davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-01-25
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. (TX)

Hello I have disputed the following accounts for inaccurate information being reported and Must be removed immediately for violating my consumer rights. I submitted a formal complaint to XXXX, XXXX, Equifax. XX/XX/2022. All 3 credit bureaus are showing different date last activity and payment dates. Please provide the proof of the investigation since you all verified this accurate. But it cant be if all are reporting different information. 

XXXX XXXX XXXXXXXX I have not ever been late on this account. Update the late payments reported. 

Further more creditors can only report information to the credit reporting agencies that is accurate and they have failed under the guidelines of FCRA. 
15 U.S. 1681s 2 ( A ) ( 1 )
Consumer complaint received 2022-12-11
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: DISCOVER BANK (KS)

I sent a notice of billing error dispute to Discover bank on XX/XX/2022. They received this via usps tracking and sent a signed return receipt back on XX/XX/2022. This notice stated that the entire balance at that time of {$15000.00} was disputed. According to 12 C.F.R. 1026.13 ( d ) ; 1 ) Collection action is prohibited, 2 ) Adverse credit reporting is prohibited, and 3 ) Acceleration of debt is prohibited. Discover reported adverse events to my credit reports and continued to accelerate the indebtedness of this account during this billing dispute. They responded with a packet of statements along with a letter saying they deemed the account valid. Discover has failed to provide documentary evidence of indebtedness as monthly statements do not lawfully or by agreement constitute evidence. Discover can not deem this account valid without such documentary evidence.
Consumer complaint received 2022-09-28
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: Chime Financial Inc (NJ)

Chime denied my disputes against XXXX who sold me defective merchandise and refuses to return it, under Claim ID : XXXX ( {$780.00} ) and two out of the three disputes under Claim ID : XXXX ( {$270.00}, {$31.00} ). I provided Chime with proof via photos and video of how said goods were defective and not as described. Although theres no reason they could possibly provide that would justify them denying my claim, Chime did not even provide a reason whatsoever for their denial.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MI)

Today morning my account with chase was closed and my debit card was closed. I called chase a lot but customer service would not tell me the reason for closing my account. I went to the bank and the manager told me it was because I was using a lot of XXXX transfers. But my XXXX was used with fellow students and my XXXX and my landlord who rent the house to me, not for any other purpose.Chase bank closed all my accounts without giving me any chance to explain. I don't know why they were so rude, it led to me not being able to change my credit card immediately and it seriously affected my life.
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

My landlord was supposed to send me my deposit refund in the amount of {$3800.00}. I provided account number with an error and someone in my bank ( Chase ) received the funds. I contacted the sender and they opened a claim with their bank ( XXXX  ). XXXX sent a letter that the funds can not be credited back and that I need to contact my bank. I contacted my bank over the phone first and was told that nothing can be done. I have filed a claim online twice and both times the claims were declined without even trying to help. My bank didn't even try to locate the person ( by account number ) and contact him/her. I understand that my bank is not required to credit me the lost money, but they can make some effort to contact the person and see if he/she is willing to refund money sent to his/hers account by mistake. It is a lot of money for me and I have been a loyal customer for more than 20 years and still my bank don't even try to help me.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

We sent a check to Chase Banks National Bank By Mail on XX/XX/XXXX and was received at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This check was for {$32000.00} issued to us by XXXX XXXX XXXX who sent us physical proof and confirmation of Chase Bank receiving the check, being in possession of this check, and deposited into a chase account on XX/XX/XXXX with a scanned picture of the check endorsed by me but it was not deposited into our account and again, not sure how it was deposited into somebody's account that has our name and address on the check. The check was an XXXX money deposit, the builder did not send wires and so they had wrote me a check. I endorsed it and sent it in. Clearly it was received, and chase has received it and so somebody or XXXX of the systems that deposits these messed up and put it into somebody else 's account. Chase can not find our money. The check issuer sent us irrefutable proof ( scanned image Chase Bank provided the check issuer of the endorsed check which proves chase had it in their possession ) that the check was received was cashed. As a bank it is their burden to verify the check was deposited into the correct account, and especially for such a large amount to have been deposited into somebody else 's account is reckless. I am without {$32000.00} because Chase Bank mishandled the money.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (NJ)

First Progress Credit Card Account was paid and closed. Still reports on credit report. 
Date closed XX/XX/2022 Amount paid of {$400.00} on XX/XX/2022 Refunded of {$290.00}, XX/XX/2022 XXXX
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Upgrade, Inc. (UT)

It has been nearly impossible to close my accounts with this so-called bank. Multiple attempts over the phone in the span of several weeks, speaking with multiple people and departments. Despite verbal confirmation that the accounts were closed, they all still show as active online. This applies to credit and checking accounts. I have contacted them at least five times to request my accounts to be closed, and they deceivingly confirm that they have been closed, when they in fact have not. Lowest-level financial company that I have ever made business with.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (NY)

Discover wanted me to go through a " Verification process '' and sent me an IRS form to fill out. They gave me 2 ways by which I could verify my details : 1 ) I could provide Discover with information of the taxes I filed last year ( I did not file any taxes LAST YEAR because I was in XXXX and HAD NEVER BEEN TO THE US!! I entered the country a month ago. ) 2 ) They gave me an option to provide them a notarized copy of AT LEAST 3 MONTHS of my bank statements. ( I could not do that as I was NOT EVEN IN THE US FOR 3 MONTHS. My bank account is 1 MONTH OLD. ) Now they will be closing my card account because they do not have any alternative ways to verify my details. And them closing my account will likely affect my credit score which is very unfair.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Upon checking my credit report I still see that inaccurate information on me is reporting. 

On XXXX, my name is not XXXX XXXX, my name is XXXX XXXX My address is not : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX On XXXX, my name is not XXXX XXXX, my name is XXXX XXXX My address is not : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX On Equifax my XXXX is XXXX XXXX and not XXXX XXXX XXXX XXXX name and address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-11-10
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: Chime Financial Inc (PA)

My chime debit card was charged XXXX $ on XXXX which was unauthorized on XX/XX/2022. I filed a dispute with chime on XX/XX/2022, I explained that my card had been compromised and even filed a police report and submit a police report to them, Im currently XXXX XXXX XXXX and this is very stressful on me, chime has denied my claims and refuse to issue back my money. The complaint number with chime is XXXX the card used was ending in XXXX
Consumer complaint received 2022-09-28
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. (CA)

I am filing this complaint against Equifax for reinserting an collection account back on to my credit file after removing it around XX/XX/2021, The account is from XXXX XXXX XXXX acct. # XXXX a collection agency. Equifax has reinserted the account under other same amount {$300.00} just different section or category of my credit report. This is negatively impacting my credit it is unfair practice. Please help me to have Equifax to delete this account once again from my credit file.
Consumer complaint received 2022-12-11
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: GOLDMAN SACHS BANK USA (AZ)

I was charged for something that I never received and Apple/Goldman Sacks refuses to put that in my claim. 
I have talked to multiple people and told them I did not receive the product. I tried to call the merchant but there was no answer and no way to leave a message. 
I have emailed Goldman Sacks telling them I did not receive item.

The dispute says the card holder claims that the goods or services were either not as described or defective. 
I have redisputed this three times Please help!
Consumer complaint received 2022-09-28
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. (TX)

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. EXUIFAX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.