davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
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: Millco Management (FL)

On XX/XX/2021 I checked my credit report and it has been brought to my attention that Amerifinancial Solutions LLC has 2 negative remarks on my report of {$1600.00} each. The total debt they are claiming that I owe them is {$3300.00} ( see negative_remark.jpg ). On XX/XX/2021 I mailed Amerifinancial Solutions , LLC a registered letter via certified mail, requiring a signature of receipt, requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. In short, I asked them to validate the debt they claimed I owed them and if they could not validate the debt they must request that all credit reporting agencies delete the entry ( see Amerifinancial_solutions_letter.pdf ). I mailed Amerifinancial Solutions , LLC the registered letter to two known addresses and have yet to receive a response. The registered letters were sent by Certified Mail via USPS ( see XXXX ). These letters are tracked and they show that they have been delivered, signed for, and received by an Amerifinancial Solutions representative. It has been over 70 days and I have yet to receive any response from Amerifinancial Solutions.
Consumer complaint received 2022-03-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have disputed this XXXX XXXX and XXXX has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since XX/XX/2017. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed for 2017. The account status is wrong and should be closed. Now, I want you to remove this misinformation on my file. 


XXXX XXXX XXXX
Consumer complaint received 2019-03-27
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: CL Holdings LLC (FL)

I have been working with XXXX XXXX to repair my credit. They helped me removed some collection accounts. XXXX XXXX XXXX XXXX Collection Account was deleted from 2 of my credit reports ( XXXX and XXXX ) and not XXXX. XXXX XXXX XXXX Account was deleted from 2 of my credit reports ( XXXX and XXXX ) and not XXXX. All of this occurred around XX/XX/2019. The complaint is nit against XXXX XXXX. My complaint is that the collections accounts has been removed from some credit reporting companies and not others. I have also been receiving collection letters from XXXX XXXX XXXX to collect a debt that is being reported by XXXX XXXX on my credit report. I also have collections accounts from XXXX XXXX XXXX and XXXX XXXX XXXX reporting on my credit report. I didnt give any permission for any of the original creditors to sell my debt or information to anyone and I have no knowledge of any of these debts.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

In XX/XX/XXXX I completed an Identity Theft Report for a account on my credit report from Equifax called XXXX  XXXX. This account has been reporting for almost 7 years. In XXXX I disputed the account as not mine and Equifax had deleted the account. In XXXX I noticed the account was re inserted without my notification. In an attempt to solve this account problem I reached out to XXXX  XXXX DBA XXXX XXXX to offer a settlement for removal in which they refused. 
I then asked for a signed application for credit from the location documented as having given me this loan. No response. 
In XX/XX/XXXX EQUIFAX CONSUMER REPORTS changed the so called initial date of delinquency for this fraudulent account to XXXX XXXX. At one point EQUIFAX had been reporting this account as open with monthly payments! 
I am attaching my Identity theft report, a copy of Equifax reporting from annual crexit report showing a XXXX  of XX/XX/XXXX, and other relevent information. 
I want EQUIFAX to remove this account from my credit report immediately.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (TX)

all loan apps denied, home mortgage, new auto and used auto, 1 mil in damages so far and adding with this company 15 usc 1692k civil liabilities Civil Liability Act 1936 An Act to consolidate certain Acts relating to wrongs. Contents
Consumer complaint received 2022-03-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (KS)

I had an auto loan with Ally Financial opened on XX/XX/XXXX. In XXXX of XXXX I encountered financial difficulties and was unable to make payments, and the car was repossessed a few months later. I had a second auto loan in XXXX of XXXX from Ally which I also fell behind on, and it was also repossessed during that time. 

In XX/XX/XXXX, court case XXXX ( Ally Financial XXXX XXXX XXXX XXXX , the XXXX Judicial Circuit Court certified a class action for customers whose autos were repossessed prior to that date. I was subsequently notified that I was a member of that class ( details on the court case are found here : http : //www.allynoticeclass.com/. ) As part of the final amended settlement order issued XX/XX/XXXX, Ally Financial was ordered to cease reporting repossessed tradelines to the CRAs and to request deletion of these tradelines. 

The settlement order instructs Ally to maintain an email address, XXXX, for customers to contact to notify Ally that their tradeline has not been deleted and to request that Ally send a " XXXX  XXXX  XXXX  '' or similar to the CRAs. On review of my credit report from the XXXX bureaus dated XX/XX/XXXX, one of my Ally accounts was deleted in accordance with the order, but the second was not, despite also being covered by the order. I contacted Ally Financial at the XXXX email address requesting deletion, but have received no contact from them, nor have they sent a deletion request to the credit bureaus.
Consumer complaint received 2021-05-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (OK)

A CHIME banking debit card was sent to my parents ' address with my name on it. I did not request an account be opened. They have my social security number, telephone number, name, and address. I tried to contact them via telephone to close the account but you can not speak with a human over the phone. They direct you to a website and email address, that are the ONLY way to get human support. I did not want to give them my email address so I reached out to the XXXX and filed a complaint ( XX/XX/2021 ). Chime claimed that they can not close my account without a photograph of the debit card, and all my personal info like address, etc. I sent them a photograph of the card. I requested ( 1 ) confirmation that the fraudulently opened account in my name is closed and ( 2 ) information on how the account was originally opened, since this entity used my social security number. I never received replies from Chime. I requested this information multiple times and have not heard back. I believe Chime is opening accounts without running credit checks because my credit has been 'frozen ' for a few years since the credit agencys were hacked. They should not have been able to open an account had a proper credit check been performed. I still don't have confirmation the account is closed, but it was HARDER to close the account than open it. Chime should be investigated thoroughly.
Consumer complaint received 2022-04-25
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. (TX)

I sent in an identity theft report regarding hard inquiries on my Equifax report by providing a police report & Equifax ignored this by leaving the information on it. This lets me know that they arent following the FCRA because if a consumer provides a valid police report then the information has to be deleted from the file.
Consumer complaint received 2022-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Hi! My PayPal account was permanently limited on the XXXX of XXXX. I think there could be some mistake, because I did not break any rules. I am a XXXX XXXX  and simply received payments from my customers. The email I received from PayPal saying that they found some potential risk associated with my account. I understand that PayPal reviews accounts to prevent fraud and keep a safe environment for both buyers and sellers. But since I started using PayPal I have not receive a single dispute from my customers, so I'm pretty sure there is some mistake. Please help me to get my account back. If you need any info about my business, I would be glad to provide everything that is required. 
My PayPal email is XXXX XXXX
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IN)

Put in a dispute with Experian Credit reporting agency about a debt that is well past the date to fall off my report and they wont delete it. It has to do with XXXX XXXX Account XXXX. The date it was opened with Eperian is XX/XX/XXXX, making this account 8 years old. Past the date of 7 years. Im not given any reason that I can see for the account not being removed after 2 disputes. 

Report XXXX XXXX Date Generated XX/XX/XXXX 2022
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I applied for a Synchrony/Care Credit account beginning of XX/XX/2021. I received the card and I tried to use it and couldn't. They told me that I had to send a copy of my Driver License and Utility Bill to confirm my identity and address which I did on XX/XX/2021. Later on XX/XX/2021 my account was closed with no explanation. I called on XX/XX/2021 and they told me that it was due to high risk and there was nothing that could be done. There was no proof nor any explanation and I believe they are discriminating against me.
Consumer complaint received 2020-07-27
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. EQUIFAX XXXX {$470.00} XXXX   XXXX {$20000.00} XXXX  XXXX {$13000.00} XXXX XXXX {$2500.00} XXXX  XXXX {$25000.00} XXXX {$68.00} XXXX  XXXX {$2000.00} DEPTEDXXXX   XXXX {$8900.00} XXXX {$700.00} DEPTEDXXXX   XXXX $ XXXX DEPTEDXXXX XXXX {$3000.00} DEPTEDXXXX  XXXX {$4500.00} XXXX XXXX {$6000.00}
Consumer complaint received 2022-07-29
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)

XXXX XXXX has agreed to remove all late pays from my credit reporting agencies profiles. Please see attached letter from them stating as such. Please have these removed as soon as possible as its damaging my credit.
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (PA)

Someone made a purchase in the amount of {$330.00} in a South Carolina XXXX and I live in Pennsylvania. They pick up the order with a different name. I have never been in South Carolina and do not know anyone there. They gave me a provisional credit in XX/XX/XXXX and then deduct it from my account XX/XX/XXXX XXXX XXXX said they found no error. I lost almost half of my Social Security.
Consumer complaint received 2021-05-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (IL)

Me and my partner purchased a vehicle in XXXX in Massachusetts, financed through Wells Fargo auto loans. In XXXX we moved to Illinois and registered the car in IL. The IL Secretary of State issued an IL title which it sent to Wells Fargo. In early XXXX we refinanced the loan through XXXX  XXXX XXXX. At payoff, Wells Fargo issued a Massachusetts title that voided our IL title and caused us to have trouble re-register our car in IL, incurring additional fees. Wells Fargo has contended they never received a copy of the IL title even though the IL Secretary of State has a record of its issuance.
Consumer complaint received 2022-04-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Self Financial Inc. (PA)

The company which is self financial inc/XXXX XXXX  gave someone a loan in my name and they failed to give me any info 2 weeks ago when I called when there was still XXXX dollars owed and now all the sudden not even 2 weeks later I get a new report and the loan was paid off in good standing from collateral!! I wish to know how if they didn't know the individual responsible. Who did they go after supposedly.
Consumer complaint received 2022-08-17
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)

On Wednesday XX/XX/XXXX I had went to XXXX & got me & my mom some food. I went there & came back home. Around XXXX XXXX XXXX XXXX I got a notification about my credit card being used so I looked into it realized it wasnt me & called my bank to let them know. I remember me getting my card back from XXXX so I checked to see where my card is & couldnt find it. So I went & looked at my front door camera to see if maybe I dropped it & I did just that! In the video you see someone walking down the st stop.. pick my card up & then continue to walk & use it 10 mins later now Chime declined my claims twice already saying I dont have evidence its left me way more heart broken then anger considering this is my first time not only going through something like this but this is my first claim! Unbelievable how I was denied & not even the manager of claims department can tell me why Im beyond lost as to how it was denied & Im filing this claim to see if someone out there actually understands where I am coming from
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (WI)

I tried to get a loan on line and the company giving the loan was a scam they deposited funds in my account where i had to return them to raise my credit score chase bank held the checks for days and still cleared the funds knowing it did not have my signature on them after they cleared the funds I was under the impression that the company giving the loan was good so after I returned the funds to raise my score chase put my account at a - XXXX dollars where at that time I knew there was a problem so I contacted chase and asked why my account was at a - they told me that the funds that the finance company giving the loan altered checks that were deposited in my account where I explained them checks came from a finance company named XXXX XXXX financial for a loan I was trying to get, I then got copies of the checks in the mail and seen they did not have my signature on them so I asked chase why did they clear them they did not have a answer and told me I am responsible to pay back the funds when they know I am a victim of fraud I am not responsible for this scam committed against me and feel chase is wrong. They also took my sisters XXXX check that was deposited in the account and cashed it when they should not have.
Consumer complaint received 2021-05-26
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. (MA)

I XXXX XXXX hereby request that the attached account I had with XXXX XXXX XXXX be deleted permanently from my credit report effective XX/XX/XXXX as already agreed upon by XXXX in a XX/XX/XXXX and a XX/XX/XXXX credit report I obtained from XXXX  XXXX XXXX , XXXX. The attached letter I received from XXXX is not on point, and I believe that they are trying to re-age the original debt as part of a vengeful process to eradicate funds from me personally. I therefore demand that XXXX  check into this issue and take sanctions against XXXX XXXX XXXX for not abiding by its subscriber agreement with your credit reporting agency. Since the deadline was already established, I demand this account be removed XX/XX/XXXX permanently. 
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
XXXX XXXX
Consumer complaint received 2020-07-27
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. (MO)

My identity has been compromised and it has caused serious damage to my livelihood and credit file. It is unknown if this disaster was from the direct lost of my wallet or from the Equifax breach. Either or now I'm dealing with these unknown and unauthorized accounts inwhich I'm demanding to be removed and blocked from my credit file. 

1 ) XXXX  / XXXX 2 ) XXXX XXXX {$27000.00}
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I have an Chase credit card Visa Signature, Mileage Plus Awards. 

On XX/XX/XXXX I wrote a convenience check ( balance transfer check ) from my Chase Visa card for the amount of {$3400.00} and mailed it to XXXX XXXX. On XX/XX/XXXX Chase posted the payment, and listed that XXXX XXXX had cashed the check. 

XXXX XXXX have refused to credit the amount to my XXXX XXXX credit card. Chase supplied me with a copy of the check, front and back, but there is no endorsement information on it. XXXX XXXX has asked Chase to run a " trace '' on the check, but Chase have said they can't do that. 

Without more information from Chase, XXXX XXXX are not accepting responsibility for the lost amount, even though Chase has told them that XXXX XXXX cashed the check. 

On my last call with XXXX XXXX, they said that without more information from Chase, " We assume that some other party called XXXX XXXX cashed the check, but not us. '' It's absolutely ridiculous. 

Meanwhile I am being I owe both XXXX XXXX and Chase {$3400.00} each! Grand total {$6900.00}. 

I have spent hours making calls and explaining the situation over and over again. I have been on numerous calls with both banks, even conference calls with both banks at the same time. Chase assures me that XXXX XXXX took my money. XXXX XXXX keep asking me to ask Chase for more information. Chase tell me they have given me all the information they have. Meanwhile, I am caught in the middle. 

I don't know how else to resolve this, I need some urgent help.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CO)

On XX/XX/XXXX, I tried to order my free Equifax Annual Credit report online via XXXX. I was unsuccessful. I was successful in ordering my free reports online that day for XXXX  and XXXX. I received the following message regarding Equifax : We are not able to deliver your free Equifax Annual Credit Report online. I advised the XXXX site via feedback that I was unsuccessful. I received a letter from the ACR.com site stating to order via mail or XXXX. On XX/XX/XXXX I tried again to order my free Equifax report and thought I was successful in ordering via the phone number XXXX ; as I received a message when done stating it would be mailed within 15 days. On XX/XX/XXXX, I still had not received my free credit report from Equifax, so I advised the XXXX site via feedback that I was still unsuccessful. The XXXX site sent me another letter stating to order by mail or the XXXX #. I tried to contact Equifax but there is no email address, phone number or online form to advise them of the issues. I searched the Internet as well and everyone states it is impossible to contact Equifax for assistance. So on XX/XX/XXXX, I tried again to order my free Equifax report online. And was unsuccessful. I received the message : We are not able to deliver your free Equifax Annual Credit Report online. Even though again, I answered all questions correctly. I had all the information needed for the Equifax report from my reports from XXXX and XXXX, but Equifax online would not accept. I will not send my SS # or copy of my DL or any other personal info via paper via the XXXX or XXXX, etc as that is just asking for my personal information to be breached/hacked and opening up to fraud. I should not have to anyway as TransUnion and Experian both worked perfectly. Equifax should know this from their experience in XXXX regarding personal information breached/hacked. I want my free Equifax Annual Credit Report just like XXXX and XXXX provided. I therefore am requesting assistance from the CFPB please.