davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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 (TN)

Hello My name is XXXX XXXX. 
XXXX I used " Chime '' financial institution to pay for a stay at a hotel, called, " XXXX  '', XXXX XXXX XXXX XXXX, XXXXXXXX XXXX 

The cost of the stay was {$110.00} for XXXX night from the XX/XX/2024XXXX but I was charged an extra {$100.00} which total {$210.00}, that was taken from my Chime account. 

I placed a Dispute in on my behalf at Chime on XX/XX/2024. The representative of Chime reached out to " XXXX '' who stated that they would not be giving me the money back. It was then the dispute was filed on XX/XX/2024. 

" CHIME '' have confirmed ( By several Managers ) that the extra {$100.00} has been taken from my account, but the money have not been placed back into my account. 
I was told that the money would have been accredited back into my account on XX/XX/2024, however it was not. 

I called to see what happened and I was told it was placed in the wrong " category '' that made it ineligible for a {$100.00} credit, so they " recatorgorized '' it at that time, to put in the proper category. 

I was then told, in which they stated that if it was not resolved by XX/XX/2024, it would be credited back into my account, however I decided to check on the dispute following that, just for updates, and the dispute was denied, upon speaking to a representative i was infomed of it. 

After finding out that it was denied, I questioned for what reasoning, when it as evident that the money was missing, I was told that it was " reopened '' because it shouldn't have been closed because it is obvious the money was taken and it was unauthorized, as I stated. 

I was also informed that it would take up to XXXX  days to resolve, when it states in the dispute per my claim, that it takes XXXX Business days. 
Seeing that my dispute has been restarted XXXX  times, it has exceeded that time frame and prolonged. 
My concern is that the investigation has restarted XXXX different times and the problem is still not resolved. 

I do NOT have money to give away and neither do I have time to continue waiting for it to be credited back into my account, it is going on a full month since the dispute. The merchant is not returning the money so it is unclear why Chime have not given me the money back. 

I have been getting the runaround pertaining to my money that I entrusted with this XXXX XXXX. My money as a consumer and customer of Chime is covered under the " FDIC '', which is another reason why I do not understand why my money has not been returned to me, after confirming the unauthorized charge and the merchant is in Non-compliance with the investigation. 
Today is XX/XX/2024 and I have not received my {$100.00} back into my account.
Consumer complaint received 2023-01-25
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. (TX)

My name is 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 2023-08-10
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. (VA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX Balance Owed : {$4300.00} ; XXXX XXXX  XXXX XXXX Owed : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$900.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-08-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lugano Capital, Inc. d/b/a Start Auto Finance (FL)

2019 debt was settled and no collection was added. They reporting on my credit as collection and is effecting my credit of every living. They are reporting this as a debt and collection and need to be removed by the creditor. By USC code
Consumer complaint received 2023-08-10
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. (TX)

I sent a letter last XX/XX/XXXX to remove/block he listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX Balance : {$430.00} XXXX  XXXX Balance : {$0.00} XXXX  Inquired on XX/XX/XXXX 2021
Consumer complaint received 2018-04-13
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. (CA)

XXXX XXXX and Experian are reporting inaccurately on XXXX XXXX XXXX  account XXXX.After repossession of a car in or aboutXX/XX/XXXX, the account was charged off for {$5800.00} in XX/XX/XXXXThe car had an auction value to reduce the loan indebtedness, yet it is not depicted in the balance histories.The charge off indebtedness increases from {$5800.00} in XX/XX/XXXX to {$9000.00}, the following month in XX/XX/XXXX.After dispute with all 3 bureaus Experian says on the report, {$7100.00} past due inXX/XX/XXXX.In XX/XX/XXXX, the reports of all 3 bureaus say {$9900.00} past due.The Fair Credit Reporting act entitles me and is required by law to be accurate, complete and clearly depicted on my credit report.All 3 bureaus are inaccurate and incomplete in the reporting of the XXXX   account and are required to correct or delete the reporting.That has not been done in any of the previous recent disputes with all 3 bureaus.
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (FL)

I have tried to communicate with the company and I have not been able to solve it because they do not speakXX/XX/XXXX, they always have to call me back and no one contacts me, I have disputed several times and they always return the same answer, the point is that I am trying to call them so that they can send me information Regarding the account details, they have never sent me a letter by postal mail or by email, how will I be aware of a debt if they do not contact me and I can not communicate when I call them, the fact is that this supposed account in collection continues to affect my credit and I can't solve it.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

When I checked my credit report and discovered late payments on the following dates, I was astounded. I know that I have the right to know where this negative items a re coming from and delete them immediately since it was a clear violation of 15 USC 1681 section 602 A which states I have the right to privacy.
Consumer complaint received 2023-08-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To, Transunion Fraud Department Re : Identity fraud victim These credit file or report inquiry was caused by unauthorized use of my social security information and card, to whom it may concern. I did not give my consent for these inquiries to be made in my name, and neither do they pertain to anything I did. All of this is unknown to me. In accordance with 15 U.S. Code 1681c-2, REMOVE this information no later than 4 days after getting this letter. This letter was not sent inadvertently or in mistake. To ensure that this is deleted within the specified time period, your business must adhere to the correct procedures. 

1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. Did not consent to unauthorized inquiry. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I held two separate accounts with XXXX XXXX XXXX. XXXX account encompassed a lease for a XXXX XXXX, while the other involved a lease for a XXXX XXXX. The XXXX lease was entirely settled onXX/XX/2023, and the XXXX lease was similarly paid in full on XX/XX/XXXX. Despite these complete payments, XXXX  proceeded to label our accounts as delinquent to XXXX XXXX XXXX. Consequently, both my wife 's and my credit scores experienced a substantial decline of XXXX points. 
I diligently submitted all necessary documentation to XXXX via their web portal, and I even engaged with their representatives on two separate occasions ( early XXXX and XXXX ). RegrettablyXXXX XXXX XXXXas yet to rectify the erroneous impact on our credit ratings. I kindly request your assistance in resolving this troubling matter promptly.
Consumer complaint received 2021-05-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I filed a complaint with the CFPB around XX/XX/2021 against Transunion for not deleting an account on my credit file for several inaccuracies. I believe they retaliated by Deleting a positive account from the same company. When I found out about this positive trade line  being removed XXXX  employee tried to tell me it was XXXX who removed it.so I called XXXX and after investigating they told me what really happened it was XXXX  who Deleted my positive account. The date of removal was XX/XX/XXXX and please have them show the reason for their actions? That account was my oldest it had over 20 years of good reporting.
Consumer complaint received 2021-12-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

I paid my XXXX balance early on XX/XX/29 and made a second payment on XXXX. The first partial payment was incorrectly apportioned to either my principal balance or miscellaneous charges since it was made on XX/XX/29. I spoke to Toyota about this on numerous occasions.

A late payment was reported to my credit which affected my ability to refinance my home during an open divorce proceeding. I wrote to Toyotas credit department to resolve and more information was requested via mail. I wrote to them again with proof of payment and and explanation of the circumstances and have not heard back. My refinance is on a time limit and I need this information urgently updated. I paid everything on time each month before and after this incorrect report. This is affecting my life and I would just like it corrected.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

Honor about XX/XX/XXXX Discover card withdrew a {$1000.00} after I was approved for a 3 on secured credit card. Upon not receiving the card it took them a month to mail out when I went to activate it they said there was an IRS form that I needed to bought file and balance of XXXX temps were made over XXXX phone calls which took about a month. After this I made a final call and i'd spoken to somebody and they said oh it's just gon na take a couple days and it will be turned on 2 days later they turn my account off and at that point didn't inform me I asked them to call me and they didn't call me I asked them what they're gon na do to compensate me for the fact that they help a XXXX of my dollars for 4 Months. I also made the claim abroad because they were advertised on a site trying to build credit and when I gave them the money to build my credit when they close my account my credit score dropped tremendouslink when I spoke to someone this last time asking why my account was closed and why they decided to sit there and take that disaction they said they couldn't verify who I was although I filled out all their paperwork And now they said they wan na wait 2 more months before they return my money at this point I'm like OK it's if I had your {$1000.00} 6 Months you would charge me interest I feel like after holding my money for that long they should have to pay me the interest they would have charged me not to mention the compensation for damaging my credit s cool and the guy said that there's nothing he will or could do and there's nothing in place to sit there and take care of someone in this ration The Thing is they took my money before they ever asked for this verification of who I was and if they would've done the verification before they ever withdrew the money There wouldn't have never been an issue
Consumer complaint received 2023-08-10
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$14000.00} XXXX BANK XXXX Balance : {$35000.00} XXXX XXXX BANK XXXX XXXX XXXX Balance : {$2300.00}
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FREEDOM FINANCIAL NETWORK (TX)

I contacted the Company FREEDOM DEBT RELIEF to help me settle with XXXX XX/XX/XXXX because I had lost my income and I fell behind on paying my credit card monthly statement. FREEDOM DEBT RELIEF informed me that they could help me cut the debt in half by settling with XXXX on what I owed them which was about 5000 dollars but after paying FREEDOM DEBT RELIEF XXXX every two weeks for about eleven months, they did not try to settle with XXXX XX/XX/XXXX until I called to ask why. Then I found out about all the fees that I had accrued over the eleven months that I was not made aware of that added up to more than I would have paid if I would have just paid the debt off myself. I am very Disappointed with the FREEDOM DEBT RELIEF COMPANY and I know I can not get my money back from them until I pay all the exorbitant fees that they have added on. I have paid them over {$3400.00} dollars when to settle with XXXX was about 2800. I offered to pay them the {$1000.00} they said that I owed them to settle with XXXX XXXX  at the end of this year but they said I would have to pay them close to {$2000.00} with the other fees that they have added.
Consumer complaint received 2023-08-10
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. (CA)

I reviewed my consumer reports and noticed that I had one late payment on an account 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 account ( account name XXXX XXXX XXXX XXXX ( account number XXXX ) please investigate and provide proof with statements showing that these payments were late .if proof cant be provided I demand these late payment be updated to on time as they should be as I was never late, Thanks
Consumer complaint received 2023-06-16
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. (PA)

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX Balance : {$4100.00}
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Subject to Subsection ( C ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I did not consent to XXXX XXXX to report any student loans to my credit report. I have no knowledge of these accounts and I demand the removal of these student loans reporting on my account immediately.
Consumer complaint received 2023-06-29
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.