davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In 2016, I was banking with Bank of America and received a check and attempted to deposit it after doing work for a private business owner. After depositing the check, my account was frozen and I went into the bank the next morning to see what the issue was. As a young college  student that was only trying to deposit a check, I was terrified when the bank told me they would call the police to have me arrested. I was given a bad check and was placed with in the EWS and Bank of America did not lose any money because no money was withdrawn. They kept my savings and would not let me with draw it because they closed my account. They will not answer any of my questions or get into contact with me at this time.
Consumer complaint received 2021-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (ID)

I received an account suspension email from chime on XX/XX/XXXX and was told to provide certain documentation so a resolution can be reached - I even called a rep to verify that this was all I needed to do, and he confirmed in the affirmative that I'd need to send that information to XXXX. I promptly provided the requested information and documents within the same hour. 
The next day, the XXXX of XXXX, I received an email from chime requesting the same information I already sent in. I went ahead and resent the documents and information, with all new attachments, and to my surprise I got a response asking me to resend the exact same information. I did and this pattern repeated at least five times. In my final email to chime, I told them I was tired of this back and forth and to go ahead and close my account and issue me a refund. Chime promptly notified me of my account closure within 5 minutes of emailing and also mentioned that I wouldn't be getting my money back.
Consumer complaint received 2021-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC (NC)

XXXX  credit card through continental finance has charged me a late fee for a card I made a payment on that they never took. Every month I've had issues making payment on this card and no corrective action has been taken on XXXX  side to assist. Precious payment in XXXX and XXXX I had to call them over the phone to make..In XXXX I had to call twice because it had been over 5 days and the payment was not pending or posted. they claimed there was an issue when I called on XX/XX/XXXX but they NEVER contacted me in any form to let me know there was an issue. So I would have been charged a late fee had I not called back. In XXXX after month of having issues adding my valid XXXXXXXX XXXX account to pay ( routing number issue ) I added another bank and made the payment. Only for it once again to NEVER post. I have now been charged a late fee by the company. Despite having made a payment. XXXX  has done everything to ensure I can't make effective on time payments Attached you will find my call logs to XXXX  to make payments and ask questions about the account. What happens when I try to add my valid account information and proof that there were funds available in the XXXX account when I made the payment.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (CA)

On XX/XX/23 I logged into credit karma after checking an email stating I have new approvals offers for credit. I found that XXXX  XXXX XXXX  XXXX  was framed in people with a credit karma guarantee that XXXX get approved or they will pay me XXXX XXXX I applied for the. And and ultimately got denied, contacted credit karma via chat was on chat for extended period of time and got transferred to XXXX people or departments each stating theyre escalating my case and the next would be able to give me all I for needed to file claim for guarantee. None explained anything, the lady stating she was escalating my case to a department that only works with customers via email and now theyll give me the information needed, this was after they tried to tell me I logged into credit karma XXXX not us, I asked how I have the app I only use the app. Then after saying that she says oh I see then it shouldnt affect you then so youre telling me either youre lying or someone else logged into my account in XXXX? I didnt know you could have a credit karma XXXX XXXX XXXX the exact same credentials.. any company making you go through hoops for XXXX $ is scamming or perpetuating a fraud. I took the hit on my credit.. I have all the screenshots as proof.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) 3 Credit Bureaus are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

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 XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

From XX/XX/2021 to XX/XX/2021, I received phone calls from a number purporting to be a XXXX representative ( XXXX ). This number is actually a XXXX fraud number, and I was tricked into believing that the person on the other line was actually a XXXX representative. 

The person provided me a name and an employee ID number and notified me that my Zelle account was hacked and that someone had tried to perform an unauthorized wire transfer. I logged into my Zelle account on my own and discovered that it was in fact hacked by someone named XXXX, and so I had further reason to believe that the person on the line was someone from XXXX. He provided me information about my address and the location that I was in, and at this point I was convinced that I was talking to a Chase representative. 

The person on the other line told me that there was a hold placed on the supposed wire transfer, and in order to retrieve the money back, I would have to Zelle money to myself using my phone number to my phone number. To be more clear, I was using Zelle to send money directly to my own cell phone number. Although it seemed strange, I believed that this was alright because I was sending the money to my own phone number which should have been associated with my XXXX and Zelle acount. On XX/XX/2021, I sent {$2000.00} to myself. On XX/XX/2021, I sent another {$2000.00} to myself. On XX/XX/2021, I sent {$1200.00} to myself. In total, over the course of 3 days I had supposedly sent {$5200.00} to myself. 

I called this phone number directly during this time period at a separate time, and it took me to XXXX 's answering machine, so I knew this was a XXXX verified number. However, on XX/XX/2021, I had called the number again and this time spoke to an actual representative. After telling her the details of my case, she informed that this was a scam, and the scammer had masked their number using an actual XXXX number. She helped make a real claim to return my money. However, on XX/XX/XXXX, I received notice from XXXX that my disputed funds were not approved and that I would not be receiving my money back.
Consumer complaint received 2022-10-29
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: EQUIFAX, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  GEORGIA XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-22
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. (CA)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (PA)

report number XXXX for chime dispute from XXXX XXXXXXXX. chime gave me a {$1.00} check in the mail and sent the check back to chime because that is not the right amount im looking for the amount for the check is {$1000.00} & {$1900.00} the dispute item that was unexpected charge on my chime credit card account from 2020
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-23
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. (GA)

I do not recognize nor did I authorize it. I have never received any funds from them nor any lines of credit issued or utilized by myself. I never verbally or in writing gave anyone from the below companies permission to use my Personal information privately or publicly or in any sense to share XXXX XXXX XXXX ; XXXX XXXX  XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX  XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XX/XX/2023
Consumer complaint received 2021-07-05
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. (NE)

Equifax is using stall tactics in order to not investigate my dispute. I sent them my ID and a copy of my social and they sent a letter asking for that information when I sent and had the information notarized.
Consumer complaint received 2024-03-22
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. (CA)

I HAVE TRIED FOR YEARS TO HAVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I AM NOT SURE HOW XXXX XXXX GOT A HOLD OF MY PERSONAL INFORMATION BUT THE ACCOUNTS ARE NOT MINE, I NEVER PERSONALLY SIGNED ANY CONTRACTS WITH XXXX OR ANY OF THEIR AFFILIATES TO GET HTESE 2 LOANS, I HAVE REACHED OUT TO THE FAIR TRADE COMMISSION, I HAVE REACHED OUT THE BUREAUS. FOR YEARS I HAVE NOT GOTTEN A RESOLUTION. AGAIN THESE ACCOUNTS WERE NEVER OPENED BY ME, I HAVE MADE IT VERY CLEAR TO XXXX REPRESENTATIVES THAT THESE ACCOUNTS ARE NOT MINE, BUT THEY SEEM TO BE VERY CARELESS IN UNDERSTANDING THE FACT THAT I AM A VICTIM AND I NEVER OPENED THESE ACCOUNTS, ANY PAYMENTS MADE ON ANY OF THESE ACCOUNTS CAME FROM BANK ACCOUNTS THAT I NOT MINE, WHY IS XXXX PENALIZING ME JUST BECAUSE THEY DIDN'T DO A GOOD JOB IN OBTAINING ACCURATE INFORMATION. I EVEN WENT TO SMALL CLAIMS COURT AND STILL NOTHING.
Consumer complaint received 2023-07-23
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. (GA)

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 the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe
Consumer complaint received 2016-10-02
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FINEX Group LLC (CA)

I owned a XXXX XXXX XXXX. On the XXXX of XXXX XXXX I was stopped for driving with a suspended license. The XXXX had my car towed to XXXX XXXX XXXX XXXX and placed a 30 day hold. The amount was going to be very high to take out so I signed the title to the towing company so that they could lien sale it. After that, I never heard from the company ever again. No notice or letters giving me notice that I owed this amount. Then on the XXXX of XXXX XXXX I get this letter from the collection agency FINEX GROUP LLC Collection Services located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX. I informed them that I disputed this debt. XXXX XXXX XXXX neglected to give me proper notice that this was outstanding.
Consumer complaint received 2021-02-15
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. (MO)

XXXX and Transunion should not be reporting the following accounts as a collection on my credit report XXXX XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. The bureaus are also reporting incorrectly the following accounts as a collection XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report for reference. ) I was on a monthly payment plan and the payments were set up recurring automatically from my bank account. When I discovered they never debited my account I immediately contacted the billing department. I found out that the hospital/physician billing office doubled my monthly payment amounts at the beginning of the year without notifying me. I never received any telephone calls, emails, or letters regarding this change in payment arrangements. When I tried to make a payment to the billing department, they refused to take the payment and consequently, sent me straight to collections. In addition, I have been disputing these items on my credit report and the ( 3 ) bureaus continue to show the status of these accounts as not in dispute. This is false! I have been attempting for weeks to get the bureaus to report accurate information on my credit report. Please update my credit report to show that these items are in fact in dispute. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-02-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (TN)

XXXX XXXXXXXX XXXX TN Original Debtor IQ DATA INTERNATIONAL IN on XX/XX/2021 XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Remarks I called to attempt to verify a debt appearing on my credit report. 
1 ) Refused for two years to show desperation amount of carpet by showing when the carpet had originally been installed ( was told carpet had to be replaced when we moved out anyway when we moved in ) 2 ) Attempting to Charge me for Keys that i returned. How can i prove i returned something they don't give me a way of showing i returned it like a receipt. 

3 ) Refuse to communicate with me ( Hung up on me multiple times ) 4 ) Threatened me with Bad Credit and increasing fines due to interest.
Consumer complaint received 2021-02-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (OR)

I filed and waited nearly 6 months to get my unemployment and then when I did it was detect deposited into my pay pal account where after it was deposited I was able to use some funds to get caught up on bills and back debts due to covid 19 then pay pal froze my account for 180 days for what they say suspicious activity ive sent them all documents needed ive called them they never asked me to verify my transactions or told me what suspicious activity just froze my funds I need that money ive got family to support and with the covid everyone needs whatever help the can get I don't feel that pay pal is doing things according to the law and shutting someone off and freezing there funds in times of need for no reason isn't very justified or legal my next step after this is Congress and legal council and im gon na be taking pay pal to court woth a law suit if this doesn't resolve the issue thanks
Consumer complaint received 2021-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I replied to an ad at XXXX  for a goldendoodle puppy. The seller asked for {$400.00} deposit through cell. I contacted CHASE by phone and asked if that is ok and if the transaction came out to be fraud/scam or for some reason did not materialize, I asked if I can have the money sent thru XXXX reversed to my account. The representative from CHASE said YES and that CHASE have a claim process to do that and he told me to go ahead. I sent the deposit, and the day after, I found out that I am scammed. The seller is not in the address he gave. I called back CHASE to immediately inform them that I need the money sent reversed. The claims department said there is no way they can get back the money. They refused to give me the recipients bank account information, even if I told them that I will inquire with the recipients bank. I even called XXXX and the representative said they can not help me. 
seller information : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX. DOB :XX/XX/XXXX DRIVER 'S LICENSE : XXXX