davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-24
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 (GA)

I, XXXX XXXX, a consumer, am here to express and resolve my problems I am having with Chime. I have been a chime member for almost four years and Ive never had money stolen out of my account but as I brought this knowledge to Chimes attention by filing a claim, they denied my claim within 3 days after explaining to me that it would take at least 90 days to fully investigate my claim. I contacted chime on XX/XX/2022 to inform them that almost {$5000.00} of unauthorized charges had been places on my account while I was incarcerated. No one I am connected to had any access to account and my card was still in property. I let them know that I had absolutely nothing to do with any transactions that were placed on the dates XXXX/XXXX/2022 through XX/XX/2022 and that I was not aware of any of these transactions until I was released on XXXX/XXXX/2022, the day I called to make my claim. I am highly upset with chime and I dont feel as so I was treated fairly, I informed them that half of that money was my rent money and I had no other way to pay until I received my funds, so I was at least looking towards a temporary credit to my account so noticing my claim got denied within 3 days left me utterly confused and completely in distraught. I had no back up money and that led to me getting evicted out of my home, Chime has failed and gave me no explanation as to why my claim was denied and since they clearly dont care about their costumers I am going the extra length reaching out to the bureau because I know you all will take the right time to fully investigate my claim. 
Thank you
Consumer complaint received 2022-12-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (NV)

On XX/XX/XXXX, a debit from a XXXX transaction posted to my Ally account ending in XXXX. I discovered this on XX/XX/XXXX and immediately contacted Ally and filed a dispute with a customer service XXXX On XX/XX/XXXX, I was issued a provisional credit and I thought that would be the end of the problem. Please understand, I did not do a XXXX transaction in my Ally account. It was done by somebody other than myself, a hacker I believe. I never set up any XXXX to be done in my Ally account. That was done by the hacker. On the same day, XX/XX/XXXX, another XXXX transaction was attempted in that same XXXX Ally account for {$990.00}. Ally rejected that one but allowed the smaller one to be completed. I was never notified via email, phone call or text of these XXXX transactions by Ally. I discovered them when I was online examining activity on my account. On the same day, I transferred all monies from the XXXX account to a new Ally savings account ending in XXXX. I also changed user IDs and passwords to both accounts. I received a letter from Ally dated XX/XX/XXXX saying that Ally had rejected my dispute, that no error had occurred and that the transaction was completed with a merchant that I had an established relationship with. This is absolutely not true. I attempted to file a XXXX dispute on XX/XX/XXXX, this time speaking with a supervisor. On XX/XX/XXXX, I called back and was told that the XXXX dispute was denied. I called back on XX/XX/XXXX and was told that the dispute was closed not denied because it was deemed a duplicate. On XX/XX/XXXX, I spoke to a person in Loss Prevention and she spoke to somebody in the Fraud department and they said it was final. According to her the Fraud department said they spoke with XXXX directly and based on their communication with XXXX they came up with their final decision. Please understand, I was never allowed to speak with anybody directly in the fraud department, which is unbelievable and very frustrating to me. That the XXXX transaction was done is not the question. The question is whether it was done by me and how they could know that by talking with XXXX, I do not know. But let me make this clear, I did not do this XXXX transaction. I have only ever done and set up XXXX transactions in my XXXX checking account, period.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Hello, I am aware that I have rights protected under the Fair Credit Reporting Act ( FCRA ) and I believe it is imperative that I share this information with you. 

I have discovered a very easy, clear, and concise violation on one my collection accounts.

On my credit report, I see that the " Date Opened '' for this collection shows as " XX/XX/XXXX ''. I will be attaching the section in my credit report which clearly shows the dates highlighted for you to see erroneously input by this collection agency. 

I will also be attaching letters sent to me by this same collection agency way back in XXXX! This account has been open for at least 5 years ( not since XXXX as they've claimed ). They are lying on the credit report and this is a clear violation. 

I respectfully demand that the following account be removed from my credit report because of their lies and inaccuracies on my credit report : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Thank you for your time.
Consumer complaint received 2023-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

A collection was placed on my credit without notification of debts origin, an itemized bill describing charges for this debt and has greatly impacted my XXXX XXXX. This account is attempting to collect a fraudulent debt
Consumer complaint received 2022-12-04
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. (TX)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-24
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. (CA)

I have recently done an investigation into my credit report and I don't believe the credit reporting agencies are 100 percent accurate and so I would like this account removed. 
In accordance with Fair Credit Reporting Act XXXX Account # XXXX US DEPT OF ED, XXXX XXXX XXXX XXXX XXXX PA 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 an account without my written instructions.
Consumer complaint received 2023-01-28
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. (IL)

In accordance with the Fair Credit Reporting act : 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 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 XXXX XXXX XXXXXXXX. 
, have 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 an account without my written instructions.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (PA)

In XXXX of XXXX, I tried to take XXXX dollars out at an ATM, and the money got stuck and I didn't recive my money so disputed the transaction. It's been over XXXX years and that has not been solved yet. My debit card got hacked in XXXX of XXXX, I tried to file many disputes for that and it never was filed correctly, finally in XXXX of this year I got a dispute started for an ATM withdrawal for XXXX dollars. I have not heard anything about that dispute or received a credit. I am upset because no way should it take XXXX years to settle a claim. I would like that money back from thar claim and Mt XXXX credit for this claim, because I am not willing to wait over XXXX years again. It should never take this long. I am very very disappointed and once I get my credit for this transaction I am going to close my account with current. I should not have to file complaints to get them to give me answers. Over XXXX years is plenty of time to finish a dispute. It's like nobody is actually looking into the disputes.
Consumer complaint received 2022-12-04
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. (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2022-11-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

I was targeted for being a XXXX XXXX, Offered Unfair Rates and XXXX XXXX in The Store Environment, Knowing The XXXX XXXX exists XXXX 's needs to take better steps to protect my Account. 

Immunity from Liability If a mandated reporter makes a report with earnest concern for the welfare of a child, he or she is immune from any criminal or civil liability that might result. This is referred to as making a report in good faith. 

Listen to XXXX XXXX with XXXX : episode XXXX by XXXX on # XXXX https : XXXX Listen to XXXX podcast with XXXX : XXXX XXXX by XXXX on XXXX XXXX https : XXXX
Consumer complaint received 2022-11-24
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: Maximus Federal Services, Inc. (MN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

And In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Dept of Education/ AID Advantage XXXX XXXX / amount {$1700.00}, Dept of Education/ AID Advantage XXXX XXXX amount {$3500.00}, Dept of Education/ AID Advantage XXXX XXXX XXXX {$4300.00}, Dept of Education/ AID Advantage XXXX XXXX amount XXXX {$2800.00}, Dept of Education/ AID Advantage # XXXX /amount {$230.00} , Dept of Education/ AID Advantage # XXXX /amount {$3000.00} Account name XXXX XXXX # XXXX /amount $ XXXX PAID OFF XXXX XXXX XXXX XXXX XXXX XXXX  /amount {$720.00} =PAID OFF XXXX, XXXX, and XXXX have 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-24
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-04
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: Flagstar Bank, N.A. (WI)

I have a lot of statements saying I payed for something I did not pay for and hotel rooms I was never in My bank is flagstar bank I was also sent false statements mailed to me I also changed cards I think someone got my routing number and account number I'm on XXXXXXXX XXXX XXXX XXXX  did not realize all this till now
Consumer complaint received 2022-12-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (MD)

I lost my job. Charge me to much interest rate on the vehicle. The company is Santander consumer USA. And they told me that the loan was sold yo another company and it is still on my credit report. And I also have some hard and soft inquiry on my credit report that I am not aware of and I cont these company and wrote letters to ask can they please remove all off my credit report.
Consumer complaint received 2022-12-04
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. (TX)

Please note I am the only natural person writing this statement with the help of NO 3rd party. I never gave these company any written consent to report any inquiries on my consumer report. I am attaching FTC Report Immediately to be deleted from my consumer report.
Consumer complaint received 2022-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IN)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization-used my personal identifying information to apply for goods, services, or money, and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

Ive been trying to get an access code numerous times and I mean numerous times to verify my identity! This situation has put me into a bind im already about to lose my vehicle that I just purchased! I think that they are keeping my money XXXX I think that is unfair and I think its literally ridiculous how their representatives speak to people! when I open the account that was my verify phone number and all of a sudden they started declining my transactions declining my funds and literally ignoring my calls!! To where they would just hang up on me I think theres an active stupidity and ignorance and I hope that you guys can help with the situation and expedite my account to be open so I can use my funds! If this is not resolved I will be forced to close my account!
Consumer complaint received 2023-01-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On ( XX/XX/2022 ) 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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 2022-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

PennyMac started out by taking months longer to close my loan than promised. 

Now they finished by failing to send an escrow refund in the XXXX days required by law. They claim to have sent the refund, but its been over the XXXX mailing days that is reasonable to receive a refund check ( and theyve ironically sent several other documents that dont cost them money ), but were sitting at XXXX days past closing and the escrow refund is nowhere to be found, while I have to move and need my money. 

Absolutely horrible, dishonest company.
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (OH)

I received an email from XXXX XXXX informing me of a Hard Enquiry. When i logged in to my report, it stated I had a hard enquiry from TD BANK USA/TARGET. 

I never applied for such a card. I called XXXX and they said I would have to wait a few days for it to show up in the " New Accounts Department ". 

I then called TD BANK, but it is Sunday so I have to call back during business hours.
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-21
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. (IL)

I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.
Consumer complaint received 2022-11-21
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. (GA)

In accordance with FCRA, facially false data being included on consumer reports in violation of section 607 ( b ). Bryant v. TRW, Inc Section 607 ( b ) of the FCRA provides that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. his company continues to make bad faith and erroneous reporting LATE PAYMENT HISTORY ON THE FOLLOWING ACCOUNTS XXXX XXXX XXXXACCT WAS NEVER LATE XXXX XXXX XXXX  ACCT- ACCOUNT WAS NEVER LATE XXXX XXXXXXXX - ACCOUNT WAS NEVER LATE