davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NC)

I am a soldier in the United states XXXX and was XXXX. While XXXX got XXXX snd was sent back to recover.. upon returning I realized my XXXX XXXX XXXX  and chime cards wee missing. I dont remember if I took them with me on XXXX or not but while XXXX we used a different card called an XXXX XXXXXXXX XXXX which can not be used for fraudulent activities because it doesn't have any card numbers on it. Our money gets loaded on the cars. I contacted XXXX XXXX and filed a claim and so contacted chime to file a claim. They did the investigation and said they couldn't find fraudulent activity. Yet the amount of money I lost was a huge amount of money that I need to be replaced. I am highly disappointed in chime ans XXXX XXXX  as I have been with them for a long time. I expect them to do better.
Consumer complaint received 2021-12-07
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. (LA)

XXXX, Equifax and XXXX have violated my right under FCRA and CARES Act - Dept of Education COVID-19 Emergency Relief and Federal Student Aid program. I am not late on any student loan because the relief is from XX/XX/XXXX through XX/XX/XXXX. If the 3 credit bureaus would have conducted proper investigation or even XXXX they would have know of these reliefs under the CARES Act. Please direct them to remove from all my credit reports as they are inaccurate, has errors and they did not verified. This has caused me XXXX and I can't obtain additional financial credit. Additional these confusing information below are on my reports and doesn't even make sense. Please direct the bureaus to explain so a simple person can understand. -- -- - DISPUTED ACCOUNTs 1. XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account number XXXX 2. XXXX XXXX XXXX {$6500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account numberXXXX 3. XXXX XXXX XXXX {$4600.00} Balance updated XX/XX/XXXX 1 late payment Account numberXXXX 4. XXXX XXXX XXXX {$4500.00} Balance updated XX/XX/XXXX 1 late payment Account number XXXX 5. XXXX XXXX XXXX {$6600.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account numberXXXX 6. XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account numberXXXX
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (GA)

I am a Natural, living person. I have rights under the 15 USC 1681. 

XXXX is governed by 15 USC 1681. And they have violated my rights numerous times. i demand the account listed below to be removed because According to 15 USC 1681 : I have the right to privacy and furnish, I did not give XXXX written permission to furnish these accounts. 

15 U.S.C. 1681 section 602 A. States I have right to Privacy. 

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not report 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. 


Accounts XXXX XXXX XXXX Account # XXXX Vt- XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX of XXXX card Account XXXX XXXX
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (OR)

It says on my credit report that on XX/XX/2021 that I applied for a USBank Credit card but I never even applied for it. I wasn't looking for a credit card company.
Consumer complaint received 2021-12-07
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX SS XXXX I was a victim of fraud a few years ago and someone was using my name. I have been working to get this issue resolved for over a year now. I do not live in XXXX OHIO. Please remove any and all OHIOaddresses from my credit report. I never opened accounts with the following companies XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. PLEASE DELETE THESE FRAUDULENT ACCOUNTS AT ONCE. PLEASE REMOVE THE FOLLOWING ADDRESSES XXXX  XXXX XXXX XXXX OHXXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX TX XXXX, I NO LONGER LIVE IN OHIO. THANK YOU FOR YOUR TIME AND CONCERN.
Consumer complaint received 2021-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing XXXX and XXXXl damage damage.
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX, I received two charges from XXXX and one from XXXX to my Santander bank account. All three of these charges were unauthorized. 

The XXXX charges were as follows : XX/XX/XXXX XXXX XXXX /XXXX  XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX /XXXX XXXX XXXXXXXX XXXX XXXX {$1300.00} I did not shop at XXXX on this day and I had not shopped there in a long time, I have also switched bank account type and debit cards multiple times since I had last shopped there. XXXX 's data was breached in XXXX multiple times causing my account to be hacked and I received charges from them last year and early this year, in XXXX. I reported this to my financial institution and had the charges reversed and received new debit cards. Miraculously on XX/XX/XXXX there are additional unauthorized charges from them and they refuse to reverse them. 

I also received a charge on my XXXX  account which had the same information as the XXXX account that was hacked. Thankfully, I was able to return the products to XXXX when they arrived at my house. I filed a dispute for this transaction and it was also denied by my bank. Here is the XXXX charge below. 

XX/XX/XXXX XXXX XXXX /OR XXXX XXXXXXXX PURCHASE - {$2800.00} As a result my account is overdrawn, and now my account is due for closure.
Consumer complaint received 2022-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OH)

Equifax continues to update this collection on my report within a day without any validation I've contacted the company and they have not sent me any info on this account and starting XX/XX/XXXX the Medical Debt Relief Act of XXXX H.R.773 medical collections under XXXX is not to be reported on a consumers credit profile and 1 year waiting period for medical collections to report i am also requesting an itemized statement for this account
Consumer complaint received 2021-12-07
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: BARCLAYS BANK DELAWARE (CA)

I do have a credit card with Barclays XXXX XXXX thru Frontier Airlines. Few weeks ago Barclays sent me an offer to transfer money from my Credit Card to my bank account and charge me no interest for severals months. Since I had no balance and my available credit line was the maximum XXXX XXXX I transferred the XXXX $ ( maximum of the credit line ) to my bank account. But few days later, I saw that Barclays charged me twice XXXX $ for that one single transfer although my credit limit is only XXXX. 

I have been calling Barclays every days since XX/XX/XXXX only to be told this is known issue and they are working on it. As of today XX/XX/XXXX, Barclays has still not resolved the issue and/or given me a clear date when it will be resolved. 
In fact during the call today, I am being told it can take up to 2 months for the issue to be resolved, but no guarantee
Consumer complaint received 2021-12-07
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: Kashable LLC (TX)

This complaint seeks to have kashable LLC and XXXX identify why is there a report of a XXXX day late reporting to XXXX on an account that was paid and closed in XX/XX/XXXX with Kashable LLC. I've tried to bring this to the attention of Kashable supervisor ( who I was told was on the phone and then at lunch and he would return my call but never did ). I continued to make calls attempting to rectify this issue, using all my time and energy for this egregious error that caused an XXXX point decrease in my credit score. I brought this to the attention of Kashable and they deny they reported this ( although I disputed the 30, 60, 120 day late they did report back in XX/XX/XXXX and again in XX/XX/XXXX ). I was told by XXXX supervisor that it was the creditor that report these items. I am back and forth between XXXX and Kashable and both are saying it was not them it was the other.
Consumer complaint received 2022-10-17
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. (NJ)

Repeat item from previous Complaint XXXX ( opened XX/XX/XXXX ). I submitted my identity evidence and account info in that complaint. 

Equifax did NOT restore my XXXX Credit Card account, as I requested in the above Complaint. Per a discussion I had with XXXX, they did a soft inquiry showing that Equifax had suspended this account. This action was taken WITHOUT my knowledge or consent. I have all the written dispute letters sent to Equifax, and at no time did I ever request this. Equifax 's action has caused removal of this account from ALL the credit bureaus, not just Equifax. 

XXXX said that they can not restore this account- they stated that ONLY Equifax can do this. 

I opened this credit card account in XXXX and it is still active. Because it has NEVER been late or delinquent, the removal of this account already has negatively impacted my credit rating and will years into the future. Therefore, this must be immediately corrected.
Consumer complaint received 2022-04-21
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 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. 

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
Consumer complaint received 2022-09-30
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. (AZ)

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Ingo Money, Inc. (CA)

I opened a XXXX debit card account. I emailed XXXX a photocopy of my state identification card and IRS tax returns to verify my identity. XXXX reviewed and accepted my documents and mailed my permanent XXXX card. My account is active and in good standing. I downloaded the XXXX App and created an online account. I attempted to mobile deposit a government check ( unemployment insurance ). I endorsed the check and took a clear legible photograph of front and back. I then received a verification error message. It stated Ingo Money Services was unable to verify my identity and to deposit elsewhere. This is egregious for Ingo Money Services. I have already successfully submitted my valid state identification card and IRS tax forms. How are they unable to verify my identity? My ID card is not expired and was approved by XXXX. The name on my check is the same as it appears on my state ID, IRS tax return and XXXX account. I called XXXX to ask why Im unable to deposit my government check. They said I have to contact Ingo Money Services. XXXX indicated they accept unemployment checks. I called Ingo Money Services on Monday, XX/XX/2021 and was on hold for over an hour. Then I spoke to a female representative ( XXXX XXXX ) who was rude and continued to interrupt after I asked her not to. She had an unprofessional tone and continued to interrupt on purpose. She refused to answer my questions. Then after providing my personally identifiable information, she stopped talking and I was on the call without any sound. The phone conversation occurred around XXXX XXXX. PST. The telephone number I called was ( XXXX ) XXXX. I asked the agent to call me back if the call was disconnected. She indicated yes, however, I never received any call back. Essentially, she deliberately lied and was dishonest to the core. This reflect poorly upon Ingo Money Services and XXXX. 

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims court action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Federal Trade Commission CC : Attorney Generals Office
Consumer complaint received 2021-12-07
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. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and XXXX and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-09-06
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. (TX)

I'm completely stressed out from false information that continues to be reported to my credit report by Equifax, XXXX, and XXXX! There was absolutely nothing done or changed from my dispute that I sent to all three of them on XX/XX/2021! I did NOT receive any results from any investigation and that is a FCRA violation!
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. ()

Since moving to XXXX I have not been able to login to my Chase account without changing the password which lasts a few hours. On XX/XX/XXXX I spoke to a Chase customer service rep requesting that my checking account be closed. At the time I had a negative balance of {$2.00}. I was told once I created a zero balance the account would be closed so I XXXX XXXX the {$2.00} to the account on XX/XX/XXXX and it was accepted. Yesterday I received an email telling me my checking account was overdrawn by {$15.00}, which is an automatic debit for a credit card debt, so the account had not been closed. I called both yesterday and today to have the account closed as was promised, offering to pay the {$15.00} by XXXX. I was told each time by both a customer service rep and a supervisor that the account could ONLY be closed at a branch. I explained that I now lived in XXXX and there were no branches of Chase here in XXXX, XXXX. I was told that nothing could be done until I went to a branch bank in the United States to close the account. I've wasted a good XXXX or XXXX hours without any resolution for a {$15.00} debit!
Consumer complaint received 2021-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber (MS)

A debt collection agency by the name of Grant and Weber is reporting a debt on my XXXX, XXXX, and XXXX Credit reports. The amount of the debt reports to be for {$510.00} The report that the account Original Creditor was XXXX XXXX XXXX XXXX and was opened on XX/XX/2029. 

I have filed several disputes with this debt collector as this was an account that I have no knowledge of nor did I authorize it being open. It is the result of some form of ID Theft. however, the company always comeback with the standard response as, " Verified as Accurate ''. However, no further details are provided. No copies of a DL or any type of documents to suppose the opening of the account. 

As a result of this inaccurate and incorrect reporting, my security clearances with my present employer are in direct jeopardy and I could very well loose my job. To that end, I am requesting a thorough review and these reporting 's be removed from my XXXX, XXXX, and XXXX credit reports immediately and sent back to the original creditor for further review and investigation.
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (NV)

On XX/XX/22 I purchased two {$100.00} XXXX gift cards from XXXX XXXX XXXX store on the corner of XXXX and XXXX in XXXX XXXX, XXXX When I got home I went on the website to activate them but when I did it said that the number was not good so I tried the second one and it said the same. So I called the XXXX number on the card but they told me they could not help me because you can only activate it on the website. So I took the cards back to the store and told them what happened and they checked to make sure that the money had been put on the card and it had. So they gave me a reference number and told me to call the XXXX number again and give them the number. So I did and they said reference number they still could not help me so I asked to speak to a supervisor and was told that a supervisor couldn't help me either but I again asked to still speak to one and they refused. So I called the phone number on my receipt and explained my situation and they said that there was nothing that they could do only XXXX can fi the problem. So I went on line and and found XXXX gift cards and found a phone number. So I explained my problem and they said they were sorry but all they did was transfer to other people until they transferred me to the original people who wouldn't help me in the first place so now I'm out {$200.00} dollars. I hope that you can help me. I am very frustrated. Thank you
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act Department of Education Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Credit Card Account # XXXX and # XXXX, XXXXXXXX XXXXk Account # XXXX has violated my rights. 

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.