davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (NC)

On XXXX XXXX XXXX I visited XXXX XXXX in XXXX XXXXXXXX XXXX Carolina, and attempted to put together and finance an auto deal. I authorized the dealer to run my credit ( inquiry ) one time ; they ran my credit eight ( 8 ) times. The additional seven were not authorized. I contacted the dealership to voice my frustration and concern that they did indeed mislead me, and I was told that there was nothing they could do. In an effort to protect my credit worthiness, I found it necessary to report this abuse, and coinciding unauthorized report inquiries.

This company is one of the many where XXXX XXXX sent an unauthorized inquiry.
Consumer complaint received 2023-01-10
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: Experian Information Solutions Inc. (PA)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX PA XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OR)

On or about XX/XX/2023, Chime fraud dept contacted me stating my card was compromised in Florida, to a pay parking outfit for {$12.00}. The guy reset my account log in, gave me a temp password, and cancelled my ATM card, therefore sending me a new one, which took 10 days to get. I could not use my card until I reactivated it. 
Approximately, XX/XX/XXXX, I got my ATM card and activated it, but it wouldn't let me. 
I forgot to mention that from XX/XX/2023, to approx XX/XX/XXXX, I could not log into my account. I was shut out. I contacted Chime customer service over 27 times via email and several online even talking to a supervisor on the phone. Still without any resolution of logging in. I could have bill collectors take money out but I could not see into my account. This is irresponsible and absolutely ridiculous this bank has such disregard for their clients. 
Then again, the fraud department contacted me, not me contacting them about more fraud. They had the fraud dept contact me about a charge from XXXX for over {$230.00} for pharmacy in Texas? I'm on XXXX and my scripts are paid in grants pass, Oregon. Then I looked at my account because the fraud dept got me in my account immediately after waiting 3 weeks for customer service to do nothing. That is when I noticed {$880.00} in fraud charges. I think it was XX/XX/XXXX. I disputed the charges. They were all made in Texas or Florida. I live in Oregon. They were to XXXX XXXX XXXX, I'm a widow, do not have a sporting goods habit, XXXX which I don't go to, all in Texas. 
Now my bank says it is my fault and won't return my my money to me. I have not been able to get to my hard earned money for over a month. My ATM card was cancelled again, and I still have not received my new card. In a couple of days, my last Social Security widows check will be deposited and I'm fealful Chime will allow the check to be taken by fraudster. They don't seem to care about my money. 
This {$880.00} was earmarked for mortgage and credit card payments. 
What do I do now. My house is in bankruptcy and I depend on my money to survive. 
Thank you for your time.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IN)

Tried to order a mover on XXXX XXXX to move Friday XX/XX/15 and chime card got denied for temporary hold. I just got paid 15 mins prior so I went online on XXXX find chime support number XXXX  XXXX spoke with XXXX who told me I need to go to XXXXXXXX XXXX and download app called XXXX Remote desktop to reset my phone and he will assist me. He said to go to settings hit permissions then go into the app and highlight every part of the device so he can have remote access. He took over and told me to log into my chime account which I did via finger log in. He then took {$200.00} out of my checking account then said he needs to verify it is working he will take funds out then put it back after verification clears and to wait. My {$200.00} disappears and he sends it to pay anyone named XXXX XXXX under XXXX. Then he goes into my savings and takes my direct deposited employee check of {$1000.00} and sends it to pay anyone named XXXX XXXX under XXXX XXXX. He then ask to pull up my XXXX XXXX I say what for that's when the red flags come out I say put my $ $ back in my account now. He then hangs up. I call back and he states I am crazy. I contact chime support again at different number from XXXX XXXX XXXXXXXX. I spoke with chime support first who sent me to fraud dept. I explained what happened freaking out. I was told I could file a dispute had to answer some questions. I was told if I am approved by fraud investigators I could receive a temporary credit to my account within 10 days. I explained I needed to move now and need my money now for me and my son. I was told the investigation could take up to XXXX days. So now I am stuck with no money to move. I feel like this is unfair and I want my money back right away from Chime no delays. I am unaware of online fraud until now and feel as the victim of online fraud and misrepresentation online that I should be reimbursed immediately! No questions. I was also told that I should only use the mobile app for chime and not search online for chime support by chime support representative. Please I need your help to make chime reimburse all my money immediately. I can be reached via email XXXX which is the best method of contact instead of phone.
Consumer complaint received 2022-01-06
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. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2023-04-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I spoke with a TransUnion representative who stated that by XXXX  the inaccurate Bankruptcy that TransUnion is reporting would be removed by today XXXX  XX/XX/XXXX. I called today to follow-up because TransUnion continue to report this inaccuracies after being provide proof of the inaccuracies. I was told today that the bankruptcy would not be removed until XXXX. I stated to the agent that that's incorrect and that I was told that this bankruptcy would be removed by today XX/XX/XXXX. I asked to speak to the supervisor and explain to him what was going on and what was told to me on XXXX. The supervisor proceeded to lie and state that the court house verify the information. I can provide a letter that has been provide to TransUnion several times stated that the court does not report to the credit agencies, and because they don't report can you ask TransUnion what court that they are getting this fraudulent information verify with. TransUnion continue to report this bankruptcy of my credit file to damage my credit worthiness and to ruin my reputation. TransUnion is attempting to bully me as a consumer to give up with the dispute process of them reporting inaccurate information. Under the FCRA, I has the right to : Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. TransUnion continue to state that the court has verified this said bankruptcy. I have attacked a letter from the court stating that they don't report.
Consumer complaint received 2021-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX Resurgent Capital Services located in XXXX, south SC started garnishing wages started at {$100.00} now {$170.00}. on Fraudlent debit card charges.he have proof from the bank he have not open this credit card. XXXX law firm is also involved in this scam. they are scammers preying on consumers they need to be stopped
Consumer complaint received 2023-05-17
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, VA XXXX XX/XX/1987 XXXX Equifax XXXX XXXX XXXX XXXX TX XXXX To whom it may concern : I am writing to you because you are reporting collections on my credit report that I do not recall. Please see items listed below : XXXX {$590.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$290.00} Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 


XXXX XXXX
Consumer complaint received 2019-09-06
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: Experian Information Solutions Inc. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX   XXXX , MD XXXX ( XXXX ) XXXX Made by : XXXX XXXX XXXX XXXX  XXXX , MD XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature.

I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. ( XXXX  ) Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611. 

XXXX XXXX
Consumer complaint received 2023-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

Good Afternoon, I hope your day is going well. I am submitting this Complaint to inform CFPB that I have been a victim of an Investment Fraud Scheme and would like to File an Official Complaint on this Broker with your Organization. On XX/XX/XXXX, I connected with a XXXX XXXX XXXX by checking the XXXX. The XXXX name is XXXX XXXX XXXX. Her CRD # is XXXX. XXXX provided information that she is currently employed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX and their CRD # is XXXX. Also, licensed as an Investment Advisor with XXXX Personal and Workplace AdvisorsXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX and their CRD # is XXXX. She has a XXXX XXXX and XXXX XXXX. XXXX XXXX XXXX and I started conversing through XXXX XXXX. Her XXXX XXXX contact number is XXXX. Her email address is XXXX. We started conversing on XX/XX/XXXX up until XX/XX/XXXX. She sent me an XXXX XXXX. She stated that she trades for clients and takes XXXX percent of the profits she makes for her clients and clients can take their profits at any given time or she would advise re-invest. She advised me to set up a XXXX account. I had never used XXXX  or ever did any kind of Investing. Therefore, when it came time for me to take the profits, she informed me of another party that needed funds in order to get the profits. I have been de-frauded out of a total of {$110000.00} which is all of my savings. I havent been able to eat nor sleep since my last communication with her on the XXXX XXXX on XX/XX/XXXX. I have all documentation that was involved with this broker. Please see below in reference to the breakdown of the monetary values involved. I have my bank JP Morgan Chase involved in investigating the Scam as well. Please help to stop this broker from taking advantage of others now and in the future. PleasePlease.Please. I look forward to speaking with someone soon in reference to this issue. 
XXXX $ XXXX XXXX $ XXXX Transfer XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX Also, as an FYIplease note that this Broker is still at these games. On XX/XX/XXXX @ XXXX XXXX  and because she has blocked me from contacting her through the XXXX XXXX. I had my son contact her acting like he wants to be a potential client and she responded to him. PLEASE HELP!!!! 

I reached out to XXXX XXXX XXXX XXXX and their Employee Relations Fraud Division returned my call on XX/XX/XXXX to Confirm that XXXX XXXX XXXX is an Active Employee as a Licensed Broker with XXXX XXXX XXXX XXXX but they were aware that a Fraudster was Impersonating XXXX XXXX XXXX. She stated that I was not the first person that this XXXX has done this too and they are aware of this Issue. 

As a Consumer, I would like to see that the XXXX  Website will include some kind of Alert that someone is impersonating this Broker as XXXX XXXX XXXX and to be Warned of a Potential Scam Alert. 

Sincerely, Sincerely, XXXX XXXX
Consumer complaint received 2024-12-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (AL)

On XX/XX/XXXX I contacted ( in a timely manner ) the original creditor XXXX  ISP, to inform them one, to discontinue my autopay service ( which they did not ) and two, to give the same service at a discounted rate, and three, I made a payment in the amount of {$80.00} ( the amt. of the bill ). XXXX  debited my account via XXXX debit on XX/XX/XXXX. I called on that day at @ XXXX XXXX and spoke with a gentleman by the name of XXXX XXXX XXXX confirmed the initial payment and the additional payment that was ACH debited from my account. He then informed me that in order to expedite the process that I would need to contact my financial institution. He stated if I waited for XXXX  it could take several weeks. It was Saturday and due to it being the weekend I had to wait until the pymt posted to get the credit. I called Monday once the pymt posted and was issued a temporary credit of the {$80.00}. My bank contacted me on XX/XX/XXXX via email advising that based on the aforementioned information ; I won the dispute. WOW was in error for double charging me and debiting my account. I have attached the supporting documentation. XXXX and the next rep that I spoke with advised I would not have a balance because I ended up cancelling the service and due to me being at the end of the billing cycle ; I would not receive an additional bill.
Consumer complaint received 2022-10-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: FIRST NATIONAL BANK OF OMAHA (KS)

At my request, my bank First National Bank of Omaha, sent international wire transfer to an account at XXXX XXXX XXXX XXXXXXXX, XXXX XXXX on XX/XX/XXXX from my business account. Later I have informed my bank that it might be a fraud and asked them to contact XXXX XXXX bank to get funds refunded back to my account with First National Bank of Omaha. They informed me that they tried a few times and I have to contact the beneficiary in XXXX XXXX directly, to get he funds refunded back to me. I could not reach the beneficiary as I found out finally on XX/XX/XXXX, that I am a victim of fraud.
Consumer complaint received 2023-09-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (FL)

Started : XXXX XXXX  Today : Date : XX/XX/XXXXXXXX  Re : XXXX XXXX ( SS # ) My name is XXXX XXXX. I currently receive mail at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. In XXXX  I moved to XXXX Ga for 5 years. National Credit Systems has a outstanding balance of {$5200.00} with XXXX  at XXXX. I am listed as a guarantor for XXXX XXXX. I spoke with XXXX XXXX XXXX  after my application was denied for a rental property ( XX/XX/XXXXXXXX  ) due to this debt., XXXX XXXX XXXX she did not use my Identification to obtain residency at the XXXX  on XXXX. XXXX claims she used her mom XXXX XXXX information to obtain residency. I have also contacted XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX with National Credit Systems concerning this balance. I asked XXXX ( ext XXXX ) for more information or seek a settlement for the debtor ( XX/XX/XXXX ). XXXX claims she reached out to the debtor. XXXX is the company in charge of XXXX on XXXX. I contacted XXXX on XXXX Account recovery manager XXXX @ XXXX XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX ( XXXX ) returned my call. XXXX XXXX ( account recovery manager ) states XXXX does not have any collection on my name or records. I reached out to XXXX a 3rd time and she stated that XXXX contacted them via email confirming they don't hold any debts pertaining to my name. XXXX claims she is reaching out to the debtor to resolve my concerns ( would get back with me its been over 3 months ). However, XXXX ext XXXX has not returned my call concerning moving forward with information from the debtor. XXXX has not succeeded in helping me move forward, XXXX will not give me any information who hold the outstanding housing debt account, or who she reaching out to help resolve my concerns. I need help getting this resolved. I have tried to dispute this outstanding housing debt to establish residency for my family. We are currently homeless. Please help! I have explained my concerns to XXXX XXXX with National Credit Systems at Ext XXXX, however she has not been helpful at ALL! Today XXXX XXXX, XXXX, I called XXXX XXXX XXXX to see if she has heard back from the debtor and she says that she can not release me any information but will contact me soon as she does. One hour later XXXX calls me back and says she called back by accident. This is very upsetting because my lively hood is being held in the balance while XXXX XXXX seems to enjoy keeping me in XXXX, only demanding {$5200.00}. I asked XXXX if I can make a payment of {$50.00} until in can get This case in a court room to clear my name ) she replied thats such a small amount on such an outstanding debt! She will not accept a payment or an arrangement under {$3000.00}.
Consumer complaint received 2023-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (CA)

I have called and emailed Vance and Hoffman LLC several times a month since XXXX of this year to let them know they have a collection account on my credit report that is not mine. In XXXX  my XXXX XXXX was broken into and someone stole our mail. From my credit report it looks like Vance and Hoffman LLC bought debt from XXXX XXXX XXXX XXXX and now say I owe {$4600.00}. I have sent them my theft Affidavit and I have let them know numerous times that the debt is not mine.