davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC. (CA)

To be foward to XXXX : This is reporting negatively on my account and needs to be addressed ASAP as these are not my account nor am I liable. I have a police report I have attached for proof. The following should be removed/ deleted from my credit file. 

( 1 ) Kay Jewelers ( Date Opened : XX/XX/2015 ) Balance : {$0.00} ( USD )
Consumer complaint received 2021-10-02
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. (IA)

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with Equifax about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who gave Equifax permission to report anything on me? I need answers now!
Consumer complaint received 2021-08-03
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: Experian Information Solutions Inc. (IL)

I XXXX XXXX am a natural person and a consumer of the US. I recently reviewed a copy of my consumer report and noticed unauthorized inquiries. The fact that these inquiries are reporting is identity theft and fraud. Attached to this complanit is a letter and identity theft report sent to Experian to block and removed these unauthorized inquiries.
Consumer complaint received 2021-09-21
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: Self Financial Inc. (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Inaccurate information reporting on my credit report that are not mine. I have contacted XXXX, Transunion, XXXX several times via phone, online and via first class mailings on many occasions in regard to inquiries that is reporting inaccurately. I even provided a police report and I get the same response each time that they have been removed but they are still appearing on my report. It makes it look very bad on my credit report and reporting negatively/inaccurately. I am trying to finance something on my credit report and it makes it very difficult when theyre checking my credit and this inaccurate information is appearing. I have disputed and reached out to XXXX, Transunion, XXXX several times and they say the same thing over and over, that we have removed them but they have not sent me anything in writing with proof of the removals. After they were going to mail out letters confirming the removal of the disputed inquiries. XXXX, Transunion, XXXX needs to provide proof of validation of these being removed and the results of my disputes. When I call XXXX, Transunion, XXXX they keep telling me that their handling it and I should see an update and I never do. The last rep I talked to stated he was taking care of it only to find out he had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following inquiries is what is being reported : XXXX XXXXXXXX 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  How can all the bureaus be using the same information, but some bureaus are reporting correctly & the others are saying verified which is totally incorrect. In addition my XXXX and Transunion score does not reflect my credit profile.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OH)

It all started on XX/XX/2023. I filed a claim with Chime about unauthorized transactions. They gave me a total of XXXX in which multiple atm fees were not included. They said the time frame was 10 days to receive a provisional credit and up to 90 days for the investigation. My case was closed out within 5-7 days excluding the weekend. I called them back when I got the alert and told them they could not have done an investigation on my behalf due to the time frame the dispute was closed. The rep then entered a rebuttal ( reluctantly ) and stated I would have to wait an additional 10 days. I waited and a provisional credit was given. They closed the case shortly after and waited until my account showed a substantial amount so they could charge the provisional credit back to me and then debited my account. Once I found out I called them again and opened up another rebuttal after seeing the information they provided. This time I was assured my claim would be processed as I was told but when I called them no record could be found. The reasoning was so vague and incorporated the same info I gave them in my initial claim. So I called again, spoke a floor manager in which filed another rebuttal. I have talked to 2 or 3 floor managers and they all just want me to get off the phone and not handle my issue. Each time it is 10 days, so I have been waiting for 40+ days for them to do a proper investigation. It would be more for me because I count the weekends. I have been with them 4-5 or more years and never filed a claim! Enough is enough and I want my money back asap!! The dates and claim # XXXX filed is XXXX XX/XX/2023, another date in between in which they did not want to give me per the reps that answered my call. A floor manager stated the next was XXXX on XX/XX/2023, XXXX on XX/XX/2023 and used the initial dispute # under the third time claimed which is the 4th or 5th being XXXX on XXXX. No # XXXX came like this before with indicates they are alerting someone to my issue! Please help me in recouping my funds as I do not want anything to do with this company again and i will be alerting all my friends and family about them not having support once fraud or whatever issue they face!
Consumer complaint received 2023-03-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: FMA Alliance, Ltd. (MS)

Letter sent XX/XX/2023 saying owed a debt that wasn't mine. Keeps calling me at XXXX and sending lettersto my address XXXX XXXX XXXX XXXX, Mississippi XXXX. The debt is now mine or XXXX XXXXXXXX XXXX. It was paid in full, last year. Please stop.
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VeriCore, LLC (NY)

I still have no idea why, but in XX/XX/2021 I got an email from a print shop I used to use saying I had an outstanding balance of {$1500.00}. This is false, has always been false, and will forever be FALSE. 

XXXX XXXX from " VERICORE '' has emailed me and my partner DAILY, since then, despite my efforts to show the initial company very clear proof that I don't owe them any money, and my continued efforts to inform VERICORE that their client has absolutely gotten something wrong. 

VERICORE has ignored all of the material proof I have provided to them to support this fact, only sending nonsensical " threats '' day after day in order to attempt to collect a debt that doesn't exist.
Consumer complaint received 2021-08-03
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: EQUIFAX, INC. (MD)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (FL)

I attempted to reach this company by phone yesterday XX/XX/21. I advised them that my boss had received a collection letter which we need to dispute but that I do not need any account information, just two pieces of contact information. ( 1 ) Is there a fax number where we could send a dispute so it can be verified received faster? ( 2 ) Is there an email address for the same reason- for XXXX XXXX ( signed the letter ) or anyone else? 

They flat out refused to give me CONTACT INFORMATION for CHOICE RECOVERY. They kept telling me for privacy reasons they could not give out account information. Well, of course not, which is why I wasn't asking for account information. I asked for contact information for a debt collection agency- and they REFUSED to give it to me.
Consumer complaint received 2021-09-21
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. (SC)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF THE WEST (CA)

XX/XX/XXXX ( XXXX $ ) XX/XX/XXXX ( XXXX $ ) XX/XX/XXXX ( XXXX $ ) XXXX ( XXXX $ ) In the matter of 2 weeks they hit me with all these fees no one can tell me why bank of the west hung up on me. It doesnt matter if theres money in the account or not every day I wake up and some type of new fee there. Id like a criminal investigation done
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (IL)

The complaint is two fold. First, the bank has been charging me a monthly fee since XXXX of this year for an account that was supposed to be free. Second, I withdrew any remaining funds in XXXX and asked them to close the account. After which, they did not close the account and instead charged another fee. Now they stating that I need to fund the account to cover the fee or they will send it to collections.
Consumer complaint received 2021-09-21
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: SYNCHRONY FINANCIAL (NY)

I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2018.
Consumer complaint received 2022-08-03
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. (FL)

The accounts listed on my credit report were open fraudulently. I did not open nor did I authorize anyone to open these accounts. Attached is the letter I sent and the supporting documentation that should have resolved this issue. As of today, the credit reporting agency has failed to comply with FCRA and has damaged my credit reputation.
Consumer complaint received 2021-10-01
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: CORELOGIC INC (TX)

I have contacted Police enforcement, submitted FTC Identity theft affadavitm, called XXXX multiple times, and the furnishers to explain about FRAUDULENT CREDIT INQUIRIES. I have submitted multiple CFPB reports about this problem. My personal information was used without my permission to applications. I demanded these fraudulent inquiries be deleted. I was told by XXXX rep that companies have to respond back to their request in 30 days for inquiries to be deleted but IT HAS BEEN OVER 30 DAYS YET FRAUDULENT INQURIES STILL ON MY XXXX CREDIT REPORT!!! 

1.CREDCO XX/XX/2021 2. XXXX XXXX XX/XX/2021 3. XXXX XXXX XXXX XX/XX/2021 4. XXXX/ XXXX XXXX XXXX XX/XX/2021 2021
Consumer complaint received 2021-10-01
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: ALLY FINANCIAL INC. (TX)

I have contacted Police enforcement, submitted FTC Identity theft affadavitm, called XXXX multiple times, and the furnishers to explain about FRAUDULENT CREDIT INQUIRIES. I have submitted multiple CFPB reports about this problem. My personal information was used without my permission to applications. I demanded these fraudulent inquiries be deleted. I was told by XXXX rep that companies have to respond back to their request in 30 days for inquiries to be deleted but IT HAS BEEN OVER 30 DAYS YET FRAUDULENT INQURIES STILL ON MY XXXX CREDIT REPORT!!! 

1.XXXX  XX/XX/2021 2. Ally financial XX/XX/2021 3. XXXX XXXX XXXX XX/XX/2021 4. XXXX/ XXXX XXXX XXXX XX/XX/2021 XX/XX/2021
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I have information on my credit from someone who lives in Texas who is using my identity. This abuse of my identity have me afraid. I am victim of identity theft. I want l security freeze immediately on all 3 bureaus. Please stop the abuse from happening to me immediately. They listed a job a job that is associated with me on my credit report that I know nothing about. Person is also trying to buy a car in my name, please help!!
Consumer complaint received 2022-09-30
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. (FL)

This account currently reports information illegally. Thoroughly investigate and update with lawful accuracy. Below is the account from my credit report : No Category XXXX XXXXXXXX # XXXX
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc. (NJ)

I LOOKED ON MY CREDIT REPORT AND I SAW THAT THERE IS AN ACCOUNT THAT I DID NOT AUTHORIZE OR BENEFIT FROM I HAVE ATTACHED AN FTC REPORT IN HOPES OF GETTING THIS ISSUE RESOLVED I NEED THIS FRAUDULENT ACCOUNT REMOVED
Consumer complaint received 2021-10-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (FL)

I purchased a vehicle on XX/XX/XXXX, the loan amount was {$31000.00} I made what should've been a principal payment on XX/XX/XXXX any amount of {$4500.00}. Wells Fargo split this payments into {$1400.00} went to web direct payments paying the next three payments out till XX/XX/XXXX. They apply the additional {$3000.00} the principal. On XX/XX/XXXX I made a principal only payment of {$4900.00}. On XX/XX/XXXX I made an additional principal payment of {$4900.00} on XX/XX/XXXX I made a principal payment of {$4900.00} XX/XX/XXXX I made a principal payment of {$4900.00} on XX/XX/XXXX I made a principal payment of {$4900.00}. On XX/XX/XXXX I made a principal payment of {$1700.00} leaving a balance of {$140.00} at this time when I clicked on pay off this loan it gave me a payoff amount of {$150.00} I contacted Wells Fargo by phone to ask that the three payments that were taken on XX/XX/XXXX be reversed and added as principal only as they should. After two more conversations on the phone with Wells Fargo they finally managed to do that on XX/XX/XXXX. On XX/XX/XXXX it finally showed the new balance of {$81.00} however it still shows a payoff balance of {$150.00} I went to a local branch at Wells Fargo and spoke with XXXX XXXX. He could not help. I contacted Wells Fargo by phone one more time and they maintain that payoff amount is correct at {$150.00}, it appears to me to be an error that when my payoff amount on XX/XX/XXXX was {$150.00} with the balance of XXXX  {$140.00}. That on XX/XX/XXXX with a balance of {$81.00} my payoff amount is still XXXX {$150.00}, this can not be correct something in the system is missing something. It should be noted that on XX/XX/XXXX to correct the {$1400.00} that went to future payments they reversed all of the payments and then reapplied the payments all on XX/XX/XXXX I have made every earnest effort to resolve this with Wells Fargo, it appears no one there either in person nor on phone is capable of critical thinking.
Consumer complaint received 2019-06-12
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)

There is a fraudulent account opened up in my name. This account is fraudulent and must immediately be removed from my credit profile. I am in the process of filing suit against the creditor. I am XXXX XXXX XXXX and I have no negative accounts on my credit report except for this fraudulent account. It must be removed immediately. 

1 ) XXXX XXXX Balance {$22000.00}
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (VA)

Dear CFPB, XXXX XXXX sold it's XXXX Card credit card relationship to Marcus ( Goldman Sachs ) in early XXXX. While the transition commenced after closing in XX/XX/XXXX, I did not actually receive my new credit card until XX/XX/XXXX. During this timeframe, valid charges and payments were made using my old XXXX  XXXX card and ACH payments through our bank ( XXXX XXXX  ) were sent to XXXX  XXXX, which forwarded the payments to Marcus. 

A balance of {$3300.00} for two valid transactions was due in XX/XX/XXXX. This balance was subsequently paid three times ( {$3300.00} on XXXX, {$4000.00} on XXXX and {$3300.00} through two ACH transactions and one EFT directly from XXXX XXXX  ). These payments were made through multiple means to ensure receipt by Marcus as their po box on our XXXX ACH payment through XXXX XXXX  was inaccurate. 

Marcus then returned {$7000.00} on XX/XX/XXXX via check and reversed the third payment in the amount of {$3300.00} resulting in a payment due of {$3300.00}. Marcus then levied a {$48.00} interest fee and {$29.00} late payment fee on our account, despite being paid three times the amount due. 

Upon receiving our XXXX statement, I noticed additional fees for the amount due and that the payments were never accepted. I immediately contacted Marcus to inquire about why they returned our payments and then charged us fees and interest. I also sent a personal check in the amount of {$3300.00} to cover the outstanding valid balance which posted on XX/XX/XXXX. I have filed two complaints requesting reimbursement of the fees ( {$77.00} ), but they have been rejected for no apparent reason. 
This behavior is clearly inconsistent with Goldman Sachs values and a means of generating fees and interest. Transition errors, delays and inability to deliver statements should not be used as a basis for charging fees and interest on customers with clean payment histories. I recommend that the CFPB take immediate action to investigate this matter and any other similar situations for XXXX Card customers that have experienced similar irregularities.
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (CA)

On XX/XX/2021 my Economic Impact Payment Prepaid Debit Card was sent out to my address. I never received my card nor had possession of it. On XX/XX/2021 I contacted XXXX  regarding my EIP Debit Card. I was notified by the representative that my card had been activated and used from XX/XX/2021- XX/XX/2021. I immediately filed a dispute with them regarding the unauthorized transactions for the amount of {$5600.00} and was told by letter that my claim was denied and closed.