davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-10
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: Chime Financial Inc (MO)

I was physically attacked on XX/XX/2022. My purse and keys were stolen during the attack. During the attack, they took my phone in my purse with all of my identifiable information in it. I used someone else phone to contact chime customer service to deactivate my cards but they refused because they said I could not authenticate my account. The Chime customer service rep had asked me to verify XXXX transaction from that day. I knew I had just gotten paid so I advised him of the amount of my check. And he said that he could not find the transactions. I attempted to call back and do the same thing twice. But they would not allow me to do so due to issues with the authentication. I was not able to file a dispute until the XXXX when someone was able to finally see the deposit. As a result, all of my money was stolen from the account. I submitted as much evidence as I could including a claim ID for the police report and my work schedule with the clock-in times. I believe they decided this was not sufficient because my job is based in a different time zone. I have to be at work at XXXX XXXX  mountain time which is XXXX oclock central standard time. Also, the representative that without the dispute included transactions that were automatic payments for some of my bills. When I ask her to fix it she said that she couldnt because it would automatically be denied my claim and I would not be able to Refile it. I had sent it to reach out to the merchants that she was not supposed to include in the transactions but it still resulted in my revolving account being shut down. I believe lithisbis the reason that my claim was denied. I also included a rebuttal asking for the claim to be reopened. I also asked for documentation regarding the dispute which they refused to give me. When I emailed the dispute specialist was informed that she could have noted the account so that the claim could have reflected my statement regarding the automatic transactions. It's been a nightmare trying to get my money back
Consumer complaint received 2022-09-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nevada Credico, Inc. (NV)

In XXXX I contacted Quantum Collections in XXXX XXXX Nevada to setup a payment plan for a debt in the amount of {$880.00}. I signed a contract and set the payment plan up. Upon them telling me my first payment was almost half the amount owed it was also due on the first of the month when I had to pay rent. They did not want to help me and told me that either I pay the amount due or default on the agreement. I ended up defaulting on the agreement and left it alone. I was never properly informed that they were trying to come after me for said debt through the courts and never knew a judgement was filed against me in favor of them due to me failing to appear. In XXXX of XXXX I reached out to a new collection agency that now owns the debt, XXXX XXXX XXXX, they then forwarded me to their attorney who informed me of the situation at what happened. I told them I do not have the full amount to pay and they informed me that if I had half we could work out a payment plan. I then told them that I was currently XXXX and that I do not have half where then they allowed me to pay what I had at the time. While explaining to me that I can call and pay what I am able to when able to up until my return back to the state and if needed can put the rest on a payment plan. Not to long after they received my payment I did not receive a proper writ of garnishment before my bank was notified and funds were taken from me. I had to call my bank for them to email me the papers they were served. Shortly after I decided I would deal with it when I had got home, now it is XXXX of XXXX I am not home yet and they are still trying to garnish my wages in my bank account while I am still XXXX.
Consumer complaint received 2022-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TriVerity, Inc. (MI)

Kept calling me and my family members on a debt that I have no clue about. Advised credit card was compromised and was supposed to be closed for fraud charges. Advised was written off as it was not my debt by somehow still getting calls.
Consumer complaint received 2021-03-23
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. (TN)

For months I have been contacting all three credit reporting agencies asking for proof of the bankruptcy they are reporting on my credit. Each company Keeps saying the information Is verified without providing me proof of this verification. I have contacted the company they listed as their source of verification and the company has stated they removed this bankruptcy from my public record but the credit reporting agencies refuse to remove it.
Consumer complaint received 2022-11-10
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX .... Balance : {$30000.00} ; XXXXXXXX XXXX XXXX Balance : -
Consumer complaint received 2022-09-28
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. (NV)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Equifax to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, STATE OF AK XXXX  XXXX
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I notified my bank, Wells Fargo, that I have fraud on my card in the amount of {$25.00} and again in the amount of {$400.00}. I contacted police and told Wells Fargo bank. Wells Fargo said there was nothing they can do. They said FDIC does not cover these transactions at this time.
Consumer complaint received 2022-09-28
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/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 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 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 an account without my written instructions.
Consumer complaint received 2022-12-10
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX Acct # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct XXXX XXXX, XXXX  XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX, have 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 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-09-28
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge po box 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 Open Date XX/XX/2014 Balance : {$790.00}
Consumer complaint received 2022-09-28
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. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX XXXX Balance : {$19000.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-28
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX  XXXX Open Date XX/XX/2014 balance : Balance : {$0.00}
Consumer complaint received 2022-09-28
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)

It appears that my credit with the Credit Bureaus has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus is required by law to remove any item which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records ( learned through more research both parties require ). Please remove these files. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. I need the following items deleted as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXXXX/XX/2020
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/22 CHASE BANK, sent an adverse action letter that was false and misleading Information, willingly and knowingly ( which is a crime ) discriminating  against me after a consumer credit transaction for a CHASE SAPPHIRE CARD for {$12000.00}. As I in good faith extended my credit to acquire money on credit as my right as a consumer from Chase Bank primarily for personal, family, or household purposes. Reasons stated for the discrimination  were criteria used to evaluate creditworthiness, internal standards and a qualifying score that are prohibited by the General Rules of CFPB interpretation of Reg B 1002.4 ( a ), which is insufficient, prohibited and discrimination.
Consumer complaint received 2022-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I was enrolled as a XXXX at XXXX XXXXXXXX XXXX XXXX XXXX beginning in Fall of XXXX through Fall XXXX when I officially withdrew with a leave of absence. When I withdrew I did so within the window that allowed my student loans to be return to lender. ( {$2500.00} XXXX Stafford Unsub & XXXX XXXX Stafford Sub ) For whatever reason this info was not adjusted correctly and it was shown that these 2 loans were dispersed. But they had been cancelled and returned. 
After many years of the incorrect information being provided to me without the ability to view accurate information. I began payment of the loans, based upon the false belief that once loan was satisfied, I would be able to have access to the details of the loan. 
Basically loans were cancelled, but I was unable to verify that until recently. 
I reached out to the loan servicer, which is Navient and was met first with a representative that was as shocked and confused as I was regarding the inaccuracy status history of my loans. I was told a case would be opened to look into the loans and a promissory note would be obtained to establish an idea of what had happened. I was told resolution would be within a two week time frame. 
When I received no update I reached out to Navient again for clarification of the validity of the actual loans, I was met with a hostile representative that talked in circles and offered no assistance. 
When I look on the studentaid.gov The loans I have been paying on for the past 25 years states that the loans were disbursed but returned and cancelled. 
I have been accruing interest as well as late fees on these loans that are not even valid. I also have been paying them for the past several years and I am so annoyed that I can not get clarification or help regarding this. Attached are statements that show the loans were cancelled. The only valid loan was FFELP Stafford Sub Loan XXXX. 
I really need help figuring this all out. Navient will not help me with this and refuses to acknowledge that the loans were cancelled and have not require any payment. 
If any additional information is required, please let me know and I will forward whatever info is required.
Consumer complaint received 2022-09-28
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX  XXXX XXXX XXXXXXXXXXXXXXX Date Opened XX/XX/2017 Balance : {$460.00}
Consumer complaint received 2022-09-28
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATG Credit, LLC (TX)

This debt is not mine and they continuously say they have a contract from me that I never saw nor signed. I chatted with a representative in the online chat system that they offer and she provided me with false addresses stating they were on the application then I received documents in the mail with a very different address on it. None of the credit bureaus they have on reported to have a po box reporting for me as an address I used before so the fact that they are harassing me for this is ridiculous and my credit is the one thats plummeting.
Consumer complaint received 2022-09-28
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)

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that XXXX XXXX XXXX with a last reported balance of $ {$2300.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account.

It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. Thank you
Consumer complaint received 2022-12-10
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

JPMORGANCHASRE BK NA and its associates XXXX XXXX XXXX XXXX and/or representatives continue to willful violate RESPA as well as overcharging clients and mismanagement of escrow accounts creating a constant surplus or shortages and/or a way to charge people a higher monthly payment. 

They play a game of calling its errors when doing so or claim it is mistakes when in fact, they are experts at it and continue cook the books and/or do things to create either a shortage and/or overages they use the taxes as part of the cooking of the books processes. By either overpaying them, underpaying them or paying the wrong property or not paying them at all until it's a problem. 

Then they get the overpayments from the taxing authorities sent to them. They have made millions doing this causing chaos for the average person as well as hardships, distress, mental anguish. ( See below link. ) They are fall into a pattern also involves the insurance companies and/or do so during such renewals and/or are price gouging. 

They send a shortage of escrow notice and even when you pay it in full, they play games like they dont know it or receive it and continue to bill you the monthly installments then overpay or under pay the taxes or dont pay them and the mortgagee has to and/or stay on top of it exploiting the RESPA processes. 

They also set up a separate company to handle the property taxes as part of the cooking of the books processes. https : XXXX XXXX/ Note XXXX seems to be this years new number of increases to monthly billing. 

Please see prior complaints # XXXX and XXXX They may also be using as a harassment operation, political hit jobs or to fund and insurgency at the capitol building. Unknown, Unconfirmed, Unverified. 

JPMORGANCHASE BK NA role is they refused to tell me who they paid this amount to see canceled CK attached. That XXXX XXXX said in its responses to complaint XXXX that they as of XXXX XX/XX/XXXX 22 did not receive and payment for the shortage and/or the cashiers CK attached to that complaint. 

So, either they are not being truthful or JPMORGANCHASE BK NA allowed fraud to occur and some other entity other than the named entity on the cashier 's check to cash it. The Cashier 's Check pay to order was XXXX XXXX the check was cashed on XXXX XX/XX/XXXX22.