davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CT)

On XX/XX/23 I realized my Chime physical debt card was missing, so I checked my checking account online and noticed that there was 7 fraudulent out of state transactions in XXXX XXXX and XXXX  ranging from XXXX XXXX totaling {$1200.00} I immediately called Chime to report this and filed a dispute through their fraud department and my debt card was cancelled and Chime told me it would take 90 days to investigate and resolve this issue. The next day I was double checking my account and notice another fraudulent transaction that I missed in the amount of {$14.00} so I called Chime back reported this, they told me this would have to be filed in a separate dispute which they did and told me I would also be contacted regarding this second dispute so on XX/XX/XXXX I received an email from Chime stating that no error had occurred and no funds will be credited to my account, however they did give me credit for the second dispute of {$14.00} which was confusing for me being that both disputes were fraudulent. I was very upset and called chime to get an explanation on how this was declined and not fraudulent, Chime provided me with a document with questions and answers to my original dispute, they suggested I provide them with any supporting documentation to help prove my case that they will open and review my case again. I then filed a report with the XXXX XXXX XXXX and submitted a copy of that report to Chime 3 days after. On XX/XX/XXXX I received email from Chime stating the same rejection letter stating that no error had occurred and that my account will not be credited any funds. I dont know what else to do. Chime has not obviously investigated this matter, I asked them how is it possible that someone out of state can charge {$850.00} on my account and I not be alerted or notified, they have no answers for me, I have never been to XXXX XXXX or XXXX  where this fraud occurred. These are dates and amount of all charges. 

XX/XX/XXXX {$18.00} {$850.00} {$31.00} XX/XX/XXXX {$47.00} {$29.00} {$1.00} XX/XX/XXXX {$230.00} {$14.00} The only charge they credited my account was for XX/XX/XXXX {$14.00}
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I've always made sure that payments on this account are timely, never allowing them to become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Recovery Services, Inc. (NJ)

This account should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 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 protecter consumer. NO CONSENT IS IDENTITY THEFT. 
As a consumer I am demanding the deletion Of these inquiries listed IMMEDIATELY! 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimalprocedures to ensure that I was not harmed. 


SOUTHWEST RECOVERY
Consumer complaint received 2023-09-05
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: Experian Information Solutions Inc. (WA)

XXXX  XXXX XXXX website stated I can get a pre approval without affecting my credit score. This was not true and now I have 5-6 hard inquiries on my credit reports. I spoke with XXXX the Manager at XXXX XXXX XXXX in XXXX WA, on XX/XX/XXXX and he said that if I dispute the inquiries he wouldnt dispute back.
Consumer complaint received 2024-04-25
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Recovery Service Incorporated (CA)

On XXXX XXXX I have sent a debt validation letter to verify the debt that was attempted to be collected for XXXX. I was responding to a phone call of that I received on XX/XX/XXXX. I have not gotten a response to the debt validation letter since then.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (TX)

My claims history is as follows : XX/XX/XXXX - At Fault Accident, XXXX was my insurance company, under Texas Insurance Law items that are over 36 months old should no longer be reported. 

XX/XX/XXXX - Not at Fault - Rear-ended by XXXX XXXX XXXX XXXX XXXX was ticketed and found at fault. His insurance was XXXX and they paid for the damages. 

XX/XX/XXXX - Not at Fault Hit and Run XXXX Parking Garage XXXX TX. 

There are multiple errors in my report and they need to be fixed. Every time I get an insurance quote I'm having a negative impact on the rates because of the errors in my report and this is causing me financial harm.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (CA)

My bank account was closed with the online bank call current and it was done on the XXXX of XXXX which is insane as it was before XXXX but I requested my money and still yet to receive it or anything.. I keep getting a message saying 14 days maybe more additional wait time but thats about it I got a bit more info was I told them Ill file a complaint and then they said theyll speed up my request and gave me a bit more info and that has been it ever since..
Consumer complaint received 2024-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I am writing to the CFPB to file a complaint against Nissan Motor Acceptance Corporation, the CEO name is XXXX XXXX at email address XXXX. XXXX, and XXXX XXXX XXXX, which pertains to the handling of the vehicle financing which has per under the Securities Exchange Act, raised, concerns of potential violations of securities, fraud, and tax evasion, my promissory note and certificate of indebtedness was securitized by this company, where they received a Cusip number, and engaged in trading activities.According to the XXXX form this is XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX # XXXX is the XXXX trustee, the officiating officer is XXXX XXXX XXXX XXXX XXXX XXXX. His address is XXXX XXXX XXXX XXXX, IL XXXX. XXXX XXXX XXXX XXXX is the trustee.. the registered mail number for the package I sent them was XXXX XXXX was received on XX/XX/2023 XXXX
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (CO)

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. XXXX and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data.

Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as XXXX and XXXX, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to XXXX, XXXX, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon.

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet XXXX and XXXX continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which XXXX and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
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: AMERICAN EXPRESS COMPANY (CA)

I ordered from XXXX  a watch. Than they send me the item from XXXX they claimed they delivered it to me on XX/XX/XXXX and i did not receive the item. I filled a report with XXXX company originally didn't know i was supposed to call XXXX  which i didn't know. i thought my credit card company was supposed to take care of all the claim with XXXX  and than the police but they didn't do anything my credit card company which is AMEX CREDIT CARD company and they kept me waiting and didn't do anything at all i thought they were supposed to do full investigation. on XX/XX/XXXX i called XXXX i said to XXXX  IF they can send me something that says they were supposed to check my id before handing the product over i received something from XXXX  that shows that XXXX  company was supposed to check id and than have me personally signed and they don't have that they only have a paper says they delivered to a residence doesn't say address or any7thing i needed full investigation from XXXX  to help me they didn't help me, they said i passed the 30 days and didn't file a claim with them but i filled with XXXX and AmEx card company and no one helped me. No one is helping me investigate this matter and get my money back i am so disappointed in XXXX  for not helping me. and investigate this matter for me i filled it on time i just didn't know i was supposed to file it with cartier.
Consumer complaint received 2024-02-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Counsel, Inc. (FL)

I made some arrangements with the company before, they first made me numerous calls, they always said if I dont pay they will take legally actions, they told me what was about, but never send me the receipt or prove of my payments or the balance of the debt. I stopped working, I wasnt able to pay the debt, they started calling me, when I wanted to confirm the company of debt, this guy named XXXX XXXX talked to me very rude, he gets angry very quick and doesnt care about your situation, he asked me to shut up and let him talk. This is one of the voice mail that he left : Yep, my final call for XXXX XXXX XXXX XXXX was unfortunately chosen to ignore your obligations to my client XXXX XXXX. You broke the terms of your payment aquarium and you don't return phone calls you don't respond invoices. Full-time job babysitting you Obviously born XXXX XXXX you should need a babysitter this point this is your obligation you got a resolve for years ago Yeah, we know that So we're moving forward legally I'm done with this game XXXX XXXX hours once I don't hear back from you or your attorney by tomorrow the XXXX He is been calling with private numbers, sending emails and I had a report in my credit with this company
Consumer complaint received 2024-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2018-04-12
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. (NC)

On Friday XX/XX/XXXX I had called XXXX requested a credit limit increase and what are the factors looked on when giving a credit limit increased. Instead of receiving a increase the agent on the line decrease my credit limit, she tried to fix it but she couldnt so she transferred me to her supervisor who advised me that I would hear from a credit speacailist on Monday XX/XX/XXXX or Tuesday XX/XX/XXXXof the following week. I had waited until Thursday XX/XX/XXXX and I havent received a call from the credit specialist nor anyone from XXXX, so I called to find out whats going on I was told by another agent that there was no case for my issue and she put me on hold where the called got disconnected. I re-called XXXX once more and ask to speak to a supervisor who advise me that he will start a new case for my account which I was now frustrated because all the misleading Information that I have been receiving I ask for my account to be closed. Now I have checked my credit report and its sating that I have requested a decrease on my account, account is closed and a negative remark from XXXX. I called XXXX today XX/XX/XXXX and the agent is letting me know the reason for my account being report like that to the credit bureaus is because I requested that way. Which just display poor customer service customers who uses there service.
Consumer complaint received 2024-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (PA)

My mortgage company has changed hands several times over the past ten years. Whomever is now holding my mortgage is required me to change the name on my home insurance to have mine and my wife 's middle initials such that it appear exactly as it is on our deed. We complied and had our insurance company send the revised policy to NewRez. 

We have also been requested that we send NewRez a copy of our HOA Liability Insurance Policy. Our insurance agent confirmed that they did so. 

We continue to receive letters from NewRez that we have not complied with their requests and as such, they are going to force us to purchase insurance from them! This is a scam! They are imposing new and unnecessary requirements on mortgage customers to force them to buy insurance that they don't need. 

PLEASE HELP AND SHUT THIS UNSCRUPULOUS BUSINESS DOWN!
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Carvana Group, LLC (NV)

On XXXX XXXX, I placed an order from Carvana LLC, an online used car company, for a 2016 XXXX XXXX. I was required to pay a roughly {$1800.00} nonrefundable shipping fee despite gross mischaracterizations of the merchandise and services by Carvana. 

I never got the car and, after realizing how much false advertising was involved with this car, canceled the order before it was ever shipped. 

The car advertising boasted of a perfect 150-point inspection ( included in my documentation ), allegedly conducted just several months ago by Carvana. I took time off work in order to pick up the new car 400 miles away from my home on Friday, XXXX XXXX, only to be told less than 24 hours before pickup time that the car transportation was delayed. 

My documentation includes screenshots of conversations with two different Carvana agents ( XXXX XXXX ) who tell me completely different things about why my order was suddenly delayed. At first I was told there were no issues with the car and that the transport was delayed ; the second agent admitted that there was a last minute mechanical problem that forced Carvana to fix it before shipping -- I was not told this in advance and was led to believe that my car was on the way right up until the night before my pick up date on XXXX XXXX. 

In reality, the car had neither boarded a truck nor received the alleged 150 point perfect inspection that influenced my decision to purchase. When asked, the Carvana agent would offer no explanation as to what this mechanical issue might be, when it might be fixed, or when the car would actually arrive. Had I known that the 150-point inspection was a sham, I would never have purchased the car or paid for the shipping. Carvana blatantly mischaracterized their product and services. 

Ultimately, I canceled my car order on XXXX XXXX before the car was ever shipped. I've filed a claim with my bank to recoup the roughly {$1800.00} " nonrefundable shipping fee '' from this company, one which has gained a reputation for false advertising and misleading business practices. 

I want my money back. I asked Carvana to refund the " shipping fee '' due to their false advertising but they would not budge.
Consumer complaint received 2023-08-14
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. (CA)

I have contacted the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And disputed these accounts with them. I asked him to verify the accounts. By way of providing me with some type of documentation, bearing my signature as proof that I am responsible for these accounts. And they have failed to do so, therefore making these accounts on verifiable and inaccurate, which to my knowledge is a violation of my rights according to the FCRA.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 6o2 states I have a right to privacy. 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 any purpose.
Consumer complaint received 2024-02-06
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Central Portfolio Control Inc. (WA)

Received a text message from XXXX ( XXXX ) XXXX on XX/XX/XXXX @ XXXX. The text message said, XXXX XXXX, this is Central Portfolio Control Inc . Please contact our office at XXXX or online at www.paycpc.com using your AGENCY ID : XXXX This communication is from a licensed Bill Collector. Thank you. Text STOP to unsubscribe. 

I ran a credit report and it shows that I have XXXX accounts in collection. I have no loans as they were fully paid off. I have XXXX credit debt as they are paid off. Have no clue why Central Portfolio Control Inc is contacting me.