davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I tried to resolve this issue muti times within the last year an its causing me emotional distress. This is defaming my charter I also move in honor and clean hands. As per last request number XXXX I filed a complaint stated I never gave verabal or written consent and asked them to send me proof and they didnt answer my response correctly! They are stating the validated the account but sent no proof of that and also never sent proof that I gave them Verbal or written consent to share my alleged private information or transaction. They are in volitation My last time requesting that I gave them consent in any way was XX/XX/2022 also never gave them consent to pull soft pull on me that was without my consent they are making money of me by sharing my information and transaction without my knowledge or consent.. I do not consent to eoscore. As a consumer reporting agency you assume a vital role to make sure that all information on my consumer report in accurate, fair and XXXX. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( **name of company reporting the late payment** ) such authority. 


Listed accounts XXXX XXXX XXXX account # XXXX amount {$1000.00} XXXX XXXX XXXX XXXX XXXX account # XXXX
Consumer complaint received 2019-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MI)

Saw on my credit for Diversified Consultants for {$5100.00} for XXXX. I immediately called XXXX to see what was going on. Said had an old account from last year and verified was opened and all items were sent back but some how I am still being charged for all the items. XXXX said there was nothing they could do on their end so called Diversified and the people were extremely rude and abusive on the phone before I could even get a word in to explain why I was calling. Threatened me and harassed me. I am also looking into an attorney to go after them for the way they treat consumers.
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I need these items removed from credit profile XXXX XXXX .XXXX..XXXX XXXX.. these companies have violated my privacy rights.. under 15 U.S.C 1681 section 604 A section 2 a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score fcra violations all above
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc (GA)

On XXXX XXXX I opened a dispute with chime bank and provided them with as much evidence on me being scammed out of my money by this merchant XXXX XXXX  for {$3000.00}. On XXXX XXXX Chime denied and closed my claim saying that they spoke with the merchant and the merchant told them I didnt make the payment on the vehicle so they repoed my vehicle, which is false. I made the initial payment of {$3000.00} on XXXX XXXX with my chime XXXX XXXX. Chime still denied my claim after they see the payment was made in that day. I tried to reopen my claim with chime on XXXX XXXX and they still denied my claim once again. Chime told me there was nothing they could do and that I will not receive my money back because Of what the merchant said. Ive been a customer with chime almost a year now, never had a problem out of them but this is very frustrating knowing my bank chose the merchant over their costumer being that I provided all the evidence I had even a police report that they asked for. Here it is XXXX XXXX and Im at a lost of {$3000.00} and a car.
Consumer complaint received 2020-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX I woke up to emails about my credit report from Transunion. I attached all the proper paper work that clearly states that they were wrong and had to delete incorrect things off my report. However, they took it upon their selves to report incorrect items on my report. I attached 4 different reports concerning my report such as incorrect balances on 3 students loans, and also an incorrect XXXX bill. The XXXX  bill was clearly paid in full and closed, they were just reporting the account open so now they listed it under bankruptcy how? Instead of removing like the law clearly states because you can't put incorrect thigs on a report, Transunion took it upon their selves to list theses following reports under bankruptcy. Now I might not be the smarted cookie in the pack, but I clearly know that is against the law. Plus I reached out to a lawyer which he clearly said that is fraud. I also asked for something in writing to verify the bankruptcy that they are reporting. I will attach the accounts that they call themselves listing under bankruptcy instead of removing for inaccuracies.. I also asked for a writing letter for the late payments of the student loans that they are claiming that were 90 days late. The slots allotted only reports a late payment in XX/XX/XXXX. The months before that they all report ok!. I have attached the 4 accounts that they have put under bankruptcy. If you all state that bankruptcy was filed 2 years ago how do you list new accounts under bankruptcy that never went to court. I will contact my lawyers as of XX/XX/XXXX. You all have until Monday to remove this off my report. I will not ask for anything else in writing to verify this so called bankruptcy that you all can not provide. I have written 4 times. and every time you all send something back as verified. I want it in writing how you verified and the name of the person who verified this.
Consumer complaint received 2020-11-28
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: AES/PHEAA (MN)

I got a notice on my XXXX XXXX on XX/XX/2020 of a late payment on a closed STUDENT LOAN account in which is no longer reporting on my XXXX credit REPORT because it has been REMOVED. This has caused my credit to go down 30 points. How can this account still be reporting payment history when it is closed and has been transferred to another company. REMOVE THIS ACCOUNT from my credit REPORT.
Consumer complaint received 2021-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MN)

I had a brand new car in XXXX and in XXXX it got totaled? I was working at the time and I lived in Minneapolis and my job was in XXXX so I would get rides and I would walk to and from work most days? I was walking like XXXX miles to and from work and I have had XXXX XXXX  surgeries and a XXXX XXXX and I did pay for it most days? But I had to do what I had to do because I have XXXX kids, rent, and bills? So I went and purchased a car on XX/XX/XXXX a XXXX XXXX XXXX that was {$14000.00} and my interest was {$15000.00} on top of {$14000.00} so the car came to {$26000.00}? Isnt that usurious? I was trading it in last year but the pandemic was a real pandemic for me cause I lost my job on the same do they shut the country down? XX/XX/XXXX. I didnt have money to put down so I went through this company where they sent me a letter for a car program because I didnt have a down payment or good credit so I had to take anything? The finance company is Credit Acceptance and the first car dealer ship that I had ever went to got sued for pushing through car loans knowingly the customer couldnt afford the payment? I want to trade my car in tomorrow to get myself out of this and I want to be able to be done paying them and not owing Credit Acceptance a dime a being able to purchase my truck tomorrow? Please please please help me?
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc. (NC)

I am submitting this complaint because Associated Credit Services is being unfair and negligent. This company has RE-AGED the account and IS reporting discrepancies across bureaus.

I am disputing the following item on my report : Account information : Associated Credit Services, account # XXXX, opened : XX/XX/2019, original balance {$440.00}, original creditor : XXXX XXXX. 

I am willing to take this to the next step by filing a small claim against the company because they have committed multiple violations against my consumer rights.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (CA)

On XX/XX/2021, I applied for an online checking account at XXXX with a {$200.00} cash offer to open the checking account. After I filled out the information and submitted the application, I received a notice that my application for a checking account was denied. I received a notice that XXXX would not open a checking account because of information from Early Warning Services. I attached the notice to this complaint. On XX/XX/2021, I contacted Early Warning Services to find out what is going on. They wouldn't give me the information over the phone. They claimed that it would take several days to send me the report. I requested for the report. They emailed me a Deposit Score that I attached to this complaint. Early Warning Services could not help me fix the problem. On XX/XX/2021, I called XXXXXX/XX/XXXX to find out if I could get someone to help me open the checking account or a least find out the reason my account was denied. However, everyone I talked to did not seem know what to do. They all sent me to different people and no one was able to help me. After talking to a few different people, I was sent to another department that was not able to help me and my call was ended. I do not understand why I was denied a checking account. I have not committed any fraudulent activity. I work for the U.S. Attorneys Office in the Department of Justice. I received an extensive background check for a security clearance. I would lose my job if I committed any kind of fraud. I have not over drafted any of my bank accounts. I have checking accounts with XXXXXX/XX/XXXXXXXX XXXX and XXXXXX/XX/XXXX Applying for a checking account has never been an issue and this is the first time I was denied.
Consumer complaint received 2020-09-09
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: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-23
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: JPMORGAN CHASE & CO. (NY)

My card was charged on XX/XX/20. The order was cancelled on XX/XX/20. Seller printed a label on XX/XX/20. The seller ignored complaints to the XXXX and the FTC. They only responded After a complaint was filed with the FBI.After to many emails to count, USPS did not receive the items until XX/XX/20. A second shipment was made on XX/XX/20. The seller informed the XXXX  that I would not be charged for either shipment, as per FTC regulations. Chase Bank refuses to credit my Visa card.
Consumer complaint received 2020-09-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XX/XX/XXXX I received a refund from XXXX credited back to my card for XXXX. It has been almost two months and XXXX has stated that the amount was sent to the bank and Bank of America will not look into it. I have called and they open and then closed the dispute
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OH)

On XXXX XXXX XXXX there was a total of XXXX unauthorized charges on my Chime account. I have disputed this a total of 4 times and every time it was denied. My son has an account with XXXX XXXX and I sent to Chime the screen shot of his purchases in XXXX, I have talked to support at XXXX XXXX and they arent seeing the charges on the account so it was charged from a different account and Chime is not taking the proper steps in investigating. They said because I have authorized my son to use the card to make a purchase before that they are denying the claim. That is bogus because its fraud. The total is XXXX  I dont think that they are actually investigating because they are quick to deny the claim even with the screen shot that I sent to prove that it wasnt done by my son. I am closing my account with Chime as soon as I get the new card in the mail to be able to withdraw my money. Its not a safe place for my money.
Consumer complaint received 2022-01-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

XX/XX/2021 - Received call from someone identifying themselves with Wells Fargo Bank advising of irregular account activity and asking for identifying information which was provided under the impression it was the bank ( WF ). I was told I was going to receive text ( s ) and to provide WF with the code ( s ) provided. There were 44 in all - and upon inquiry the response was logical. The " person '' from WF then ended the call and said they would contact me the following day. 
XX/XX/2021 - No call came - I contacted my local branch and asked for the previous caller by name and ID given - My branch advised no such person. My branch looked up my accounts and verified money had been moved from savings to checking where it was accessible for transfer. Confirmed 44 different transfer requests totaling {$14000.00} and referred me to the fraud section. Talked with the fraud department who advised I would get my money back. Advised to contact credit bureaus, police and XXXX and cancel credit cards. Checking and saving accts were closed and new ones opened. It should be noted that despite knowing a scam was in progress, WF transferred funds held in the old accounts to the respective new accounts which allowed the wires to be processed on XX/XX/2021. Opened fraud claim. XX/XX/2021 received account print out of transactions showing transfers occurred on XX/XX/2021 after WF notification of the scam by me.

Subsequently WF notified me of the claim denial resulting in continued efforts, additional calls and escalated claims all denied. Additional contact resulted in being advised Wells Fargo was a business and has shareholders as well as You could have done this to scam the bank.

WF clearly failed to take appropriate action when notified prior to funds transfer and failed to take responsibility for proceeding with what was clearly a scam in small amounts to an international account to avoid detection without additional verification.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MA)

This is in regards to a Late Payment reported on my Credit for the month of XX/XX/2021 my JPMorgan Chase Bank. 
I have always had an impeccable history of making payments on time. 
In this particular instance for my XXXX statement, I made the statement payment through my Savings account. I had been using this account to make my payments and in the previous month there were instances where the payment was taken out of this bank account without any problem. 
I only got notified from JPM Chase that the payment was unsuccessful.

Also as a back up, I had an monthly Auto Pay setup from a different bank account than the one above. JPM had been taking out this monthly auto pay in previous months but did not do in XXXX. 
If the above statement payment did not go through for some reason, the auto pay should have gone through. If prior month payment transactions and monthly auto pay went through without any problem, how could these transactions not be possible in XXXX. 
Even if the payment transaction from one bank account did not happen the other monthly auto pay should have kicked in.

This has adversely dropped my Credit score and would want to get this fixed. I do not believe it is my fault as I made the payment and also setup an monthly auto pay which had been working in the past months. I would like for JPM Chase bank to fix the reporting of the late payment on my credit.
Consumer complaint received 2022-01-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PRESTIGE FINANCIAL SERVICES INC (AL)

Prestige Financial located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX, phone number XXXX, alleges that XXXX XXXX owes {$23000.00} for an auto loan. Opened XX/XX/XXXX. Prestige falsely alleges a payment from XXXX XXXX from XX/XX/XXXX. XXXX XXXX has never made any payments to Prestige. XXXX XXXX is XXXX, disabled, receiving SSI benefits and has never contracted or paid Prestige Financial any money at anytime.
Consumer complaint received 2022-03-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I visited a XXXX car dealership in XXXX XXXX, NJ called XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX ) on XX/XX/2022 and saw a XXXXXXXX XXXX. I've contacted them again in about 3 days and they told me the car I saw was already sold. They told me that if I want the car I'd have to come and make a deposit so I get the car in the next shipment. 
So I've visited them again on XX/XX/2022 and paid a {$5000.00} deposit and signed couple of papers for the car. I've been told that the car would arrive Friday, XX/XX/XXXX ( " in 3 days max '' was the exact words by the salesman ) the latest. I've followed up with them almost everyday until XX/XX/XXXX, the same answer I get was " it should be on the truck arriving today ''.

One thing I forgot to mention was that the VIN number put on the initial contract is different than the actual VIN number of the car I was supposed to get. When I said that to the salesman he said " Oh we will have to redo some paperwork to fix it don't worry ''! So I was sold a car that didn't even exist! 
On Thursday XX/XX/2022. I went to them and told them I don't want the car since they have been so irresponsible with the paperwork and the promised delivery time. They told me OK and they took my debit card ( the same card I paid the {$5000.00} with ) to accounting office and then gave it back to me and told me your refund should be issued in around 2 to 3 business days.

Now I'm writing this on XX/XX/2022, little over a month from the day I was told that the refund will be issued, and still I haven't received my refund. I've contacted them thousands time and I always get ditched. 
And to make things worse, I see a car loan with Capital One Bank in my name for a car I didn't even purchase!