davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (VA)

See attached and : XXXX XXXX Dear Rep, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 1. Acima Digital Fka Simp  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX You are required to do what I am asking and block/ delete these transactions from being reported to my consumer report within 4 days according to the law. 

Thank you.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (VA)

I received an offer from Chase which I enrolled in on XX/XX/21 with tracking number - XXXX. Please see the uploaded attachment - XXXX XXXX XXXX. As per the offer, I can receive {$150.00} bonus for - 1 ) Settling {$1500.00} through XXXX XXXX within 90days of enrollment. 
2 ) Completing 5 Qualifying transactions within 90 days. 

I have fulfilled both the requirements - 1 ) Within 90days, I have made XXXX XXXX  transactions on XX/XX/21 for {$250.00}, XX/XX/21 for {$5.00}, and XX/XX/21 for {$1200.00} for a total of {$1500.00}. See highlighted lines on the uploaded file - XXXX XXXXXXXX XXXX 2 ) I have completed 6 Qualifying transactions within 90 days. See highlighted lines on the uploaded file - transactions.pdf So I have fulfilled all the conditions of this offer but the bank is still denying me the {$150.00} bonus. This is in spite of paying the bank {$52.00} in fees in relation to fulfilling the offer conditions ( See highlighted lines on the uploaded file XXXX XXXX XXXX XXXX  ). 

The response from the bank so far has been that - I had three qualifying transactions but they do not total the {$1500.00} to qualify. This I disagree with because as per the documentation provided by me, my transactions totaled {$1500.00}. The bank didn't tell me what is the total amount as per their calculation and how they arrived at that total. I am guessing they arrived at the total after excluding the {$52.00} transaction fees they charged me. My response to that is- the offer does not clarify whether the {$1500.00} total will exclude the transaction fees. The offer just says ''Settle {$1500.00} '' without clarifying what it means exactly ( uploaded attachment - XXXX XXXX XXXX ). To me, it looks like one must just accept {$1500.00} through XXXX XXXX ( irrespective of the fees charged ). If the bank is indeed excluding the fees for the {$1500.00} calculation, they should have clearly stated that in the offer which they haven't. By the way, these fees were retained by the bank itself. 

Ultimately, I paid the bank {$52.00} in transaction fees and got nothing in return. The bank did that by dangling a misleading promotional offer with clever words such as " Settle '' which they interpreted in a way that suited the bank best.
Consumer complaint received 2022-08-24
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. (CO)

in accordance with the Fair Credit Reporting act XXXX XXXX bank account # XXXX, XXXX 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
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (VA)

See attached and : XXXX XXXX Dear Rep, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. Wells Fargo XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block/ delete these transactions from being reported to my consumer report within 4 days according to the law. 

Thank you.
Consumer complaint received 2021-12-30
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: SYNCHRONY FINANCIAL (GA)

Hello, my name is XXXX XXXX I was in XXXX XX/XX/2021 I bought a water park ticket. The cost was {$1100.00} the merchant never deliver the service or the ticket ask the to refund it. They said, I would see the refund in three business days. However since I did not believe them I dispute the charge immediately with the credit card company. A month letter send me a statement showing a XXXX balance and I received another letter the dispute denied favoring the merchant. I submit proof of our conversation with the merchant promising I would see the refund and I also explained to the credit card company that I have never received the ticket. It was redisputed two times more still the favor the merchant. I have been client with them more than 15 years. I have never late on my payment and I have never carried a balance yet still failed me to protect me. I should not be paying penny! 

Sincerely XXXX XXXX
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (UT)

Back in XXXX I was supposed to receive my XXXX card as part of the stimulus package for 2021. Someone in my household intercepted the letter that contained my card, and told me it never showed up. I put off calling on it until this XX/XX/2021. Mostly because I figured if anything I'd claim it on my taxes next year if they never sent it to me. But something told me to check by calling the company to see if a replacement or something could be sent out. I then asked if there was even still a balance left on the card and they said that no, there wasn't. So I didn't become aware of the fact that the card had been stolen and used until 8 months down the road. To activate these cards, someone needs the last six numbers of your social security number. Easy enough for a housemate of mine to access considering my tax documents are present in many of my files in various accessible places in our home. I went ahead and asked the representative to give me the information on which merchants had been visited and my funds had been spent at. I recorded the information down so I could begin the dispute process and file a police report. I submitted my written claim in the alotted time, with the copy of the police report and waited. Today I received a denial of my claim in the mail, citing " inconsistent information '' as their reasoning for denying my fraud claim. I am beyond frustrated. I have no clue how to remedy this but most of all I don't understand where in the world the information was inconsistent considering the police report I filed corroborated the information they gave me about the charges on the card, and all the info on the dispute form matched the police report and the bank statements. I just don't understand why they wouldn't honor a claim that gave all the necessary information. I didn't even know my card was stolen until I called to see if I could just get a replacement since I was under the impression the first one just got lost in the mail. MoneyNetwork, the company that handles distribution of the XXXX cards for stimulus check funds, is the company in question here. They have been less than helpful and if anything negligent in handling this efficiently in a timely manner.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP ()

1 ) Fidelity via their contract credit card servicing company Elan Financial, places secret " Remarks '' when reporting to Credit Bureaus which report such secret " Remarks '' to mortgage lenders. 
2 ) In my case the secret " Remarks '' are a result of me following the credit card company 's process for filing a dispute regarding a financial transaction.

3 ) In the particular case after repeated filings with Fidelity our dispute was upheld and Fidelity issued a complete refund. 
4 ) The dispute arose from a firm which poses as the U. S. Postal Service and charges rates about 90 times higher than the U. S. Postal Service. This firm has regularly received numerous complaints so much so that the USPS.gov issues warnings on its own website. We never received any services from this impostor yet Fidelity upheld the company 's counter appeal two or three times prior to settling the matter in our favor. 
5 ) The " Remarks '' reported to the Credit Bureaus reflect only the fact that we exercised our right to file a dispute.

6 ) I tried to have the " Remarks '' removed in a timely manner due to the fact that these remarks are impairing our ability to secure a mortgage in the immediate future. 
7 ) Instead of receiving " XXXX XXXX XXXX '' from Fidelity I received a run-around. 
8 ) I only was informed of these " Remarks '' due to both initially verbal and subsequently email information available only to lenders and not the credit card holder.

9 ) I have expended over 20 hours attempting to remedy these violations of the Fair Credit Reporting Act. 
10 ) XXXX 's XXXX score for me is XXXX yet these " Remarks '' will prevent me from securing a mortgage loan according to my loan processor.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Equifax is sending letters asking for identifying information. As noted in the letter a diver license with current address, social security card, utility bill with current address was included with request yet the are requesting the same information most likely as a canned response to not conduct the required investigation and to provided the required documents. 

Registered Mail XXXX Registered Mail XXXX Registered Mail XXXX Registered Mail XXXX
Consumer complaint received 2021-12-30
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. (OK)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me.Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2021-10-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

There is no reasonable explanation for my credit score to go from XXXX XX/XX/2021 to XXXX XX/XX/2021. My credit score has been over XXXX for more than 10 years. There was XXXX late payment during the specific time period. A excellent credit scores mean the world to me for many reasons. 

I spoke with XXXX representatives with no satisfaction. They told me to look at the report for the answer. Their system calculate the score based on the information in the report. I need HUMANs to look at my case to assess this flawed process. 

I requesting you intervention and support with this matter.
Consumer complaint received 2021-12-30
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. (OK)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit, Inc (NJ)

My XXXX XXXX XXXX has an airbag issue. We took it to the dealer and they need two parts, one of which has arrived, the other of which has not and may take some time. They gave me a loaner, a XXXX  XXXX, which is inadequate for my needs as I have three children in car seats. 

The loaner is not able to accommodate three car seats which we need for basic day to day driving. 

The loaner was provided by the dealer and XXXX is saying they can not provide me a car of similar size because they rely on dealers for loaners. 

While I am sympathetic to that the part being delayed, I am not sympathetic to making payments on a car which I don't have use of but need.
Consumer complaint received 2021-10-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (IA)

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH MRS XXXX XXXX. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Consumer complaint received 2022-08-24
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CA)

On XX/XX/2021 I filed a dispute with Chime bank because I return my items ( XXXX ) and cancel a reservation to a hotel ( XXXX XXXX ) and chime still denied my claims and now I have negative balance of - {$4900.00} I sent chime my return receipt and they still denied my claim. 

My other issue is on XX/XX/XXXX I filed another dispute with chime for unauthorized charges made on my account. I had charges from XXXX XXXX XXXX XXXX XXXX XXXX XXXXr. I also sent in evidence but they still denied my claim. 

I contacted the merchants that was fraudulent used in my accounts and they sent me receipts with a name XXXX XXXX attach to them. I will provide those documentation at the bottom. 

Please help me resolve this issue.
Consumer complaint received 2022-08-12
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. (MI)

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 2021-10-20
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. (WA)

Under RESPA my loan should never have been reported as late as I am protected from any lates fees and/or late reporting for 60 days within my loan transfer. XXXX XXXX  recieved my loan on XX/XX/2020 and went ahead and reported me late to my credit report on XX/XX/2020 along with charging me a late fee on the XXXX which was finally waived, however they have failed to remove the 60 day late on my credit report which is negatively effecting my current loan application Under RESPA they are required to immediately remove this reporting and fix their violation, instead customer service informed me they would review their mistake, which they admitted and wrote notes on, however it would take up to 60 days, whereas they should have immediately inputted a request for immediate action This is a major violation and needs to be corrected as it is costing myself damages in loan approval based on their inaccurate reporting furthermore they are continuing the negligence by failing to remove the information immediately as required by law instead choosing to give me 60 days for a review.