davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX  - Account XXXX : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (NC)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The agency has been pursuing an alleged debt from 2007 that I disputed and despite my requests for validation, they have failed to provide proper documentation. 

I have previously requested that the debt collection agency provide me with written proof of the validity of the debt, including documentation that shows the original creditor, the amount of the debt, and any interest or fees that have been added. To date, they have not provided me with this documentation, and I am concerned that they are continuing to pursue collection activities without proper validation. 

I believe that this behavior is in violation of my rights under the FCRA and other applicable laws. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the debt collection agency complies with all applicable laws and regulations. 

Specifically, I am requesting that the agency cease all collection activities related to this debt until they can provide proper validation. I am also requesting that any negative reporting related to this debt be removed from my credit report until the debt can be properly validated. 

I appreciate your attention to this matter and look forward to your response. 

Thank you for your time.
Consumer complaint received 2023-06-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

Claims made in your affidavit, if not rebutted, emerge as the truth of the matter. XXXX XXXX : He who does not deny, admits. AN UNREBUTTED AFFIDAVIT BECOMES THE JUDGMENT IN COMMERCE XXXX. XXXX See Attached Affidavit
Consumer complaint received 2023-05-10
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 (WA)

On the XXXX of XX/XX/2023, I received a email from the bank that my pin has been changed. But I didn't initiate this action. And I sent a message to the bank immediately. The next day, I noticed that online automatic payments I had scheduled were being returned for insufficient funds. But l provided for these payments in my account. When I finally got access to my bank app, I noticed XXXX withdrawals totalling {$1500.00} had been made from my checking account. I didn't initiate these withdrawals. The statement showed that this activity was done at XXXX, XXXX XXXX XXXX XXXX. When I contacted the merchant, they identified these charges on their system. But said, my bank atm associated with my checking account at Chime Bank was not the card used in making the transactions. The last XXXX digits of my card which I provided the merchant did not match the card on file used for the purchase. I contacted Chime bank the first few days after noticing these charges. Chime initiated a investigation. But within XXXX hrs, Chime returned with a verdict that no error occurred and as such, I will not get a temporal credit or a full refund of the debited charges. I called Chime again, stating my displeasure with the first complaint. And they reopened the investigation for the second time which is ongoing as at the time of my making this report. Chime failed to secure my funds in its care. The Company through recklessness allowed thieves to gain access to my funds even without using the debit card it had issued me. This was evident after l had called the merchant in XXXX XXXX XXXXXXXX, the location of the theft.
Consumer complaint received 2023-03-23
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. (FL)

In accordance with the Fair Credit Reporting Act I the consumer and natural person was denied credit by XXXX XXXX XXXX when I applied for a new car loan. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1692K.

You are the subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by XXXX XXXX through Experian due to the response I received. 

XXXX XXXXXXXX XXXX also EXPERIAN is in violation of 15 U.S.C 1642.

15 U.S.C 1681m and 12cfr 1002.13 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number { credit card } was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of EXPERIAN. 

IF EXPERIAN also XXXX XXXXXXXX XXXX  fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make these agencies criminally and civilly liable for all actual damages pursuant to 15 U.S.C. 1681n and 15 U.S.C 1681o. 

I will also follow up with an invoice for said violations ( {$1000.00} ) per violation ). 

Thank you!
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (IL)

I received an email from world finance stating that if I paid {$890.00} by XXXX this account would be settled. As of today XX/XX/23 on my credit report this account is not listed as settled and it says its past due {$890.00}. Thats not what the email I got from world finance stated or what the representative that took my payment said. I want my money back or this account listed as paid in full with a {$0.00} balance. This company lied to me and took my money. Thats fraud.
Consumer complaint received 2023-03-23
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. (LA)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (OH)

I discovered in early XXXX that Barclays Bank had been sending my rewards points from my Visa Card to an account that I had closed years before I opened a the account with Barclays, and that Wyndham Rewards did nothing to correct the error. 
Since late XX/XX/XXXX, I have contacted Barclays or Wyndham some 12 times by either phone or email and have been sent from the one to the other several times without resolution of the problem. As of late, they have stopped responding to me altogether. The only change that has been made is that Wyndham Rewards opened a new account in my name and the Barclays card points from XXXX XXXX forward have been credited to this account. 
Much to my consternation, Wyndham rewards still won't credit to me the XXXX points that have been sent to them by Barclays, and Barclays will likewise do nothing to correct their error. The points number was the total from all the Barclays ' Visa Card statements that I have from the opening of the account in XX/XX/XXXX.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NJ)

Description of Complaint : Chime suspended my account for XXXX  that occurred on their behalf upon setting of this account back in XXXX or XXXX I use an option that they provided on their website called sign in with XXXX. My XXXX XXXX name included an alias XXXX XXXX my legal name is XXXX XXXX on Monday. They suspended Chime suspended my account for that occurred on their behalf upon setting of this account back in XXXX or XXXX I use an option that they provided on their website called sign in with XXXX. My XXXX XXXX name included a alias XXXX XXXX my legal name is XXXX XXXX on Monday. They suspended my account and required me to provide proof of address and my. And my current an expired drivers license. I am mediately provided documentation within 30 minutes via email. Additionally, the following day they indicated that I had to request a formal legal name change. Additionally, I responded immediately within 30 minutes and I immediately provided them with the documents that they asked for which was proof of address my current, an expired license, front and last date I initially also went to the motor vehicle commission to receive a updated copy of my license with my current address as listed on the chime account it has been over 96 hours. My account is still under suspension. The suspension has not been lifted. I have escalated multiple times to a supervisor with the last escalation being today I was informed I would be he was in review. This is the differently, causing an issue in my life. My hardship I have had bills which I have not have been able to be paid because this is my primary financial institution this is inhumane, as well as Discriminative of people at chime, who have falsely suspended my account, as well as not provided the proper level of empathy or customer service to resolve the issue. I am greatly depressed by this. I have been able not able to work because I have not been able to use the funds in my account to get to work or pay my bills my children have been Desired Settlement : Contact by the business ; Finish the job ; Remove suspension on account
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX open on XX/XX/2015 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (PA)

XX/XX/XXXX I paid a merchant {$18000.00} with my credit card, XX/XX/XXXX I sent in a payment to Chase to pay off that charge. I was notified XX/XX/XXXX that the charge on my credit card had been reversed when the vendor 's bank declined to accept my payment leaving me with a credit balance of {$18000.00} on my credit card. I called Chase and requested a refund of that {$18000.00} overpayment. I was told it would be sent in 7-10 days. On XX/XX/XXXX i called them to find out what happened to my refund and after 30 min on hold was reassured that it had not been processed but it would be processed and to wait 7-10 days for my refund. On XX/XX/XXXX i called again to find out why i still did not have my refund and was told I had not responded to some email they were to have sent to me, but admitted it was never sent and so they would now process that refund. It was not sent to me and so I called again and was told by a supervisor that the refund had been 'cancelled at customer 's request '' which was inaccurate - I had asked for an electronic transfer back to my bank, but that was never done and instead it was cancelled. I was then reassured it would be processed and i would receive a refund check mailed to my home in 7-10 days. on XX/XX/XXXX i still had not received my refund and filed a complaint on line with chase rather than calling them again and today - XX/XX/XXXX received my first email from chase saying they would refund my money ( suggesting to me that the 4 prior phone calls did not lead to any resolution or effort on chase 's part to refund my money despite me talking to 'XXXX  XXXX the supervisor. I was told by her they could not send me a refund to my bank and that it would have to be a check mailed to my home and it would take 7-10 days. Today the email from chase asked if i wanted it electronically returned to my bank and i set that up with the email portal. 
It is now XX/XX/XXXX, over a month since asking for my refunded overpayment and I think they have been fraudulently keeping my money without paying me any interest on that money which was mine not theirs. I have asked on 3 occasions for a call from a supervisor to escalate this issue but to date no one has contacted me. They are clearly trying to hold on to all the money they can and delaying refunds allowing them to make money on my money. this must be illegal. 
Please do something - all documents are in their possession, i have none
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BTH Management (TN)

Hello, my name is XXXX XXXX, and I would like to formally file a complaint against Plaza Services for breach of contract with all of their clients. 

On XX/XX/2023, I initiated arbitration proceedings against Plaza Services through the XXXX XXXX XXXX ( XXXX ). The case number for my complaint is XXXX. 

XXXX has reported that Plaza Services has failed to comply with the established rules and has a history of not paying the costs of arbitration. 

I have attached a copy of the correspondence I received as proof of my allegations. 

Unfortunately, I have been adversely affected by this situation and am currently experiencing several negative consequences that are impacting both my personal and financial well-being. These consequences include difficulties in obtaining approval for a home, a significant waste of valuable time, increased XXXX  and XXXX, and marital issues arising from my inability to refinance my existing home and purchase a new one for my family.
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (VA)

I have 2 complaints with ProCollect : 1 ) Trying to collect a debt that has already been paid. 
I moved out of XXXX XXXX XXXX, XXXX XXXX in XXXX of 2021 due to complications with COVID 19 and ultimately, unemployment. I transferred to another apartment within the same apartment complex. At the time, I had a grant from XXXX XXXX, VA that paid for most of the costs and had extra monies in my " apartment account. '' I have a statement from XXXX at XXXX, the apartment complex, from XX/XX/2021 stating all monies had been paid on the Apartment. I never received notice of the {$950.00} damage bill being collected until after I called ProCollect and disputed a {$950.00} damage bill associated with damages to XXXX XXXX XXXX, XXXX XXXX and referring to a signed document that was an addendum to the XXXX XXXX lease. When I disputed this bill and stated it was false due to the address listed on the paperwork they were claiming, ProCollect brought placed it on my credit report and associated it with XXXX XXXX and with a new date. Again this debt had already been paid 2 ) Prior to the debts being reported to the credit bureaus, I tried to contact ProCollect multiple times. I was told after my first round of disputes I could not speak to anyone besides a XXXX XXXX within the company. This elusive XXXX XXXX can not be contacted by phone. I emailed him 3 times prior to the bills being reported to the credit bureaus. I have disputed the bills with the credit bureaus and each time have been told that I am at fault even though I send in the documents I have. I have contacted him 2 times in the past two weeks, stating I just want to pay the bills, even though they are not mine, just to be done with it. Again, no response. I am at a loss. Please help.
Consumer complaint received 2023-05-10
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: BMW Financial Services NA, LLC (FL)

I checked my XXXX credit file and found several inaccurate files. My personal information was shared illegally without my knowledge or permission. I maintain the right to privacy and do not wish for my personal information to be shared by any organization without my permission. My right to privacy according to the Fair Credit Reporting act was clearly violated.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MD)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Blackhawk Network Holdings Inc. (ID)

User for years with XXXX XXXX. Received from work XXXX XXXX. No issues until now. This run around & getting poor resolution is unfair & unacceptable. Had {$130.00} bal for over a year. Used card for purch in XXXX it declined. Purchase was {$40.00}. They said no issues on their side but couldve been issue on merchants side. Seemed possible didnt try again & kept saving. Work gave points in XXXX. My bal was {$35.00}. Called to find out how to fix it. Told go to website. I couldnt. Found out theres no profile for me anymore. Was told last 2 transactions. I had a fraud charge {$99.00}. Told try review text alerts of purchase. Explained I never received any alert if I had this wouldve been handled right then. Asked how & when did my profile get erased. They couldnt tell me. They finally understood with no profile there's nothing going to be sent. I wouldnt know of a problem. They said wait for email 24-48 hrs they would have a resolution. Was told get a new card since mine was compromised. Called company several times in two weeks still no email. They would escalate again. Just received new card had to register new profile which now works. Checked new cards bal hoping to see orig {$130.00} & nope its only {$20.00}. Old bal was {$35.00}. They charged a {$15.00} replace fee. Just got email saying sorry but charge was over 60 days old theres nothing they will do to reverse fraud charge. Called to escalate got same thing. Was told with new card I can start over. Tried getting my company to help asked if they could help with reimbursing {$99.00} charge since work is a finance bank & they offer card to employees. They said sorry we just use this company go back to them. Blackhawk wont help. They didnt help in XXXX when all this could have been avoided. Just found out fraud charge was reason orig purchase didnt go through. This company dont care about their users and making things right. They just want to charge you fees & take your money. They are thieves. If you are lucky enough to get a response from the company its just a generic auto response. They do not fix any of the issues. I will also be filing a complaint with the XXXX.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.