davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MN)

I had made XXXX separate purchases with XXXX XX/XX/year>. XXXX was for {$69.00} and another one for {$62.00}. I had requested a refund with XXXX on XX/XX/XXXX for {$69.00} due to item not arriving. I also canceled an order with them for {$62.00} for my product not arriving on time. XXXX gave me my refund of {$69.00} but I had to filed a dispute through chime for the {$62.00} because XXXX denied taking the funds which clearly my account shows they did. Chime approved my dispute but refuses to give me my money stating that I already received a refund of {$69.00}. Which isnt even the same amount of my dispute. They refuse to email or mail me any documents or updates. I get told the same thing that they will escalate this ticket and nothing is being done.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In pursuant to 15 USC 1681 a2 The credit reporting agencies have not been fair to me in their duties and have violated my consumer rights. I am stating I did not give any written consent/permission to have any information furnished on my consumer report 15 USC 1681b .

They have assumed this vital role and have infringed upon my right to privacy, In Pursuant to 15 USC 1681 ( 4 ). This has been a total invasion of privacy and damages have been done, resulting in severe harm and discrimination.
Consumer complaint received 2023-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

Received a call from this number XXXX. The person on the voice-mail message stated that she was calling from an Attorney 's office XXXX XXXX XXXX and that it is in reference to a debt that they plan to garnish my wages for the debt. I returned the call and XXXX XXXX answered the call verifying the last four of my social, DOB and name. She stated I incurred a debt from Bank of Nevada HSBC Bank in the amount of XXXX, in XXXX. I stated that this was impossible that I never had a credit card with any balance over XXXX. She could not verify the address of the company, her company or the details of the account, is the account number discharge date or even why this debt hadn't been reported to the credit bureau. Once I address this and asked that she send me the details about this debt to my po box she hung up the phone. Immediately after I called back the number and was sent directly to the voice mail.
Consumer complaint received 2024-07-01
Product: Credit 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: FIFTH THIRD FINANCIAL CORPORATION (OH)

5/3 bank I reported fraudulent activity on my card & the customer service rep failed to report it or just simply didn't believe my claims when I had proof of my whereabouts at the time.
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: EQUIFAX, INC. (NV)

In light of these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with detailed information pertaining to the alleged accounts, including any associated transactions, applications, or account activities. It is crucial that I review this information in order to assist in the investigation and help identify any fraudulent activity that may have taken place. 
Furthermore, I kindly request that you suspend all activity and remove the related alleged accounts immediately, including any associated fees, charges, or penalties. 
I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. 
I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your instution and am confident that you will handle this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response and a resolution to this concerning issue. 

XXXX XXXX XXXX XXXX inquiry date : XX/XX/2023 XXXX inquiry date : XX/XX/2023 XXXX inquiry date : XX/XX/2023 XXXX XXXX inquiry date : XX/XX/2023 XXXX XXXX inquiry date : XX/XX/2023 XXXX inquiry date : XX/XX/2023 2023
Consumer complaint received 2023-08-08
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX which is impacting my ability to XXXX, causing problems at my job & creating XXXX XXXX in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-27
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: LEXISNEXIS (MD)

I contacted the XXXX ( XXXX ) major credit bureaus ( XXXX, XXXX, and XXXX ) to dispute two ( 2 ) entries regarding a Bankruptcy. The courts stated they do not report to any of the credit bureaus. The credit bureaus stated the entries were verified by LexisNexis. I requested the entries be removed and was directed to LexisNexis. I contacted LexisNexis seeking deletion from all XXXX ( XXXX ) credit reports. LexisNexis refused explain the process they used to verify the bankruptcy entries.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to address some concerns pertaining to my private information and its sharing by consumer reporting agencies, specifically XXXX, XXXX, and XXXX. As a consumer, it is essential that my rights are upheld as stated under the Fair Credit Reporting Act 15 USC 1681 section 602 a. This act emphasizes the need for fairness, impartiality, and respect for the consumer 's right to privacy.

Furthermore, according to 15 USC 6801, it is the policy of Congress that financial institutions have an obligation to respect customer privacy and safeguard their nonpublic personal information. As a financial institution defined under this provision, ( Furnisher of information to credit agencies ) must adhere to these principles.

Under 15 USC 1681 section 604 a section 2, consumer reporting agencies are only permitted to furnish consumer reports based on the written instructions of the respective consumer. I have neither provided consent to ( Furnisher of information to credit agencies ) nor XXXX, XXXX, and XXXX to share my information. Any previous consent, whether explicit or implicit, is hereby revoked. 

Moreover, according to 15 USC 6802b c, a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties without informing the consumer of their nondisclosure options. I was never given the opportunity to exercise this right. 

I would also like to draw attention to the fact that 15 USC 1681C a 5 prohibits consumer reporting agencies from including certain adverse items of information in consumer reports, specifically those that antedate the report by more than seven years. It is evident that an adverse item is being reported without my permission, which constitutes a violation of the law.

Additionally, 15 USC 1681s 2 a 1 a states that it is unlawful to furnish inaccurate information to consumer reporting agencies. XXXX, XXXX, and XXXX must ensure the accuracy of the information they provide. 

According to 15 USC 1681e, consumer reporting agencies are required to establish reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to specific purposes outlined in section 1681b. It is clear that XXXX, XXXX, and XXXX are not meeting these expectations. 

Lastly, in accordance with 12 CFR 1016.7, I hereby exercise my right to opt out of the reporting services of all three companies ( XXXX, XXXX, and XXXX ). 

I hope that these issues are addressed promptly and that my rights as a consumer are fully recognized and protected. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: GVA Holdings, LLC (NV)

I filed a pervious complaint against this company for their predatory practices. I set up an additional payment to be taken from my account on XX/XX/year> and my regular payment to be taken out on XX/XX/year> my account is and has always been set up on autopay and the company normally takes payments out on those set dates. My payment were not taken and tet my account was marked as past due. I have never had a delinquent account with this company, I reached out to them because my online pay option was also blocked. The online chat representative said it was because I filed a complaint against them. Now my account looks delinquent when I did my due diligence and set my my payments before the due date. It seems as if this company is trying to punish me for filing a complaint against their predatory practices further proving that their practices are not on the up and up. Best advice I can give is do not borrow from this company ever!
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (DE)

XX/XX/year> - Representative with Wells Fargo fraud department called in stating that there was a XXXX XXXX being sent to another state for over {$1000.00} and if I approved this transaction which I denied. Representative stated they would send me a code to my phone number on file which I provided the code to confirm my identity attached to the account. The rep stated there was another transaction during the phone call with XXXX and they would dispute the charge because it occurred during the phone call and confirmed it wasnt me. Simultaneously I called through my XXXX phone with Wells Fargo and they confirmed that the first rep is in fact the Wells Fargo number. 

XX/XX/year> - XXXX the supervisor of the fraud department would be handling my case due to seeing how long I was on the phone through the call log report they run the previous night. While on the phone with XXXX Account Takeover called me and left a message. Once finished with XXXX I called Account Takeover back which the rep advised to create new account numbers and a claim to dispute the full point of sale transaction amount {$14000.00} towards XXXX XXXX and XXXX XXXX XXXX. 

XX/XX/year> - received letter in the mail stating information is needed for the claim, which I called in and they stated the claim was refused due to me locking my card for transactions, the representative unlocking it again and also upping my limit the previous days which I denied approving any of that activity.
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc. (TX)

I have sold my home. Account # XXXX for XXXX XXXX XXXX XXXX, XXXX, Texas, XXXX. I have tried to contact Mr. Cooper to give them my new address and get my escrow funds forwarded to me. I have tried reaching them through multiple departments. The automated attendant won't let me through. I have tried having other people do it. The automated attendant will not let them through either. If I lie and get to a different department, they turn me back over to the automated attendant, which, again, will NOT let me through because it doesn't like any of my answers to any of the questions. If I tell it it is something else, it starts over instead of passing me on. I can not effectively express how thankful I am that I will never be purchasing another home with a loan again, so I will NEVER have to deal with Mr. Cooper again after I complete this transaction.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In the beginning of the month of XX/XX/2022 I paid off my student loan in full ( DPT EDXXXX XXXX XXXX ( XXXX  ) acct # XXXX ). I contacted Transunion in XXXX notifying them that the loan was closed and paid in full and should be reflecting a XXXX balance, this was along with other issues on my report as well. I followed up in XXXX by mail ( tracking # XXXX ). They have yet to correct the issue and will not disclose what method they are using to verify and their method of investigation. The continue to reply with information is correct and has been verified, even though the information is incorrect.
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was sent an active credit card ( XXXX XXXX XXXX XXXX ) from Bank of America in the mail that I did not apply for or approve. 

I called bank of America to report the fraud and ask why the card was opened. They did close the account but gave no explanation of why it was opened in the first place.
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (TX)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX : XXXX Delete this account. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-06-07
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: EQUIFAX, INC. (AR)

I am writing to express my continued frustration and concern regarding the presence of late open accounts and late closed on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open and new late closed accounts persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of these inaccuracies. I kindly request that your agency conducts a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my payment history. Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of these inaccuracies. The following late open should be corrected and remove the late closed accounts as soon as possible : DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$640.00}.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-07-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP (LA)

I owe this company money and I have been in communication with them but now it is like I am being dodged. I was sued in the middle of the pandemic after almost XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and almost XXXX XXXX  XXXX. I was in contact with them to make payments when i was finally able to pay something. Not only have the given me the run around when talking to them nobody takes notes of our conversations as if i havent talked to them. I do not work a regular job XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I am trying to make things right with payments but nobody is returning my calls. The economy is horrible and its hard just to feed ur kids and im struggle with my XXXX and all im asking is to come up with something. Ive never ran from this debt but i also cant pay u money i do not have. Its sad i had to come here in order to get a resolution. XXXX or XXXX at their lawyers office never put in notes after i spoke with them about making payments. I couldnt make much payments because i was being garnish for a debt that wasnt mine and also my car was being repaired and the mechanic ripped me off as well.