davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
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 (CA)

I filed a claim with Chime a few days ago I filed the claim as soon as I found out that there were some authorization sections on my first I found out that my wallet was lost or stolen and then I checked my Chime XXXX account to see if everything was fine and then I found out that there were some unauthorized transactions on my account so I immediately called Chime to to have my card close and and file all dispute transactions. A few days later I receive an email stating that my claim was denied and based on the information they received I asked for that email to be sent to me. They told me that I have to wait 10 business days to get that email so I filed an appeal with Chime again and just to find out that on the same day that I filed the pill, they told me the same reason that my claim has been denied that they. They did their investigation and everything was fine. It seems like I made those transactions. I told them that my wallet was lost. My driver license was lost in another car was lost. They didnt care. I dont know what type of investigation they did that it was ultra fast within a day, and I asked him again for all the documentation they gather to, give me the decision on the claim that I filed. I also did my own investigation. I called the merchant who use my card, and I told him what happened. I gave him my debit card number but according to them, I dont have an account with them so they were not be able to release any information to me only to the account holder
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

ve Asked XXXX, XXXX XXXX, and also XXXX, to do a verification on my credit report and theyve stated that everything was accurate And Verified. 
Ive seemed un ease with these responses and Ive had to do my own investigation and research towards my credit report. 
While investigating Ive found thorough inaccurate and inconsistencys that are being reported even though Ive asked these companies for a proper and accurate research. Ive Called Each Company And Mailed A Letter For A Valid Response For These Inconsistencies Ive Also Mailed Letters For This. 
For Accounts : XXXX XXXX XXXX XXXX Account XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Company Name : XXXX XXXX DISCOVER BANK Account XXXX Company Name : Discover XXXX Account XXXX Company Name : XXXX XXXX XXXX XXXX, XXXX. 
Account XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX XXXX, XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (NJ)

I lived in the apartment of XXXX XXXX and left early due to my immigration status changing which caused me to not be able to work. I reached out to the property XXXX XXXX XXXX via Email communications and informing her of my circumstances, I requested to Terminate my lease early in XX/XX/2023 and forgo my security deposit. XXXX contacted her corporate office and they approved allowing me to end my lease two months early without having to pay back rent as long as i leave by the XXXX of XXXX. The amount of money which is being seek in collections is after the agreed upon move out date of XX/XX/2023 this was not what me and XXXX apartments agreed on meaning this collection request is in error i have attached all communication between myself and the property manager XXXX XXXX
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the credit reporting act this creditor XXXX XXXX has violated my rights under 15Uc 1681 section 602 states that I have the right to privacy 15Uc 1681 604a Section 2 also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15Uc11666B a creditor may not treat payment on a credit account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In my previous complaint Capital one responded that everything was verified accurate and complete but how if the date they stated the account was charged off was XX/XX/XXXX but the fall off date is XX/XX/XXXX see attached screenshots. 
They said the account was open in XX/XX/XXXX but why does the balance history starts from XXXX? Where is XXXX XXXX and XXXX. It is like that because you have all the information jacked up and won't correct it .You are on notice that you are reporting inaccurate information and violating my rights under the fcra.
Consumer complaint received 2023-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (GA)

I received a letter from Source Receivables Management dtd XX/XX/2023, enclosed with statements with my name, but not my address, with a phone number, but not mine. I asked them to provide me with a contract of the original debt, and they provided me with some statements and typed my name out. I am not aware of this bill and I tried to reach out to them and they refused to take this off my credit. 

This is presenting a hardship for me as I need to have my credit in a position to maintain gainful employment. I need this to be removed asap.
Consumer complaint received 2017-03-30
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: JPMORGAN CHASE & CO. (FL)

XXXX, a company in XXXX, California posing as a collecting agency for JP Morgan Chase bank, collected money I owed Chase bank but did not pay this money to Chase bank. Chase bank denied XXXX was their collecting agency.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

i received alerts on my credit report that there was inquiries added to my report that i did not authorize. i was not present to consent to those unauthorized inquires. i reached out the creditors to provide my written consent to give authorization to pull my credit report. this is the same car lot that misused my information the first time trying to obtain a car loan in my name. The Inquires that are not authorized are the followingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2023-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (GA)

American First Finance continued to charge me for items that I did not receive. When I asked them to update the contract, I was told that they weren't able to do so, but that my balance should reflect the correct amount. Months passed and they continued to withdraw money out of my bank account without the balance changing. When I called to speak with customer service, I was advised that they could not speak with me unless I provided my full social security number since they couldn't validate my address. In addition to this being against my consumer rights, they advised that my address had been changed by someone inside of the store when I had not stepped foot a store. When I continued to ask them who changed it and what store they changed it at, I was told that they couldn't tell me because I couldn't validate the account and would not speak with me about the account unless I provided my full XXXX social security number. The only purchase from them was XXXX queen sized mattress sets. The contract that they continued to honor shows a dining room set that was never delivered and should have been taken off of my contract. They never did. I was severely overcharged for the items purchased from them. I haven't been successful in speaking with them due to my refusal to provide a XXXX social security number ( again, a violation of my rights ). They have now begun reporting false information on my credit profile. This has to stop!
Consumer complaint received 2015-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc. (NC)

i have an account that you are reporting that is not mine my information was stolen and used to open up this account but this company is still reporting it on my credit and has it on their files to collect
Consumer complaint received 2024-04-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

XXXX originally billed me for services after I turned off my service more than 10 years ago in XXXX. I contacted XXXX and I was told I did not owe it. XXXX XXXX  XXXX turning this over to collections with direct companies, the latest being Southwest credit, and I have disputed it on all three credit bureaus. It was taken off of one but they refuse to remove it completely and they keep changing the date so that this last attempt says the debt is from XXXX  XXXX and this is just a lie. I placed a statement on my XXXX  credit report. I want XXXX and Southwest credit system to remove this permanently and stop harassing me.
Consumer complaint received 2023-06-15
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. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-21
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. (GA)

I noticed damages on my credit report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character.
Consumer complaint received 2023-08-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Byrider Franchising, LLC (KY)

Short summary of what previously happened was that I setup scheduled payment arrangements for XX/XX/2023 to make my account current. Payments where processed on that date without any problems. Agents from cnac began to call me a couple days after the payments where made harassing me about a XXXX XXXX  balance on my account. I asked where did the XXXX XXXX balance come from. They informed me that they processed a payment for XXXX cents instead of the XXXX payment. I asked why was it processed this way. The agent I spoke with wasn't able to inform me of what happen or why it happened. I asked to speak with manager for explanation and the agent informed me that I was unable to because the senior account manager was busy. I then asked for a copy of all my payments I had made from the start of my loan until now. The agent stated that the computer system was down and he would email me a copy later. He then kept making efforts for me to pay the XXXX XXXX. I informed him that I would not do that being that I wasn't the cause for the balance. When my payment was processed there was not insufficient funds and payment went through. Also that I would being paying a processing fee and a late fee for something that I should not have to pay for. He then asked to put out on my next payment which would make the balance more being that it would accrue to being even later. I told him not to process anything on my account until I could speak with the senior account manager. He then said that I had the option to dispute the matter of paying the once cent. I told him I would like to do that. I asked for documentation of the dispute and he informed me that it takes XXXX hrs to process etc so call back then. Before the XXXX passed I received another phone call from a different agent in regards to my balance being XXXX XXXX and would I like to process it. I informed the agent that the matter was already taken care. He replied that it wasn't and what he could do for me is put the XXXX XXXX  balance on my next payment and waive the late fee etc. I then asked to speak with the account manager again because I had yet to receive any paperwork as far as my payment history or the dispute. The agent informed that I could not speak with the manager and that they would send me my payment history but the dispute was never put in. I have the dates and times of the phone calls which their calls are recorded on their end of all the conversations etc. My payment history shows that I have paid them more than what's on the contract and way more than what the car is even worth.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

Someone gave me a check and chase asked him if he was the one that gave the check he did not understand the question and answered no so in return chase returned the check and fast the person that gave the check corrected himself and got it on his account as a note Still chase has closed my account and from there i tried opening my account XXXX times it was closed every time Till someone at the bank told me to come back on the XXXX of XXXX and i did and she told me it should be ok Then i added a check of XXXX from the same company that gave me the last check And again chase is closing my account and will not help me and saying stuff that dont make any sense And Im not being helped at all Im being treated like Im not honest at all i need help and i need it fixed Im behind in my rent my credit cards because of this Im in a very bad situation because of them
Consumer complaint received 2023-02-19
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. (MO)

In Accordance with the fair Credit Reporting act XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX # XXXX as Violated my Rights. XXXX XXXX XXXX section XXXX A. States 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.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I got scammed by someone on XXXX and WellsFargo refused to reimburse me for the money from when I filed a fraud claim. After calling several times and jumping through so many customer service hurdles and waisting my time, the notified me three days later that my claim was rejected the same day I opened it, which makes XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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.
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a eviction/ judgment on my credit report. I was living with my mother when she was evicted from the property, I never signed the lease. When she received her keys at lease signing I was not there I was only a occupant living with her mother at the time. I have a XXXX yr old and are struggling to find a apartment because of the eviction on my credit report I am asking for help to have it removed. I never had a apartment of my own
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX  with account number displayed as XXXX on my Trans Union report, shown as XXXX on my XXXX report, and alleged as XXXX on my XXXX report. 

Account name : XXXX XXXX  with account number displayed as XXXX on my Trans Union report, shown as XXXX on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

Account name : XXXXXXXX XXXX with account number displayed as XXXX on my Trans Union report, shown as XXXX on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

Account name : XXXX XXXX with account number displayed as XXXX on my Trans Union report, shown as XXXX XXXX XXXX * * on my XXXX report, and alleged as XXXX XXXX XXXX * * on my XXXX report. 

Account name : XXXX with account number displayed as XXXX on my Trans Union report, shown as XXXX on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

Account name : XXXX with account number displayed as XXXX on my Trans Union report, shown as XXXX on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 that the information is inaccurate.
Consumer complaint received 2023-03-09
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)

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 willfully 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$520.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX