davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (IA)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MA)

On XX/XX/2023 my account was closed by XXXXThe Bancorp Bank due to suspected fraud. They are saying that my account was marked as suspicious and thereby closed because of cash deposits I did at XXXX through a service they offer. All of my cash deposits were from the tips I receive from my job as a server that I get in cash at the end of the working night. The amount of cash that I have deposited is less than the total amount of cash I have claimed on my paystub and they still refuse to refund my money. They have also taken all of the money that I received from my birthday as well as money that I received from payroll from said company. 

I reached out to chime on the same day, XX/XX/2023 with everything they asked and they have said that my account was not in compliance and that my money can't be refunded. In my opinion I have more than ample proof of every deposit I made including checks and feel that they are making a huge mistake withholding money from a very broke XXXX  that can't even afford to pay their bills at this point. 

As far as amounts, I deposited {$500.00} in cash on XX/XX/2023, {$320.00} on XX/XX/2023, as well as an {$80.00} check from my father for my birthday on XX/XX/2023. The amount that is reflected in my most recent paystub for cash tips is {$900.00}.
Consumer complaint received 2022-03-10
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: JPMORGAN CHASE & CO. (NV)

On thursday XX/XX/2021 I received a chase fraud alert text message stating that chase had declined a charge for {$74.00} for XXXX and asking if I had made the charge. The text stated I would not be charged unless I authorized the charge of {$74.00} again. I replied exactly XXXX minute later stating I did not make the charge. I received a second text message that my credit card would be closed out immediately, a new one would be sent to me and instructing me to review the charges on my card, which I did, and I called in to report the fraudulent charges, which included a charge for {$74.00} which somehow made it on my statement despite the fact that chase said it declined the charge and I advised chase immediately by text that I did not authorize or make the charge. I have since called in approximately XXXX more times because the charge has not come off, and it has been more than XXXX months since I initially texted with their fraud team and more than XXXX months since I called in to officially report it as fraud. I am getting charged interest and fees on the charge, even though I pay the rest of my bill off each month. Every time I call in I get a new story.
Consumer complaint received 2022-03-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

I've been very patient with the credit reporting agencies in regards to a late payment that is being reported on my credit file which is inaccurate. The late payment from creditor XXXX XXXX was reported in XX/XX/2021. I've reached out to the creditor directly and they've also stated there was no late payment on their end from me. I've reached out to the credit bureaus MANY different times and have either gotten hung up on after waiting on the phone for hours, have been told they haven't received any of my letters, or that the investigation is still under review. This has been an on going thing for months where the bureaus are dragging this out and continuously reporting information that's incorrect on my credit file. I've written multiple letters back when I first noticed the late payment reported, a letter in XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year. Its frustrating knowing that its inaccurate and Im powerless in resolving it. They've been pushing the investigation back for months, giving different answers, or hanging up when I get through to someone. I work 58 hours in a week and getting drained doing this. They've had plenty of time for the investigation. Its been way longer than 60 days! They can not keep taking advantage of me like this. PLEASE HELP!!
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2022 my Chase banking account got restricted because of a check I deposited online for {$5000.00} from my father who passed away. The check was not counterfeit and there was no issue with it. I reached out to chase support team and got transferred to the restriction team, they had me verify the check through the check makers phone number. They got ahold of them and everything was verified. They proceeded to tell me that they could not unrestrict my account until my check cleared the next day. So the next day it cleared, I called back and they went through the process of verifying but this time saying the phone number didnt match, but it was the phone number on the check and the same phone number they called the previous day and verified with. Then by the end of the call they told me they made the decision to close my account and hung up. I called repeatedly and got the same response with no way to unrestrict my account. Ive had the maker of the check go into their own branch to verify it, Ive done everything I could. Now my account will close in 10 days and I have no access to my account or funds over something I have no control over. I wont be able to pay bills or for food for 10+ because my account is restricted for no reason. And the final call I made today on XX/XX/2022, they told me chase can close an account without having to give a reason. I have absolutely no idea what to do and now Im stressing and panicking over how Im going to pay for things when I havent done anything wrong.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (CO)

A credit card at Citi Bank CNBA was requested using my information as well as a credit report pulled without my authorization. I received a text message stating that my credit was approved.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MD)

About one month ago, my bank account with Chime has been suspended for any reason. I called the customer service and they said I have to send email with my verification information, I did send the day and no responses. I received saying that they still need more information and I send them all document I have. They still saying that They can not verifies. Every day, I have to call 45 mins and talk to a manager and send 20 email but still received the same response. they say my account can not be restores if I do not send my information but all people I talked to saying they sent my information but I do not know why it still not resolve. I asked to close my account and the service customer saying it can not be close because it suspended. They holding my pay check from my job about 3 weeks now
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (MD)

My Chime XXXX Account was WIPED out of {$720.00}. In XXXX. NOT BY ME!!! 
XXXX XXXX - {$220.00} to XXXX XXXX XXXX payment XXXX XXXX - {$130.00} to XXXX 's XXXX payment XXXX XXXX pm - {$270.00} to XXXX 'S XXXX payment XXXX XXXX - {$100.00}. 
to XXXX XXXX XXXX payment My CHIME " XXXX BANK '' WAS TOTALLY WIPED OUT. IN XXXX!! I WAS ON THE PHONE WITH CHIME CUSTOMER SERVICE REPORTING WHAT WAS HAPPENING WHEN THE LAST {$100.00}. WAS TAKEN OUT OF MY ACCOUNT!!!!!! CHIMES FIRST INVESTIGATION SAID THESE PAYMENTS WERE LEGIT HOW IS THIS POSSIBLE???? 
THEY ARE NOT I HAVE NEVER EVER HEARD OF THIS STORE BEFORE OR LEASED ANYTHING IN MY LIFE. I HAVE NEVER HEARD OF THIS STORE BEFORE THIS HAPPENED TO ME!!! 
THIS IS MY HOUSE PAYMENT MONEY!!! 
I CANT GET A STRAIGHT ANSWER FROM CUSTOMER SUPPORT IF THIS IS BEING RE-INVESTIGATED?? I HAVE NOT GOTTEN ANY KIND OF PROVISIONAL CREDIT,,,, I'VE GOTTEN NOTHING,!!! MY BANK ACCOUNT IS {$0.00}. 
IVE WROTE EMAIL 'S TO ANYONE WHO WILL LISTEN. I AM AT MY WITT 'S END. 
THIS LEFT MY ACCOUNT - {$12.00}. I HAVE NEVER BEEN MINUS IN MY ACCOUNT EVER!!!! 
I AM XXXX YRS OLD AND I LIVE ON XXXX... 
I DONT KNOW WHO OR WHAT ELSE I CAN DO. IVE TRIED TO FIX AND INVESTIGATE THIS MYSELF BUT I AM GETTING NO WHERE. FAST. I CAN'T AFFORD A LAWYER OR EVEN IF THERE IS ONE TO HELP.

PLEASE, PLEASE, PLEASE, PLEASE,,,,,, " HELP ME '' AGAIN I LIVE ON XXXX I JUST TURNED XXXX. I HAVE NO WHERE OR ANYONE TO TURN TO. 
IN THE MEAN TIME MY SAVINGS ACCOUNT AND CHECKING ACCOUNT ARE BOTH " {$0.00} ''. IVE CALLED MY BILLS BUT THEY WANT THEIR MONEY. 
PLEASE, PLEASE, PLEASE HELP ME!!!
Consumer complaint received 2022-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (WV)

The only way to get my money out of XXXX XXXX Account in excess of $ XXXXmo is to wire transfer it to another institution with a fee of {$25.00}. I attempted to transfer {$50.00} ; XXXX from XXXX XXXX to my Chase Bank Private Client checking account so I could set up a new investment account with them. The transfer was to take place XX/XX/2022. I spoke to XXXX Wire Transfer department who said everything looks good and the transfer went through. On XX/XX/2022 I notice that there was a {$49000.00} deposit into XXXX XXXX account with a {$15.00} fee. I asked XXXX what was that about and they said Chase rejected the transfer and kept {$50.00} of my money. XXXX refunded {$15.00} for the inbound transfer fee since I wasnt the one who requested it. I called Chase and they said theyve never received a wire transfer for that amount this year and did not charge me a {$50.00} fee. I called XXXX back and they said it was Chase that kept the {$50.00} and gave me a Federal transaction number for Chase to look it up. I called Chase on XX/XX/2022 and gave them the transaction number and they said they needed 48 hours to investigate it. I called them back XX/XX/2022 and they said the reason it got rejected was it didnt have my name, just my checking account number so they took {$50.00} and sent the rest back to XXXX XXXX I asked for proof of this transaction and charge in writing and they said they were unable to provide that. I find this highly unethical. I searched everywhere I could look online for Chase rules on wire transfers and fees and never found any of what Ive witnessed, therefore, to me, this feels like Ive been robbed.
Consumer complaint received 2023-07-25
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)

In accordance with the fair credit reporting act, XXXX XXXX XXXX Account has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1668B : A creditor may not treat a payment on a consumer account under an open end consumer credit plan as late for any purpose. 

This creditor 's XXXX XXXX XXXX account XXXX XXXX XXXX  is not mines and I never had a account with this creditor. 

Kindly take this misleading creditor account item out of my credit file as it isn't me. Please And Thank You.
Consumer complaint received 2022-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc. (CA)

There is no information about this account and it appeared on my report, they have never tried to contact me and are in HIPPA violation. The new law states that it has to be 180 day late and I have no outstanding medical bills ever received. So I do not even know what this is about.
Consumer complaint received 2022-03-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2022-03-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

paypal closed my account and take my money for no reason, i was collecting donations from my friends and family to help my dad because he is in hospital, i am using this account for 6 years, now its closed and they take the donations, they asked me to wait for 180 but my dad is XXXX in hospital, i have read user agreement and i didn't do nothing wrong. XXXX XXXX
Consumer complaint received 2022-03-10
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. (MO)

XXXX 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 a right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I am currently disputing a medical debt with a collection agency and hospital. I submitted a request to EquifaxXXXX on XX/XX/2022 to mark the debt as disputed on my credit report, but all three have not done so, and I have received no acknowledgement of my dispute or any investigation.
Consumer complaint received 2022-06-05
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)

This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, also date of last payment, and no. of months inaccurate. This grounds for removal. 

These Accounts include : XXXX and account # XXXX XXXX  XXXX  and Account # XXXX They also violated my rights under : 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.

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I also affixed copy of report from Equifax and XXXX where they stated that my account is verified and also there is a copy of my recent credit report showing inaccuracies.
Consumer complaint received 2022-03-10
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)

While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to Equifax and XXXX, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2022-06-05
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. (NY)

Hi, sorry to bother you. I had an account with ( XXXX ) and they made a business decision to close out all of their consumer 's credit cards and open up new credit cards using the personal information that they already had. They mentioned that they alerted the consumers of this change but I didn't receive notice. I never gave anyone permission to open up a new account using my credit information. I wrote to all 3 bureaus and contacted my local attorney general 's office as well as the company ( XXXX ) I don't think it's legal to take someone's personal identification to open up an account on their behalf because it's beneficial to your company. I never opened a new account. I asked the company repeatedly to close and remove this tradeline that I didn't open nor gave permission to open and I keep getting a runaround. They finally closed the account but are refusing to remove it from my credit report. The company is at fault for failing to confirm with the consumer beforehand when it comes to opening up a line of credit using someone's social security number and other identifying factors. XXXX works with individuals that have poor credit, bad credit, and no credit. I feel this is predatory as well because I don't think this happens with other companies, I have several other cards and this has never happened. No one should have the right to open up a line of credit in your name, even a business that already has your information. Below I have included letters from XXXX mentioning that 1 ) It was a business decision 2 ) There was nothing the consumer could do about it ( even though it's the consumer 's information ) 3 ) They clearly state that the consumer didn't open a new account. Thank you for your time, I hope you can help.
Consumer complaint received 2022-03-10
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. (GA)

These accounts should NOT be reporting on my credit file, as the medical center was instructed to bill my insurance carrier before these accounts were falsely placed in collections. There are also duplicate accounts reporting on my credit file ( See below ), which is causing severe damage to my credit worthiness and is preventing me from accessing new lines of credit. These accounts are injurious to my credit, I have sent in 2 separate re-investigation requests to Equifax for the following inaccurate accounts : Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance - {$150.00} ( Non-compliant reporting ) Account Name : XXXX XXXX XXXX  - Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) Account Name : XXXX XXXX XXXX  - Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) The first re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 10 days ) and the second re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 14 days ). On both occasions, the above-referenced accounts have come back as " verified. '' I have requested the method of procedures be sent to me ( via us mail ) explaining the procedures used to verify these accounts and to date, Equifax has ignored my requests, which is my right under the FCRA. XXXX XXXX XXXX has also failed to provide me a notice of debt, prior to inserting these alleged accounts onto my credit report which is a violation of my consumer rights. I was not provided the opportunity to request validation of these alleged debts. I have disputed these alleged accounts with Equifax, as well as the collection agency, and both parties continue to verify this alleged debt without properly investigating, which is violation of the FDCPA and FCRA.
Consumer complaint received 2022-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MI)

I vrecently checked my credit report and discovered that there was an address ( XXXX XXXX XXXX, XXXX, Michigan XXXX ) and, theres a cellphone in my name associated with that address. I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX ( no ) XXXX XXXX XXXX. XXXX. I presume that no proof of the alleged debt nor any such debt in fact therefore exists.
Consumer complaint received 2022-03-10
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)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with XXXX plus days of no response.