davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
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. (NC)

In order to REMIND the XXXX and Transunion Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that XXXX and TransUnion BUREAUS MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$880.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$940.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$780.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XX/XX/2023 XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance XXXX {$1100.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX Balance : {$780.00}.
Consumer complaint received 2023-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On XX/XX/2023 I was scammed where {$1000.00} was taken out of my account in cash app and this was unauthorized. I filed a police report & tried disputing with Chime but they keep saying no error occurred & this is false an error did occur and I did not authorize a {$1000.00} transaction on my card for anything or anyone. I have tried to dispute this twice with chime and they will not come to a resolution with me and this is unacceptable.
Consumer complaint received 2022-10-17
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. (LA)

In accordance with Fair Credit Reporting Act these accounts have violated my rights XXXX XXXX XXXX -- XXXX XXXX XXXX XXXXXXXX XXXX XXXX U S DEPT OF EDXXXX -- XXXX U S DEPT OF EDXXXX -- XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXXXXXX -- XXXX US DEPARTMENT OF EDU -- XXXX US DEPARTMENT OF EDU -- XXXX 15.U.S.C 1681 section 602 A . States that 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 an account without my written instructions
Consumer complaint received 2023-07-20
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. (TN)

I have reached out to all 3 credit bureau and send off letter about this matter on my credit I am not pleasure on how this is being handle. 
specifically 15 US code s1681 s-2 responsibilities of furnishers of information to the Consumer Report Agencies by certain creditor listed on my credit report. 

According to Section 1681s-2 ( b ) furnishers of information to consumer reporting agencies such as creditor in questions, have a legal duty to provide accurate and complete information, however after careful review I have identified multiple and inaccuracies in the report of the following. 

US Dept. of Education # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been trying to get information from this company about the unknow account, I sent to the Credit Bureaus and to this company Certified mail, the unknow collection company account is listed below. 
XXXX and XXXX XXXX the full account is listed at Trans Union Both did respond back and there also unauthorized Inquiries on all three Credit Bureaus the Inquiries are listed below XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
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. (IL)

I contacted the credit bureau when i noticed i had several inquries that didnt belong to me .I called. They told me to notify in writting. i did so and all they said is they sad was send my id card and a bill with my address which was not true. my info is on the dark web i sent them the info. im contacting again because i just recieved inquiry on my credit and called and they did same thing. 

please help
Consumer complaint received 2022-10-17
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 vears.

15 U.S.C. 16815-2 ( 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 2024-04-23
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Americas Car-Mart, Inc. (OK)

I purchased a used vehicle a XXXX XXXX XXXX from a car mart in XXXX they never really told me the amount of the automobile which was for something around XXXX total the loan would have been XXXX for a XXXX XXXX XXXX car XXXX months later I got into a wreck and totaled the car between my insurance company and the car lot took XXXX months to do anything about the vehicle well the night before the insurance company was scheduled to pick up the car dealership came and picked the totaled car up and has since then resold the vehicle well I got stuck with the whole amount of the loan I received no help from either my insurance company or the car dealership I have since then lost my job and house and Im currently homeless and jobless struggling to just survive and I have no one that is willing to help me truthfully Im not sure Ill be XXXX XXXX XXXX
Consumer complaint received 2023-08-09
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. (NV)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

This letter serves as a formal complaint regarding my experience with Chase Bank 's handling of unauthorized account activity on my checking account. 

On XX/XX/XXXX, I discovered unauthorized charges on my Chase account. I immediately contacted Chase Bank 's customer service department and filed a formal fraud claim. During this communication, I meticulously reported each unrecognized transaction for investigation. 

It is important to note that I have been a loyal Chase Bank customer since XXXX and currently operate a small business, relying heavily on the security of my account. 

On XX/XX/XXXX, I received a letter from Chase Bank stating that only XXXX of the reported unauthorized transactions would be credited back to my account. This resolution leaves a remaining deficit of {$2100.00} due to Chase 's inability to identify these transactions as fraudulent within their established systems. 

I immediately called Chase to understand their decision and their response was that their system was not able to identify the fraud. It is strange that it identified XXXX transactions and not the rest since all transactions occurred in XXXX, a place I have never been or have contact with. 

Furthermore, I requested to speak to a supervisor to have a better understanding and he said that I may be the one trying to defraud Chase!. After being a long standing customer for so long, and Chase knowing my purchase patterns and behaviors, to say that was insulting and extremely rude. 

This incident raises serious concerns regarding the efficacy of Chase Bank 's fraud detection protocols. The bank 's failure to identify and prevent these unauthorized charges exposes a vulnerability within their system, potentially impacting the financial security of numerous customers. 

I urge the Consumer Financial Protection Bureau to investigate Chase Bank 's practices in identifying and resolving fraudulent activity. Furthermore, I request a review of Chase 's fraud detection protocols to ensure sufficient measures are in place to safeguard consumer financial information and prevent similar incidents in the future. 

Thank you for your time and consideration. I am confident that the Consumer Financial Protection Bureau will take the necessary steps to address this matter and protect consumers from such occurrences.
Consumer complaint received 2022-12-12
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. (CA)

When I investigated my updated credit report, I see that the same account was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$7900.00} ; XXXX XXXXXXXX Balance : {$7900.00}
Consumer complaint received 2022-10-17
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. (MO)

This account was opened due to Identity theft I contacted the bank the bank sold the debt to XXXX XXXX so I contacted XXXX XXXX to get the item removed XXXX XXXX has refused to remove from my credit report and also to produce any documents showing that I owe this debt they can't show that I owe it because I did not open this account
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

- Without my knowledge and authorization, Bank of America charged me for the " Check Image Fees '' as " Bank Charges '' for the months of XXXX, XXXX, and XXXX of 2023, {$3.00} for each month with the total of {$9.00}. 

- Upon noticing it, I called the bank in the month of XXXX and asked for refund. Bank refused to return without any reason. 

- At the same time, I requested the bank to remove any online banking settings that would initiate such charges. Bank confirmed that they removed it. 

- There were no such charges for the month of XXXX, XXXX, XXXX, and XXXX of 2023. 

- Once again, to my surprise, the same charges were again applied to my account for the month of XX/XX/2023. These charges were not authorized by me. 

- I called the Bank of America twice to resolve this issue. The representative that I talked to were unable and unauthorized to remove these charges. They were also not able to connect me the supervisor or any other higher authority who can discuss this issue with me and resolve it. 

- I was left with no other option but to escalate this issue to all the relevant government authorities who can help resolve this issue. 

XXXX Bank of America chose to completely ignore me, I feel very helpless. That should not be the case. Bank should be held accountable for their actions. 

- I need someone to help me.
Consumer complaint received 2023-09-05
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2023-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Movement Mortgage LLC (VA)

On XX/XX/2023 I received an email from Movement Mortgage verifying that payments I made in advance were being applied to extend my due date to XX/XX/2023 with a leftover credit of XXXX to ne applied toward XXXX 's payment. 

They were notified XX/XX/2023 that my bank account was closed due to fraud and my automatic payments were discontinued. 

In attempting to get payment address for a cash payment to be sent in XXXX, I was notified that I had {$150.00} in returned check fees for XXXX, XXXX, and XXXX, when no payment was due. My payment was extended from XX/XX/XXXX, to XX/XX/XXXX, with the additional principal I had already paid on the loan. 

They are refusing to take off the returned check fees for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on a closed account, with NO payment due Your help is appreciated, Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (LA)

I would like to start off by saying that NATIONAL CREDIT SYSTEMS INC is not licensed to collect debt in Louisiana. I have not consented to, authorized, nor benefitted from this account appearing on my credit report. National Credit Systems is using unlawful, extortionate means to commit abusive, deceptive, and unfair debt collection practices. I am not liable for this debt and I do not have a contract with National Credit Systems Inc. National Credit Systems has not provided me with the original trilateral contract as requested between I, the consumer, National Credit Systems Inc , and the original creditor, to show I have any contractual obligation to pay this alleged debt. I am demanding that National Credit Systems Inc cease all forms of communication with me through any and all mediums unless it pertains to my remedy. My credit report is also considered a medium. I am demanding deletion of collection tradeline from all consumer reports.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

I deposited {$4000.00} in funds into a bank account and the funds were inaccessible for nine business days due to a hold. When calling the bank, XXXX refused to remove the hold or allow me to access my money and told me that I agreed to the disclosures, which were over a XXXX pages long and very confusing to read.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2023-11-10
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. (IL)

There is a non verified XXXX/ credit card on my credit report, I did not authorize. There is also a hard inquiry on my XXXX report. The card is showing on my bureaus. I requested directly for XXXX to remove the card off my credit report, and it has not been removed. I requested the unauthorized inquiry to be removed and its still there. It has effected my credit score and I want it corrected. In addition Experian has not removed this XXXX/ credit card off my credit report, nor have they replenished the XXXX points I lost from the card being added. I dont have this card in my possession, I have not used this card nor activated this card, I did not request this card. PLEASE REMOVE THIS CARD AND ITS HISTORY COMPLETELY OFF MY CREDIT REPORT! Thank you in advance
Consumer complaint received 2022-10-24
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (GA)

On XX/XX/2023 I called ( XXXX ) XXXX ( the automated system verified my account by hanging up and calling me back ) to inquire about a refund from XXXX in the Amount of {$48.00} for a product that I didnt receive. There was only {$6.00} deposited and I was inquiring why while I was put on a brief hold there was roughly a {$150.00} that was moved out of my account and the balance showed {$0.00} and the called dropped. 
I called back ( XXXX ) XXXX the automated system verified my account by hanging up and calling me back. I was explain that I was on the phone with a representative and she was checking on a partial refund from luminess as I was explaining that the {$150.00} that was moved to my checking account which made it a total of {$340.00} the total went to {$0.00} so now my checking and and credit builder count has been depleted and the call dropped. 
I called ( XXXX ) for the XXXX time I explained to the representative that I called to inquire about a partial refund today I was given as I was on the phone with the representative my money was moved from my credit builder account account into my checking account then transferred to someone That I dont know who it is it was stolen while I was on the phone with your customer service. 
I have been given the run around for a week and a half with you all I am very dissatisfied as a customer I have been given a different story every since the day I have called to file a report. My money was stolen Im just asking out for justice. As of XXXX XX/XX/2023 XXXX XXXX I have filed my 15 Rebuttal and still have yet to receive any documentation on how they determined a denial! 
Regards, XXXX XXXX
Consumer complaint received 2024-04-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (WA)

I was stranded at the airport and needed a last minute flight to replace a canceled flight. It was XXXX XXXX and there was no customer service around. I tried buying a ticket on my phone, but the payment method did not go through, so I tried with affirm, which also did not work. I had to wait until staff came at XXXX XXXX and purchase a ticket directly with them by credit card at the terminal. However, Affirm proceeded to charge me for not one but TWO tickets anyway, tickets that I never received from them, and the loan was only approved three days AFTER the flight. How do you sell someone a ticket for a flight 3 days in the past? I tried calling to get the charges cleared and their customer service refused to do this. The air carrier can not refund without a ticket number, and I never received the tickets. This ruined my vacation. Affirm wont relent in insisting on charging me for non-existent tickets. Ive had to spend hours on the phone dealing with this and it is still not resolved. 

The flight was for XX/XX/XXXX purchased XXXXXXXX XXXX that morning for a XXXX XXXX  departure. The ticket was {$260.00} and was paid with a XXXX XXXX card at the terminal. Affirm is charging me for the sum of XXXX additional non-existent tickets for a total of {$550.00}. Their customer service refused to cancel these charges.