davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: C & M Associates Group, Inc. (TN)

This complaint is for Chadsworth and Macon Assoc. On XXXX XXXX I received a call from XXXX XXXX XXXX XXXX where a man said he was calling to get a statement from me regarding a debt I owed from XXXX. I told him its not my debt bc its for an XXXX XXXX pay day loan that was withdrawn from my XXXX XXXX XXXX XXXX Acct. Ive never had an XXXX  acct so I knew it was false. I asked him what I should do and he said to talk to them and come to a settlement or itll be worse for me, so I said fine. And he said OK Ill transfer you now. Which I thought was weird that XXXX XXXX had a mediator that called in regards to XXXX debts and could easily transfer like that. 
But I got bullied by the company to pay {$1000.00} due to the initial XXXX XXXX call and lots of threats to my credit report and/or being sued so I called my CC company and told them the situation and that I paid before I realized this might be a scam and the fraud dept found reason to say that the payment be refunded to me. Then they called from the XXXX # XXXX on XX/XX/XXXX and their number ( XXXX & XXXX ) several times and said they were taking me to court for reporting fraud bc now Im the one who committed fraud? Almost scared me into paying again until I found other complaints of the same things happen to others.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (SC)

I opened a new account for my business with Chase Bank. A month later, on XXXX XXXX XXXX weekend, I became victim to a XXXX XXXX  scam. I was called and told my account was past due and my electric would be turned off. I was instructed to go to XXXX XXXX, who does accept bill payments and pay the past due and deposit amount since it was a holiday weekend or my electric would be shut off all weekend. The scammers sent me a code and I went and payed in four transactions totally XXXX. A month later XXXX XXXX  informed me that it was a scam and no payment went to them. I reported this to XXXX XXXX as well, the XXXX  and cyber crimes. I kept the text with barcodes and receipts. I reported this matter to Chase Bank as it was my business account. Chase denied my claim twice stating that because it was an in person transaction it isn't fraud. Despite it being in person, it was a financial scam behind it. Chase refused to refund me, stated it was my fault for being manipulated and even tried to throw an old claim where I questioned a vendor payment on my statement. Worst bank ever. No protection for business accounts and horrible customer service blaming an innocent victim to a scam. They still refuse to refund my money yet I receive emails everyday saying how they're there to help with scams. False. They are not. Closing my accounts with them.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

On XXXX at XXXX pm I made a {$300.00} withdrawal from a XXXX ATM and before I could take the money, the ATM sucked the money back in the machine. It said on the ATM to call your financial institution, which I did immediately and the representative of from chime Bank asked if I had the receipt, and I said yes, and he said take a picture of it, and I did. He said after the transaction is final, meaning not pending I can file a dispute. On XX/XX/XXXX the transaction was final and I called chime bank and filed a dispute. The woman I spoke to was very nasty and she acted as if she lost the {$300.00}! And I was told it could take up to 45 days to get a response. I got a response to my dispute the very next day on XX/XX/XXXX denying me any refund of my {$300.00}. I called XXXX  the company that takes care of the ATMs and explained what happened, several times, and I have gotten nowhere, and no refund.
Consumer complaint received 2024-09-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (UT)

Subject : Complaint Regarding Missing Refunds XXXX XXXX XXXX Affirm Dear Sir/Madam, I am writing to formally file a complaint regarding a serious issue involving both XXXX XXXX XXXX  and Affirm. The issue concerns multiple refunds that were processed by Affirm but have not been credited to my closed XXXX XXXX account. 

Background : On XX/XX/XXXX, Affirm processed several refunds to my XXXX XXXX account ending in XXXX, which had been closed since XX/XX/XXXX. I promptly informed Affirm about the closed account. Despite this, Affirm confirmed that the refunds were processed and provided me with the following reference numbers : - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX I contacted XXXX XXXX and provided them with these reference numbers to locate the refunds. However, XXXX XXXX has repeatedly stated that they have not received any funds related to these transactions. 

Details of the Transactions : - Total Amount Refunded : {$200.00} ( 7 transactions of {$29.00} each ) - Date of Refunds : XX/XX/XXXX - XXXX XXXX Account Number ( now closed ) : Ending in XXXX - Affirm Reference Numbers : Listed above Request for Assistance : I am requesting that the Consumer Financial Protection Bureau investigate this matter, as I have been unable to recover these funds despite following all recommended steps. I believe that XXXX XXXX and Affirm are responsible for ensuring that the funds are properly accounted for and returned to me. 

In the message from Affirm, they indicated that if XXXX XXXX is still unable to locate the refunds, I should provide them with a document from XXXX XXXX on their official letterhead confirming this. I have requested this from XXXX XXXX but have not received a satisfactory response. 

It's been XXXX month trying to get my refund. I would appreciate your assistance in recovering these funds and resolving the issue. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bull City Financial Solutions, Inc (AR)

I've contacted through XXXX XXXX Services on XX/XX/year> with purpose to have a fraudulent account removed. I've requested Debt Validation, XXXX XXXX XXXX, Original Contract, and to have fraudulent information removed from my consumer report if BullCity Financial SOL wasn't able to grant said documents. 

Failure to produce said documents above are violations of, 15 US Code 1681, and should immediately be removed. I ( consumer ) am attaching also a identity theft report to further address the violation of improper furnishing of reports to a consumer credit profile. 

Further violations will result in arbitrary actions.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I reviewed my Consumer Reports and noticed that I had one 30 days late payment reported on an account. I was never been 30 days late payments for Consumer Reporting Agencies as they assumed. They have a vital role and responsability to report Consumer information in safety way, and the best ability with Maximum Accuracy. I have never been on late 30 days payment for the Account " XXXX XXXX XXXX '' with account number " XXXX ''. Please investigate and provide good information that these payments, were late for more 30 days. Otherwise If proof CAN NOT be provided, I request to fix these wrong information payment status be moved and updated to " ON TIME '' status as they should be. Thanks
Consumer complaint received 2024-09-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SoLo Funds Inc. (GA)

Over the past three years, I have been a customer of Solo Funds, having availed several loans from them since XX/XX/year>. However, I recently discovered that the interest rates on these loans were cleverly disguised as " tips '' and " donations. '' I have documentation to support my claim, including an example where I initially requested a loan amount of {$100.00} with a " Lenders Tip '' of {$5.00}, and the total amount due was {$110.00}, including a {$7.00} " Donation '' for SoLos Maintenance Fee. Subsequently, the lender proposed new terms, increasing the " Lenders Tip '' to {$10.00} while maintaining the {$7.00} " Donation '' for the maintenance fee. Furthermore, it was stated that rejecting this new proposal might result in my loan returning to the marketplace, potentially leaving me without funding from another lender.

I have been lured into a scheme where I ended up paying exorbitant " tips '' and " donations '' without my full understanding.

I'm seeking your support and assistance regarding restitution payment from SoLo Funds for the amounts borrowed and repaid and the tips and donations made since I joined after falling victim to deception. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

Between XXXX was in regular contact regarding the inability to pay on my loan through the website. 

Last email we sent in XXXX explained again we were laid off and our home went into foreclosure for the third time. 

Never received a response. 

Next time went to review the status, it stated in plain terms PAID IN FULL. 

No further communications, letters email have been received. 

11 years later, XX/XX/XXXX after massive data dump of erroneous information on XXXX and Experian, showed numberous balances owed for this loan. 

Now the credit bureaus are showing TRANSFERRED which is VERY different from 11 years ago, XXXX. The website/account was altered without our knowledge or any communications. 

There have been many complaints placed through the CFPB as I've about this happening. 

Now XXXX is reporting as owed for this loan that is now showing TRANSFERRED not PAID IN FULL as it showed in XXXX. 

Someone altered the account and changed it from PAID IN FULL to transfered which is fraud.
Consumer complaint received 2024-08-21
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Bridgecrest Acceptance Corporation (TX)

Since XX/XX/XXXX, a debt has been negatively reported on my credit account by Bridgecrest, despite my repeated requests for its removal. I must clarify that I do not, and have never had, an account with Bridgecrest. This letter is in response to your latest request for an updated address, which further underscores the fraudulent nature of the information being reported. The continued reporting of this debt is illegal and fraudulent, constituting clear violations of federal law. 

Specifically, this situation references violations of the following : 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) : This section pertains to reports containing information solely about transactions or experiences between the consumer and the person making the report. In this case, no such valid transaction or experience exists between me and Bridgecrest, making this report false and illegal.

18 U.S. Code 894 - Collection of Extensions of Credit by Extortionate Means : This code prohibits the collection or attempt to collect any extension of credit by extortionate means. The continued false reporting of this debt, coupled with Bridgecrest 's attempts to collect on a non-existent account, could be construed as an attempt to use extortionate means to collect a debt. 

According to a consumer credit report from Bridgecrest dated XX/XX/XXXX, I allegedly owed a balance of {$13000.00}. The report also falsely claimed that the " merchandise was taken back by credit. '' This statement is inaccurate, as the vehicle in question was inoperable due to brake mechanical issues that were no longer under warranty and had a Federal recall from the manufacturer. 

As of today, XX/XX/XXXX, this inaccurate information is still being reported on my credit report, despite the fact that the contract with Bridgecrest is invalid. The persistence of this false reporting is damaging my credit and causing significant financial harm. 

Actions Taken : XX/XX/XXXX : Noticed the negative reporting of the debt on my credit account by Bridgecrest. 
XX/XX/XXXX : Consumer credit report falsely claimed that I owed {$13000.00} to Bridgecrest and that the merchandise was taken back by credit. 
Since XX/XX/XXXX : Repeatedly requested that Bridgecrest remove the inaccurate information from my credit report, with no success.
Consumer complaint received 2024-06-04
Product: Credit reporting 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)

recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain creditbit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Here is the issue. 


" Sorry, we're having trouble showing the status of your credit freeze right now '' or " We're unable to complete your request online. '' I've tried on multiple computers, network connections, etc. I've also read hundreds of complaints online about the same issue. TransUnion is using shady tactics to prevent easy access to these functions. If you pay for their subscription service, the issue seems to be resolved. I refuse to pay for these services. 

I contacted XXXX opened a ticket onXX/XX/2024, nothing was done about my issue. They just redirect me to a customer service line who has no idea about the website issues. 

I can not manage my credit freeze or even request a credit report online. The website is unbeliveably broken and has been for years. 

I have contacted their live chat numerous times as well and they can't fix my issue.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Thank you for addressing some of the items in my file that resulted from alleged fraudulent activity. However, there are still items that need to be removed. According to FCRA section 605, you are required to remove any items listed in an Identity Theft Report. Enclosed is Identity Theft Report # XXXX. Under FCRA section 605B ( a ) ( 1 ) ( 2 ), you must remove any information in my file resulting from alleged fraudulent activity within 4 business days of receipt, provided that you receive ( 1 ) appropriate proof of my identity and ( 2 ) a copy of the identity theft report : XXXX  : XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -Equifax : XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date opened XXXX XX/XX/XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$4500.00}. Please note, you have XXXX business days to eliminate any items in my credit file resulting from alleged fraudulent activity. I do not consent to XXXX or any automated verification methods.
Consumer complaint received 2023-08-25
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: Experian Information Solutions Inc. (MD)

These unknown hard inquiries were placed on my credit reports : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MT)

I received your comments today regarding XXXX which was sent in XXXX to Equifax. However, in your email you stated last XXXX numbers which are XXXX. This may in error because this complaint the numbers you gave me to respond to are above ending in XXXX. For the record this debacle has been going on for too long with a Equifax name of XXXX XXXX. Whether this is a real person I don't know. Anyway, I have copied the last response to the XXXX XXXX XXXX on this subject. Hopefully Equifax will quit their harassing me and send me my report. If you can move this organization to be responsible, do it as I can't move them. 
Sent to XXXX  XX/XX/XXXX and waiting for response from Equifax : I reject XXXX response. For some reason XXXX XXXX seems to be behind the XXXX ball. On XX/XX/XXXX I mailed a registered letter with all information ( and more ) that Equifax keeps requesting ( through personal letters ) with their requests. A registered letter ( XX/XX/XXXX ) was sent to the address in the XXXX personal Equifax letters which they state the address to send the personal information to is : Equifax Information Services LLC, XXXX XXXX XXXX, XXXX, GA XXXX. Also, a copy of the registered letter was sent to XXXX  for their information. On XX/XX/XXXX the registered letter ( XXXX XXXX. XXXX ) was picked up by Equifax at XXXX XXXX. Also, The U.S. Postal Service has received electronic notification on XX/XX/XXXX at XXXX XXXX  that I have associated a return receipt to my item ( XXXX XXXX. XXXX ). The odd thing about XXXX response to XXXX  they listed another Equifax address for information to be sent to which is not the same as their initial requests, only the po box number and zip code are different ( same company and city ). I am sure Equifax personal are in the same building and its only a matter of getting off the XXXX and retrieving the information requested under the XXXX XXXX XXXX address. Anyway, for what it is worth all required identification ( they have requested ) has been sent to Equifax as stated in their many redundant letters. No other letters ( see all my complaint contents ) have personally come to me from XXXX stating to send this information to XXXX address at Equifax Information Services LLC., XXXX XXXX XXXX, XXXX XXXX GA XXXX. I have complied with their requests, sent registered letter with return receipt ( which the XXXX has verified received and return receipt completed ). Outside of complying with Equifax requests which I completed, what more do they want? XXXX needs to quit playing this harassment game and send me my free credit report.
Consumer complaint received 2024-07-31
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. (LA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-12
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)

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.

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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address andSSNCard.