davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. Its been well over 60 days and noting have been corrected. I feel my rights are being neglected and my issues are being ignored. Per 611 ( a ), a failure to investigate within 30 days justifies immediate removal of theses items from my credit report. Also, per FRCA it is required that Im provided proof of original documentation bearing my signature and/or method of verification used within 15 days of a completed investigation, which I received neither. It has been well over 45 days so I would expect the items to be deleted ASAP. I demand proper action be taken and these accounts be deleted immediately or I will file for litigation due to the mental and financial stress caused. Additionally, my information could have gotten in the wrong hands due to the Equifax data breach.
Consumer complaint received 2022-09-24
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: EQUIFAX, INC. (CA)

n accordance with the Fair Credit Reporting act XXXX Account Account : XXXX # XXXX, Account : XXXXXXXX XXXX # XXXX, Account : XXXXXXXX XXXX # XXXX, Account : XXXX XXXX service # XXXX, Account : XXXX XXXX Bank # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX # XXXX, Account : XXXX XXXX XXXX  XXXX # XXXX Account : XXXX XXXXXXXX XXXX  XXXX # XXXX, Account : 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 2022-06-08
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. (CA)

multiple inquiries & unauthorized XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 n 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 us 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 .This 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-24
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/2022 PayPal / Synchrony Bank decreased my credit limit from XXXX to XXXX. I had a XXXX dollar available credit at the time of the decrease. Once i made my payment they took that XXXX dollar balance away. No late payments during my duration of having this account with PayPal / Synchrony bank. I paid well over the minimum payment due since opening my account. With out warning this agency decreased my credit limit. In which cased my credit score to drop XXXX points. Them making this decision on behalf of me violates my rights as a consumer. Also harmed my ability to keep a good payment reputation with other agencies.
Consumer complaint received 2022-09-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OH)

Chime bank asked me to prove my identity, I provided the proper documentation and was told my account was closed and they would send a refund after I provide the last 4 digits of my social and I did. They then said that they would send a check. Days later they said that they would not refund my XXXX XXXX This is after several months of going back and forth and being told they were sending a check to the address on file.I spoke with several different customer service reps and was told different things and was lied to.They closed my account with no explanation and took XXXX $ from me and cost me my apartment I'm now homeless because of Chime.
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I received a loan modification packet from Wells Fargo Americas Servicing Company for the Home Affordable Modification Program. On XX/XX/2013, I uploaded the requested documents to their Borrower Portal. I uploaded the additional documents requested on XX/XX/2013. I submitted all documents before each deadline. However, my case was closed because Wells Fargo stated they didnt receive them. So, on XX/XX/2013, I resubmitted all the documents requested and asked that they reset up my modification request, per their instructions. Throughout the process, I had to fax and upload the same documents multiple times. Additionally, on XX/XX/2013, and again in XX/XX/2013, I received the same packet with different due dates. On XX/XX/2013, my loan modification request was denied. After receiving a letter from them stating they would begin foreclosure proceedings if my mortgage wasnt current by XX/XX/2013, I signed a deed in lieu of foreclosure. Sometime later, a Forensic Mortgage Analysis found violations in connection with my mortgage loan.
Consumer complaint received 2022-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

PayPal has charged me two fees of {$1.00} on my debit card without my knowledge or consent. When I tried to call them several times I was treated rudely, refused a supervisor or even someone who could speak correct English! THEY DID NOT HAVE MY CONSENT TO CHARGE MY CARD AND DID IT FRAUDULENTLY AND REFUSE TO RETURN MY MONEY ADMIT THEY STOLE IT IN THE FIRST PLACE OR LET ME SPEAK TO A MANAGER! PayPal is a horrible company!
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MI)

I closed my JP Morgan Chase checking account on XX/XX/2022 and was told to wait 10 days for the funds in my account to be issued in check form, I called cust. service 10 days later and was told the check was issued on XX/XX/XXXX, than XX/XX/XXXX than XX/XX/XXXX than XX/XX/XXXX than XX/XX/XXXX than XX/XX/XXXX fonally on XX/XX/XXXX I was told to call back on XX/XX/XXXX to check the status, the bank is refusing to return money, there is no fees or loans or cause for NOT returning the money, when I call they transfer me multiple times than hang up
Consumer complaint received 2022-09-24
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WAY XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX  Original creditor XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX BY XXXX XXXX XXXX : {$120.00} Bankruptcy chapter XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-05
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO. (SC)

I, am familiar with the facts recited below ; and hereby declare under penalty of perjury that : I, XXXXXXXX XXXX XXXXXXXX am a living woman, divinely created by the All Mighty Creator, created in his image, to have a divine experience in the Jurisdiction he created and lawful constitutional rights to privacy and to be secured in my property. As living beings we do know and defend our unalienable rights at all points in time, and are willing to express those rights if need be. 

I have tried for several months to resolve the dispute with Chase requesting the original promissory note and XXXX number to prove there hasn't been any forgery or theft, all 1099 's to proof there was a loan, their terms and conditions of full disclosure, the statement of account pursuant to ucc 9-210, validation of alleged debt to prove they are indeed the holder in due course to collect and I wasn't paying the wrong party, their tax identification number to report to the IRS for tax purposes of my payments. Chase consistently ignored all my requests, continuously to NOT report to the consumer reporting agency that I disputed the alleged debt instead reporting it as late when there was indeed a finance charge 15 usc 1605 and gave my personal information to a third party to steal my vehicle without providing all proper notices and requirements and denying me of my right to rescind.
Consumer complaint received 2022-07-04
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: EQUIFAX, INC. (MD)

In Accordance with Fair Credit Reporting act XXXX, 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 15 U.S.C 1666B : A Creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO. (TX)

Someone used my identity to get a Chase Auto Loan under my name. I lost my wallet in XXXX of XXXX and now that ive checked my credit i see the Chase Auto Loan on my credit in XXXX of XXXX.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX According with the fair Credit Reporting act XXXX  Account number ending in # XXXX has violated my rights. 


15.U.S.C 1681Section 602 A States I have the right to privacy.

15.U.S.C 1681 Section 604 A Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions. 



Sincerely, XXXX XXXX XXXX : XX/XX/1990
Consumer complaint received 2022-07-29
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. (AL)

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 n 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 us 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 .This 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (GA)

I have been a customer of XXXX XXXX with Barclay Bank for over 5 years with no problems. Last XXXX they changed the conditions of my card from rewards of 2 % on all purchases to 1 % except on food and gas purchases. In addition they fraudulently claimed that I requested a new card on XXXX XXXX which created problems for me. I know I could not have made this request because I fly from XXXX to XXXX on XXXX XXXX and on XXXX XXXX I spent most of the day sleeping. I suspect they did this so that the new credit card would be in sync with the new rewards program they surreptitiously put me into. 
On XX/XX/XXXX I made a purchase of {$71.00} and received XXXX points which is equivalent to a 2 % reward. On XXXX XXXX they charged my card for a rental at XXXX for {$1200.00} and gave me XXXX reward points. which is the equivalent of 1 %. Now there were a few problems with this deed. First off, I rented the car on XXXX XXXX and my card was charged that amount. Three days later the transaction disappeared. The second problem has to do with my booking this rental. I booked it with the XXXX website which promised 5 times the reward. Mysteriously, all records of this transaction disappeared in my emails. I suspect the reason for the company 's dubious behavior has to do with the bogus insurance they offer when I made the initial rental reservation. I declined this bogus insurance from XXXX because on a prior rental I was forced to buy insurance from the rental company after I secured this fraudulent insurance. The next time I rented a car I naturally declined their sham insurance. At that time I noticed I did not receive my proper reward for the rental. 
To sum up, I think this disreputable company is engaging in deceptive practices. Law panders to these predatory companies and they think they can engage in shady practices with impunity.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : 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 Balance : {$73.00} XXXX  XXXX XXXX Balance : {$82.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$5400.00} XXXX CARD XXXX Balance : {$2300.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CO)

On XX/XX/XXXX, I went to buy money orders to pay for my rent but the transaction was voided and I wasnt to be charged for the transaction. However, chime preemptively debited my account for the entire amount. The merchant provided documentation showing they do not have the funds on their side and I filed a dispute with chime. They told me that I would have to wait until they contacted the merchant even though they had all the information they needed. I then asked this to be placed in the correct category for unauthorized transaction as it should have originally been set too. Chime said they changed it and never actually worked on my issue at all. During the whole month I only received any communication about this when I would call them until I called everyday then they sent a generic email tasting they are working on it. Ive also heard differing stories from management and their employees. Ill hear that the money was taken by mistake and then Ill hear from management this is not
Consumer complaint received 2022-07-04
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: EQUIFAX, INC. (TN)

I have several unauthorized Inquires on my report I have already file this Issue with Identity theft.gov confirmation number XXXX. Especially with Equifax there is several. They had someone to hack their system a couple years ago. I dont know if someone hack their system again and did these inquires but they do not belong to me. I have no remembrances dealing with companies below. 

Equifax report Date of Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 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 I also completed an Identity theft .gov confirmation number again XXXX Transunion Date of Inquiry 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 Also for XXXX which I left a complaint with Identity theft .gov to look into the following inquires that was not authorize by me XXXX Date of Inquiry XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX