davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MS)

This Is XXXX XXXX I had a CHIME account Chime close my account on XXXX XXXX I called them XXXX XXXX they sent me a closure check that I couldnt cash I went to XXXX, XXXXr & XXXXXXXX XXXX  etc. Too trying to cash it but I couldnt do it Then I called chime letting them know I couldnt cash the check so the XXXX  XXXX told me to sent the check back to them in a email address was ( chime XXXX XXXX ) I did so from my email ( XXXX XXXX XXXX ) thats when she told me my check a be here XXXX XXXX I still havent received anything yet.. Then I called them on why my account been close cause chime havent sent me any notifications dealing with closing my account I had {$3900.00} in my account when chime close my account chime told me they was sending me a closure check within 30 days cause thats they terms of processing my check chime gave me this ID number XXXX about my money so I called back XX/XX/year> they told me to wait 3-5 business days so I waited then I called back XXXX XXXX thats when chime stated that my check a be too me XXXX XXXX chime gave me these numbers again XXXX told me my check a be here and 7-10 days numbers again XXXX I been waiting just waiting my lights got cut off dealing with chime, I Called Doing all of XXXX chime hang up the phone in my face 3x getting attitudes with me cause Im calling about my money! I called chime today XXXX XXXX they told me I got ta wait 30days and then I snapped cause Im mad Im going through a lot cause they still holding my money in lying too me I called chime a hour later they told me it was gon na be 14 days chime gave me numbers again XXXX XXXX have talk with XXXX, XXXX, XXXX, XXXX and XXXX I just need help getting my money! I wan na go through all the steps Chime number I been calling was XXXX they not helping me they giving me runaround about my money. XXXX XXXX XXXX is my number or this number XXXX
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (MA)

I filed the same complain again, as XXXX XXXX XXXX is not resolving the issue, i.e. to credit my earned XXXX XXXX miles to my XXXX XXXX number XXXX, which number are shown on my XXXX XXXX XXXX monthly statements since XXXX, XXXX! 

The number XXXX that XXXX XXXX XXXX linked to in XXXX was NOT my XXXX XXXX number! I had the XXXX XXXX XXXX XXXX corrected it and linked my XXXX XXXX XXXX to the my correct XXXX XXXX number XXXX. As XXXX XXXX XXXX corrected their mistake on incorrect XXXX Member number, the company should correct their mistake and to credit my earned XXXX XXXX miles to my XXXX Member number XXXX.
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (AZ)

I'm unaware of this debt, I didn't have opportunity to dispute this debt information. If in fact you believe I received property notification then please send me a certified receipt with my signature on it stating that I received it. If you can't provide that I ask that you remove this debt off my report immediately, if you don't you are violating my federal rights.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 and it also states consumer recording agency can not furnish account without my written instructions Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$120.00}
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Central Portfolio Control Inc. (TN)

I was charged for a new lease at my former apartment after I had already moved out I was also charged for a portion of my old lease and for the removal of furniture after I moved out. 

This was during the XXXX Pandemic and I was enrolled in a state funded relief for renters insurance my state, XXXX XXXX XXXX XXXX XXXX ) XXXX HOPE foundation. Which paid for the entirety of my lease. After which I left the apartment in good condition and returned my keys to the management company. However, a year after I left was when a collections account was opened on my credit report with the most ridiculous accusations. 

They alleged I signed another lease which I didn't because I was out of state at the time and they also said I owed rent from my previous lease which was paid by the state, the state even gave me proof of the payments made to the apartment. And the said they removed furniture from my apartment which just isn't true and even if it was they took my security deposit. 

I have tried to dispute through the various credit bureaus to no avail because I haven't been able to upload my supporting documents. 

Please help me with this situation.
Consumer complaint received 2024-07-22
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AZ)

In XXXX of XXXX received a scholarship award from my XXXX  school the XXXX XXXX XXXX XXXX in the amount of {$25000.00} to be disbursed in three parts ( {$8300.00} ) over the period of three years. My XXXX  school paid the first two parts with no problem in XXXX of XXXX and XXXX. However, my XXXX  school then wrote a check for the third and final disbursement of {$8300.00} on XX/XX/XXXX and it has yet to be credited to my account after almost a year. MOHELA cashed the check, but never credited the money toward my loans. I have been on the phone with MOHELA for XXXX hours in order to resolve this issue and nothing has been done. After speaking with a supervisor from MOHELA the issue appeared to be based on the fact that my XXXX  school ( XXXX XXXX XXXX XXXX XXXX ) did not put my account number on the check. I rectified this issue almost right away ( in XXXX of XXXX ) by faxing over a document to MOHELA which contained the correct account number. I have also contacted my XXXX  school numerous times and they have been of no help. They stated since the check has been cashed, there is nothing they can do. I have scheduled times to speak with a supervisor over at MOHELA and while they have escalated the issue nothing happened. Furthermore, as of XXXX of XXXX MOHELA is no longer my loan service provider and now XXXX has taken over. So now why I attempt to call MOHELA, they will not help me any further since I no longer have an account with them.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2023-02-17
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. (SC)

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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account NumberXXXX  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 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to file a complaint regarding several fraudulent accounts on my credit report due to identity theft. Despite my attempts to resolve this directly with the credit bureaus, the accounts remain on my report. 

These accounts were not opened by me and are a result of identity theft. Attached to this complaint are copies of my FTC Identity Theft Report and the Police Report substantiating my claim. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to block information that is the result of identity theft from my credit report. The presence of these fraudulent accounts negatively impacts my creditworthiness. 

Please investigate this matter promptly and remove the fraudulent accounts
Consumer complaint received 2023-03-22
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: Nationwide Recovery Systems, Ltd (FL)

I got an another medical bill from collection agency, but the same amount ( {$1000.00} ) is in my credit report ( before collection agency company was Nationwide recovery system XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. Tel XXXX activity XXXX XXXX XXXX XXXX  ). Today collection agency company is XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MN XXXX tel XXXX activity XXXX XXXX XXXX ( collections ), the original bill was charged on XX/XX/2017 for medical service, but this bill wasnt mine, it was someone name on it.
Consumer complaint received 2024-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (TN)

I have been trying to get my money from Cash App since XX/XX/year>. I had just gotten a prepaid phone and a new email like that month, gotten money transferred from a friend to my phone, then lost the phone. Because I do not remember the number or the email, Cash App has never helped me to retrieve my money, however they clearly know who I am as they are sending snail mail to me about the balance being transferred to the state recently, which reminded me to try again. I feel I have been robbed for the last 4 years and this should not be allowed any more than a bank should be able to say, well you forgot your account number so we will just not give you access and keep your money. Dealing with their customer service is like XXXX XXXX : I have been hung up on, accused of being rude when I wasn't and continually told that my problem was resolved although it was not resolved whatsoever because they are still holding on to my money. I guess eventually I will get the funds from the state but what a hassle!!! Pretty sure they do this on purpose as a way to keep money from people.
Consumer complaint received 2023-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX XXXX : {$2000.00}
Consumer complaint received 2024-07-22
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NY)

On or around XX/XX/2024, I submitted to Bluebird American Express a transaction dispute for services not received. On XX/XX/2024, Bluebird sent me an email requesting additional information in writing and provided me with a form. I filled out the form, as well as, wrote XXXX more pages of additional information and had it professionally faxed to them on XX/XX/2024. Because I heard nothing from them after my submittal, I phoned them to check on the status of my dispute. They were not able to provide me with any other information explaining that their back office was handling the matter. I asked about provisional credit and they told me that I would have to wait XXXX  days. They told me to call them again on XX/XX/XXXX to inquire on the provisional credit. I called them today XX/XX/XXXX and they gave me the runaround around with different invalid excuses as to why I was not approved for provisional credit. One of those reasons was that I had to provide them with a written response and that I did not. I stated that I have proof I did. I then asked for a supervisor. The supervisor confirmed receipt of my dispute but then said there's probably another reason why I was not approved for provisional credit. The supervisor could not give me and reason why and told me I must wait a full XXXX  days. Bluebird American Express is not following the law regarding provisional credit. I also received no notification that I was either approved or denied provisional credit. They are not following the law.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. A dispute was sent in XX/XX/ and they to do a proper investigation or acknowledge my dispute. More so they didn't follow the proper XXXX  step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

I have on multiple occasions ( starting in XX/XX/year> ) requested a refund of my {$5000.00} in payments made to Fed Loan Servicing ( myfedloan.org ) during the XXXX forbearance period to my current servicer, MOHELA. I kept being told " It is in process and wait another 90 days '' or similar each time I submitted the request to either studentaid.gov or MOHELA. Recently, MOHELA responded with a different answer of " Dear XXXX XXXX, Thank you for contacting MOHELA. This letter is in response to the secure email request, regarding the federally owned student loan currently serviced by MOHELA, a federal servicer for the XXXX Department of Education ( XXXX ), XXXX XXXX XXXX XXXX XXXX ( FSA ). You XXXX contact the XXXX XXXX XXXX ( XXXX ) at XXXX or through XXXX. Regarding your request, our records indicate that no further refunds are due. We have researched the prior servicer payment history that we received, and have determined that the large payments that were made to your account during the XXXX pause had paid off loans, and can not be refunded. If you have other questions or concerns, please contact us at the number listed below. ''
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

Multiple illegal wire transfers were initiated in my checking account that I didn't authorize or perform. When the first illegal wire transfer was tried, Wells Fargo stopped it and I was notified by e-mail from Wells Fargo. I immediately called the number to report this. A couple of hours later, the same person tried to do two other illegal wire transfers and Wells Fargo allowed them to go through. I called multiple Wells Fargo numbers and talked to at least eight different people. I received a letter from their fraud department that they determined I initiated these illegal wire transfers and that is not the case. The illegal wire transfers began around XXXX XXXX  on XX/XX/2023. The illegal wire transfer that were allowed to go through happened around XXXX XXXX  on the same date. The amounts of these illegal wire transfers were {$1400.00} and {$990.00}.
Consumer complaint received 2024-04-13
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. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-06-14
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: Credence Resource Management, LLC (CA)

My phone which was on payment plan with XXXX XXXX XXXX was damaged. I had been paying for a protection plan for the phone and submit a claim with their insurer. The insurer delivered a new phone and a pre-posted return box. I returned the broken phone. I then cancelled my service with XXXX XXXX XXXX in good standing, paid off the remaining balance on the new phone and ported out my number to XXXX XXXX Three months later, XXXX XXXX XXXX charged my credit card a " non-return fee '' according to their insurance policy. I checked the USPS tracking number and verified that the phone was returned, delivered, and signed for by their returns department. I contacted XXXX XXXX XXXX about this, but they informed me that since I ported out my number they could not locate my account. I disputed the charge with XXXX XXXX, provided all the documentation including showing that my account was paid in full and that the broken phone was returned. XXXX XXXX XXXX rejected the dispute, so I reopened the dispute with XXXX XXXXXXXX. XXXX & XXXX failed to provide proof that the charge was valid, so the charge back and credit to my account stayed. XXXX XXXX XXXX then hired a series of collections companies to attempt to make me pay for the fraudulent charge. Credence Resource Management put a derogatory collections account on my XXXX and XXXX credit reports. I started a dispute with XXXX and provided them with all the evidence proving that the charge was fraudulent and invalod. The outcome of the dispute with XXXX was that Credence Resource Management maintains that the account is past due. They did not offer any contrary evidence supporting the validity of the charge and did not perform an adequate job of investigating and correctly reporting my accounts. This negatively impacts my credit score and obtain credit and financing on favorable terms. The impact to my credit report was going from a score of approximately XXXX down to XXXX.