davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (CO)

On XX/XX/XXXX I had lost my debit card but wasnt sure if I just misplaced it so I locked my account so that If found and used it wouldnt affect my account. Well unfortunately that did me no good. I called chime and let them know that I lost my card, but my money that was deposited into my account was gone via an atm. There was my tax refund deposited on the XXXX for {$3600.00}, and my card was locked yet money was taken through an atm. I called the atm company ( which I didnt know what they were until calling ) they asked if I contacted my bank. I stated I did and they said they would speak to them and that was all I needed to do. Almost 3 months after reporting these unauthorized transactions Chime closed my account and said they would investigate and could take an additional 90 days. I contacted them daily and even asked why it is taking so long when I locked my card, I even asked for access to these funds that were taken, however I was told that they were not obligated to do anything for me and wouldnt have to provide me a timely decision. That said as soon as they cancel my account, everything was deleted from my phone by them shortly after I received a denial letter stating that they were not going to replace the money that was taken. I immediately requested the information that led them to this conclusion and within 1 month they sent it. They didnt even investigate and despite giving them multiple screenshots of failed transactions, all of the charges went through despite my emails stating they were denied. They said they would look further into it if I submitted a request through a different email account and I requested arbitration as their page stated when there is not a satisfactory explanation. I even complained to the bbb but nothing happened and I still dont have my money and now they are reporting me to the credit bureau and they have my money and now states that Im in default on my credit building account which is tied to my checking but my funds were not available nor could they be withdrawn from an atm. To date they have my money and are unwilling to refund my money nor are they following their own account information with regards to arbitration. I have sent notifications to the irs regarding my refund being stolen despite it being deposited into my account during a time that I was unable to access my account without my debit card. Chime is no longer answering my emails or calls. I need help getting my money back.
Consumer complaint received 2022-08-23
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. (FL)

In accordance with the fair credit reporting act : 1XXXX XXXX : XXXX 2. XXXX XXXX XXXX : XXXX 3.Drpt of Ed : XXXX 4.XXXX  XXXX  XXXX XXXX XXXX XXXX 5.XXXX XXXX XXXX : XXXX 6.XXXX-XXXX XXXX  XXXX 7.dept of Ed/XXXX  : XXXX0 8.dept of Ed/XXXX XXXX : XXXX 9.XXXX  XXXX : XXXX 10.XXXX XXXX XXXX XXXX : XXXX 11.XXXX XXXX  : XXXX 12.XXXX XXXX : XXXX 13. XXXX  XXXX  : XXXX 14.XXXX XXXX : XXXX 15. XXXX XXXX  : XXXX 16.depted XXXX  : XXXX 17.XXXX XXXX XXXX  : XXXX 18.XXXX XXXX XXXX XXXX 19. XXXX XXXX : XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A.Section 2 : it also states that a consumer reporting agency can not furnish a account with out my written instructions.

15 U.S.C 1681 - Congressional findings and purpose. : ( B ) ( 4 ) Reasonable Procedures. F.C.R.A 15 U.S.C 1681C-2 ( A ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Block of information resulting from identity theft.

18 U.S.C 1028- ( A ) ( 1 ) ( 3 ) ( 7 ) ( 8 ) Fraud and Related activity in connection with identification documents, authentication features, and information.

No SSA-89 form for furnished information ( s ).
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc (MI)

I need legal assistance i don't know what to do. This is for another job That required a background check. The same company I complained about before, Checkr. They closed the case and didnt fix the issue. So now another job i applied for asked for a background check and the same 2 wrong addresses are on my background check!!!. I have had identity theft and I really need help. Its going on for years and I know who did it, sold my information, ( ex ) but no ones helped me except me and its taking a lot out of me and a lot out of my credit score and life in general. Here is my last complaint. This complaint is the same but different job i applied for Last complaint closed without fixing XXXX CLOSED YOUR COMPLAINT I have had identity theft that I recognized starting in XXXX. Not receiving mail, accounts taken out in my name. Contacted postmaster general, got response then nothing. Have files of paperwork that is WRONG. Never could Get to the bottom of this.Computer expert concluded my ex had sold my name and info. as well as my kids. Filed an identity theft report in XXXX County in XXXX which they lost I am ON file with the IRS as an identity theft victim. I believe it involved my then and now ex husband XXXX XXXX XXXX XXXX MI XXXX XXXX - but since I'm just a small person, no one cared. I just got a background check for Instacart and now I know what I knew before but couldn't prove. There are Two addresses in two states that I have never lived in claiming to be mine. I have NEVER LIVED IN NEW JERSEY OR NORTH CAROLINA. How do I correct this information and get it expunged as I know it's probably too complicated to get to the bottom of this. It has affected my life greatly. I will attach the report if possible. Thank you. XXXX XXXX ( went back to my maiden name hoping I could clear up my credit ). Former names XXXX XXXX, XXXX XXXX XXXX responded ( and didn't help at all! ) STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Hi XXXX, Thank you again for contacting Checkr. There are many factors that drive which jurisdictions are included in the scope of service provided to requestors of background reports. Checkr does not choose but instead is directed by the requestor. However, we believe that consideration is given to data reported by various data sources and is sometimes dictated by law or regulation. Checkr is a consumer reporting agency that provides background check reports. Checkr does not assess your qualifications or determine the requirements or criteria on behalf of the party you applied with. The party you applied with, not Checkr, would review the information you submitted and make the final decision regarding your background.
Consumer complaint received 2019-05-02
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. (GA)

I looked at my credit report and notices some missing payments and a collection account I am unaware of. 

Please investigate the following account need be reviewed and updated : XXXX XXXX has not reported payments for XXXX, XXXX, XXXX and XX/XX/2019 XXXX XXXX XXXX - Account : {$540.00} Balance {$450.00} Original Amount I do not recognize this account and it does not belong to me please re-investigate delete this account from report. 

I have been wrongfully denied credit due to the following reporting mistakes. I have enclosed my ID and a bill as requested
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (CA)

Investigation was not completed. Asking a business if a person owes them money is not sufficient. The bureau is reporting inaccurate information if there is no proof I owe this debt and they did not provide this proof. XXXX is the item.
Consumer complaint received 2022-08-23
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. (AL)

Ive disputed A collection with XXXX. XXXX  XXXX XXXX  XXXX. Are reporting my XXXX XXXX account as {$860.00}. The amount owed is {$860.00}. My Experian credit report. Shows this same account as XXXX XXXX XXXX XXXX XXXX XXXX account as {$860.00}. I received a Certified Letter from AD XXXX XXXX  XXXX  today. From the USPS. This Certified document. Shows I owe {$860.00}, not {$860.00}.
Consumer complaint received 2021-08-04
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: Porania, LLC (CT)

I have these accounts that does not belong to me and want them to be removed from my credit report asap. 

XXXX  1. Identity Theft XXXX Account Number : XXXX  This is not mine. 

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

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

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

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

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

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

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

3. Identity Theft XXXX  XXXX Account Number : XXXX 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. 

6. Identity Theft XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

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

XXXX  1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

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

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

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-02
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. (CA)

Hello, my name is XXXX XXXX XXXX and I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.
Consumer complaint received 2022-04-25
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/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.
Consumer complaint received 2022-04-15
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  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-04-15
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. (MI)

Please remove this account from my credit report. The Balance is incorrect. XXXX has it as {$14000.00} and Equifax has it as {$14000.00} The High Credit balance is incorrect. XXXX has it as {$13000.00} and Equifax has it as {$10000.00}. The Past Due amount is incorrect. XXXX has it as {$14000.00} and Equifax has it as {$14000.00}. Please remove this account from my credit report, I would like my credit report to report accurate information only.
Consumer complaint received 2018-07-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

The following ( attached is a complaint just filed which I meant to identify as a DUE DILLIGENCE issue with the application process. ) Please see attached I want to reiterate again that Wells Fargo is acting in retaliation and discrimination because where I bought my home was a predominantly XXXX XXXX neighborhood and because they are upset that I have been trying to modify and keep my home.
Consumer complaint received 2021-08-01
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. (GA)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

Macy 's DSNB has committed federal mail fraud pursuant to 18 USC 1341 & 1343 by sending me the consumer/natural person alleged debts requesting me to pay when they knowingly knew that the credit card/social security card provided by the United States of America. The also know that debts are the obligation of the United States pursuant to 8 USC 18 and 31 USC 3123.

18 U.S. Code 1005 - Bank entries, reports and transactions U.S. Code Notes Whoever, being an officer, director, agent or employee of any Federal Reserve bank, member bank, depository institution holding company, national bank, insured bank, branch or agency of a foreign bank, or organization operating under section 25 or section 25 ( a ) [ 1 ] of the Federal Reserve Act, without authority from the directors of such bank, branch, agency, or organization or company, issues or puts in circulation any notes of such bank, branch, agency, or organization or company ; or Whoever, without such authority, makes, draws, issues, puts forth, or assigns any certificate of deposit, draft, order, bill of exchange, acceptance, note, debenture, bond, or other obligation, or mortgage, judgment or decree ; or Whoever makes any false entry in any book, report, or statement of such bank, company, branch, agency, or organization with intent to injure or defraud such bank, company, branch, agency, or organization, or any other company, body politic or corporate, or any individual person, or to deceive any officer of such bank, company, branch, agency, or organization, or the Comptroller of the Currency, or the Federal Deposit Insurance Corporation, or any agent or examiner appointed to examine the affairs of such bank, company, branch, agency, or organization, or the Board of Governors of the Federal Reserve System ; or Whoever with intent to defraud the United States or any agency thereof, or any financial institution referred to in this section, participates or shares in or receives ( directly or indirectly ) any money, profit, property, or benefits through any transaction, loan, commission, contract, or any other act of any such financial institution Shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.

As used in this section, the term national bank is synonymous with national banking association ; member bank means and includes any national bank, state bank, or bank or trust company, which has become a member of one of the Federal Reserve banks ; insured bank includes any state bank , banking association , trust company, savings bank, or other
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

US SM BUS ADMIN ODA XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/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 reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-15
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. (FL)

To Whom It May Concern, On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my third request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.
Consumer complaint received 2021-09-15
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. (NC)

To whom it may concern all of the following I never ever applied for. I have no knowledge of. Was never authored by me, Today 's date is XX/XX/XXXX. Over the past few months I have tried to get these this inaccurate on my credit report off my file. XXXX  - Card Service Inquiry from XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX XXXX  XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX. Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX - Card Service  Inquiry from XX/XX/XXXX, XXXX/XXXX  XXXX Inquiry from XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX , XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX
Consumer complaint received 2022-08-02
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 SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX  XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 FL XXXX