davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

On XX/XX/XXXX Monday XXXX I have money transfer from XXXX  XXXX  XXXX dollars that was initiated on a Friday and arrived Monday at XXXX. At XXXX I see a pre authorized charge from XXXX XXXX for XXXX XXXX I hit up my bank instantly & told them I did not authorize this? I hit up XXXX XXXX and they said a bank filed a dispute and took funds from my chime card that was attached on file. I was confused on what happened and see that I was scammed out my money chime took no action and closed my dispute leaving me of an inconvenience of XXXX $ short XXXX XXXX  cant do nothing neither can chime. I dont own a XXXX card Im not a member & dont know when I got hacked for this nonsense never authorized none of these transactions besides the XXXX $ transfer the dispute theyre talking about is from a whole month earlier??? I dont know whats going on
Consumer complaint received 2017-03-28
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (NC)

My card was missing and I reported my card lost on XX/XX/XXXX. The representative that I spoke with told me that they were sending me a new card and a dispute form to fill out, because they were unauthorized charges on my card. Two weeks later, I have yet to receive both items. I called Rushcard again and was told that they did send it, even though I have yet to receive it. After arguing with a supervisor, they sent my dispute form In two hours. They also told me that during the process, then I will be receiving a provisional credit onto my account while the investigation is takin place. I turned my dispute forms in on XX/XX/XXXX, and on XX/XX/XXXX, they informed me that there was nothing wrong with my account! They then tell me that I can file a rebuttal letter against them in order for them to re-open my case. I sent in the rebuttal letter three times and they told me various excuses as to why the fraud department could n't look at it. One representative even told me on XX/XX/XXXX that if I turn in my rebuttal letter, then I would have a provisional credit placed on my account. Throughout this time period, I still have n't received my new card. They said they sent it on XX/XX/XXXX and it is now XX/XX/XXXX. According to them, my card should have been here from 5-7 business days. Not only do I have a card, but I have also endured a loss of money because they failed to investigate the disputed amount that I inquired about. Because they failed to comply, I am filing this complaint, a complaint with the Better Business Bureau and I will also contact an attorney to sue, because of the loss that I had endured while dealing with Rushcard and their representatives and the damages they have caused. I am missing almost {$900.00} out of my account and they failed to investigate that and to give my money back. Because of that, I am at risk of falling behind on expenses that is needed to survive.
Consumer complaint received 2022-11-30
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. (AL)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX and XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX - ; XXXX XXXX XXXX XXXX Balance XXXX - ; XXXX XXXX XXXX, XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance XXXX - ; XXXX  XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX 2022
Consumer complaint received 2023-05-28
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)

Experian has all the wrong address and duplicates address not my address. 
I only have XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are my only legal address other than that Experian needs to prove all other address by deed lease of apartment or loan taking out in my name.
Consumer complaint received 2016-04-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Innovative Collections, LLC (CA)

Innovative Collections has several paid collections listed on my credit report. They have illegally re-aged the date resulting in a false date of first delinquency and causing this to be left on my credit report longer than it should be. In addition, they have the payment amounts and dates incorrect. There are several things wrong with their reporting which are negatively impacting my credit rating and ability to obtain new credit, including a mortgage. My wife is XXXX, we have a XXXX, and we are looking to purchase our first home.
Consumer complaint received 2023-03-25
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. (WV)

I found an inaccurate fraudulent account from XXXX XXXX for the amount of {$1400.00} on all three of my credit bureaus. It is for a XXXX XXXX credit card that did get behind on payments but it was caught up and paid in full. I made my first dispute XXXX and it was removed from all credit bureaus but TransUnion. TransUnion will remove it and my credit score goes up but they will attach it back again after a couple weeks causing my credit to fall XXXX to XXXX points at a time and it shows as a delinquent account. Please have this fraudulent predatory account from XXXX XXXX removed from TransUnion. They did put a note attached to my account showing dispute settled customer disagrees. I would like it removed entirely from TransUnion like the other credit bureaus done so it does not show as a delinquent account anymore. This account was paid in full years ago, thank you for any help on this matter.
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

On XX/XX/2024 I pulled my credit report and found that alot of fraudulent accounts were on there so on XX/XX/2024 I filed a police report about the claim.. I disputed it with all 3 credit bureaus but haven't heard back from them...
Consumer complaint received 2023-03-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

This account is showing closed/charged off on credit report but is still reporting that it is late every month therefore damaging my credit payment history. I reached out to the company and asked that they correct this and they stated they could not and also would not provide me something in writing stating when the account became charged off.
Consumer complaint received 2023-05-28
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Payfare International Inc. (TN)

My XXXX XXXX card was used for a purchase of {$99.00} on XX/XX/2023. I only had {$40.00} on my card when this happened. I don't see how this even went through but it did and caused the account to be overdrawn by {$59.00} and some change. I called XXXX XXXX as soon as I saw the charge when I woke up on XXXX XXXX  XXXX, 2023. They claimed to have started a claim to get my money back onto my card. I then received a notification that the charge was declined due to insufficient funds so I thought it would be remedied. However, it wasn't. I had to borrow money for gas and work my way back into the positive in order to make money. Since then I've called XXXX XXXX about 20 times trying to see when my money would be refunded. I've been hung up on numerous times, laughed at by different customer service reps and deliberately mislead and been given the number for XXXX XXXX Corporate Office in XXXX. On my most recent call the other day, I was informed there was no record of my having ever called about it. What the heck is going on with this company??? Please help me. FYI, my physical card was not lost or stolen. And also, I've never been able to spend one penny more than what is on the card. Thank you for your attention in this matter.
Consumer complaint received 2023-05-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (NJ)

On XX/XX/2023 I was contacted by this company in attempts to collect a debt that was caused by identify theft. I then proceeded to Dispute and I was later emailed that they are no longer handling this matter but continues to collect the debt listing amount at different amounts. I am a victim of identity theft and fraud. This has been a problem for me as it's been listed on my credit report. Ism requesting removal and Compensation.
Consumer complaint received 2023-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC. (CA)

I ordered a check book which was cancelled as lost and I was told that a new check book was sent. They did not give me any particular numbers of any check books. 
They sent me the first ordered check book which I was trying to use and I never received the second check book ( the second one was cancelled much later while I was talking to the representatives. I am still not sure it someone was using the second one which was actually lost ) I was charged for returned checks {$25.00} and {$85.00} because the bank cancelled these two checks. 
I called and message the bank multiple times requesting the refund and pay for bad customer service but they did not want to accept the bank customer service failure. 

Not providing a proper customer service, they not only embarrassed me in front of my client and made me loosing my money but also ( which it the worst part of all these ) made me almost passed the dead line of the important payment
Consumer complaint received 2022-11-30
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. (AL)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX and XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA 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 Balance : - ; XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance XXXX - ; XXXX  XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance XXXX XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX 2022
Consumer complaint received 2023-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2023 I initiated a transfer from my chase Amazon rewards account to my account with XXXX XXXX XXXX  in the amount of {$7200.00}. I received an email confirmation from chase that the funds should arrive to the destination bank XX/XX/XXXX. With the following order # : XXXX I never received the funds although the funds were taken out of my chase account. On XX/XX/XXXX I called XXXX XXXX XXXX they say the never received it. I called chase they say they sent it and confirmed the correct account number and routing number. At this point XX/XX/XXXX I don't have my money and each bank is sending me to the other bank. 

Please help me get my money back.
Consumer complaint received 2023-02-02
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. (PA)

Upon checking my credit reports, I've discovered several fraudulent hard inquiries from the following companies : XXXXXXXX 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
Consumer complaint received 2023-05-26
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. (NY)

XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$260.00} {$260.00} {$300.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 90 Days Late 90 Days Late 90 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Consumer complaint received 2023-05-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (PA)

In this month, XXXX XXXX, XXXX, when I got the paycheck I noticed over {$300.00} was seized without me knowing. I work as a driver for XXXX XXXX, so I had a friend call payroll for me, and I was on the call simultaneously. Cause XXXX contracts with XXXX for payroll services, we had to get in contact with XXXX, an XXXX employee, telephone XXXX, XXXX. We were told by XXXX, XXXX was following a XXXX XXXX from a New Jersey venue case. Problem is I domicil in XXXX  and prior to that XXXX XXXX. I got no Notice from either XXXX or XXXX payroll services, to allow me the opportunity to challenge the aledged debt. XXXX has all contact information for me. XXXX from XXXX stated they had no way to contact me. 
I asked for the supposed court order, but was never given it. I had to ask several times before I was given the Sheriff 's office who issued the writ and the unlawful debt collection agency ; XXXX XXXX. I called XXXX many times and to date, have not been able to speak to anyone. 
From the Sheriff 's office, I was able to view the Writ, and from what I read, this is supposedly a XXXX judgment order, in New Jersey [ court ], for which I never got Notice for such. I suspect the issue maybe an Identity theft one, as I have never had any accounts with the debtor. I checked the credit report for XXXX and nothing shows up for the said unlawful debt. I am waiting on reports from XXXX and XXXX, by mail. 

I truly have no idea what this is about, and I am unable to contact XXXX, to challenge the debt under 15 USC 1692g, and other debt challenges. This quite unfair and deceptive act and is causing me financial harm. 
Both XXXX and XXXX failed to notify me of this garnishment, putting me in stress and turmoil.
Consumer complaint received 2021-01-14
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: Navient Solutions, LLC. (MO)

A Sallie Mae Account Manager stated Make a payment of {$50.00} on XX/XX/XXXX & my account will be in forbearance until my next due date XX/XX/XXXX. You will not receive a negative report on your credit score if paid before the XXXX. 
I made the payment & still got a negative mark on my credit score. I did what was requested, I spoke of my concern about credit score & they made a negative report anyway. 

Also as of today Navient made a negative credit report although payment, interest & fees are to be waived until XX/XX/XXXX.
Consumer complaint received 2023-08-23
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. (AZ)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make a inquiry and view my credit report. This is a violation of the Fair Cru Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as pc the Fair Credit Reporting Act section 6l1.
Consumer complaint received 2023-05-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I just received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation