davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MO)

Chime stated they found, " fraudulent '' activity, and they suspended my account and I now do not have access to my funds. They are requesting documentation to verify my identity. I have provided the documentation that they've requested. They still have not unlocked or reinstated my account. There is NO fraud associated with my account. They have refused to send the balance of my account, {$780.00} roughly to me. I am unable to access my account in any way. The trigger for this was my trying to transfer monies from my XXXX account to my Chime account. I have had my account with Chime for 5+ years now. I have never had an issue with Chime until now. My children and husband also have Chime accounts. They are now in the process of closing their accounts. Upon searching for, " chime closed my account and refuse to send the balance of the account '' I found XXXX instances of the same issue.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

I submitted a dispute to Experian pertaining to my personal information and accounts XXXX XXXX XXXX XXXX and XXXX XXXX XXXX via certified mail ( tracking number XXXX ) received XXXX XXXX XXXX  I received confirmation from Experian that the dispute was complete. On XX/XX/XXXX, 31 days after my initial dispute was received, I generated another report from Experian ( proof attached ) to verify the changes made to my report. I sent another certified letter to Experian ( tracking number XXXX ) received XXXX to advise I disagree with the results and requested proof of negative payment history as well as a description of the procedures used to reinvestigate. Surprising I also did not see a clear note that the two accounts were in dispute by me. This is a direct violation of my rights under FCRA 623 ( a ) ( 3 ). 

In the initial dispute I provided a copy of my ID, a copy of ss card, a copy of a recent utility bill, and I have now notified Experian multiple times that the additional addresses and names listed are not valid. Again, another blatant disregard for the law under 15 usc 1681s-2 ( a ) ( 1 ) ( B ).
Consumer complaint received 2024-04-24
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. (OK)

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 2023-04-27
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: Early Warning Services, LLC (FL)

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, instance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15. U.S. Code 1681 c-2 ( c ( 1 ) C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. 4 days you have.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Dear Sir/Madam, I am writing to you to file a complaint regarding my recent purchase from XXXX. On XX/XX/XXXX, I ordered a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$620.00}. Unfortunately, when I received the item and attempted to use it, I discovered that it does not turn on at all. 

I promptly submitted a request to return the item, but to my dismay, my request was denied by the company. They stated that I violated their return policy, despite my inability to see any reason for this in the policy itself. 

I then escalated my complaint to my credit card provider, Capital One. However, they also closed my case, stating that the company had delivered the product to me in good condition. 

I am at a loss as to why I am being denied the opportunity to return the defective product. I believe that I have a legitimate claim and should be granted a refund or a replacement. I would appreciate your help in resolving this matter. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (MN)

Affirm is a loan option stores used to allow you to make small payments. I returned the item I was provided a loan for. The company, XXXX XXXX, acknowledged the return and informed Affirm. Affirm canceled the loan but did not refund the payment I made. After contacting them ( well past the loan being cancelled ) they informed me my credit would arrive and it has still not.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

This account Does not belong on my credit report and or status should be updated. under my rights as a consumer under the FCRA. 

Account XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
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. (NY)

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2023-04-27
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. (NV)

I desperately need some help. I run a charitable 501c3 documents included. the website in XXXX my organization requires that my credit be ok enough to provide food, medicine and basic services in order to save veterans and wild mustangs. 

I have made multiple attempts to rectify late payment reporting with XXXX XXXX XXXX  and not only did they do nothing they made a claim that a payment was not honored by my bank XXXX. I will include actual photos from my account with the date of payment being XX/XX/2023 for {$1000.00} which was withdrawn from my account. On XX/XX/XXXX XXXX XXXX stated that the payment was not honored. I then called them and went to XXXX to confirm that payment was made. This has caused be great stress and in fact I made another payment that day of {$450.00} on the XXXX of XXXX. I have also included proof. I ask that all late payment please be removed from my credit report and as of the time of this report I still do not have the original amount of {$1000.00} either credited to my bank account which paid the item on XX/XX/XXXX nor XXXX XXXX has credit the credit card account.
Consumer complaint received 2023-09-26
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. (IN)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX/ Hard Inquiry These accounts do not belong to me. This dispute is not being used as a form of credit repair.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance Owed : {$18000.00}.
Consumer complaint received 2023-06-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (SC)

I submitted a debt validation letter to the WAKEFIELD AND ASSOCIATES collection agency in XX/XX/2023. The purpose of the letter was to request verification of the information regarding a medical debt. 
Unfortunately, despite the considerable time that has passed since my initial request, I have not received any response from this agency. To ensure transparency and provide evidence of my previous communication, I have attached both a copy of the original debt validation letter and the receipt of the certified letter that was sent.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit Reporting act XXXX 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 any purpose.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I desperately need some help. I run a charitable 501c3 documents included. the website in XXXX my organization requires that my credit be ok enough to provide food, medicine and basic services in order to save veterans and wild mustangs. 

I have made multiple attempts to rectify late payment reporting with XXXX XXXX XXXX  and not only did they do nothing they made a claim that a payment was not honored by my bank XXXX. I will include actual photos from my account with the date of payment being XX/XX/2023 for {$1000.00} which was withdrawn from my account. On XX/XX/XXXX XXXX XXXX stated that the payment was not honored. I then called them and went to XXXX to confirm that payment was made. This has caused be great stress and in fact I made another payment that day of {$450.00} on the XXXX of XXXX. I have also included proof. I ask that all late payment please be removed from my credit report and as of the time of this report I still do not have the original amount of {$1000.00} either credited to my bank account which paid the item on XX/XX/XXXX nor XXXX XXXX has credit the credit card account.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to formally register a complaint for violations against the provisions of 20 U.S. Code 1232g - Family Educational and Privacy Rights. Without my written consent, I recently discovered that my XXXX  loan information has been reported to credit reporting agencies, XXXX, XXXX, and Equifax. This action directly violates the aforementioned statute, which clearly outlines the conditions under which educational records can be disclosed. According to 20 U.S. Code 1232g ( b ) ( 1 ), educational agencies or institutions are prohibited from releasing education records without the written consent of the XXXX XXXX parents. My XXXX loan information was reported to credit reporting agencies without obtaining written consent. The statute clearly outlines exceptions for disclosing education records without written consent. In my case, none of these exceptions were applicable. The release of my XXXX loan information was not in compliance with any of the statutory provisions; according to 20 U.S. Code 1232g ( b ) ( 4 ), educational agencies or institutions must maintain a record indicating all individuals, agencies, or organizations requesting or obtaining access to a XXXX XXXX education records. I request transparency in this matter and would like to be provided with information regarding who accessed my XXXX loan information and the legitimate interest each entity had in obtaining this information.
Consumer complaint received 2024-04-24
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. (TX)

THIS IS NOT A DISPUTE!! THIS IS A NOTICE OF CEASE AND DESIST. Transunion previously received a similar letter and processed it as a dispute. This is to be sent to the legal department at Transunion.
Consumer complaint received 2023-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (IN)

I received a certified court letter at my mom 's house informing me of court to get my check garnished..I called the lawyer group and she told me this was for a card or some kind of credit that I was sued for XX/XX/XXXX and had a judgement against me..I asked if that was legal per statue of limitations she said yes it was from XXXX and they had till XXXX to pursue me..Had they sent me a validation letter even to my mom house same way they sent court papers they would have found out I was a victim of identity fraud..I had the FBI show up at my house for checks and all kind of stuff I went to court and everything was dismissed ..I have no idea about what they are talking about and why or how I was sued and had a judgement and knew nothing of that either until I'm being sued and their wanting to garnish my checks..until literally the FBI showed up at my door ... it was cases everywhere ..checks, cards, they actually came to inform me because on camera the ladies didn't look like my driver 's license..they arrested I know from them one lady I didn't know either when they showed them to me ..The agent took care of everything except one store in a city I had never been in had a warrant out for me..the man went to court with me and everything..pull up the court papers where everything said is typed up..only then did they dismiss it..what ever this is they said it went to write off ... they should of found me and probably had it taken care of by insurance..instead of taken 20 years to bring some bs to me
Consumer complaint received 2024-04-24
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 have been a victim of identity fraud I have had my social security breach of me and my XXXX minors resulting in fraud activity IRS had put me in high security protected password for lifetime as a result to protect me in future asking to get help with this new fraud as I just seen it was recently placed and wasn't me. I have no knowledge of this dept I been taking all steps to prevent hackers as my info was leaked /breach dark web. Please help assist by removing it from my credit.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (FL)

RE : AX enticing me to open new accounts with a letter dated XX/XX/XXXX To Whom It May Concern : I am writing regarding a letter I recently received from American Express admitting that they had made a mistake in the past when they closed three of my accounts that I had opened with AX. Now they are saying that an account that I had opened with AX ending in XXXX was closed due to a technical issue. The strange thing is that AX closed my accounts in XXXX and explained why the accounts were being closed. So, I dont know if I believe it, was a technical issue. At this moment I am confused because I dont know if this letter, I received is a real letter or is it a system generated letter that does not mean anything. Or maybe AX is losing some businesses and is trying to lure in old account holders and attract more business. I know that AX got hurt when XXXX years ago Cancelled their membership. So, I dont know if they need new customers now to open new accounts. 
Regardless If AX cancelled my accounts in the past then they should reinstate the account in question since it was their mistake. I dont see myself applying for a new account and come later that it was a bogus letter. According to AX when they closed my accounts, I was told that I could not open anymore accounts with AX in the future. So, what is it that they want now? You made the mistake AX then you fix it and send me a new card. 
So, I need some clarification from AX why they sent this letter now and why is it that until now they are correcting an issue that happened in XXXX. 
Thank you in advance for your understanding. 

Sincerely, 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OK)

I visited XXXX in XX/XX/XXXX and shopped at XXXX XXXX. I was surprised when I came back in XXXX of XXXX. I had a huge interest in XXXX XXXX. XXXX XXXX XXXX letter states I owe XXXX when I open the letter. Besides, I don't have any credit card activation by me. I called them because of this surprise bill I had. So, I asked them for my statement, which took me another 1 month to wait for that statement, leading to {$300.00} plus interest. The statement says XXXX '', I did not buy paint, XXXX!! And his means another interest incurred on me. We agreed to a settlement of {$160.00}. 
I found out I was reported to Experian when I was offered by XXXX XXXX a credit card. I complain about their way or mode of communicating or sending bills by mere letter only. I am not a resident of XXXX. They should send bills through e-mail too. If so, I can pay as scheduled like my other credit card used to bill me. It is so UNFAIR. Is this the way, how they make money?