davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : 1 XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

I was using my venmo account like normal and verified my social and id i received money from a friend of mine and when i tried sending it to my bank it didnt let me. i contacted support and they said my account is closed and i have to wait 189 days to take it out
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (IN)

On XX/XX/XXXX, I sent a letter to XXXX requesting my score be updated, as it has not been updated since XXXX. As of today, my score has still not been updated. This is hurting my chances of obtaining credit.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I filed a FTC report on fraudulent activities that have occurred on my credit profile more than 45 days ago and I have yet to get a response from the bureau on the results and they have not fixed the problem.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I used my Chase Mileage Plus credit card to purchase an upgrade on two segments of a XXXX XXXX ( $ XXXXeach x XXXX segments = XXXX USD. ) In XXXX, I declined to renew my card for another year and my balance was XXXX by XX/XX/XXXX. 

My flight was canceled due to Covid restrictions in XXXX on XX/XX/XXXX. 
After contacting XXXX several times during spring and summer and alerting them to my closed Chase credit card, they processed the refund, through XXXX, to my closed Chase credit card on XX/XX/XXXX. 

On XX/XX/XXXX, I called Chase credit card, and was told they had no record of my credit card account. After multiple calls ( 3-4 ) I was told my card had most likely been " purged '' and my only recourse was to fax the " Purged card department. '' I did that, with all information, on XX/XX/XXXX. 

On XX/XX/XXXX, I made repeated calls to Chase in order to find an address to which I could send a followup letter about my refund. I was told, without any doubt, that I had never had a Chase credit card -- this despite the fact that I was holding a photocopy of the front and back of my Chase credit card ( the original of the card was destroyed when I canceled my account as is usual good practice. ) When I provided my full SSN, I was assured that I had never had a credit card at Chase under that SSN.
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I request that the following inaccurate items be immediately investigated. They must be removed to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within thirty days. 
ALL MY PERSONAL INFORMATION WAS COMPROMISED AND THESE INFORMATION INCLUDE PHONE NUMBERS ADDRESSES PUBLIC RECORDS AND ARE UNDER DISPUTE WITH CREDIT BUREUS XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX THE REST OF THE INFORMATION IS ON FTC REPORT THAT I ATTACHED
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

On XX/XX/XXXX, I sent a letter to Equifax requesting my score be updated, as it has not been updated since XXXX. As of today, my score has still not been updated. This is hurting my chances of obtaining credit.
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CA)

XXXX, 2021 to present day XXXX, 2021. Net spend skylight has my pin blocked on my permanent card they had sent me in the mail. I had just transferred the funds from my temporary card to my permanent card XXXX XXXX, 2021 used for one week and it's blocked... i have continually sent them document after document through emails and constantly it is too dark, my ss. CARD is not the right color. They ask for a copy of bank statement. My I.D . HAS been sent numerous times and can't even tell me if there is money in there 3 of my pay checks are in there. And Will not release it.

This is the no. I callXXXXXXXX I will have to move unable to pay my rent... i have no money. I have to borrow to eat ... ..its XXXX ridiculous
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (OK)

Today, XX/XX/2022, my Chime Bank issued XXXX/Debit card was used to make unauthorized transactions on my checking account. Today, I called Chime Bank and they could not help me. Chime Bank must take the necessary precautions to protect my account from fraud and they are not doing enough. They must be held accountable for these fraud against me.
Consumer complaint received 2022-09-30
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I have tried several times to have Credit Acceptance review the car loan listed on my credit report. They have failed to do so I have submitted proof several times the car loan was not mine. They still will not resolve the matter.
Consumer complaint received 2021-11-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: KEYCORP (PA)

CFPB case # XXXX KEYBANK case XXXX XXXX ( Prior case # XXXX ) I read KEYBANK reply to my complaint where I confirmed that previous refund of {$170.00} was made to account, as a gesture of goodwill. It happened after I completed manager 's request to provide an evidence where were bank error verified and confirmed. 
In regret the frustrating experience I have had I share this practice which needs to be an investigated. 

1. Picture # 1 from account statements on XX/XX/2021. 
On the picture you may see that account balance wasn't negative, but was charged with the overdraft fees {$38.00}. 

If this charge will be returned, account balance wouldn't be negative after all transactions including international fees. 
" Charge off '' is an accounting function, where overdraft fees is bank ambitions and makes balance negative {$260.00}.
Consumer complaint received 2022-12-25
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: Universal Recovery Corporation (CA)

UNIVERSAL RECOVERY CORPO Opened XXXX {$800.00} UNIVERSAL RECOVERY CORPO Opened XXXX {$2000.00} I believe XXXX credit reporting has duplicated these items. The first account belongs to XXXX XXXXXXXX XXXX and the second to XXXX XXXX XXXX tax attorneys. 

-I never received the validation or the initial call or email, possibly, due to moving although a forwarding address was filed with USPS . I do not believe the reporting agency Universal followed procedure. -My credit reports shows 3 derogatories preventing me from securing housing. There are only the 2 accounts and they are related to tax issues with the IRS. This has been confused by XXXX  credit reporting. 
-The agency continues to thrash the account to make the two derogatories appear to be new which they are not. 
-I disputed both and this does not show. 
XXXX XXXX in court told the judge that both were XXXX   firms which they are not to make me look like someone who dodged debts. You can see from my report that I do not. 
XXXX XXXX XXXX XXXX XXXX XXXX chose collection as a punitive move although the attorney representing me left the firm and I was not notified. The firm pulled the POA with the IRS without notifying me as well. 

Both account were disputed multiple times and payments were made to the second account. We had a brief attempt at arbitration. I do not have the money for arbitration.
Consumer complaint received 2021-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

On XX/XX/XXXX I was contacted on my personal phone by a person named XXXX XXXX who said he worked with the Department of Education and that they were giving calls to everyone who has student loans and assist them to modify current plans to a better one where my loan will be forgiving at the end. This person was well trained and talked for many minutes regarding different plans and how this will help me reduce my payments and then qualify for a student loan forgiveness by the department of education. We ended up agreeing that a {$39.00} payment a month for 240 months will be my best plan giving my salary in that time and that by the end of 240 months, the rest of my student loan will be forgiving by the Department of Education. He sent me a contract which stated all this and I agreed to it giving my bank information. In that time I never thought people would be so evil to get to all that trouble to scam people with student loans. I mean its student loans for XXXX sakes! I was stressed and just wanted to pay off my student loan among others, so I agreed. My first payment was done of {$790.00} for filing fee to a company working with the Department of Education named XXXX XXXX and then {$39.00} a month after that for 240 months. First payment was done on XX/XX/2020. Second and all other consecutive payments of {$39.00} will de done on XX/XX/2020 and onwards. As he said every month I was paying {$39.00} a month and I was relieved as I was paying my student loan and doing the right thing. On XX/XX/XXXX my new student loan servicer ( NAVIENT ) that was appointed by this person called me to inform me that on XX/XX/XXXX covid 19 National Emergency Forbearance , will finish and I will have to start paying my debt again. I wasn't sure what he was talking about because on my side I was paying my student loan at {$39.00} in autopayment for the next 240 months! I searched my old emails and opened one that said Navient logged in and noticed no payments have been made. I realized I was a victim of fraud and didn't know what to do. This is unacceptable to have companies like this exist and I honestly believe NAVIENT is also to blame as it was their bank of choice which also belongs to the DEPARTMENT OF EDUCATION! 
They should be trialed by court and pay for being accomplices to this XXXX XXXX and XXXX XXXX. They should all be sued and trialed by court. I can't imagine how many others are victims of this. 
I have closed my bank account and submitted a claim fraud to fight this act of fraud. 
Please if you have any way to assist me to regain the money I lost in this fraud. Please let me know. I made one payment of {$790.00} and 23 payments of {$39.00} it all adds up to {$1600.00}. 
Thank you.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no know of any of these accounts due to the Equifax XXXX XXXX data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. 
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-12
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. (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 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 transunion 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WFFNB/XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NV)

I had my unemployment deposited to my PayPal account. That was XX/XX/2021. They have since not let me withdrawal it and at first told me to wait 180 days. Its way over 180 days and Im still waiting and they told me to wait till I receive an email anytime between now and 20 years from now. I have over XXXX in my account.
Consumer complaint received 2019-07-01
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (AZ)

My XXXX in XXXX XXXX XXXXXXXX passed away on XX/XX/XXXX and was a Citibank customer. I am her executor but live in Arizona where there are no Citibank branches. 

I contacted Citibank after obtaining a court appointment from XXXX XXXX XXXXXXXX probate and was told that I could fax or mail information showing my appointment including a copy of my drivers license, court appointment, and death certificate. I did not want to send PII information via fax and requested secured email, but was told they had no ability to accept secured email. I never received response from Citibank and called times between XXXX and XXXX for updates but only was able to get to their general customer service line. I chose to re-send, via certified mail, the original requested information. 

On XX/XX/XXXX, I received a letter from CB confirming receipt but indicated I now needed to send a notorized letter providing instructions. ( This was included in my original request ). I followed up along with a death certificate of the additional signer on the account ( my mother who died a year before ). 

On XX/XX/XXXX, I received 2 checks in the amount of {$17000.00} and another for {$.00}. This equates to approximately was in her Checking Account. I called Citibank today ( XX/XX/XXXX ) to inquire on her Savings Account which as a balance of approximately {$100000.00} with the number listed in their correspondence and was told by customer service that they were " unable to talk to me '' given I'm not listed on the account. They noted that they could not connect me with the department that processed the check nor could they help me. They said to call the same number that I had just reached them on. 

I'm a CPA and have been the executor ( unfortunately ) for other passed family members. I have never seen a financial institution act in this manner. It has been 10 months since my aunt passed and the account is yet to be closed properly.
Consumer complaint received 2021-10-19
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNT IS STILL FOUND AND NEEDS TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXBalance {$650.00}
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (NC)

A fraudulent Chime account was opened using a variant of my email address on XXXX XXXX at XXXX XXXX. The account was accessed via XXXX device in XXXX Florida. XXXX will route all variant email messages back to the parent email address as long as the spelling is the same ( ex : parent email is XXXX. Any variation of that email ( XXXX, XXXX XXXX XXXX, XXXX ) will be routed back to the original email ). I had an account opened using a variant and I have tried several times to contact Chime via telephone ( they use an automated service that does not allow you to close an account ) with no success. I have emailed their customer support email and am given the option to download the Chime App to use the chat feature ( which I cant because I cant access the fraudulent account to be able to chat, or to contact them again from the email associated with the account.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On my credit score it shows I have went down in score due to having stuff in collections, I called the company that shows I owe money to and they told me I do not have any balances remaining.