davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (SC)

I have lost my wallet and someone use my debit card on their XXXX on XX/XX/XXXX and XXXX totaling XXXX. I have call chime bank to file a dispute 16 time and all has been deny. I have send them my police report and my XXXX  statement which clearly there was no transaction on my XXXX  for XX/XX/XXXX and XXXX but chime still deny it when I clearly have proof and evidence. Now chime wont even open a rubuttal for my case saying they need new documentation but I mean how when they dont even look at my documentation I send them. The documentation I send has all the proof. Chime bank just wont investigate and will just deny everyone claim and are so rude to their customers hanging up on me all the time. When I send in my documents even the dispute supervisor see my documents and say I am right I have proof that I did not made those transactions on my behalf but the dispute team still deny it 16 time. Chime wont bother helping their customer get their money back. This is ridiculous when I have proof n documentation. Chime need to be close down for not caring for their customers.
Consumer complaint received 2018-07-20
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 (FL)

Around two to three months ago unsure of the exact date. Me and my girlfriend were setting up a baby shower and we went through a party retailer to rent tables chairs etc. the retailer was asking a deposit of 50 % which was only refundable up until a certain day before the event. A family member was able to help us with chairs and tables hence we decided we wouldnt need their services so it being serveral days before the last day to refund we called and asked but they kept denying our refund saying it was too late even though we had not past the discussed date. So I went through my bank to try and charge back and get my XXXX $ back seeing how these people were attempting to take advantage of me. Then fast forward 2/3 months and my bank denied my charge back saying the merchant has the right. That they got a signature ( which is not even mine ) I never read any of the paper work or agreed. So now my bank has sided with them saying I have no right to a refund even through I requested one before the due date the merchant is saying we attempted to request it after and that is their reason for denying us our refund. The merchant wont do anything to help us and my bank wont either. The merchant never provided any service or product and are charging me XXXX . I feel like Im being cheated by my bank and the justice system. I work hard everyday and have a kid on the way these people literally left with no money in my account and are just trying to dust me under the rug.
Consumer complaint received 2024-01-14
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. (NY)

On two separate occasions, I sent proof of incorrect information to XXXX and requested that they remove/ update the incorrect information. The first time was approximately XX/XX/XXXX and the second on approximately XX/XX/XXXX. In both cases they did NOT update or even honor my request, even though by law, they must. Here is the reponse I received by them, via email, on XX/XX/XXXX and then again on XXXX XXXX XXXX  : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at XXXX  '' This is clearly an attempt to thwart my efforts and is not proper. Please let me know the legal remedies I have against XXXX 

Thank you, XXXX XXXX
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened my Checking account with Capital One in XXXX. It has had about {$200.00} in the account since XXXX  and no fees have been charged to the account. In XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I was charged {$8.00} fees on my account. I was never charged fees before or after this point. I called Capital One to ask them why these fees were charged and they said it was a maintenance charge because my balance was below {$300.00}. I asked them why these fees had never been charged before or since and the agent told me Capital One had the right to charge these fees and would not waive them. I would not have kept this account open if I new it was accruing fees- I have XXXX XXXX saved with Capital One in no fee accounts and I was never charged a fee on this account since I opened it until 5 years later.
Consumer complaint received 2023-12-20
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: Nelnet, Inc. (VA)

My loans were transferred to XXXX on 2/16/2023. However, my credit report on XXXX is displaying I have open accounts with both Nelnet and XXXX, doubling my debt to {$140000.00}. I've contacted Nelnet on numerous occasions and requested to speak with a supervisor with no resolution to the matter. They state since my loans transferred it is not on them. In this case, my credit report should show no open accounts with Nelnet whatsoever! All credit reports XXXX, XXXX, and XXXX should not reflect any Nelnet accounts and be removed expeditiously for that matter. Thank you.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: HireRight Solutions, Inc. (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2024-01-14
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. (FL)

TransUnion is the only credit consumer reporting agency that is reporting the ( XXXX XXXX ) account status as collections/ charge off ; however, according to the TransUnion online monitoring services report, I have no late payment and no collection therefore it's an inaccuracy. This violation of 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Delete the collections/ charge-off off account ( XXXX XXXX ) from the consumer report. Please see the attached supporting documents.
Consumer complaint received 2024-01-14
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. (FL)

TransUnion is the only credit consumer reporting agency that is reporting the ( XXXX XXXX XXXX ) account status as collections/ charge off ; however, according to TransUnion online monitoring services report, I have no late payment and no collection therefore it's an inaccuracy. This violation of 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Delete the collections/ charge-off off account XXXX XXXX XXXXfrom the consumer report. Please see the attached supporting documents.
Consumer complaint received 2024-01-13
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)

Friday XX/XX/2024 I entered XXXX XXXX to check email in reference to a credit report and found an email from company containing wrong credentials attached to family name in attempt to contact I of family surname. My initials were modified by the staff to include an unsaid name with communication. Also My credit report was modfied to include an unsaid name attached to family name of my said name where as I was given an said name of the XXXX XXXX XXXX and the company adjusted my tax credential. So the report is of the unsaid euro currency name and not of the dollar currency given name where my credit can not be adjusted. I am writing to update company from family name and said name for corporation to correct information and have opportunity participate in market of said given name of XXXX XXXX XXXX  with internal revenue service.
Consumer complaint received 2018-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (CT)

I've been attempting to link my debit card as a funding source to my Bluebird account, I'm receiving an error message stating to check the CID number ( security code ) and or billing address, which are both correct and match billing statement. Prior to this, a block or restriction was placed on account preventing the card from being linked. Supposedly, this block was removed as per a XXXX XXXX. It does not appear it was removed and customer service reps only offer varying reasons for error, none of which make sense. Reasons include ... .. I need a dollar on my account as a one time transaction or processing fee, that part of the system is down for maintenance, my bank does not allow my card to be added which it was prior under a different card number. Previously, card ending in XXXX was in fact on file as a funding source, the card was removed as it was reported lost/stolen. I am attempting to add card ending in XXXX, it is saying I need to verify billing and or CID number which both match ... It appears there is still a block preventing me from linking any card as a funding source
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

My husband and I paid our credit card balance of over {$11000.00} in full on XX/XX/2021. We asked the representative for the full pay off to include any interest. She made a mistake and did not add the interest. When we received the XXXX bill it reflected a balance of about {$25.00}. I called in and the representative apologized for the error and stated he would waive it as a courtesy for being a 15 year patron and just paying off a large sum. However, I did not waive it and instead it was reported to my credit file as a 30 day late payment. I called back immediately upon discovering this and they said there was nothing they could do it is automatically reported by computer software. I filed a dispute with them and with the 3 credit bureaus and those disputes came back unresolved. The information is not correct and I want it corrected. I am a 15 year customer that has never had a late payment, ever.
Consumer complaint received 2020-07-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (LA)

I was out of work for several months and went mont a few weeks ago. I was given a forebearance but it would all have to be due in 3 mos. I took the last of the money I had and borrowed the rest to make my last month payment because I dont want to lose my home but knew that I would not be able to pay 3 mos all together. My XXXX payment is due and Im still offered the same arrangement. I dont see how thats helping. I asked for the ombudsman contact info but it wasnt given to me. I was referred to the manager whos handling my forebearance. I dont need to talk to him because the answer will still be the same. I am back working but Im behind on everything needless to say.
Consumer complaint received 2018-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP (WA)

I received a letter from Key Bank saying that my account will be closed because my account relationship poses excessive risk to the bank. I called them and asked what this letter means by my relationship posing excessive risk to the bank. The customer rep read off the exact same letter I received and said that's why. I was calling to get more explanation in regard to excessive risk of my relationship to the bank and they did not tell me more than what the letter says. I requested to speak to his supervisor to get more information because he was not being helpful for reading off the letter. The rep told me that he was the highest level I could speak to and get information about this letter. I strongly believe that Key Bank needs to tell me why my account will be closed and provide a thorough explanation. They can not treat customers however they want and they need to abide by certain rules and regulations. I don't know if they discriminate me or under what ground they decide to close my account. However, I deserve an explanation than just accepting the fact they arbitrarily closes my account.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Account XXXX has been charged off as of XX/XX/2020 and a balance of {$3200.00} remains showing on my credit reports with all 3 bureaus specifically XXXX, Equifax and XXXX. It is my understanding when a creditor writes off a debt that no further payments are due. The balance should be set to XXXX on credit reference agency reports.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Morning of Thursday, XX/XX/2024 I entered web domain XXXX, entered family surname credentials access number, and entered the web portal containing profile information for checking account to notice a name error attached to family surname that is incorrect.I am writing to correct name error attached to family name on checking account. The initials displayed are incorrect! The intials displayed are XXXX. where as my family gave me intials XXXX for banking credit purposes, such as acquiring a fire-arm and the full name is hidden which would be a denial of a fire-arm. I own a XXXX XXXX XXXX XXXX XXXX XXXXXXXX that is attached to propper initials as a XXXX XXXX XXXX This complaint is for a more clear solution to an issue addressed without a response as of this morning.
Consumer complaint received 2024-03-25
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: Easy Finance, LLC (TX)

on XX/XX/2024 I received a hard inquiry on my XXXX credit report that I did not authorize. From a lender called STEPSTONE CREDIT their phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried contacting them multiple times to report the issue but never received a response.
Consumer complaint received 2024-01-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: OneMain Finance Corporation (OH)

I purchased a car from a local dealership XXXX of XXXX XXXX who the owner is in XXXX right now and I got the loan through a company through the dealership called OneMain... the dealership has since went out of business and one main doesn't possess the title ... that's who I've been paying... the name of the dealership is XXXX XXXX XXXX XXXX very shady business I believe they done this to about 30 people ... they sold people trucks and cars that had liens on them. I currently have a complaint number with the attorney general they are taking their steps but the loan company one main is acting extremely shady they told me not to make a loan payment and sent me a letter saying that they would not report on my credit report but nothing about not making a payment ..so I continued making payments XXXX have not missed a payment but I was told there was a repossession out for the truck I have ... not from one main but from the company who owns the truck who I looked up on the XXXX XXXX ... its a company called XXXX XXXX XXXX XXXX ..they 've been doing fraudulent business with XXXX and doing this to people for the past year it's very ugly ..what I would like to do is have the loan company since they can not get the title wash my loan I've already invested over XXXX to XXXX into the truck and into my trade-in for the truck I lost my car this whole process has dropped my credit score from a XXXX down to a XXXX this is absolutely ridiculous I need some help please can you reach out to one main can you send them a letter telling them they need to stop my loan payment and send me the proper paperwork stating this and report to the credit report bureau I'm waiting to hear back
Consumer complaint received 2021-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

I have been dealing with this erroneous item for the last 6 months. I feel like Im on a hamster wheel going around in circles. This item does not belong to me, I have asked for it to be verified and validated and as of today over 6 months later there has been no answer. I demand per 15 usc 1692 all reported items must be proven accurate. This is a violation of my rights.
Consumer complaint received 2023-10-24
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. (ID)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX XXXX BANK Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (HI)

XXXX  has the following information on my credit report and it is not correct : States I am know as XXXX have never spelled my name this way Shows an address of XXXX XXXX XXXX XXXX TX XXXX have never lived in TX Shows a collection account from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

Shows an inquiry from XXXX. I did not authorize this.
Consumer complaint received 2023-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

I have a checking account at Ally online bank. 
The ally account was connected to my XXXX  account. 
My XXXX  account was hacked and someone sent money to the scammer, using the connected bank ( ALLY ), on my XXXX. Two transactions. 
Ally reversed the first transaction, but they refused to reverse second transaction for some reason. 
No reasonable explanation/reason was provided. 

Reversed TX : XX/XX/2023 XXXX XXXX XXXX {$49.00} But this one was not reversed Reverse-Rejected TX : XX/XX/2023 XXXX XXXX Future Amount : XXXX ~ Tran : XXXX {$99.00}
Consumer complaint received 2023-09-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Omni Financial Corp. (NC)

I made a report with you on XX/XX/2023, in which the bank replied saying that they were going to withdraw the account from the credit bureaus. Today I am taking a letter from a law firm trying to collect the same debt. What should I do in this case, should I take them to court for harassment? Thank you very much in advance. 

Complaint ID XXXX