davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NJ)

I called Chime Bank to report multiple unauthorized transactions made with my debit card ending in XXXX. 

I told the bank that someone hacked one of my emails and linked my debit card to make purchases on an App called XXXX and another transaction called XXXX XXXX. 
I told them I did not authorize these transactions, I don't use that app at all and I have no idea why they charged me those amounts. 

I asked them politely to recover my money by filing a dispute for unauthorized transactions because this is fraud and we're dealing with fraudulent transactions. 

They filed a dispute and submitted the case to the internal department, within 1 hour or so I got an automatic email from Chime saying : Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

I contacted the bank again multiple times after getting rejected over and over again and receiving an automatic email sent by XXXX with the same final decision, I found out my case was not being reviewed by a real agent other than a machine which is one I was getting automatic emails with a final decision denying my disputes over and over. 

I spoke to several agents and supervisors, but no one has been able to solve this matter. They keep sending the same emails and no evidence, no explanation, nothing at all. They just want to deny my disputes and not refund my money from the merchant. They were also rude and very disrespectful over the phone. 

I'm here to ask for help, and I believe you guys are the only ones that can help me. I'm going to provide all the screenshots and images I have of the unauthorized transactions and emails. 

Here are the fraudulent transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2020-09-03
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: EQUIFAX, INC. (IL)

The following accounts do not belong to me, they are a direct result of my identity being compromised. I'm demanding that these accounts be removed and blocked from my credit file 1 ) Public Record 2 ) XXXX   {$260.00} 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) Dept of ED/ XXXX  {$3900.00} 6 ) Dept of ED/ XXXX  {$8700.00}
Consumer complaint received 2020-11-19
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. (GA)

There are 3 accounts reporting on my credit file with incorrect late status. I was never 30 days late on these accounts. I need your assistance in getting this matter rectified. 

There are inaccurate lates on the following accounts : XXXX  - Date Opened : XX/XX/XXXX ( XXXX  ) and/or XX/XX/XXXX ( XXXX  and Equifax XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) and/or XX/XX/XXXX ( XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX ( XXXX  ) The following are incorrect addresses ( not mine XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  The Following inquiries was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MT)

I dispute the credit action you have taken in closing my account. The error in drawing payments is with your own ACH process. My account has never been in arrears and must not be reported in any negative fashion. I have attempted to correct this information many times with your employees over the telephone but never reached resolution. I do a significant amount of business with Amazon and your actions cause me great concern as to continuing that buying. 

The errors causing this issue arose from a bank account used to make ACH payments. That account had to be closed due to a data breach from XXXX XXXX suppliers. There was one payment made where the closed account number was used. This was corrected immediately. I personally went into your web-based system and changed the account number to reflect the replacement account. 

I also personally verified the correct account number for a recent payment. I was notified of the account number error and immediately made payment through another source. My bank XXXX XXXX XXXX in XXXX Michigan notified me that Synchrony Bank sent an ACH request to the closed account. I authorized payment by my bank from the correct account number. This resulted in Synchrony Bank accepting duplicate payments. 

I went back into my Amazon Credit Card account and verified the correct account number for ACH payments. I called and spoke with a manager who told me I should completely delete any ACH payment sources and start over which I did. 

I did not make any payment from the closed account. Your system used the old account number to request the ACH. My bank initially declined but then called me and then made the payment. Your actions have negatively affected my credit
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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

Account Name : 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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

this debt collector engaged n abusive, deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and i didnt sign any agreement on. a legal contract is signed by two parties and i did not participate in any of it. more so they didnt follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA im entitled to XXXX dollars per violation and clearly they violated my rights Inquiries to be removed : XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX see attached ID AND SOCIAL
Consumer complaint received 2020-07-07
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: CITIBANK, N.A. (TX)

On XX/XX/XXXX, a fraudulent purchase was charged to our account. We protested, Citi sided with the vendor. We protested again and have spent hours trying to make Citi understand. We filed complaint # XXXX with the CFPB on XX/XX/XXXX. Citi responded by stating " ... .we determined the {$4900.00} purchase on XX/XX/XXXX was fraudulently made ''. We thought this meant we would not be charged. 

Citi notified us yesterday that it is again allowing this fraudulent charge to go through our account. I want this case reopened because they lied when they responded to the CFPB and are siding once again with the vendor, who processed a fraudulent charge.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-12-09
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Midwest Recovery Systems (MI)

I contacting Midwest Collection. They said I owe {$670.00} ... I asked them to produce original paperwork from this debt. The bill collector said he was working on paperwork. He said it was a payday loan for $ XXXX from 2012. He has reported it to the credit bureau but I never received information who the original debtor..Now he says If I pay Immediately {$250.00} .it will settle the debt. My suspension is that this bill was sold off several times and no one has the original paperwork. I thought it was my right under Fair Debt Reporting Act that I am entitled to see this. Can you please help?
Consumer complaint received 2016-01-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MI)

My husband and I have been having problems with our 2nd Mortgage with Wells Fargo since our bankruptcy in XXXX. I went to a special XXXX hearing before the bankruptcy judge regarding his concern about us reaffirming the 2nd mortgage. We went to our bankruptcy lawyer and address his concern but the lawyer felt we would be in jeopardy of losing our house if we did not sign it. We signed the 2nd mortgage which was a balloon interest only coming due at 10 years. 
In XXXX my husband was laid off and I was without work XXXX XXXX XXXX, XXXX XXXX XXXX. We were struggling with payments and the balloon payment was due in XXXX of XXXX. We tried several times to refinance the XXXX mortgages together but could not get enough equity to do this. We qualified for the Helping Michigan 's XXXX XXXX XXXX XXXX loan program for the period of XXXX XXXX through XXXX XXXX. Wells Fargo started working on our refinance of our XXXX Mortgage in XXXX or XXXX of XXXX before it was due in XXXX XXXX. They kept the loan refinancing going for 12 months. During this time they would call weekly ensuring that once they got the paperwork figured out we could start making payments and continue on with it. During this time it was found out that they were reporting us delinquent on our payments even though they would not let us send in a payment. 
We finally got the loan back refinanced and have been making payments regularly since. There was concern during this 12 months that they was something not quite right but they continued calling and assuring me the loan was fine. 
Since the refinancing my husband and I are still looking to put the XXXX loans together and refinance but every time we try this the banks have been telling us the numbers do n't add up. Our local banker Now in XXXX XXXX has told us XXXX of the credit bureaus are reporting the loan as being XXXX in XXXX. I have been on the phone with Wells Fargo for the last month and they can not come up with the proper paperwork that I have requested : 1 ) Reaffirmation hearing from our bankruptcy. 
2 ) Paperwork on the refinancing of our balloon payment. 
3 ) Removing our delinquent marks from the credit bureaus. 
At this time I feel that Wells Fargo has more than harassed me through our time holding our 1st and 2nd mortgages with them and caused great stress and lost time dealing with their run around. I feel they are being fraudulent towards us by never producing any paperwork or answers when needed. We would like this resolved.
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I have been requesting cancellation of PMI on my mortgage since XXXX. They have documented that my LTV ration was below 80 % and written request was made on XXXX XXXX, XXXX. The lender required me to get a BPO through their vendor at my own expense. The home has appreciated in value by over 30 % since purchase, which was confirmed on the BPO. This was sent with another written request in XXXX XXXX. The PMI is still being charged on the mortgage.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2016-03-09
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CA)

When I applied to go to school at the XXXX XXXX XXXX XXXX in 2006. I chose to shoot for a XXXX degree in XXXX. I did n't have any job at the time and living with my parents. After applying I was immediately accepted and offered a starter pack of all types of art supplies to begin my " journey of learning and creativity '' It did n't dawn on me until now as I look back and see how friendly the staff was when they had me signing all of this papers for loans. as I attended classes which I constantly questioned my self if they really related to what I was striving for. I constantly was called in the office to sign paperwork for " tuition '' which the staff assured me I would not have to pay back. 
After two years of racking up debt and attending mediocre classes with pessimistic instructors, I was called in the office with a counselor and was told I could not attend the school anymore that I needed to go get general education classes somewhere else and return in a year to reapply to the XXXX XXXX. Wait, what. Not knowing better I discontinued going and went on with my life I left it at that. I began to work and became a productive citizen. After a year of being kicked out I began to receive call from collection agencies about this loan. I was unable to pay rent at the time let alone student loans. After the years have gone bye and applying for deferments and forbeance I find myself with all this debt I certainly was not aware it would blow up like this. After doing research and knowing the XXXX XXXX has been involved in many predatory lending I strongly believe I have been a victim.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

theres an account that doesn't belong to me that has been reporting to my credit and is preventing me from getting employment and A home. 

XXXX XXXX has already sent me A letter stating that they did research and the account is not mine but experian still has not removed said file from my report this is my 3rd time over 90 days reporting this. I have all of the mail receipts and documentation. 

attached the letter from the XXXX services stating that its not my account driver license and ssn
Consumer complaint received 2020-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, I received unemployment benefits. I went to the Bank of America ATM to withdraw cash. As soon as I was about to withdraw, they didnt have the denominations I wanted to I canceled the transaction. NO CASH was dispensed. I move on to the next ATM, and as I was about to withdraw, it said I only had {$4.00} left. I check my bank statement and it said I made a withdrawal or {$680.00}. I havent even received any dispensed cash or made a complete withdrawal yet. The bank made aN ATM error and doesnt want to resolve it. They said they were gon na investigate it, when I should be investigating them. I was hoping this government agency can help me resolve this issue and stop letting the banks go unchecked.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

From XXXX XXXX XXXX XXXX XXXX XXXX all of my car purchases and repairs. Emails were submitted to State Agencies and yet he is still a XXXXXXXX. He has been to my home and deliberately hit my vehicles in the rear because of an accident that occurred in XXXX that was on my policy as fault for 5 years for a driver that hit my car and left the scene and arrested. He has feelings about the jacked up repairs to my vehicle then that all cars purchased after that date has the same problems as the complaint from the XXXX accident. There were 10 car purchases. The 1 car from XXXX with XXXX XXXX. XXXX was given back to XXXX by the Finance Co because of its condition at purchase. Next, 7 cars from XXXX all returned for broken rear wheel components and safety hazards. Next, XXXX XXXX and XXXX, XXXX XXXX XXXX which there were 24 inquiries done on my credit for 1 car. Definitely a red flag. Traded due to too many service appointments for the same issue. The wheels. Last, XXXX XXXX XXXX that XXXX XXXX sabotaged the order for the parts by calling XXXX from XXXX to ask which shop was my car in. XXXX never needs to know where my car is because all services are handled with the warranty co. The Auto administration refused to acknowledge his behavior because he mentioned the XXXX accidents from people hitting my car. No proof I had any affiliation with any person involved which I will testify to any jury anywhere. I was involved in 1 deliberate accident because he refused to fix my car properly and made it impossible for anybody else to fix the car as it was under warranty by both the dealer and XXXX insurance repairs which voids if done somewhere else. Please fix my credit according to this complaint. 10 cars and no flags should be flagged. Please and thanks.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On the last credit report I got from Experian it states that an account that I allegedly had with XXXX  XXXX XXXX went into a charged off status in XXXX XXXX and this is false.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NV)

On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2017-02-12
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (NC)

I applied for and used Wellsfargo cash wise visa card last XXXX because there was a promotion said that there would be 0 % APR for 12 months, get {$150.00} cash back if I purchase {$1000.00} or above within three Months ... ..Actually I still keep the photo picture of this page of website. I checked at Wellsfargo in XXXX ( NC ) branch to ensure it would work before I started to use this credit card. I made a phone call to the costumer service and checked this promotion again at wellsfargo XXXX XXXX and XXXX branches to confirm 0 % APR after I received first credit statement, and no one told me that I need play any interests within 12 Months. Yesterday - XXXX XXXX I received the Wellsfargo cash wise credit card statement charging me {$20.00} interests, other than paid me {$150.00} as the promotion said. Yesterday I called the credit card customer services again and asked the representative why, and I was told that he would fill out a form for me and send it to credit card finance service department to get this promotion approved and there is no guarantee for that. I never had this kind of situation before and I could not image that the major credit card company will eat their promise to their costumes, I am feeling cheated. I need your help in investigate this case.