davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 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 : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Chime Financial Inc (HI)

Hi. I have chime bank and I deposited my XXXXXXXX XXXX  on the XXXX XXXX. My funds have not been posted to my account. This was on the XXXX of XXXX. They escalated my issues to the back office and said I would receive communication within XXXX hours. I have not. I have to reach out to them to inquire where my money is. I have provided a receipt for proof of deposit of funds and my money is not being held due to verification because I have provided that information. They have not provided me a legal explanation as to why they are holding my Money. On the phone they told me that they do not have a grievance department that I can speak too. Ive spoken to XXXX supervisors and all they tell me is that they have escalated it to the back office for review. I keep getting turned around in circles. This is illegal!
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (AZ)

I was approved for student loan forgiveness. I already recieved information regarding the deletion. The loan still shows open and owing and I was advised in XXXX  it would take between 6/9months to be closed and deleted. Its now 3years later.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am formally disputing and requesting the prompt removal of fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in XXXX XXXX XXXX and also filed a Police Report on my local police department. Additionally, I have reached out to the bank associated with the fraudulent account. The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which has been mistakenly existing on my report for over XXXX years. But somehow, this fraudulent account is still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. Equifax and XXXX credit bureaus no longer reporting this fraudulent account since the submission of the required documents. 

XXXX XXXXXXXX
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America closed an account for me on XX/XX/2018, after a claim I made for two charge backs that they made to my account. I recently found out when I asked XXXX for a report, that apart from closing my account, they reported me as a closed account with an unpaid balance and possible fraud. It seems to me an unfair measure, since at the time, I provided them with all the necessary information so that they could verify that I had been the victim of a scam on a website called XXXX. Said bad information contained in my report, does not allow me to open accounts in the main US banks for having that wrong information in my report.
Consumer complaint received 2024-04-30
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. (PA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-12-29
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: AMERICAN HONDA FINANCE CORP (CA)

Hi, I am a natural living person and a consumer as protected. I went into the Honda dealership in XXXX, CA off XXXX XXXX XXXX to pay for a XXXX XXXX XXXX which is currently on a stop due to a recall. I received the agreement and raised a few questions. I also asked to write or make an addendum or instruction/endorsement. I was told I was not allowed to write on the agreement. I asked if I was not allowed to write on the document then what about my signature or my endorsement. They said I could write that but was not allowed to do so. I pointed out that the agreement, the promissary note did not state it was non-negotiable, but in fact negotiable, and it could be amended and changed in writing. They said I was only allowed to write my signature and then it was non-negotiable. They then pressed me for what I wanted to write and include and provided a copy of what I had intended to write. Then they interrogated me on the meaning and denied that I could include it with the note/agreement or write anything on or on the back of the contract besides my signature. I kindly asked if I could write as it would be a negotiation with the bank, who it would be delivered to for processing. The addendum would have to be approved by them, to my knowledge, to be binding so to my knowledge this would not cause any harm to any party involved. But to my knowledge, the dealers and sales team did not know about any of this nor the UCC, and Im unsure if they can be acting as a representative of the bank, cause the negotiations, the addition I wanted to make, would only be approvable or signed by someone at the bank. 

Getting nowhere I left, I was called crazy and told to come back to 2024 as I left. I have no animosity towards the person who said and did these things. He told me he did not understand and he was incapacitated as an agent / rep at that time.
Consumer complaint received 2024-07-22
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings (GA)

I have been getting harassment calls regarding this debt and I never had a contract with this debt collector for any debt. I asked them to Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account and I havent received anything from them and when I call I get a rude rep who isnt willing to help me resolve the issue.
Consumer complaint received 2024-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (KS)

XX/XX/year> money was taken from account. Was not me or a family member that did it my location and device said I was in XXXX I was not nor do I have an XXXXXXXX XXXX and I never will. 
It has happened several times since then but my account was in suspension so I couldn't even see it do anything with chime at that time when my account was reinstated there was no money. Not only that but my ssi was taken and I was given trace numbers to locate the checks and it says come bad the money.
Consumer complaint received 2023-09-07
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. (CT)

i have already disputed these items with the bureaus but they did not remove them nor prove validation. 

under sec. 602 i have a right to privacy XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX,
Consumer complaint received 2024-07-22
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 (OH)

Since XX/XX/year>, I've been preyed upon, intimidated, harassed, bullied & coerced into believing that I can't get out of this so-called contract with XXXX with XXXX. I've on multiple occasions expressed disinterest in wanting to continue to pursue this so-called opportunity/position. As of XX/XX/year>, there is also a loan for {$2500.00} through Affirm that is connected to this situation that Affirm XXXX XXXX has told me I pretty much can't get out of because of the contract that I signed with Scaling with Sales. I did not have a full grasp of what they wanted of me until I got access to their " training videos. '' I don't agree with their predatory tactics and would not feel right about doing that to try to trap others like myself into a similar situation with the company. I started a dispute through Affirm. When that happened, someone from Scaling with Sales customer service called me and convinced me to cancel my dispute citing that I willingly signed a contract and I could get transferred to the department that lines up with what I applied for after I make 10 " qualified appointments, '' but couldn't be considered for such a move with a dispute against the company. My dire home/financial situation was also brought up thus manipulating my emotional reasons for trying to get a good job. I was left feeling like I was stuck so I might as well try the job despite my reservations about the work and the nature of the work. On multiple occasions I expressed that I did not want to do the job and I wanted to have my loan canceled via messages and email. While not exactly being sure who to reach out to, rather than start the predatory work they wanted me to do, I started to look into the company and found that I'm not the only person to fall prey to the company and Affirm's/Copecart 's unwillingness to help victims out of scam type of situations with the company. Steps were listed with organizations to reach out to and file the necessary complaints with to get help to have my predatory loan canceled. This is the start to me taking those steps. 

www.scalingwithsetters.io/program is their website that shows their " program. ''
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (MO)

I opened a Credit Karma Money Spend Account, where {$4000.00} in funds were stolen out my account using a debit card that i never recieved in the mail. I called the support daily looking for ways to protect my account but recieved no help. 

XX/XX/XXXX : {$1500.00} XXXX XXXX XX/XX/XXXX : {$2300.00} XXXX i have proof this was not me. 
please help i had a card shipped in the mail it was never recieved i lost access to my account and by the time i reached the customer service my money was gone i called everyday even at time with support from Credit Karma saying unfortunately it was nothing they can do to help me and hanging up.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

The address on file XXXX XXXX XXXX XXXX XXXX, DE XXXX is not my address and I would like to get it removed from my account immediately. 

XXXX XXXX XXXX $ XXXX 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 XXXX business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I applied for financing for a window replacement with XXXX XXXX XXXX on XX/XX/2024. I was informed that a Soft Inquiry would be ran. Afterwards I received notification that a Hard Check was run ( not a Soft Check as was stated by the representative ). Additionally I went through all documentation provided and there is not one place that states ANY credit check would be ran. I want the Hard Inquiry removed from my credit report and no one at the company can explain why I was given incorrect information or provide me with any documentation showing they were running a hard check. This is a fraudulent practice as they had no right to run that report without my express knowledge and agreement.
Consumer complaint received 2024-05-02
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. (LA)

To Whom It May Concern : I am writing to inform you that I have been a victim of identity theft and therefore I am challenging the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( 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.

I am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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. (FL)

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Consumer complaint received 2024-05-02
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)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-05-02
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. (LA)

I just checked and reviewed again my TransUnion, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (DE)

Paypal supports scammers. 

XX/XX/XXXX. I purchased the XXXX XXXX from XXXX XX/XX/XXXX I received it. 

XX/XX/XXXX ( XXXX  ) I opened it to assemble it. 
I found one huge hole on the panel, peeling on the side, crack on the side. I contacted the seller right away. At the same time I filed a dispute with paypal. 

XX/XX/XXXX XXXX responded to me advising me to dispose the damaged item, however since there is a dispute they can not issue a refund until the dispute is closed. 

I forwarded all information to paypal. XXXX responded to my dispute saying I did not return the item therefore they were not able to refund me. How convenient! They advised me to dispose the item! 
At first I disputed it under Item not As Described. However a representative changed it to credit not received since XXXX did mention they wanted to refund me but they could not because of the dispute. 
XX/XX/XXXX, paypal closed the case in XXXX 's favor because I could not submit proof where XXXX said they would refund me. 

Paypal you are aiding scammers. Shame on you.
Consumer complaint received 2024-08-05
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. (AR)

I am not liable for this debt of {$29000.00} with XXXX XXXX XXXX IN Account Number : XXXX ; I do not have a contract with them and did not receive FUNDING, They did not provide me with the original contract as I requested with my wet signature and ID verification. Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit. Also the company is updating the balance of my account every few days which is against the law according to 15 U.S. Code 1692 ( a ) ( b ). I will attach screen shots of the info as well. This is my 2nd attempt to get this matter off of my credit report it is affecting my life and putting me in jeopardy of living a fair life. The recent update to the balance has dropped my credit score down XXXX points and I am ready to file a report with the Federal Trade Commission for illegal practices of my credit. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT PROFILES IMMEDIATELY.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My XXXX XXXX account # XXXX was charged off and sold to a collection agency. XXXX XXXX is still reporting this account to my credit report. XXXX XXXX no longer owns the account since it has been sold to a credit collection agency.
Consumer complaint received 2023-05-29
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.