davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

Within the last year I opened an account with Chime to allow me to send money to one of my children who does not have access to a regular bank. I did not use account very much. I recently received an insurance settlement check, which was deposited in to my XXXX checking account. On XX/XX/2023 I transferred a large amount from my XXXX account to my Chime account. Chime held the funds for a week. At the end of the week I attempted to send money to my child to his Chime account. In the Chime app I was notified that due to unusual activity limits were placed on my account until I verified myself, proof of where I acquired the money. 
I struggled to use the app, as it kept crashing, and the links sent for me to use did not work. Emails sent to Chime support, using the address they provided did not work and were returned. I tried calling Chime suppprt and could only reach individuals who could /would not offer explanation or solution, only repeatedly stating things not in question. 
A tech savy person figured out why links were not working and I was finally able to send information Chime asked for. I sent a written explanation of where the money originated from. Isent a selfie with my face, and me holding my driver 's license and social security card, a copy of social security card, letter from insurance company showing settlement and the amount of my deposit, bank statements from XXXX showing deposit of said settlement, bank statement from XXXX showing transfer of money to Chime. Chime still will not remove restrictions from my account and asks for more proof. What elsc couldnI have to provide to access my money.
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-11-04
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. (NY)

All student loans are paid in full/XXXX  balance. This includes DOE XXXX XXXX, XXXX ( now XXXX ) and XXXX. The balances are reflected as paid in full/XXXX  balance on the credit report, however, the accounts are still showing as delinquent and negatively impacting my credit score. XXXX  informed me that the credit bureaus had been notified in XX/XX/2022 that all balances are paid in full/XXXX  balance yet Transunion on XX/XX/2022 informed me that XXXX ( now XXXX ) is still reporting as delinquent. I would like all delinquent accounts that are paid in full/XXXX  balance to be removed from my credit report.
Consumer complaint received 2023-06-05
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. (FL)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-15
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: Experian Information Solutions Inc. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  ( Original Creditor ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I checked my credit report and seen that there were discrepancies, and the incorrect address is XXXX XXXX XXXX XXXX XXXX XXXX, GA. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2023-04-18
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 items and update them immediately in my report : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2022-11-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MO)

I sent a payment through online banking at XXXX  XXXX XXXX XXXX Ally Financial XXXX XXXX for an auto loan for {$470.00} that settled on my bank account on XX/XX/XXXX. We received an email that we hadn't made the payment. When I looked online at XXXX I realized I made the payment on a loan that we had already paid off. I immediately called Ally on XX/XX/XXXX. They gave me a case number and told me to check back in XXXX to 3 days and payment should be processed. Still nothing. On XX/XX/XXXX I called again and they told me to fax in proof of payment and a letter explaining what happened. I did that on XX/XX/XXXX. On XXXX I started an online chat to see if they received my fax and status. After almost an hour of going back and forth with the agent he told me that the payment was posted to the account. I explained it wasn't showing online and still receiving emails and text past due. He then tells me it was applied to the old account and any overpayment will be returned. As it continues he just tells me the overpayment will be returned. I ask him for proof and details. He finally stopped answering on the chat. On XXXX I started an email after the chat got no where. I attached the fax and the chat. The person in email told me I needed to call XXXX the refund was made to them and gave me the wrong phone number the first time. I kept asking who XXXX was because I've never dealt with them. He told me that is who processed my payment.This email train goes back and forth for 3 days. No matter what I ask I'm told to contact XXXX I have also been verifying with XXXX that there is no return. I finally got through to XXXX on XXXX around XXXX after an hour on hold and she explained to me they process the payments for Ally that are done on the phone and online in their portal. They do not process the payments that I generate from bill pay at my bank. She did put me on hold and told me she was contacting escalations to see if they could find the payment. She came back and told me no and that they wouldn't have the payment because I processed the payment online at XXXX and I needed to talk to Ally. She put me through to them. I repeatedly asked for a supervisor and was told she would have to fill out paperwork and it would be XXXX to XXXX business days. I have also sent another email asking for a supervisor to contact me.
Consumer complaint received 2024-03-26
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. (OH)

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 XXXX XXXX XXXX. 

has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-03-27
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: EQUIFAX, INC. (NJ)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (KS)

On or about XX/XX/2022 LVNV funding called my work number and spoke with my boss also my brother about a debt that I owe. The collar kept insisting that it was XXXX that he was speaking to when he in fact was speaking to XXXX he stated that I needed to take care of this debt or they were going to take me to court or has told the gentleman three times that he was not me and that they had been told previously not to call the work number they had my personal cell phone number. I do believe that this is a breach of my privacy especially since I never authorized or entered into a contract with them and I never gave permission for anybody to share my personal information with a third party! I feel that I am entitled to compensation and I believe that lvnv funding needs to correct this and remove those negative items from my credit reports. I filed a grievance with a XXXX XXXX XXXX against them against XXXX and XXXX they kick the XXXX and XXXX back saying that that was not an issue with them I had to take it up with LVNV. Prior to this my brother had agreed to cosign a loan in the amount of {$15000.00} for myself to make necessary repairs on my house since then he has decided against this because of this action this has really hurt me financially and I don't think they should be able to get away with it
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

Apparently someone with a similar name to mine filed bankruptcy in the and it appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtor 's full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately. How is this information verified and where. There was a wrong SSN listed on my report at one time, so it is possible that additional information could in fact be in correct. I had to resend the letter, twice to the credit bureau. Both time they denied receiving it. In addition, the court clerk told all bankruptcy information is only available third party and they do not have all the information in the file because it is a sealed file. My home is a rental and I still receive mail from pass tenants. I believe this is not factual and should be removed from my credit report.
Consumer complaint received 2022-11-05
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. (MI)

Hi, XXXX XXXX XXXX XXXX are trying to collect a debt that I do not owe to them & I have never done business with XXXX XXXX  XXXX XXXX XXXX The amounts they sent to me are very confusing and misleading please immediately remove the okinus account from my credit file. They are in violation under the FDCPA & the Truth Lending Act. Since this has been multiple ignored attempts I am seeking litigation for damages. 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 XXXXWashington, DC XXXX
Consumer complaint received 2021-03-21
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: CITIBANK, N.A. (NY)

Inquiry date : XX/XX/2020 Removal date : XX/XX/2020 Bank installment loan I went to citibank in person to request information about availabilities regarding a loan, but i did not request any loan or line of credit and i did not authorize for them to pull up my credit - they never told me they would do this especially in a middle of a pandemic. Again, i just asked information, i did not request ANY line of credit, i just simply wanted to know information. I want this inquiry to be removed.
Consumer complaint received 2024-03-26
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. (GA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Consumer complaint received 2022-11-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

I sent off certified mail with return receipt to WELTMAN, WEINBERG & REIS CO., L.P.A on the 1st of this month and have not received the return slip in the mail yet. This is pertaining to an attempt to collect a debt for XXXXXXXX XXXX XXXX by Weltman, Weinberg , Reis Co., L.P.A.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

XX/XX/2021, XXXX XXXX XXXX  declined my option to open a checking account based on ChexSystems records indicating that there is a 3rd party alert on my profile. 



XX/XX/2021, XXXX XXXX XXXX XXXX declined my option to open a checking account based on ChexSystems records indicating that there is a 3rd party alert on my profile.
Consumer complaint received 2023-05-20
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. (NY)

The following inquires are fraudulent and are not made by me : XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-06-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

Commenity Bank calls every day of the week including Sunday. They call all day long back to back. I have gotten in trouble at work for my phone repeatedly going off. I have had to silence all calls coming in to my phone unless the number is in my XXXX just so I can keep my phone on. XXXX cant record videos or take pictures as soon as I do, one of their calls comes through and stops it. I have told them before that calling that much is harassment. I know I need to pay and Ive apologized to them stating I extend to make payments and I do when I can I am just in a really bad spot financially and cant make the full payments right now. I dont know what to do to get them to stop.
Consumer complaint received 2017-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-03-12
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: Experian Information Solutions Inc. (AZ)

I initiated a review with the Experian and XXXX   beginning in XX/XX/2017 because I believe my Bankruptcy had been recorded with the court but has been reported by the credit bureaus inaccurately and not in compliance with the Consumer Protection laws.
Consumer complaint received 2018-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Around 2014, I went to a Wells Fargo branch to open a checking account for my small business. I needed the account to help process credit card payments. I own my business, and don't necessarily do many transactions in one month, explained this to the teller and they recommended a business checking and savings account. I understood that if I made a recurring transfer of {$150.00} into the savings account every month, then there would be no other fees associated with either checking or savings account.

Now I was just looking at my statement and saw a " monthly service fee '' charged by Wells Fargo for {$14.00}. I then did a search and saw that this has happened four times, totaling {$56.00}. I called Wells Fargo, and they informed me that in XXXX, my account had been " upgraded '' to a " Business Choice '' banking account. They said they " informed '' me of this upgrade on my monthly statement that I only receive electronically. The Business Choice account apparently has a service fee if the checking balance is below {$7500.00}. 

I did not consent to my account being changed. I opened that specific type of account for a reason. This is my money. They should not be able to change it to a different structure just to fit their profit requirements. 

Even if they did need to change the account type, I didn't receive the notice at all. Changing my account type by informing me in a monthly statement is completely unreasonable. No one would expect that to happen in a monthly bill. 

After several transfers on the phone and having to request to speak to a manager, Well Fargo did refund the money, and I was able to set up another account. However this took yet another fee. 

This is totally unacceptable. Wells Fargo has been trying to rebrand itself after several disasters of destroying public trust. Obviously, the system is still broken.