davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (SC)

On Friday XX/XX/XXXX, I took my children to see XXXXXX/XX/XXXX at the XXXX XXXX XXXX. While there, my card slipped out of my pocket and someone must have picked it up. The following are the charges incurred and the dates as well : - XX/XX/XXXX - XXXX XXXXXXXX XXXX  : {$48.00} - XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX : {$72.00} - XX/XX/XXXX - XXXX : {$11.00} - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$91.00} - XX/XX/XXXX - XXXX XXXX : {$23.00} - XX/XX/XXXX - XXXX XXXX : {$250.00} TOTAL : XXXX I noticed the fraud when I checked my account on the evening of Saturday XX/XX/XXXX. I immediately cancelled my card and contacted the Bank 's Customer Support line ( Chime ). They informed me that since the charges were still pending that they could not process a dispute and that I would have to wait until the payments process, giving me no way to reach out to these vendors and/or their credit institutions. 
On Monday, XX/XX/XXXX, I was able to file XXXX disputes for the fraudulent charges ( you can only have XXXX charges total on one dispute ). Those claim numbers are XXXX and XXXX. Chime provided temporary credit for XXXX of those charges ( Food Lion for {$91.00}, XXXX XXXX XXXX for {$48.00} and XXXX XXXX for XXXX ) and claimed the rest would remain in limbo until they finalized their decision. 
On Thursday XXXX, I received notification that Chime states that no error occurred and that my claim would be closed. I rebutted, received a police case XXXX  with the XXXX XXXX, SC police department ( # XXXX ) and informed Chime of these actions. Less than XXXX hour later, they responded and said that my rebuttal was denied that they were officially closing my claims and I am out of the {$500.00} that was stolen from me. 
I am waiting for the case to be available for viewing from the police department ( the intake call representative told me that it could be a couple of days ). Once I receive it, I will send it over to Chime ; however I'm not anticipating any support from their end. 
Chime is repeatedly stating that this issue is XXXX of my own doing, when in fact, it was theft, fraud, etc. I need help recouping these funds. I am a single mother and this money was supposed to go towards our housing and utilities ( first of the month ) for XXXX. 
I only started having funds deposited to this account a little over a month ago when my husband and I separated. I wanted to have a safe space for my finances while we undergo a divorce and this was the quickest and easiest account to use at the time. I am highly disappointed in Chime & their customer service team
Consumer complaint received 2022-10-19
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)

This is my first complaint that I ever sent, but I can't express my fillings about how Credit Bureaus neglected my rights as a consumer and violated the law. I have sent to Credit Bureau agency disputing letter regarding accounts on my report that MUST BE REMOVED. 
My first letter was mailed on XX/XX/2022 and every other 35 days, All my mail was sent with certified receipts and return card. So I keep my records. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, - I'm providing these accounts number as they appeared on my credit report. 
15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate.

It is my sworn statement that, 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of 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 trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports.

For your convenience am including with this complaint : copy of my driver license, copy of my SSN card, copy of proof of address, FTC report, I have also submitted FRAUD Report.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

Since XX/XX/2020 my bank, Citibank has done a combination of the following actions in the span of XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX ( XXXX ) times : XXXX or denied use of my XXXX Debit/ATM card after routine transactions made by self or on behalf of self XXXX or Denied use of my XXXX Debit/ATM card in XXXX XXXX XXXX XXXXXXXX XXXX XXXX  '', on my device referred to as " XXXX XXXX '' after routine transactions made by self or on behalf of self Failed to deny use of my XXXX Debit/ATM card physically and/or through XXXX XXXX XXXX XXXX after non-routine transactions by self or others Any of the above mentioned resulting in waits of greater than XXXX XXXX XXXX XXXX XXXX XXXX 
Denied verification options and/or failure to establish verification tools Made false claims as to the status of my card and/or account or other false statements regarding the use contractual agreement between myself and the bank.
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (RI)

CREDIT BUREAUS ARE NOT VERIFYING OR VALIDATING DEBTS AS REQUIRED UNDER FAIR CREDIT REPORTING ACT. THEY HAVE NOT FURNISHED ANY AUTHENTICATED DOCUMENTS AS REQUIRED PER THE ACT. THEY HAVE INGNORED MY REQUEST FOR XXXX 'S AND COPIES OF THE XXXX XXXX FORM WHICH GIVES THEM AUTHORIZATION TO DISCUSS ANY INFORMATION REGARDING MY SOCIAL SECURITY NUMBER. Notice, it is a fact, I am aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation XXXX XXXX XXXX XXXX is a fraud committed or attempted using the identifying information of another person without authority.
Consumer complaint received 2022-11-03
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: ADIR INTERNATIONAL LLC (CA)

Curacao ran my credit on XX/XX/XXXX and reopened an old account that was last used in XXXX and charged $ XXXX, then ran my credit agin on XX/XX/XXXX. 

I did not re-open this account. I contacted them but they seem to not care. Ive filed a police report and completed a notarized fraud affidavit with a copy of my ID and social security card so they can see it is not me who re-opened this old account. Ive also filed a complaint with the XXXX 

I visited the Curacao headquarters in XXXX  on XXXX, but the fraud investigator did not want to speak with me and the people there did not want o give me her name or email or phone number either. What kind of business is this that re-opens old accounts fraudulently? Ive explained I didnt re-open the account and the address they have on the account is in XXXX XXXX CA Ive never lived in XXXX XXXX Also the phone number is a XXXX area code and Ive never had a number like that. I gave Curacao a copy of my utility bill so they see where I live. I dont know what else to do to get this account closed and the address removed from my credit report. Please help me because who knows how many other victims there are as a result of this companys fraudulent practices.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (FL)

THE HOME DEPOT/CBNA - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX SD XXXX XXXX - Past due report - {$83.00} {$2500.00} Open balance {$5000.00} Credit limit Problem- CitiBank continues to charge me for this card even though Home Depot has asked me not to pay until the dispute has been resolved. Home Depot Case ID : XXXX Dispute Amount : {$2500.00} Date Submitted : XXXX This card is in dispute pending when the XXXX  I purchased from Home Depot functions as intended and passes county inspection which it has failed. I only made one payment before Home Depot asked me to stop making payments until this matter was resolved. 

On XX/XX/2022, I ordered a XXXX  from Home Depot for {$6500.00} and XXXX installed it. I paid {$4000.00} in a debit card and charged {$2500.00} to a Home Depot credit card issued by CitiBank. Shortly after installation, I noticed that the system was not cooling. I called XXXX and was told to give it a few days. On the XXXX of XXXX, I sent an email after several calls notifying them of the system 's failure to cool. They sent out a representative, but the issue was not fixed, I called again on the XXXX and then sent an email. In the email, I asked that they remove the system from my property, and they sent a technician instead to work on the system. XX/XX/XXXX, I filed a complaint with the XXXX, the company was notified and agreed to fix the problem. XXXXXXXX XXXX XXXXXXXX continue to blame the XXXX  and send out technicians even though the system was not cooling. XXXX, XXXX admitted to installing the wrong size system which according to them should have been a XXXXXXXX XXXX instead of a XXXXXXXX XXXX 
XXXX finally re-installed a new XXXX XXXX  to fit the size of the home, but the system was still not cooling as intended. During installation, the technician mentioned that the pipe had not been properly installed. They changed the air blower too because of airleaks which had caused my electricity bill to more than doubled in cost. 
Last month, they changed the system again to a XXXX XXXX and failed an inspection from the county. 
Here is a list of the issues pending to pass XXXXhe county inspection - Need to reseal supply plenum and check coil panel, can feel air leaking into garage. XXXX [ ] Equipment size increased from XXXX ton to XXXX ton, need to provide manuaXXXX XXXX XXXX calculations, XXXX XXXX equipment selection, and XXXX XXXX  duct sizing. XXXX, XXXX [ ] Garage does not meet requirement as unconfined space for XXXXXXXX XXXX. Need to provide combustion air from exterior. XXXX [ ] Need to verify furnace air flow meets minimum per manuf. instructions, see page XXXX. XXXX. 

I will like CitiBank to connect with Home Depot and stop charging me on this card. The installation of a faulty XXXX  has not only increased my electricity bill by double, but it has also caused me sleepless nights and health concerns. 

Thank you!
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DISCOVER BANK (CA)

XXXX Credit Report contacted me to avail to a free Trail for a month. I tried but they asked for a Credit Card before I can start. I gave my Discover Credit Card. 

XXXX XXXX XXXX is very inconvenient and it does not work. So I canceled it, This was at the height of the Covid Pandemic. I got infected with XXXX and was XXXX, then I suffered from XXXX XXXX and still is suffering from XXXX XXXX. I am taking a lot of medicines which keeps me drowsy and feeling lousy ad sickly all the time coupled with XXXX from taking XXXX Drugs. The reason that I was not checking the charges of my Discover Card. 

I am a XXXX old proud Retired XXXX XXXX XXXX  that was making good money and was my paying 20 % taxes. Being retired and my Social Security Retirement Pension is barely enough to survive. 

I am being abused by these scammers- XXXX Credit Report which has affected my Quality of Life. I have a lot of charges in my Discover Credit Card due to these Illegal Charges. 

I already filed a complaint with Discover who credit back the monthly charges, but later on, Discover recharged my account again siding with XXXX. 

I called Discover and filed a Dispute, but they will recharged these XXXX Charges again. 

Please help me. This is a scam and also a Seniors Citizens Abuse. 

Thank You so much! 

XXXX XXXX XXXX
Consumer complaint received 2022-07-11
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)

XXXX XXXX XXXX  account no. XXXX ..... 

is not mine do a complete re-investigation XXXX account no. XXXX .... is not mine XXXX  account no. XXXX .... is not mine XXXX account no. XXXX .... is not mine XXXX XXXX account no. XXXX .... is not mine does not belong to me
Consumer complaint received 2022-07-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite 3 previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-07-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Had a card with XXXX XXXX XXXX XXXX XXXX Account defaulted. I called to settle the account. I asked them if they would do a Pay delete deal. They told me if I paid the settlement amount they would remove the account from all 3 credit bureaus. I paid the amount they asked for but it is still showing on all 3 bureaus and affecting my credit.
Consumer complaint received 2022-07-11
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. (MD)

I XXXX XXXX have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the account numbers XXXX, XXXX****, and XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an 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. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( XXXX ) be removed from the following account ( XXXX ) immediately. XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2022-07-10
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. (SC)

In accordance with the Fair Reporting Act, 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 an account without my written instructions.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (IL)

I have attempted to download a copy several times to send the sites will not allow me to. I have disputed this on all three. I recently mailed a copy to all 3 credit reporting bureaus to update. My debt should reflect {$22000.00} minus the loans that are paid in full that should be reflected as 3-4 months ago this is defamatory and derogatory to my character.
Consumer complaint received 2022-08-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc. (TX)

Conns appliance took advantage of me by offering and advertising to 0 % interest for 12mts they offered a certain credit limit i only took part of it to later find unwanted and requested extented warranty coverage charge as well as insurance.. when I call and canceled these added my own insurance bringing my account balance down then hit me a late charge and cancel my 0 % and charged me interest for my account since the beginning they say this was stated in my contracted but my cintract was not gone over at the location this was never metioned to me or i would have never open the account these type of XXXX  loans should be illegal in the US i would this to be investigated
Consumer complaint received 2022-11-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MO)

I closed on a VA loan assumption with M & T Bank on XX/XX/2022. I have run into multiple issues with M & T Bank both before and after closing. Most recently : 1. The loan number provided to me prior to closing is different than the loan number now referenced on a letter dated XX/XX/XXXX and addressed to me. The loan number referenced on the letter is the same loan number as that which belonged to the former/original borrower. 

2. Because I was given the wrong loan number, my homeowners insurance declarations page references the wrong loan number in the additional interest information, potentially creating future issues with escrow payments and/or payments for insurance claim proceeds. 

3. I can not register for online account access with EITHER loan number. I receive an error message either way that the information I entered does not match the information they have on file. 

4. The aforementioned letter was mailed to the mailing address for the former/original borrower. I have never provided that address as my own mailing address. Because of that error, the letter was received by the former/original borrower first and did not get to me until XX/XX/XXXX, after that person returned it to XXXX. 

5. The aforementioned letter indicates payment in the amount of {$1400.00} is due XX/XX/2022. My closing statement confirms I paid that same amount as part of my closing costs on XX/XX/2022, and on the closing statement it is specifically indicated that the amount was for the XXXX payment.
Consumer complaint received 2022-07-10
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)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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.