davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TX)

I opened an account with CHIME. I received an email from the CEO thanking me for becoming an account owner at chime. I received the debit card in the mail a week or so later. when I tried to activate it, I got error message saying my account was suspended. I've been emailing for months with no help. I have an account opened in the name I own, and can't access it. ive called multiple times in over weeks now and they keep saying that they will respond to my email.its been weeks. I know securities were created with my signature. I know my credits are being used without my authorization. I warned chime multiple times. now this is final notice. I will submit forms for IRS to get involved in 3 business days. the email associated with account is XXXX XXXX
Consumer complaint received 2022-10-07
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (TX)

Affirm has blocked access to my account on their app for no reason. I am unable to use their service to pay. In contacting customer service, they refuse to give me a reason as to why my account is blocked. Under Federal Law, a creditor is required to give specific reasons as to why credit is denied, and information on the credit bureau they used to come to their decision.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

i'm XXXX XXXX, on XXXX i made an order on the website called XXXX XXXX XXXX XXXX. it was a pen called XXXX XXXX XXXX XXXX and the transaction was {$2000.00}. til now, i still hasn't get my pen. they keep saying that i was a first in line getting then later said it was delayed dude to high demand and now stop replying me and not picking up my call. at first i want is that either the dealer fulfill my XXXX # XXXX or if can't then they need to refund my money back. because they make me wait for so long and now my bank ( chase ) seem like they not going to take my claim serious because it so long ago and they want me to talking with the dealer but the dealer never reply. so i want my bank to continues work on my case and refund my claim.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is the several times I've complained about being a victim of identity theft. You must delete any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX  XXXX Balance : {$63.00} XXXX  XXXX Balance : {$93.00}
Consumer complaint received 2016-09-14
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Go Capital Holdings, LLC (IL)

Hi I finance a XXXX Chevy Tahoe with Go Fincial in AZ and the truck was paid in full XX/XX/2016, they have not reported truck paid I file complaint with XXXX and they have completed it saying it is correct. This is not true.
Consumer complaint received 2022-04-21
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. (MO)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting of misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-10-07
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: GOLDMAN SACHS BANK USA (CA)

I purchased subscription to an app through apple using their service and credit card. After a few months the app quit working, so I reached out to the app developer, few weeks went by with no reply. So I tried again and recharged out to apple to see what assistance they could provide. Still no response from the developer and my conversation with apple pointed me back to the developer. 
After a deeper investigation, the developer is in XXXX, so I am not sure if my requests for support are getting through. 
I once again reached out to apple, this time requesting a refund do to the persistent issue without hope of a resolution. They once again pointed me back to the developer.
Consumer complaint received 2022-04-21
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)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-12-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (MD)

I am distressed that you have included DEPT OF ED/NELNET XXXX information in my credit profile on and that XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 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. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A year ago I filed Bankruptcy. All of my debt was discharged trough it in 2015. 

Back in XXXX I checked my credit report to make sure that there was no more debt. I noticed that the reports showed {$0.00} balance on the accounts but that the accounts were still opened.I disputed the status of the accounts and both XXXX and XXXX corrected the status to show as closed but Trans Union did not. 

After receiving the results dated XXXX XXXX from Trans Union, the accounts still showed as open. I then re-disputed the accounts and waited for more results. As of today, my credit monitoring service shows Trans Union still reporting them as open. 

I know that what Trans Union is doing is illegal. They are supposed to investigate the accounts and correct and update them. How can they update an account as open if it is included in bankruptcy and they have the records to show Bankruptcy is filed and all the accounts are included in it? That is either laziness or willful negligence. 

Now that they have had XXXX chances to correct my records and have failed to do so, I am imploring you to look into their practices. If this does not get corrected I will be forced to take more drastic measures as I wo n't allow them to misreport my information.
Consumer complaint received 2021-12-10
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: EQUIFAX, INC. (CA)

Hello! My name is XXXX XXXX. My current address is at XXXX XXXX XXXX XXXX CA XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
Below are the date, account ( s ) and account number ( s ) .This request has been denied and I would like thiese inaccurate information to be REMOVED. 

DATE DISPUTED XXXX IN XXXX XXXX AND EQUIFAX XXXX XXXX IN XXXX ONLY XXXX XXXX XXXX I would also like thiese inaccurate information to be UPDATED TO POSITIVE. 
DATE DISPUTED XXXX IN XXXX XXXX AND EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (SC)

This is the several times I've complained about being a victim of identity theft. You must delete any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX  XXXX Balance : {$63.00} XXXX  XXXX Balance : {$93.00}
Consumer complaint received 2022-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (MI)

I was informed that I had a previous debt with XXXX and I was resolved to pay it off since it was a small amount but then I thought the bill was not mine so why should I pay it. I filed a complaint and requested that they send me a final bill so I can rectify the bill while all along I had no intentions of paying a bill that was not mine this bill was at an address I never lived at and plus at the same time I was living at another address.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (KS)

XXXX XXXX XXXX IS REPORTING XXXX ACCOUNTS LISTED FOR A XXXX WHICH IS NOT ME. YET THEY KEEP REPORTING ON MY CREDIT REPORT WITH EXPERIAN. I HAVE FILED A POLICE REPORT AND NEED THIS INFORMATION CORRECTED IMMEDIATELY. 

ACCOUNT # XXXX
Consumer complaint received 2022-04-21
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. (MO)

On or around XX/XX/2021 I contacted XXXX, XXXX, and Equifax about the inaccurate accounts, inquires, installments and public records that are reporting on my consumer credit report. After contacting XXXX, XXXX, and Equifax, the inaccurate information has continued to be reported. XXXX, XXXX, and Equifax is in violation of my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), ( 12 CFR part 1022 ) regulation V ), and have committed copyright infringement. Also XXXX, XXXX, and Equifax has continued to violate my right to privacy under ( 15 USC 1681 ( a ) ( 4 ). All concerning documents have previously been sent to XXXX, XXXX, and Equifax.
Consumer complaint received 2022-10-07
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. (GA)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2021-12-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Ria Envia, LLC (FL)

My name XXXX XXXX, phone number XXXX XXXX, address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX. Since XX/XX/2021 I have been blocked to send money by almost all money transfer companies such as XXXX XXXX, RIA etc... I called them many times because I wanted to know the reason they blocked me from making money transfer, and the agents whom I talked to, told me that they can not tell me anything because they received order. 

As I get extended family in my native country, I used to send money to help some of them. Today, I went to RIA to make a money transfer the same situation happened again. That was why I decided to make a complaint to see whether you can help me finding a solution.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I received a call from Citi Bank asking if I had authorized or had initiated a transaction via XXXX for the amount of {$780.00}. I quickly replied I had not. They advised me that whomever had accessed my account had moved money from my savings account to my checking account Citi Bank sent me a text XX/XX/XXXX at XXXX stating my XXXX transfer had been canceled and reversed for {$780.00} and to allow 24 hours for funds to become available ( ref. # XXXX ). 

I followed up with Citi Bank on XXXX asking for a status on the reversed payment. They advised it would take 3-5 business days. 

On XX/XX/XXXX I went to the XXXX XXXX branch and submitted another status report and update on the funds. They had me file again another request for the funds to be returned. They also had me do a police report which I also completed that same day. 

On XX/XX/XXXX I received a call from the XXXX XXXX branch letting me know that the request was denied because " I had initiated the transfer '' and I would need to go in to escalate the issue. 

I went into the branch on XXXX and made filed another request to escalate the issue and spoke with representative over the phone asking me questions regarding the initial transaction. They advised me this could take up to 30 days to resolve. 

They have now mailed me a letter stating they stand with their decision. That I initiated the transaction and they will not return my {$780.00}. 

I have the proof of when they texted me they would return my {$780.00} and I can provide the necessary records to show proof.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OR)

In XXXX of 2022, I received a flyer in the mail from Chase bank offering me up to {$600.00} to open up a checking and savings account with them and making a {$15000.00} deposit and setting up direct deposit with them. In early XXXX, I went online and opened up a checking and savings account with them. Over the next few weeks, I made deposits of over {$15000.00} and went to my employer and had them switch my direct deposit over to Chase. Everything seemed fine until I got a letter in the mail on XX/XX/XXXX stating that I would not be able to access my account and it will be closing soon. The next day I called the number in the letter and they said that Chase has decided to close my account. They gave no reason and they said once my account is closed, I will get a check in a few weeks for the balance in my account. Why send me a flyer in the mail that I then respond to and jump through all of the hoops and now I don't have access to over {$15000.00} of my money. I also have to go back to my employer and set up direct deposit with another bank. I feel mislead and they can't even tell me what I did. Chase also has a large chunk of my money and refuse to give me access to it. I feel like I got robbed from a bank.
Consumer complaint received 2022-10-07
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)

This is my sixth attempt to notify the Credit Bureaus that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. My information has been exposed in the Equifax data breach. The following accounts, inaccurate name and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Please remove the following accounts completely from my Credit File XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} CHILDSUPPORT XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2021-12-03
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. (FL)

I applied for a personal loan through my bank but the credit bureaus are stating that I have delinquent accounts when I don't. I sent all 3 bureaus a copy of my XXXX  XXXX discharge papers. So nothing should be showing under potentially negative. I only have 5 accounts open and all of them are current. I will greatly appreciate any assistance. I have been dealing with this since last year and my credit reports are still not updated correctly.
Consumer complaint received 2022-08-04
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. (MI)

i went to the car dealership applying for a car and they pulling my credit report over 20 times 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 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have spoke with someone several times regarding hard inquiries that do not belong to me I recently sent them a letter regarding these inquiries along with proof of my driver 's license they are being very uncooperative about the situation I am Desperately Seeking help with this