davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AZ)

On XX/XX/XXXX I bought a XXXX card for XXXX. XXXX sent a picture of the delivery made to an open parking lot and provided a message that the item was left in a secured mail room as per usual. After contacting XXXX I was told it was their mistake and I should be refunded. 

I then bought a XXXX XXXX card thinking I would be refunded soon. When it came time to refund me, XXXX requested a police report. After providing a police report, I was still denied a refund. I was told to wait XXXX XXXX. I informed them I would be moving forward with a chargeback from my bank. I still called after XXXX XXXX and told them if they refunded me I would cancel the charge back. I was given a XXXX ticket saying I would be contacted. I never was and closed my accounts with XXXX after I called and was again refused a refund. 

The initial XXXX was denied. After XXXX rebuttals the investigations dept sent me information regarding the purchase I made on the XXXX and not the XXXX. I was forced to reopen a new case. After about a XXXX my claim was denied on the XXXX of XXXX. I requested info on why it was denied. I was sent XXXX pages of a blank XXXX from Chime and no reason as to why I was denied. 

I called Chime and requested to speak to a XXXX. XXXX, let me know that the evidence I issued to Chime ( *see documentation ) was not considered in the investigation. He concurred with XXXX other XXXX that this is a clear-cut case of non-receipt of goods and services. He submitted a rebuttal with special notes for the investigation team. The rebuttal was denied because Chime needed new evidence to process a rebuttal due to their policies. I called Chime again and spoke with a XXXX named XXXX. He also concurred that this issue is non-receipt of goods and services. My XXXX rebuttal was denied again. No reasons or merchant evidence provided and no path to resolution.
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (TX)

I received a call from Rent Recovery Solutions on XX/XX/XXXX regarding a debt from XXXXXXXX XXXX Apartment Complex in XXXX XXXX TX under XXXX Communities. They left a voicemail. 

I contacted them back and requested information which was received on XX/XX/XXXX. This is the entire ledger they gave me : Move Out Check List Charges 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 Community Previous Balance Adjustment There was no breakdowns or anything. XXXX XXXX claimed it was move out cleaning fees and this ledger does not even say that. They still have not supplied the official ledger even after I asked for it last week. 

I received no notification of any debt owed from any company within the ten months of moving out. The debt company stated they received this debt on XX/XX/XXXX ( ten months after move out ) and still have not sent collection letters. 

I have left two calls and two voicemails, one on XX/XX/XXXX and one on XX/XX/XXXX which aren't being returned. During my second call, when in attempt to explain this isn't valid and the ledger wasn't helpful, the representative rudely interrupted me, berated me, told me nothing can be done until the apartment released the debt, and immediately transferred me without me even asking to be transferred to a voicemail. 

This debt by XXXX XXXX XXXX is not valid. The apartment flooded from an upstairs tenant and that's why they're charging me. They have sent no letters, no emails, and no phone calls even though they had my forwarding address. They sent this collection to XXXX XXXX ten months after the fact after a long period of silence. 

When moved out, I received an email stating a ledger of move out fees. The ledger was incomprehensible to me. The balance repeatedly said XXXX, but stated a total of XXXX dollars. It never said I owed anything not had any identification on said ledger ( no name, apartment, or something tying to me ). 

I sent an email to XXXX XXXX on XX/XX/XXXX asking if I owed anything which they did not answer. I called them and left a message which they did not respond to. 

This is an unfair practice. I have necessary documentation to prove I attempted to resolve the debt and heard nothing until ten months later from either company.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (GA)

I placed a Security Freeze on my XXXX XXXXSagestream Consumer Report back on XX/XX/XXXX. If there is a XXXX XXXX placed on my consumer report, then XXXX XXXX does not have the authorization to share my consumer report or any information on my report with third parties. On Tuesday, XX/XX/XXXX, I received a credit denial letter from XXXX stating that they obtained information from one or more consumer reporting agencies as part of their consideration of my application. The notification listed XXXX XXXX XXXX XXXX, XXXX and SageStream , LLC as their sources of reporting agencies. I have attached two documents : Proof that my XXXX XXXX Consumer Report has an ACTIVE SECURITY FREEZE since XX/XX/XXXX and Proof that XXXX XXXX/SageStream were listed as sources of consumer reporting agencies that provided my report under an ACTIVE SECURITY FREEZE.
Consumer complaint received 2024-04-06
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccur
ate.
Consumer complaint received 2023-05-05
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX both of and all of my XXXX XXXX cards where hit with fraud I am up to date on all my charges and I owe XXXX XXXX nothing. Then XXXX 2023 came and I tried very hard to get my phone number changed with my account with XXXX 3 separate times through their live chat for XXXX individuals. All 3 times using their link to send my drivers license it is not clear they received this or not. This is a security measure they use to change information in a person 's account. Now I have requested a alternative to a mandated phone call as a reasonable accommodation 3 separate times since XX/XX/2023, so I can equally use their services yes I am XXXX. Capital one does not care to realize their are other types of XXXX that one who is physically XXXX, they insisted they are following XXXX laws by telling me to use telecommunications relay services! In which my XXXX prevent me from using a phone period! I don't know this stuff and do not care to know this TTY stuff. I recieve paperless bills but XXXX XXXXXXXX refuses to change my phone number since XXXX of 2023 so that I could pay the only debt I owe with XXXX XXXXXXXX and this is my annual fee for my XXXX XXXX card. I did report this in the beginning with the CFPB and because nothing was resolved I suffered damages and grief from this. MY CREDIT SCORE MY PERFECT CREDIT SCORE WAS TARNISHED! XXXX XXXX  reported delinquency for something that is their fault not mine. I need that credit so I could apply for a home repair loan to fix emergency major repairs to my house! Yeah thanks XXXX XXXX. When XXXX XXXX decided my XXXX are not covered under the XXXX they made a very very big mistake! I want all negative marks erased! I want XXXX XXXX to get over their head trip of security nonsense and change my dam phone number in my this is my # now ( XXXX ) XXXX but if you call I will not answer. XXXX XXXX requires a valid phone # just to get and keep a XXXX XXXX credit card. I want XXXX XXXX to waive their fees they put on this - my not being able to get into my account and pay my annual fee for my XXXX XXXX  card. And I want XXXX XXXX to send me my new credit cards for my XXXX XXXX XXXX XXXX cards. They have canceled out my cards I have and nearly 5 months later I have yet to get my new cards. That caused caous when both cards got hit this whole experience with capital one has caused grief and real damage. If the CFPB chooses not too resolve this until this is completely resolved I will be forced to file with XXXX rights of New York for violations to the XXXX and XXXX XXXX. Hud is already aware with this situation XXXX XXXX XXXX XXXX hud enforcement division. CFPB your partially responsible for this continuing and causing harm
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ND)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXXXXXX 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 2023-09-27
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2023-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

My mortgage was sold to Newrez LLC about 6 months ago. The company previously put me through significant red tape to change my private homeowners insurance to reflect this change in my recorded address ; # XXXX to XXXX for my escrow On Friday XX/XX/13 I received a letter from my mortgage company NewRez LLC stating that their records show my homeowners association ( HOA ) hazard insurance has expired. 

They also plan to buy insurance that may be significantly more expensive and may not provide as much coverage. 

I have a copy of the 42 page HOA policy which is in fact NOT expired and is required by XXXX XXXX Condo Law. Newrez is exceedingly difficult to communicate with and they want me to mail or FAX the proof of coverage within a timely fashion which is not defined. 

I am a XXXX XXXX of XXXX with a spotless record of payment and with a high Credit Rating of XXXX the last time I confirmed.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My account with Bank of America ending in XXXX and XXXX had been in good standing. I had several claims from a credit card company that I owned and paid through this account. I filed the claim through the bank and some of the claims were paid. On XX/XX/XXXX my account was closed abruptly. At the time I learned the account was closed I had just arrived at my XXXXXXXX XXXX needless to say I had to reschedule because I couldnt pay my copay with my debit card and I didnt have any other way to pay. I have {$9500.00} in claims that should be paid as well as {$380.00} that was in my bank accounts. I called the bank several times and was told that they dont have to give me an explanation why they closed my account. Its a XXXX weekend and I dont have anything from my accounts and Im XXXX with a XXXX XXXX
Consumer complaint received 2024-04-06
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. (MA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is Transunions duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. TRANSUNION is reporting an inaccurate late payment for the XXXXXXXX XXXX XXXX account ending in XXXX. This is a 30 day late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 

Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in Transunion violating my federally protected consumer rights.

Additionally, I did not give Transunion written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (MT)

FCRA violations : payments never late XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts are not mine XXXXXXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$5000.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Account charged off. {$160.00} written off. {$160.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX. My Debit card along with my wallet was stolen. That individual then quickly made some fraudulent charges which resulted in my account being emptied and overdrawn before I even noticed my wallet was missing a couple hours later. I immediately reported this to my bank Wells Fargo card services. They opened a fraud investigation and shut down my card and all of its affiliates that day, the XXXX of XXXX. Told me not to worry that I wasn't responsible for fraudulent charges. I just got the bank 's response to that " investigation '' and they said and I quote " that no error had been made '' and that my claim was denied. That's interesting wording. Fraud isn't an " error ''. It's done on purpose by criminals. All of the fraudulent charges were made without my PIN. They used the credit chip or choice at the XXXX I have always used my PIN at XXXX. Have a proven record of it, I never use the credit option. The bank knows this. I called and tried to dispute it. The bank still refused. I went to the store where the major charge was made and got the transaction records. The store has the camera footage but I can not acquire it without a police report which I have now gotten. It's a shame that I have to prove that it wasn't me who made those charges when it was obvious what had happened. The criminals are being let off the hook for stealing approximately {$400.00} from me and to add insult to injury I'm responsible for charges and denying my claim. It's almost as if they are calling me a liar, how dare I try to make a fraudulent claim? I have been banking at Wells Fargo for almost 17 years, never made a claim and this is how I am treated.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MI)

In accordance with the fair credit Reporting act Credit Acceptance Corp Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2023-02-11
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. (VA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.