davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NM)

Hello, this complaint is against Chime. My transactions were XXXX XXXX {$50.00} XXXX XXXX {$65.00} XXXX XXXX {$70.00} XXXX XXXX {$90.00} XXXX XXXX {$100.00} XXXX XXXX {$50.00} XXXX XXXX {$8.00} XXXX XXXX {$100.00} XX/XX/2022 {$80.00} These transactions were made to XXXX XXXX and XXXX XXXX. XXXX XXXX was the event Planner for my XXXX XXXXXXXX. I signed a contract that would be effective XXXX, XXXX. Where it states that her and her team would be coming and decorating my daughters party. The only thing I received from her was invitations that she charged {$400.00} when they were {$340.00} she came to my house I have witnesses where she got paid cash for them. XXXX received {$180.00} from me. I got a call on XX/XX/XXXX from XXXX XXXX from XXXX XXXX phone saying she wasnt going to be able to do my daughter party due to an XXXX  I told him I was sorry not to worry. I let day go on and ask for my money from every single account including XXXX XXXX thats {$150.00} dollars she owes me from there as well. XXXX got upset and I have messages and recording where he told me he was sorry but he had nothing to do with anything but that he would try and see where my stuff was at. He then said he couldnt do anything. I asked for my money he got upset. I said theres a contract that states she would have a team regardless if anything happened to her. He said everyone is worried for her. I said I understand but I dont want to take this to court he then said he had no access to the accounts. Yet somehow he knew I was asking for the money back.. I started the disputes with CHIME and all of them were denied the disputes started since XX/XX/XXXX I have tried about more than 10 times to through e mails and calls to tell them to please help me get my money back. Today was the last call and e mail. I sent all the information to them but they just keep closing the dispute. They allowed me to get scammed. Like I said I only received the invitations and they were paid cash. I explained everything in detail to CHIME sent pictures audios but they dont care and dont help Im very upset. How many more people are they going to allow this to happen to.
Consumer complaint received 2015-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NC)

Equifax mortgage solutions continues to report incorrect information on my credit report.They are reporting items as late that I have not had since XX/XX/XXXX.My report changed within a month to reflect items that are XXXX yrs old to be reported as late payments as of XX/XX/XXXX.They have also added items that were previously removed due to being reported in error.This incorrect reporting not only caused me not to be able to obtain a mortgage but caused me to be place on un paid job leave for 90 days which will ultimately result in permanent job termination if the items are not corrected.I have been working really hard for the past 4 yrs trying to repair my credit and made sure every payment to every debt, credit card or loan I have is paid on time or early but all of my hard work has went down the drain due to the incorrect reporting and now I can potentially loose my job.
Consumer complaint received 2022-07-20
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. (DE)

I contacted Equifax credit bureau on XX/XX/XXXX, XXXX and the XXXX to request that a mortgage account, XXXX XXXX that has a XXXX balance and the last activity on the account was on XX/XX/2007, more than 10 years ago to be deleted from my credit report. They placed it into dispute multiple times. Sometimes for the incorrect reason by speaking to a representative. However, they keep resolving my dispute without deleting this account from my credit report. They can't keep an account on my credit report for more than 10 years but that's exactly what they are doing. I want this account removed from my credit report.
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

My complaint is against the credit bureau Equifax. Several attempts have been made to all three credit bureaus in an attempt to have a negative item removed. Equifax has repeatedly failed to properly investigate my dispute and I have provided more than enough documentation to prove me claim is true and accurate. Had Equifax seriously investigated my claim, they would have found the proof of the error is in the credit report itself. 
In my credit report in the " Closed Account '' section, there is an account with XXXX 's ( XXXX XXXX ). The information states ; ACCOUNT OPEN XXXX/XXXX/XXXX, LAST PAYMENT XXXX/XXXX/XXXX, CLOSED ON XXXX/XXXX/XXXX. 
XXXX XXXX XXXX acquired the debt at some point and fraudulently re-aged the debt. On the credit report, they have FALSELY reported the following ; Account ( XXXX XXXX XXXX ), DATE OPEN XXXX/XXXX/XXXX, DATE OF FIRST DELIQUENCY XXXX, DATE OF FIRST MAJOR DELIQUENCY XXXX. 
I received notice from Equifax on XXXX/XXXX/XXXX that this account is not reporting on their file. However, in violation of Federal Law FCRA Part ( A ) ( 5 ) ( B ) ( ii ) they have reinserted this negative item onto my credit report on XXXX/XXXX/XXXX. This violation of Federal Law caused my credit score to drop XXXX points. 
Equifax is in violation of several Federal Laws and has neglected to properly investigate my claim. From my understanding of Federal Law, Equifax is obligated to do the following ; Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. 
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Consumer complaint received 2020-01-17
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 (MA)

The late remarks are sporadic. One account, XXXX, the OK payments was followed by CO remarks. XXXX also reports late though there are no late remarks to prove it. THis is really getting out of hand. I have been disputing them for the longest time. Please help me get rid of those inaccurate accounts.
Consumer complaint received 2022-02-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: WELLS FARGO & COMPANY (NC)

The original Wells Fargo loan was opened in 2006, the terms were 120 months. There was a brief period where payments feel behind however payments were steadily made. Here it is 16 years later and I am still {$8000.00} plus dollars on a {$6000.00} loan. The loan was sold to XXXX for reasons unknown and no matter how hard I try I can not get any straight answers. This loan should not still be this amount after all these years. I feel this is a predatory loan initially meant to keep me stuck in this high interest low to no principal applied hole. I want this loan investigated.
Consumer complaint received 2016-07-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AmeriCollect (MI)

After contacting and interrogating an individual with XXXX, the collection agent abruptly discontinued the call by hanging up. This left the callee worried and confused about his status. He then felt he needed to involve a number of relatives to investigate and attempt to remedy the situation on his behalf. AmeriCollect, of XXXX, WI was ultimately identified as the caller. We found that they had quickly determined that they had contacted the wrong individual. My complaint relates to their ultimate disposition of their call. When they decided they had the wrong person they should have made that clear before they abruptly ended the call.
Consumer complaint received 2022-02-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (TX)

My name is XXXX XXXX. I currently have an XXXX XXXX with Westlake Financial. To date, XX/XX/2022, I have received several threats regarding repossessing my vehicle, regardless of 5 or 6 days past due. This company repeatedly threatens to repossess the vehicle or make a payment, verbally. 

I am completely at a lost for words. I advised him that I would like to make a payment and he continued to directly ensure that it was out for repossession. I explained that I Today at XXXX XXXX XXXX XXXX I spoke with a representative XXXX and he explained that I do not qualify for any type of assistance and that my car is out for repossession. 

I have called several times repeatedly requesting for help ( numerous Westlake Representatives ) for status information, a return call from various negotiators as well as your Presidents contact information and/or the Department that handles Escalated matters such as this one. 

Please understand, I am not seeking any sort of sympathy, only assistance to get back on track. I am disheartened at how this company treats people during a pandemic and attempting to get back on track. I have been unsuccessful at obviously getting to the accurate authoritative person to provide me information that is a reciprocated interest, other than continue to mention repo. I was told that my last payment would bring my account current however, today, I was told conflicting information. 

To this day, I am very uncertain on how I was approved for a deferment and now I'm in repossession status. The company will continue to call and hang up when attempting to speak with a supervisor. 

I am humbly asking, once again for contact information for your Presidents office. I'm also advising you that we are taking necessary steps to seek the attention to my situation, because I am very certain that we are not the only auto owners that are being threatened. 
It is my opinion that because so many families are facing financial hardships that your department is so overwhelmed, and some files are not being properly handled and/or worked. It appears to be so much easier to decline or push a file off by repeatedly stating repo. 

It is my intention to work with Westlake, not build a fence between us. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2022-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

Jefferson Capital has been trying to collect a debt that is not mine I do not know this debt they have been doing this for 25 years it was through XXXX telephone company I do not recognize the address the way they spelled my name was wrong and they had the wrong phone number I do not recognize the phone number that was dealt with this account or the name the way they spell my name is totally wrong they have the wrong last name misspelled every time I dispute this they put it back on my credit report if this has kept me from getting the home for the last 5 years
Consumer complaint received 2022-02-24
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. (CA)

I have been trying for the past year trying to remove XXXX fraudulent accounts on my credit report. I did what the bureaus told me told me to do. I filed an ftc report, i got a police report. Yet the bureaus will still not remove these fraudulent accounts from my credit.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (AZ)

The scam occurred from XX/XX/22 till XXXX The call came from the published Chase Customer Service that someone had initiated a wire transfer from my savings account. Because, it was a Chase Customer Service phone number, I believed iot and followed the directives by him hoping that my money will be saved. These are fully explained in the attached chronology of events. 
The moment we realized it could be a cam, we acted. On XX/XX/22, Our daughter first called the XXXX XXXX XXXX hot line and gave a report over the phone. 

She then called the XXXX Police Department. A police officer came home and took the complaint in person The incidence # XXXX XXXX XXXX. 

Our daughter, myself and my nephew from XXXX XXXX lodged a complaint with the manager of the Chase Bank Branch at XXXX XXXX XXXX XXXX, XXXX, AZ on XX/XX/22. Copies of Recall filed by the manger with bank and Global department are attached. 

I filed a complaint on XX/XX/22 with ic3.gov. Copies attached. 

I filed a complaint with FTC on XX/XX/22. Report # : XXXX. 

I filed a complaint with Arizona Department of Economic Security for Adult Abuse on XX/XX/22 Case # : XXXX.
Consumer complaint received 2020-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RMA Credit Association (LA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$4700.00}, {$5500.00}, {$1200.00}, {$1000.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

I wrote synchrony bank/ Chevron XXXX XX/XX/2022, to request a goodwill adjustment on an account showing XXXX late payments. They wrote me back stating they can not honor my request. However, after doing some research in consumer law, I have come to realize that it is and was synchrony bank/ chevron obligation to remove the late payments. According to title 15 USC 1666b ( a ) A creditor may NOT treat a payment on a credit card account on a open end consumer report as late for any purpose. And according to title 15 USC 1681a ( 2 ) ( A ) ( i ) A consumer report DOES NOT include transactions, including late payments or experiences between the consumer and creditor or person making the report. Therefore, synchrony bank/ Chevron has violated my consumer rights when this account was opened by reporting late payments to the credit reporting agencies. They are still reporting these late payments today. If the removal of the late payments is impossible due to the account being closed, I request that synchrony bank XXXX Chevron CEASE REPORTING THIS ACCOUNT TO THE CREDIT REPORTING AGENCIES. I also know that any creditor needs my written consent to report my information to credit reporting agencies. The violations they have incurred is {$1000.00} each. I have enclosed my invoice for the violations. I will settle for payment of {$1000.00} of the invoice charges ONLY if synchrony agree to REMOVE ALL LATE PAYMENTS. IF THEY CAN ONLY DELETE THE ACCOUNT, I WILL SETTLE FOR {$2000.00} in monetary relief for violating my consumer rights. IF THEY CAN NOT COMPLY WITH ANY OF MY REQUEST CONCERNING THE REPORTING OF THIS ACCOUNT, I WILL NEED {$4000.00} for the violations. Please Make check payable to XXXX XXXX
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (KY)

XXXX XXXX XXXX needs to remove the " Late '' on the XXXX accounts since the account has been closed/written of and which they issued a XXXX which I had paid the taxes on in XX/XX/XXXX and XX/XX/XXXX. The account is still reporting late. My attorney since XX/XX/XXXX when accounts were closed tried to make a settlement plan and they refused to respond and choose to write the account of and keep reporting as late.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NJ)

On XX/XX/2022 I submitted two different disputes with PNC. I originally went online to check and see the date that a transaction posted for an order which I never received- however- when checking my account transactions I noticed a transaction I didnt make at all. So I called to dispute both transactions- one for an order I made and didnt receive and one for a transaction I did not make. I was told that I would receive a credit for each of the transactions within 10 days. I received a credit for one of the transactions ( the one I did not make ) a few days later- but after 2 weeks I still did not have a credit for the one which I did not receive the merchandise- so I called PNC. That rep told me that it was 10 business days that I had to wait and since it was the 10th business day I should have a credit by the end of business that day. The next day I still didnt have a credit so I called again. This time I was told that it wasnt 10 days I had to wait but possibly 30 days. This rep said he usually works in a branch and sees these kinds of disputes all the time and has never seen one take more than 3 weeks. So I waited until the 3 week mark and messaged customer service through the app and was told that it can actually take up to 90 days. The reps continually tell me that I can contact the merchant which I obviously did prior to contacting PNC. They were not helpful when I contacted them. The rep also said it is a non fraud dispute so they take a long time. But I do not understand how it is not fraud? I someone says give me money and I will send you a product but then they dont send it- that surely feels like fraud. I really need access to these funds and I wouldnt have asked PNC for help if the merchant was willing to resolve the issue.
Consumer complaint received 2022-02-24
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D&A Services, LLC (NY)

Repeated phone calls from D & A Services LLC on XX/XX/XXXX, XX/XX/XXXX on a medical/dental bill from XX/XX/XXXX! 

Balance : {$990.00}
Consumer complaint received 2022-02-24
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. (IL)

Hi I am submitting this XXXX XXXX without 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 XXXX XXXXXXXX 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
Consumer complaint received 2022-02-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.