davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (LA)

I used their pay anyone to pay someone for a vehicle I was purchasing. I put the person phone number in & sent the money & immediately found out it was not the person intended for. The guys phone number was right but it was linked to someone elses account who neither of us knew. I immediately requested refund from the recipient & started a dispute. I provided all documentation that this person was not the intended recipient & that they were using someones phone number that has never had a Chime account. I sat on the phone w/ customer service as they started my dispute & the guy also called Chime customer service to try to have his number removed from the account. They did not remove the mans phone number from the persons account. I continued w/ my dispute & was told it would take 10 business days to come up w/ a decision based on evidence I provided. I even went as far as filing a police report on the recipient who account my money went to & was told the recipient was in fact in prison. 14 hours later, I wake up to an email from Chime saying my dispute was denied & immediately requesting another review & for them to email me documentation on how they could have denied me w/ all the information I had provided including police report. I was never emailed the documentation & also never received a response email from Chime about the review. I have since taken all money off of Chime but no longer no what to do about the {$2600.00} I have lost do to the features saying one thing & another one happening.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

For XXXX over XXXX years I have been asking Experian XXXX AND XXXX to correct my personal information from my credit file the bureau refused I have been denied credit apartment or I may never get a job because personal information did not match when I apply for credit I submit to the credit bureau several time a copy of social security card my passport card copy my driver license copy of my tax bill from the IRS the credit bureau listed I was born on XX/XX/1978 my date of birth is XX/XX/1978 SSN # XXXX my current legal name XXXX XXXX XXXX
Consumer complaint received 2023-01-02
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: ALLY FINANCIAL INC. (WI)

Ally finance shared my non public information without my permission in XXXX of XXXX, in XX/XX/XXXX, in XXXX of XXXX and also XXXX of XXXX. As a result I have unfairly been denied credit. Under Fifteen United states code 1681 sections B & C by furnishing information to my credit report, the company has also committed identity theft against me. 

Ally finance also violated Fifteen United States code 1681 S-2 as I have previously contacted the company to have them remove the items. This company has also violated Fifteen United States codes 1681-E, Fifteen United States code 1681-I, Fifteen United States code 1681-N as well as Fifteen United states code 1681-O. The company also violated Twelve CFR 106.7, I never received a opt out notice either. Please help me remove their name/business from my credit report.
Consumer complaint received 2024-03-21
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)

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2021-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

The Company named ERC Enhanced Recovery Company also known as Enhanced Resource Centers sent me a bill of {$220.00} for an account they claimed I owed to XXXX in 2011! They record the call and force you to agree with them about the addresses they have on file in order for them to continue with the call, but then turn around as use your recorded voice as if fraudulently you agree that you owe the debt. I AM NOT DELINQUENT WITH ANYONE. You can not speculate or falsely claim I owe a debt as well and falsely report this debt as current from more than 10 years ago.
Consumer complaint received 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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 2023-01-02
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: EQUIFAX, 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (VA)

I sent a letter months ago to remove personal information that does not belong to me and I do not want them reporting on my credit report. According to the Fair Credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2023-01-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: DigniFi (WA)

I accepted a short term line of credit for auto repairs offer by the company DigniFi. The loan was as for approximately XXXX dollars and I began paying it off in monthly installments of XXXX dollars ( setup with the companys auto-pay option. ) Because of an error on my part, my final payment of XXXX dollars was declined by my bank due to insufficient funds. However, I noticed my mistake immediately moved money into the anccount, and reached out to the company the same day to correct the issue. A representative of the company informed me that they would not accept another payment from me at that time until the previous payment attempt ( which I informed them had already been decided ) had processed. 

I called them back 2 more times over the course of the next approximately 10 days in further attempts to make the final payment with the same result. The 3rd time I called, I actually received another automated payment request from Dignifi within 20 minutes of ending the call where a dignifi employee had just informed me for a 3rd time that they would not accept a payment from me in any form. 

Following this, I emailed the company the below message to the contact email address posted on their website ( XXXX ) Subject : 4th attempt to make payment To whom it may concern : I am specifically instructing your company to stop harassing me with automated emails regarding my account with dignifi. 

I have personally contacted your telephone support center on 3 occasions over the last 2 weeks in an attempt to pay off the remaining balance of my account and have been told by two separate supervisors in that center that they either would not or could not accept a payment from me regardless of the method.

You may not harass me for payment and then refuse to accept that payment when I attempt to make it. 

When your company is ready and able to accept my payment on this account please reply to this email or contact me at XXXX XXXX XXXX XXXX This week I am available between the hours of XXXX and XXXX Monday through Friday. I will not waste my time with more futile attempts at calling in and resolving this issue again until I hear from a representative of your company who is authorized to accept a payment. 


Regards, ( XXXX ) Following the above communication, I contacted the company at the same email address two more times and have not yet received a response or separate communication by phone or email. However, I continue to receive payment request messages regularly.
Consumer complaint received 2023-01-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth (MO)

HRRG called to collect a medical debt. Caller ID shows XXXX XXXX. Not sure if this counts as impersonating an attorney, but I was under the impression that someone that may be one or at least a paralegal was attempting to contact me for some reason. The person on the phone did state their name and that they were from HRRG, and were quite clear that they are a Debt Collection agency calling about a medical debt.
Consumer complaint received 2023-05-06
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 have constantly disputed the accuracies of said account XXXX, and the information reporting i have sent multiple letters requesting validation of the debt which they have never produced. the said companies have refused to answer me. they have violated the FCRA by the following has violated my rights. 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. 

how can this be 100 % correct if yall are reporting it as open and a collection
Consumer complaint received 2017-12-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

In early XXXX XXXX, I had a fraudulent credit card purchase on my XXXX XXXX XXXX store card. The purchase was made on-online for over {$2000.00} and I received an email confirming the purchase was done online. When I called, the number on the back of the card, I was told that they do n't handle online purchases and I had to call another number. They did n't try to connect me but just asked that I handle it with the online department. When I called the online department, they asked me to call the credit risk department. A cumbersome user experience that I had to follow to protect my privacy. Eventually they added a password on my account for future purchases. Now its XXXX XXXX, I tried to make another online purchase, only to find out the fraudulent shipping address is still on my account. So I tried to call, only to be asked to call the online department and go through the same cumbersome service to protect my privacy. By the time I learned how difficult the process of online buying will be, especially that I forgot my password ( and had to MAIL out a letter to change it ) my order was no longer available. I had to cancel my credit card after being a customer since XXXX and affect my credit score but this was the worst experience ever.
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

My father died seven months ago, and as his only heir I became the successor in interest to his home. The home had a mortgage of less than {$30000.00} at the time, and I immediately notified PNC Bank, the lien holder, and sought to be declared the successor in interest so I could pay off the mortgage and sell the home. After his death, the Title Company executed an Affidavit of Heirship, and I provided a successor in interest form to PNC Bank on at least three occasions. 

The home sold more than 20 days ago, and the proceeds are being held by the Title Company pending distribution on receiving a payoff amount. I have since contacted every single division of PNC, the Senior Counsel, and a random loan officer I found through a mutual acquaintance. Each has responded similarly to this statement : This inquiry will be forwarded to the appropriate parties at PNC. I am not the correct party to receive this request, and have no knowledge of the underlying legal concern XXXX XXXX XXXX Senior Counsel PNC Bank , National Association XXXX XXXX XXXX, XXXX XXXX Locator : XXXX XXXX XXXX, IL XXXX XXXX Phone XXXX XXXX
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Every week my credit score has been dropping in free fall XXXX or XXXX points since my federal student loan account changed from XXXX XXXX to XXXX. Ive tried contacting XXXX with no success. Im very upset. We are in the process of trying to get preapproved for a house and I have no stability as Im being penalized for this loan account being transferred and even worse its not everyone with accounts that transferred. Besides the gross negligence of this on someones perfect credit history, with knowing that its not being handled the same for everyone the obvious questions are why me and when is this going to stop? Forget getting rectified I have zero faith in that but my credit score has already dropped XXXX points in a little over a month and with no end in sight I just want to know what I can do during this extremely frustrating time. Thanks
Consumer complaint received 2023-07-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC (GA)

XXXX Please review this case. I tried to add information that this company has placed on my credit report, negative information that I had no idea about. 

They sent their request to collect their debt to someone other than myself. 
XXXX stated that her conversation, which you have taped, was sent to XXXX 's address. 
I have never lived on XXXX. 
The email address that was sent is not mine. 
I still do not have the information that the account was paid to date. 
They have not sent me a receipt either, and I have been so stressed that I am a XXXX XXXX survivor, and now I have to go back and have my mammogram redone. I finished treatment in 2017. I have not had any issues until now. I was triple negative, and there are no drugs I can take to prevent it. 
I was shocked when I found this on my credit report, which is not valid. 
I'm raising an orphan, and now my credit is ruined. 
How can someone bill you and then, when you question it, pay it and report it to the credit bureau? 
This entire action is a lie.
Consumer complaint received 2023-02-13
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. (TX)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2023-07-22
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: JPMORGAN CHASE & CO. (NY)

I purchased an extra firm mattress at XXXXXXXX XXXX  XXXX on XX/XX/XXXX, for {$1100.00} + taxes, fees, and delivery ; the mattress has a XXXX warranty for any manufacturing defects as it states on their return policy. I tried to start my refund process yesterday, XX/XX/XXXXXXXX XXXX XXXX XXXX, through their online customer service. 

I explained in detail that the mattress has a manufacturing issue and it keeps sinking. The representative asked for a picture of the problem. I explained that you can not observe the mattress sinking unless someone is lying down on it. He then responded that as per XXXXXXXX XXXX XXXXXXXX XXXX XXXX, the damage must be " visible '' for them to accept the return. 

However, on the purchase receipt on their website, there is no written statement that there has to be " VISIBLE '' damage for the product to be returned ; it ONLY states that there needs to be a manufacturing defect. The mattress was supposed to be EXTRA FIRM and it should not be sinking. In addition, I asked the representative to show me where in the policy it was written that there needs to be " visible damage '' and he said there was NOTHING that he can show me stating that there needs to be " visible damage '' but that it was company policy and there was nothing else that he could do. 

I tried to file a dispute online through my bank but it doesn't give me the option to report a problem maybe because it's from last year. 

The bottom line, the main problem here is that they are alleging that the policy states that the issue with the product must be visible. Ive attached a copy of the receipt which includes the policy, you can see that there is no mention of visible damage. Lastly, the manufacturer issue is UNBEARABLE.
Consumer complaint received 2023-07-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (FL)

Text message : XXXX XXXX Harris & Harris is a debt collector for XXXX XXXX XXXX. To Pay : XXXX or call XXXX. STOP to stop, msg & data rates may apply. 

Its always a new number and law group, the phone number used this time is XXXX already reported to FTC.gov, its only been a text message.