davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Experian continues to violate Federal Law by reporting a bankruptcy on my credit report I have notification back from the bankruptcy court which states that they do not report to any credit agency. ( Please find attached the letter from the court ). Under the privacy act of 1974 and the opt out law any authorization that Experian thought they had, they no longer have. Pursuant to the law this information needs to be removed from my credit report immediately
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I am a natural person, and living human being, and I have rights under 15 USC 1681 Experian is govern by 15 USC 1681. And they have violated my rights numerous times. And I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and did not give Experian my written permission to furnish any of the accounts below and Experian should NOT be reporting my transactions or experiences with any of the accounts below XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, or US Department of Education. Violation # 1 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Violation # 2 15 U.S. Code 1681b - Permissible purposes of consumer reports ( cosign ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Violation # 3 15 U.S. Code 1681 - Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have attached affidavit which stands as truth
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my NUMEROUS 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 items XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NY)

I had some unauthorized charges on my account and I alerted the company with hours of the transaction and they still let these scammers my money and would not help me retrieve my funds or had anyway of stopping the transaction from happening. They even told me they found no error was made but could not provide me proof of what they found. I followed all the instructions given to me and the company does not have a remedy to unauthorized purchases made on my account so I am just out of $ XXXX with chime/stride bank. When I asked for the evidence they found they said they would send it over and sent a link for me to upload documents but never sent whatever proof I asked for.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

Discover card was lost or misplaced in XXXX or kept by vendor, and charges started appearing, which I could not yet dispute as they were pending and hadn't yet posted, and got a replacement card. There was a small chance that a second card I had authorized for my elderly aunt ( deceased ) had been kept by her granddaughter or care provider, so I checked to make sure none of them were using the card, then got back to Discover, and was told my aunt 's card had been canceled, and the fraudulent charges were definitely with my lost/stolen card. As far as I can tell, because of this delay, and because I couldn't tell exactly whether a couple local charges were fraudulent because small bodega grocery stores I patronize sometimes don't report their charges immediately, Discover doesn't seem to believe my report. But I did not make around {$800.00} in charges, both at my local XXXX XXXX, a XXXX XXXX in another town I've never ( to my knowledge ) frequented, or a grocery store in another town I've never ( to my knowledge ) been to -- with two $ XXXX charges. I have spent multiple days over several months trying to get Discover to remove the fraudulent charges, and have given up on working with them. Their advertisement -- " The Discover {$0.00} Fraud Liability Guarantee means you're never responsible for unauthorized purchases on your Discover Card account. '' -- turns out not to be true. Discover provided " proof '' from XXXX ( XXXX ) and XXXX XXXX that my stolen card was used, but no proof that I ws the one that used it. Attached are police reports and XXXX of the back and forth nonsense correspondence. Thank you.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX  is reporting on my credit report. Under the FDCPA and FCRA it is illegal for XXXX to act on behalf as a debt collector. My credit and my life have been harmed due to these false reporting. I will seek monetary damages against all involved.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TN)

On Sunday XX/XX/year>, I notified Chime Bank XXXX XXXX unauthorized transactions that occurred on my Chime Debit Card totaling {$3900.00}. Chime Bank falls under Banking services provided by XXXX XXXX XXXX  XXXX. or XXXX XXXX XXXXXXXX, XXXX FDIC. The Chime XXXX XXXX XXXX is issued by XXXX XXXX XXXX or XXXX XXXX pursuant to a license from XXXX XXXX XXXX and may be used everywhere XXXX XXXX XXXX are accepted. Please see back of your Card for its issuing bank. 

I found out that the transactions that occurred were made to XXXX XXXX XXXX XXXX a payment processor for XXXX XXXX XXXX XXXX. I notified the merchant to close the account and reported the unauthorized charges and sending all the requested information to the merchant. 

On XX/XX/year> I received an email for Chime Bank stating : " This letter is to inform you that we have made a final determination regarding the claim referenced above. As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed '' I have requested a copy of the documents that Chime Bank stated was used in determining the final outcome of the investigation.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

On XX/XX/2020 XXXX XXXX reported to Equifax bureau a hard inquietud under my name that I did not authorized.I contacted both Equifax and XXXX XXXX to clarity this issue and to creat and aleart on the Equifax bureau. They assured me everything was going to be clarify and required from me to contacted XXXX XXXX to let them know I was victim of identity theft. They were supposed to send al letter to equifax explaining that I never applied for XXXX XXXX credit Card inquiry and to request removzing this inquiry from my credit report. Up to date nothing is being done and this hard inquiry remains on My Equifax credit report
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( XXXX ) as that information pertains to experiences any continuation of providing negative information required by section FCRA XXXX ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-05-25
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous 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 XXXXXXXX
Consumer complaint received 2024-03-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (TN)

I approached XXXX XXXX ( XXXX XXXX XXXX ) after his post of being vegan and a professional trainer. He contacted me back and informed me he could help me with macros and training me with my medical conditions of : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During this 1st XXXX XXXX he informed me he had a XXXX in XXXX XXXX and did XXXX XXXX. I felt the fee was high {$6900.00}, but XXXX XXXX encouraged me to use Affirm instead of going with a shorter program which was much less money. I decided to go with the program since this was my health and I was investing in my future XXXX I reviewed his contract which indicated I could cancel as long as I informed him by email and I signed the waiver if I by any chance would end up with XXXX Less than XXXX weeks into the program I ended up with XXXX XXXX XXXX and XXXX XXXX which are very painful. I went to my XXXX who informed me some of the exercises were the cause of my injuries. I contacted XXXX XXXX to cancel by email and XXXX through his " XXXX '' app but he just completely ignored my request to cancel and wanted to talk instead to " see what we could do ''. At this point I went to XXXX XXXX 's XXXX XXXX and found he out he does not have a " XXXX XXXXn XXXX XXXX '' but rather a certification through XXXX and when I checked XXXX to verify his license to indicate he does Physical Therapy he was not in the system. Penal Code 486.028, 486.135 On XX/XX/24 we had a XXXX XXXX I participated by phone ONLY but recorded the conversation as I now did not trust him. XXXX XXXX completely ignored the injuries and brought up the waiver. I informed him I was not looking to sue him but just wanted to cancel. It became contentious but in the end he said " ok so you just want to cancel '' in which I said yes. I asked him about Affirm in which he responded that's " your problem and I don't deal with them ''. I filed a dispute with Affirm and provided ALL information and AUDIO RECORDING which confirms our agreement was cancelled. However, today I received an email by Affirm telling me I'm responsible for the loan because " CANCELLATION or RETURN NOT PROCESSED ''. I am now sitting here with a debt and no service through FRAUDULENT MISREPRESENTATION.
Consumer complaint received 2023-02-16
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 need to investigated and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

1. On XXXX XXXX, XXXX  Wells Fargo Bank ( WFB ) notified me via email that my Social Security deposit was " available '' in the amount of XXXX. I then initiated several electronic bill payments via the WFB online bill pay system. 
2. The next day XXXX XXXX, my checking account showed a negative balance of approximately ( XXXX ). This prevented me from accessing my funds all together even though the balance should be XXXX positive. 
3. When I called the bank on the phone I was told that I would not have access to my funds for at least one-week. 
4. My funds were finally made available XXXX on XXXX XXXX. 
5. I then downloaded the record transaction history for my checking account and discovered that the sequence of transactions were dated to reflect different dates from those that actually occurred. 
6. A WFB from the executive office initiated an investigation but failed to admit to the bank error and failed to correct the root cause of the bank error which is apparently a software issue in their computer system.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

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.
Consumer complaint received 2023-07-13
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 second 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 CAXXXX XXXX XXXX XXXX XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX XXXX XXXX XXXX  XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022.
Consumer complaint received 2023-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (FL)

Signed up for XXXX Credit card with an offer to receive {$100.00} statement credit after {$500.00} spent. Spent {$500.00} spoke with a supervisor who said spend requirements were made on XX/XX/2023 and should have received credit within XXXX hours. Supervisor said they have to submit a case to dispute. Contacted company multiple times for update since XXXX with no resolution and company continues to attempt to collect amount due. Every agent provides different or conflicting information. No resolution and incorrect information provided.
Consumer complaint received 2023-12-22
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)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 


15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2024-03-27
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)

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 Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (FL)

Around XX/XX/year>, myself along with XXXX other people who also banked with Wellsfargo gave a XXXX deposit to XXXX XXXX XXXX XXXX for a group trip to XXXX. In the contract it stated that deposits were non-refundable not non transferable nowhere in the contract. Due to non foreseen circumstances I was unable to go on the trip and contacted the travel representative to see if I could use the deposit towards another trip with the same travel agency. I re-read the contract and nowhere in the contract did it state that deposits were non transferable. The representative 's supervisor wrote back in an email stating that as per the terms and conditions the deposit is non refundable and non transferable. The contract never stated non transferable anywhere, only non refundable which made the contract void and null. I contacted Wellsfargo and and filed a dispute to get my deposit back, and so did the other XXXX people who were going on the trip. They all got their money back permanently due to the contract not stating that the deposit was non transferable, and they all banked with Wellsfargo. Provisionally Wellsfargo returned the XXXX deposit, and then a few weeks later took it back stating that services were rendered in which they were not. The deposit was given early XXXX and the trip got cancelled in XXXX, the trip was scheduled for XX/XX/year> in which more than enough due notice was given. I provided them with the proof and they still refused to return my money, when I called they were rude, unprofessional, and belligerent. Yet, the XXXX other people who banked with Wellsfargo was able to get their money returned based on the same evidence I provided. Wellsfargo has a reputation of being unethical and discriminatory, and I am requesting a resolution to this issue as it is unfair and makes no sense. I have contacted Wellsfargo numerous times and it's still the unprofessional belligerent responses. I am hoping that this will get the matter resolved. I provided ample evidence proving that non transferable was never in the contract and that the representative emailed the part about deposits being non refundable and non transferable making the contract null and void.