate. They have failed to comply with FCRA regulations it has been more than 30 days these accounts need to be removed from my consumer report immediately. 

As the FCRA requires all information on a consumer report to be 100 % accurate are it must be deleted. All three credit reporting agencies must maintain the same information. So why are these inaccurate, misleading accounts reporting on my credit report. Who from TransUnion deemed them to be accurate and placed them on my report. An what representative did they speak with from the data furnisher to prove the accounts were 100 % accurate before they placed them on my consumer report. 

Please attach date, time, phone number and agent or representative in which TransUnion spoke to to verify these accounts as accurate before they reported them as so on my consumer file. 

Accounts in dispute. 

1. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Also under FDCPA 15 USC 1681i ( a ) ( 1.a ) All accounts that are disputed by a consumer must be immediately deleted from the consumer report until the investigation of said account is completed. 

As you can see in the attachments below XXXX have already removed these accounts. Therefore these accounts have to also be removed from TransUnion as the FCRA again requires all three reporting agencies to maintain the same information on a consumers credit report.
Consumer complaint received 2020-08-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Filed dispute with portfolio recovery associates onXX/XX/2020.requested verification under the FDCPA.the following verification requested were as follows : 1.proof that I either owned or were assigned this debt from the creditors. 
2.proof that you have the right to collect this debt in my state. 
3.proof that your company carries a bond. 
4.proof on how your company assessed the outstanding debt.

5.payment history from the original creditor. 
6.name and address from the original creditor. 
7.copy of the contract bearing my authentic signature. 
35 days has past and I have not received any correspondence.
Consumer complaint received 2024-01-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Alorica Inc. (TX)

After XXXX XXXX sold my personal loan to this SST, system and services and technologies, I've been harrased by this 3rd party credit company phone call non-stop and they kept changing their caller ID to call me and left various messages.
Consumer complaint received 2020-07-21
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)

XXXX XX/XX/XXXX I make a purchase of airplane tickets for {$530.00} from XXXX XXXX for a trip to XXXX XXXX that should take a place XX/XX/XXXX to XX/XX/XXXX. Due to COVID19 the flight was canceled. 
I was trying to resolve this issue with XXXX XXXX however, without a success. 
My flight was canceled XX/XX/XXXX and I was issued a Ticket Credit that must be used within 90 days. 
I tried dispute this charge with AMEX twice however, XXXX XX/XX/XXXX I received email that I will be charged a fee despite that flight never took place and I did not received any refund from XXXX XXXX.
Consumer complaint received 2018-07-05
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. (MO)

Not only have XXXX breach affected me but I also lost my wallet. I have disputed these allegations of accounts before all to no prevail. The credit agencies only position was responding by saying verified. Verified without providing me the physical documentation inwhich I'm entitled to. But still and all they are not mines. I'm requesting that the following accounts be blocked from my credit report. 

1 ) XXXX XXXX XXXX 2 ) XXXX. {$56.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX .. {$52.00} 7 ) XXXX 8 ) XXXX.. {$52.00}
Consumer complaint received 2016-09-04
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (AZ)

BBVA is engaging in illegal harassment and intimidation as a result of my previous successful complaint XXXX in which BBVA admitted wrongdoing and giving out false information. BBVA first blocked my online access and now is refusing to permit me to close my account and give me my funds even though these are collected funds in good standing with BBVA for over six months. PLEASE HELP!!!
Consumer complaint received 2015-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I applied for a credit card with XXXX XXXX. I was denied because my address did not match what was on my credit report. Then I tried to get my credit report and could n't get it online because the security questions were n't mine. I feel I am a victim of credit fraud. What ca I do to prove I am the rightful person to use my Social security number?.
Consumer complaint received 2015-09-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Recovery Management (TN)

Fox Collections has refused to provide enough information for me to certify this debt belongs to me. I requested Validation of this debt ( Acct # XXXX XXXX ) and my letter was received by Fox on XXXX XXXX 2015 by certified mail. Fox sent me a letter stating that they had verified my name and address ... nothing else sent. I have attempted to contact the original creditor on file, but they are now out of business and the new company is not servicing their old debt, nor has any record of it. 
Validation request was dated XXXX XXXX 2015 and Fox received it on XXXX XXXX 2015 ( see validation letter attachment ). Fox 's response was received XXXX XXXX and contained no detailed invoice and simply stated my name and the amount owed ( see attached evidence ). After speaking with the representative on the phone I was informed to sign and send in the authorization form at the bottom of the letter they sent. I did so on XXXX XXXX and still have received nothing in the mail. While speaking with the representative I located what I thought might be an EOB relating to the debt in question. The Fox representative and I both agreed that it was not and this EOB did not relate at all to the debt in question. I sent in a second validation letter dated XXXX XXXX 2015, received by Fox on XXXX XXXX 2015 at XXXX ( see attached USPS return receipt and XXXX validation letter attachment ). I have yet to receive a response to this letter. After reviewing Fox 's response and evidence to my XXXX complaint I can only concur that I was correct in my initial evaluation of this alleged debt not being mine because they can not provide me with further details from the actual company. The attached evidence that Fox provided on the XXXX website is from there own files and not the alleged original creditors ' database.
Consumer complaint received 2018-07-05
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 shows an account open in the my name. I did not open this account. I have told credit reporting agencies this several times. They always come back and say it is mine. I would never open a XXXX account. I would like this resolved as soon as possible, because this is not mine. I fear someone is trying to use my name for fraud. While there are no charges owing on it now, I would like to get this straightened as soon as possible, before charges are accrued. Please take care of this, as I'm innocent person who did not open this account. I am in the process of buying a home, building a better and stronger credit, and I do not need this on my credit. If it was mine. I would accept that. It is not, and this is unfair, and illegal. No proof has ever been presented to me, that this is my account, when I know it is not. That is why there is no proof.
Consumer complaint received 2018-07-05
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. (GA)

XXXX shows an account open in the my name. I did not open this account. I have told credit reporting agencies this several times. They always come back and say it is mine. I would never open a XXXX account. I would like this resolved as soon as possible, because this is not mine. I fear someone is trying to use my name for fraud. While there are no charges owing on it now, I would like to get this straightened as soon as possible, before charges are accrued. Please take care of this, as I'm innocent person who did not open this account. I am in the process of buying a home, building a better and stronger credit, and I do not need this on my credit. If it was mine. I would accept that. It is not, and this is unfair, and illegal. No proof has ever been presented to me, that this is my account, when I know it is not. That is why there is no proof.
Consumer complaint received 2016-12-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (TX)

XXXX has continued to falsely report that I owe them membership dues when in fact the membership was cancelled. On multiple occasions I called XXXX to inform them that I should not be charged any dues per my cancellation. XXXX has failed to identify a confirmed cancelled member and has continued to try and collect false debt from me. This is consumer fraud and XXXX should be reported to the XXXX for their illegal business practices.
Consumer complaint received 2020-07-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was first a victim of scams and was tricked into exposing my identity to scammers. While reviewing my credit history lately, I noticed a Capital One credit card was fraudulently opened in my name around XX/XX/2019. I have never owned a Capital One card or account. I phoned Capital One at XXXX about this situation and was told to expect a follow up which I never got. I am surprised that Capital One would approve a credit card application without checking the applicant 's identity.
Consumer complaint received 2017-06-09
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. (CT)

I have a  XXXX   XXXX  charge off listed on my credit report.    XXXX   Purchased  my  XXXX   XXXX   XXXX  landline service. My payment went to  XXXX   XXXX   XXXX  but during an Audit  XXXX  identified my account as 180 days late from the Purchase date from  XXXX   XXXX   XXXX  to  XXXX    XXXX  .   They listed th e 180 lat e on my credit report.   I called  XXXX  and was on the phone with them for ove r 1 ho ur while they tried to figure out what happened. They confirmed they received the payment and was going to remove this from my credit report.   I get a new credit report a few weeks later and  XXXX  has changed t he Status to a Charge off.    I called  XXXX   XXXX  and they said the account is paid off and not a charge off but are not going to correct my credit report. The gave me a letter and told me to work with the credit bureaus. The Credit bureaus all said they researched the issue and confirmed from  XXXX  that it was a charge off.
Consumer complaint received 2021-09-14
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: WELLS FARGO & COMPANY (NC)

I recently just obtained a copy of my credit report. This letter represents a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate, according to 15 U.S.C 1681, fair and accurate information must be reported to the credit report. The person to whom the alleged debt belongs to is not me. I am demanding validation of this debt according to 15 U.S.C 1692G, I am demanding that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. This inaccurate information is a mistake on your company or the reporting creditors part. Because of the mistake on my credit report, I have been wrongfully denied for credit recently, which was highly embarrassing and impacted my lifestyle. Additionally, and reporting this debt to the credit bureaus prior to allowing me to validate it may be a violation of the FCRA ( Fair Credit Reporting Act ) which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removed from the credit bureaus
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Tried to reach Pentagon Federal C U with no success. They are trying to charge extra fees on payoff ( refi ) of their first mortgage on my home. These " fees '' ( " release '' and " recording '' ) were never revealed when we signed up for the mortgage, and we were told we could prepay the mortgage at any time without a penalty. These supposed " fees '' are simply penalties ( and income for them ) in disguise.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (WA)

On XX/XX/2024, i got the email stating my account has been temporarily suspended. I immediately logged onto the app to check the account but to my surprise my account was locked. I then proceeded to call SoFi customer service department to get to the bottom of it as soon as possible. I spoke to well over 7 different reps throughout the day about the freeze but could not get an answer at all. The reps would tell me to just check the app and nothing more. I have {$6500.00} in the account that i now can not access because of the freeze. To my knowledge i believe the trigger behind it were transactions that declined from my checking account due to insufficient funds. All my money was in my savings account ( XXXX ) and i forgot to transfer over some money the night prior to pay for everything. It was 8 transactions that declined over night which in my opinion may have triggered the fraud alert system. I've tried to speak to SoFi customer service about this but they still do nothing and tell me to just check the app. I have my car payment due, my rent is due, i have multiple bills i must take care of but now i can't because of this freeze and it's been quite frustrating. I'm also an investor in the stock market and make great income doing that as well and have been using SoFi checking and savings to recieve my income when i transfer funds from my portfolios. I need my account unfrozen and to get access to my money IMMEDIATELY! I recently moved from XXXX to XXXX and I havent changed my address yet for my bank.
Consumer complaint received 2020-07-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: UHG, LLC (CA)

I took out a payday loan with XXXX I didnt pay it back but have been trying to pay it back and have called and it says that the account was sold to XXXX XXXX XXXX. I have called the number and left them XXXX voicemails and they havent contacted me. However my family has been getting aggressive and abusive calls saying that if they dont pay or transfer the call to me that they will send me to court. Then I answered once and right away they asked me for my social and then when I told them to send me a letter to verify they amount I owe they started abusing me over the phone saying no you have to pay now or we will send you to court and I kept asking them so send me a letter and they hung up. Its frustrating because Im not neglecting to pay off what I owe which is {$290.00} but they arent really connecting me to the right people and they are just calling me and my family abusively and using a fake phone number. The number that appears on my phone is the XXXX XXXX XXXX number, therefore they are acting fraudulent.