davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (IL)

End of XXXX I have made a payment to Barclays XXXX for {$390.00} using my bill pay with an outside bank. Since the payment appeared to meet the deadline I have called Barclays and I was informed that the payment was never received. Subsequently I then paid the whole amount of the statement plus some pending activities over the phone at around {$1200.00}. I was also advised to put a stop payment on the missing check which I did. However the company informed me that the payment was actually processed despite being told that the payment was never received resulting in {$39.00} payment denied charge. On XX/XX/29 I have made 3 phone calls with the following results : Call # 1, the CSR couldn't locate the charge stating that it doesn't exist. When I questioned whether she was properly trained to even look up the account I was put on a very long hold to verify the info and then hang up on. 
Call # 2, I called the call center and after a long hold transferred to the supervisor, XXXX. After the verification, the call was subsequently disconnected by the supervisor without warning or cause. 
Call # 3, I finally called and after undergoing a verification process transferred to the supervisor XXXX. XXXX took many notes on the account and at the end informed that that regardless if there was a " miscommunication or not '' he doesn't have an authority to remove the {$39.00} charge. 

It is obvious that Barclays XXXX is doing business this way to accrue unnecessary fees. Not only after many problems I was finally sent a paper bill which I requested for weeks, and now the company is misleading the consumers on whether the payment has been received on not. The transaction log shows that by the time I was told the payment was not received it actually was received but not processed. That's the reason I opted to pay in full while putting a stop payment on the check that should have been processed to begin with.
Consumer complaint received 2022-07-30
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. (MD)

Account Name : XXXX XXXX Account Number : XXXX The credit bureau reported information on my credit report that they have been unable to verify and that I have not consented to. 

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions. 

I requested an investigation into the account and the credit bureaus have failed to provide me with any verification of this account. I can not trust the accuracy of this reporting with several inconsistencies in the alleged information. If this account is truly accurate, the information reported across all bureaus ( including the date last active and date last reported ) would be an exact match. 

Because of these inconsistencies I specifically requested the contract, note, or any other instrument bearing my signature. I requested bank transactions that belong to this company that would prove my payments were not accepted on time. As part of the verification investigation, I also asked for the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Again, the credit bureau was unable to provide any of these items or any other documentation verifying a thorough investigation was completed. 

As a result of this unverifiable information, I request that the reporting of this account be removed from my credit report.
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

On XX/XX/2022 Chime closed my account for violating terms and conditions after a review. I was not given a specific reason why even after replying and requesting more information as to how decision was made. All they did was refer me to the user agreement which does nothing to indicate why my account was closed. It is just too vague to help me at all. I can not call them, as the auto message refers me to the email. I can not login to use chat, as my login credentials are no longer valid. 
So, after several years without a problem, now my money is gone and my future deposits are going to be returned. Any help would be appreciated here. 
Chime also did nothing to help me with multiple disputes I had with a single merchant that never sent my orders. I had over 20 orders that I never received over course of 12-14 months and Chime customer service said that I could open a dispute for each transaction I never got from the merchant. So, back in XXXX of XXXX, after spending hours on phone and collecting all the documents proving that I didnt get any of the orders, they almost immediately denied the claims and any appeal and then sent me a letter accusing me of falsely opening disputes to get temporary credit. This was a real slap in the face. I was absolutely floored. What am I supposed to do when I dont get the stuff I paid for? Chime doesnt care and accuses me of fraud. My first few years I promoted Chime, but these last few months have shown me that they are not to be trusted. Thank you for your time. Respectfully.
Consumer complaint received 2022-09-02
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

My information has been compromised and someone has been using my cards and purchasing things online. Last month I began to see unusual charges on my credit card so I called and disputed them charges at stores hookah bars and clubs. Almost {$600.00} on my credit card. I also seen a charge from XXXX for a total of {$540.00} which I also did not make so I contacted the bank and was issued a temporary credit which was taken back from. someone mustve have stolen all of my information and used my cards in order to make purchases. I have also filed an identity theft report.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

To Whom It May Concern : I opened a credit card with Chase and the card number was XXXX. I was unable to claim the rewards from the credit card, so I decided to close it. When I talked with the Chase representative to cancel the card on the phone, she told me that I could get a refund of the annual fee of {$69.00}. Since I had an outstanding balance at that time, she suggested that I could deduct the {$69.00} from the balance and pay the remaining portion of it. I did that, but found out that in a month that the {$69.00} was never refunded to me and it became overdue charge on my account. I called Chase credit card hotline again on XX/XX/XXXX, and the representative told me that the it takes two cycles for the annual fee to be refunded. He suggested that I should get the refund by XX/XX/XXXX. But if I dont get the refund by that time, I should go ahead to pay the {$69.00} to avoid it from being overdue again. I paid the fee in XXXX as I didnt see the refund, and I called Chase XXXX on XX/XX/XXXX. The representative told me that hes going to check with their tech team about the conversations I had with the representatives in the past, and send me a response in mail later. However, there was no mention of the conversations in the mail Chase sent me later. 

I went to the Chase office to try to resolve the matter. The representative in the office called the credit card center on my behalf, and asked me to write a letter to explain the whole thing because the card was closed. I wrote the letter and sent it to the Chase representative on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Chase credit card center stating that they couldn't refund me the annual fee because the card was closed. 

I was very frustrated with the whole process because two representatives from Chase promised me that I will get the refund of the annual fee, and I had a recording of one of the conversations. However, the story completely changed after I paid the fee in full, and they never sent me any reply regarding the results of their tech teams investigation. Later they even rejected my request for the fee refund on the basis that the card was already closed! The card was closed when the representative promised me that I would get the annual refund. They never answered my request to get those conversations I've had with their representatives as evidence of their promise to refund me back.
Consumer complaint received 2022-12-07
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. (FL)

in accordance with the fair credit reporting act XXXX 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 2022-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Johnson Mark LLC (AZ)

On XX/XX/2022 I was sent communication from my payroll department about a wage garnishment. I went to the courthouse and filed a motion to stop wage garnishment. I called Johson Mark LLC at XXXX and spoke to a representative who informed me the call was recorded, I told her that the debt was not mine, it was my sisters debt and I was not a spouse to her, the rep told me that she would send an Email to the attorney and to follow up. I followed up and the next rep I spoke to looked into the Email and I was told that the garnishment would not be stopped, I told her that I was not responsible for the debt and she began to be condescending and basically told me that theres nothing I could do. After advising the firm that its not my account and Im not responsible for the debt. It is embarrassing that my employer has to deal with this which is not mine. Its causing a hardship on to me, it is affecting my emotional well being. Im constantly worried. This is not right to do to people that advice that the debt is not theirs and still no communication. Im not the first person this company had unreasonably gone after people and harassment. What proof is there that 1. I am responsible for her debt 2. She is in fact my sibling. My rights have been violated and Im seeking to be reimbursed for monies with held through this unfounded obligation of this debt.
Consumer complaint received 2022-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

Listed Below you will find items reported on my XXXX Credit report that 1. Do not belong to me, 2. I have no knowledge of this account, 3. Written instructions were not give in in accordance to 15 U.S. Code 1681b ( 2 ). 

- XXXX XXXX XXXX {$700.00} - XXXX XXXX XXXX {$960.00} - XXXX XXXX XXXX {$1000.00} - XXXX XXXX {$1100.00}
Consumer complaint received 2023-03-20
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX : {$1900.00}.
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (PA)

During the time frame of XX/XX/2022 through XX/XX/2022 multiple purchases were made through a single merchant portal, XXXX, on my Chase Sapphire Reserve Card. 
The purchases that were made were enhancements to a service. The service quality had severely diminished over the course of the use ( disconnections, removal from the app store, inability to log in ) to the point that the service is no longer accessible to me. I had attempted to contact the merchant on multiple occasions with no response. I attempted to contact XXXX but they pointed me in the direction of my credit card issuer. 
As the service / product that was purchased was no longer being provided I had filed disputes for all charges to this merchant, XXXX, between the dates of XX/XX/2022, and XX/XX/2022. These disputes were denied by the credit card provider stating that they did not protect their consumer for these types of purchases. 
My rebuttal at the time was that these services were purchased and then removed. I no longer have access to the product / service which I had purchased. It would be like if I had purchased a car, been given possession of said car, and then the dealer removed the engine from said car after a specific period of time. While I had received the product, it was rendered unusable.
Consumer complaint received 2022-12-07
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: Elevate Recoveries, LLC (TX)

FCRA Violation student loans not mine U S DEPT OF XXXX U S DEPT OF ED/XXXX U S DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX FCRA Violation inquiries not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-30
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: EQUIFAX, INC. (NY)

I have been disputing erroneous items with the bureaus since XXXX of last year ( XXXX ). 

XXXX XXXX and XXXX are my biggest concerns right now. 

XXXX XXXX is reported incorrectly. Each bureau reports a different date of last active. XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX and the payment status is : was past due XXXX or XXXX times. That's not even possible or accurate. It must be concise according to laws that govern credit. Equifax reports the date last active as XX/XX/XXXX and they keep reporting payments after it's closed. this is inaccurate and should not be on my report. They refuse to correct this. 

XXXX should not be on my report either. XXXX reports the Date last active as XX/XX/XXXX. XXXX reports the date last active as XX/XX/XXXX and they are reporting activity on a closed account. Equifax is also reporting the date last active as XX/XX/XXXX with current payments on a closed account. They will not fix this and it's against FCRA guidelines
Consumer complaint received 2022-12-21
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Number : XXXXXXXX XXXX XXXX XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX 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 a account without my written instructions 15 U.S.

C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-30
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (FL)

I have no knowledge. it has been disputed on several occasions and has never been confirmed as my personal debt. This debt is not mine, it could belong to someone with a similar name or address. 
Credit Report In accordance with the Fair Credit Reporting act 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 2022-09-27
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-23
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: EQUIFAX, INC. (NY)

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$69000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$57000.00}
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I am writhing about XXXX XXXX XXXX XXXX This account is inaccurately reporting a 30-day delinquency on my credit. I have reached out to the creditor and reporting agency to have this deleted and to this day it has not. There are numerous inaccuracies with the reporting of this account, which include but not limited to : inaccurate delinquency, inaccurate high credit amount, not showing any date of delinquency but reports a 30 day late, inaccurate payment amounts, and not updating my credit profile that the account was in dispute with the credit reporting agency or creditor. This has had an extreme NEGATIVE impact on my report, and I asked that it be removed immediately. If for whatever reason it is not removed, I am asking that I be notified in writing with proof supporting the decision and explanation of all the discrepancies with involving the reporting of this account.
Consumer complaint received 2022-07-30
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. (MI)

This account is not mine, some used my information without my knowledge to initiate this account. I have applied for credit and employment and have been denied due to this fraudulent account. I have tried to work with each bureau to resolve this issue to no avail, limited correspondence and not in a timely manner.