davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-10
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. (NY)

After carefully going over my credit report on XX/XX/2020 I seen 3 fraudulent accounts and an inquiry that doesn't not belong to me. These accounts are identity theft and is causing serious harm to my credit profile.
Consumer complaint received 2019-09-04
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: JPMORGAN CHASE & CO. (MA)

There is an inquiry that has been placed on my credit report on XX/XX/2019 by CHASE BANK from JPMCB CARD. I sent the credit bureau ( XXXX ) a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application and if CHASE BANK claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that CHASE BANK verified or validated this inquiriry when in fact I never authorize the bank to submit any application for credit. What I received from the credit bureau is not enough to validate this inquiry. I received the copy of the credit report on XX/XX/2019, this application was submitted fraudulently.
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As I do every year... I go online https : //www.annualcreditreport.com/index.action to get my credit report. Which I must say is getting harder and harder ... to get. 

Upon filling out all required information I receive 2 credit reports but TransUnion. I follow the instructions, and per instructions I sent transUnion a letter with what they required on the instruction online. 

After several days, I get a letter from TransUnion requesting more data [ phone, address, etc... ] but no credit report. I refuse to provide TransUnion any further information, since they are in the business of selling information to third parties & the public through their their service XXXX. Which honestly I think it should be illegal and CFPB or any other consumer protection agency should look into this and have them stop. How is it that a Reporting Agency that gathers and suppose to keep information private ... Can proceed to sell private citizens information it collects for a profit .... 

Very bad ....
Consumer complaint received 2020-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

Equifax has numerous inaccuracies on my report In which the demand I verify the inaccurate information and now they have my complete credit profile block so I cant submit a dispute. They are also falsifying the valIdation process for debt on my credit profile.
Consumer complaint received 2020-08-10
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: WELLS FARGO & COMPANY (GA)

I have a loan with WELLS FARGO DEALER SVC,  XXXX XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, WELLS FARGO DEALER SVC, XXXX XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (SC)

On XXXX my insurance Adjuster made 5 payments to my chime account but 2 of the payments was for my boyfriend. So chime sent me a email saying they couldnt deposit the money because he was not on my account. So they only deposited 3 of the 5 which had my name on it. Then on XXXX chime went back in my account and took 2 of the 3 payments they deposited in my account.

2 of the payments was XXXX each and 3 payments of XXXX. 

My adjuster did a void on my boyfriend 2 payments and they bank received those two payments back but the money missing out my account was not returned to the adjuster bank.

Chime banking- XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( my adjuster name is XXXX XXXXXXXX
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. (LA)

This is my sixth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX
Consumer complaint received 2023-01-20
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. (GA)

The following inquires were not approved via the contact listed on my credit report. I am a victim of continuous Identity theft. My personal information was compromised and is listed on unsolicited sites. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2019-09-04
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: CORELOGIC INC (CA)

Don't know who Credco, or CoreLogic is, nor have, or did I sign, any agreement, or authorization, or verbally authorize for them to run my credit on XX/XX/2019! Nor can they provide any type of documentation stating so.
Consumer complaint received 2020-08-10
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: SYNCHRONY FINANCIAL (LA)

I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX ), SYNCB/CARE CREDIT, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ), SYNCB/CARE CREDIT, and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2018-06-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (WA)

My wife and I have been having difficulty with U.S. Bank regarding a business credit card and have tried on numerous occasions to resolve the issue. They claim that are mail is undeliverable the past XXXX months so we could not get a credit card statement. When we went online no statement was issue from the last one posted XX/XX/2017. The minumum payment was XXXX we paid XXXX. We sent XXXX payments certified mail with money orders. We tracked the Money order and Certified mail and they were accepting delivery and cashing the money orders eventhough we received no statement paid in good faith XXXX. They refuse to post the payments that we made and charged us late fees cashing money orders after the due date. We were also charged interest rates last month XXXX now XXXX %. Last Month XXXX we sent a certified return receipt and they did post a XXXX payment but still refused to post the past payments. We contacted the Attorney General of Washington XXXX and showed the documents along with the claim of undeliverable mail.
Consumer complaint received 2021-06-25
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 (NC)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2023-01-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (IN)

I got a car loan from XXXX XXXX XXXX and every time I made a payment my balance never went down for 2 years until noticed 2 yes later and started getting money orders then I started seeing balance get lower but until then no. Overdraft fees that shouldn't have been and also in XXXX of 2022 the atm took my {$150.00} and it NEVER came back on my card and banker act like they couldn't help me. I need up loosing my truck and still owe XXXXXXXX XXXX XXXX
Consumer complaint received 2021-06-25
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: SYNCHRONY FINANCIAL (OR)

On XX/XX/2021 My Pay Pal account was charged for {$89.00} from a company named XXXX XXXX XXXX XXXX. I called and complained and they denied my claim due to the fact that they said I had agreed to the charge and that is not true. 
I am XXXX and a veteran having served overseas for our country and my wife passed in XXXX and this bothers me so much. I got a denial with the address where I could make a final appeal and I did so. They never even answered me. So I called the credit card company for Pay Pal and cancelled my account and cut up the card. 
There was an email that said " download or cancel '' and I clicked on cancel. I didn't even know what they were selling. This is elderly abuse and I will tell you that Pay Pal is paying anyone that says they have money coming because there was no checkout to a point about paying or anything. I am on Social Security and cannotr afford this bill. The credit card company Syncrony told me I should pay it to keep myself out of collection while I was waiting so I did. 
Please help me with this as I am feeling totally used.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (PA)

Hi I don't know where to go at this point I herd that you guys would please be able to help me. I am knew to XXXX XXXX and seeing my score and what is showing on my score, trying to fix and better my life for my family. I see something from Syncb/Walmart not once but twice. Also the XXXX XXXX not to mention I have a XXXX XXXX XXXX account that is currently active and I have never applied for nor have this car, that someone is still using, I have tries emailing XXXX XXXX about all this and even XXXX XXXX XXXX and the other companies no one can give me and answer. I just don't understand I never applied for any of thay and can't figure out who or where to go at this point. Espasilly because there's an active card I am not even using. Is this a scam identify theft I don't get it. I would truly appreciate it if you were able to help me. Thank you so much
Consumer complaint received 2020-08-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (WA)

This is a very general complaint that covers a variety of businesses and financial institutions, specifically : Late Fees and Overdraft charges on all types of accounts. 

Banks ( XXXX ) have charged me {$16.00} and ( up to {$32.00} ) for an insufficient funds charge. One rent check was posted early and caused multiple other checks to bounce with 10 charges totaling {$160.00} even when I requested them to deny the {$900.00} rent check so that the others could clear. 

This also includes credit card companies ; Chase charges a {$39.00} late payment fee in addition to the exorbitant interest on their card, and same for others, XXXX XXXX, XXXX, etc. 

Additionally this is a practice by every service provider business model out there from Internet Services to Cell Phones. The amount they charge for a 1 day infraction is ridiculous and MUST BE STOPPED!!!
Consumer complaint received 2018-11-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Risecredit, LLC (MS)

XX/XX/2018 I applied for a {$2500.00} loan and I put in my bank account info, .because that account was where I wanted to funds to go. The problem is I have 3 bank accounts. 
It was unclear when applying what the bank verification was trying to attempt. 
The verification was to see my deposits and transactions so I was declined because the account I used for the application is where I deposit checks i get in the mail ect. 
My income check auto deposits to a Credit Union in a different state than where I live. 
I wanted to deposit in an account where I could withdraw without paying fees My intent was to use the money for some small home repairs completed, some folks prefer to be paid in cash, That was my thinking. 

When I called to try to redo the bank info to point to the account where my income is deposited I was told I could re-apply in 45 days. That doesn't help. 
.
Consumer complaint received 2018-11-12
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: CITIBANK, N.A. (CA)

Hello. I looked into my credit report around XX/XX/18. I saw that my credit report had a XXXX credit card. I never signed up for one. So I disputed it on XXXX. They said that it was accurate. I called the home depot and they said that there is a credit card with my social sercurity number on it but they can not discuss it with me since my name isnt on the card. I disputed it again with XXXX and they are still saying that it is accurate. The has good history but its XXXX dollars limit. I would like to have the card removed from my report. ASAP.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Im being denied credit due to equifaxs denying access to my credit file for credit reference. Ive written them and asked them to remove the fraud alert and they have not. Id like the fraud alert removed ASAP. 
Thank you
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

There is incorrect information on my credit report. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX, XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXX XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-13
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. (IL)

This account that's showing on my report by XXXX XXXX XXXX in the amount of {$1400.00} is not mine, nor do I have any accounts or contracts by this company, EQUIFAX is fraudulently reporting an verifying an account that does not exist.
Consumer complaint received 2020-08-10
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. (OH)

I checked my credit report and found accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and  fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Consumer complaint received 2021-11-05
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: GOLDMAN SACHS BANK USA (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting misleading information on GOLDMAN SACHS BANK ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Review this reporting by making a revision of the information provided. Adjust and process any corrections or deleted this from my personal file.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX.
Consumer complaint received 2020-08-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

I have a letter form Wells Fargo talking about it. They can't fine my savings account with only me XXXX XXXX and XXXX XXXX XXXX  name on the account. I have a letter to provide to you as proof. To show you the trust of this matter. This is a lot of money that they have lost. No one closed the account. So were is the money. Now my rights have been violated by them not have my account open. Under the customer protection act. I need my money
Consumer complaint received 2020-08-10
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. (CA)

I took out a loan with my ex husband in XXXX. We divorced in XXXX. In our divorce decree, my ex husband was awarded the car. 

Once he took possession of the car, not only did he lie about being XXXX XXXX, he hid the car when XXXX XXXX tried to repossess it. He then agreed to settle for less than what is owed on the vehicle. 

This is causing my credit to keep me from obtaining a new vehicle. 

XXXX XXXX says I am still responsible for this vehicle. If I am responsible then why was I not notified about the settle for less agreement? If I am responsible for this vehicle, why does my divorce decree say different. 

I have tried multiple times to get this removed from my reports and XXXX XXXX refuses.
Consumer complaint received 2022-08-02
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. (IN)

On XX/XX/2022 I authorized XXXX  XXXX to pull my credit in the process of applying for a personal loan. During this process XXXX experienced some sort of internal error that they were unwilling to disclose to me. At some point in this process without my authorization on XX/XX/2022 they initiated a second hard inquiry that I did not give them permission to use. As they had already done a hard inquiry on the XXXX. After nearly a month on XX/XX/XXXX they sent me a letter denying my loan because they were unable to verify credit information. I tried to go through their corporate division and was told that there was no second hard inquiry on my credit and that everything that they did was correct even though clearly it is not. I tried to dispute this through Equifax and they also said that this inquiry was correct and it is not.