davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (AR)

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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 or 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 2019-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (VA)

I have received multiple offers of a limit increase if I spend so much in purchases in a short time frame. These offers have been occurring for a year now. I use the card however have fallen short of the required amount. Not really knowing the exact timeline of the offer expiration I seem to miss the permanent increase. My limit drops THEN I get another offer the following month saying IF I use this amount I get to keep the increase. I feel like it's a yo-yo game and the brief moment in between offers my balance dti is50 % or more affecting my credit. Is this bait and switch ethical?
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have not issued any written consent or instructions for this to be listed on my consumer report.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (TN)

This account was open on XXXX XXXX I contacted seventh avenue they lady said she was sending something over to the credit bureau to remove this off of my credit i contacted all 3 three bureaus XXXX remove it XXXX didn't remove it XXXX remove it than put it back on there and it drop my score XXXX points i have proof they remove it and than added it back i have never had and account with this company
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NY)

- XX/XX/XXXX received notice from a lender because of form IRS XXXX pursuit lending notified had outstanding balance of XXXX with IRS XXXX XX/XX/XXXX researched that evening and knew I had paid and found out on XX/XX/XXXX chase improperly withdrew funds and paid TD bank and endorsed to an individual called XXXX XX/XX/XXXX called that evening and spoke to XXXX told me need to fill out unauthorized endorsement and claim would not start until filled out and faxed from branch - XX/XX/XXXX filled out police report - XX/XX/XXXX Same day went to XXXX XXXX XXXX and emailed and faxed- confirm by team member - XX/XX/XXXX called claims did not receive- NO ANSWER same message XXXX days and XXXX days to conclude and see what the claim will be - XX/XX/XXXX claims by phone still did not receive and suggested email from branch to supervisor and upload the file via email - XXXX on phone lso told to fax document from IRS from penalty and fees, called IRS can not do anything it is not their fault and can only fill out a document after to waive the penalty - XX/XX/XXXX phone claims received document but said missing marked check told to check the appropriate box - XXXX Checked the right box and faxed with branch manager in in XXXX and told to fax again and I did check mark XXXX XXXX called again claims by phone said they saw paperwork but did not see check mark - XXXX went to branch and had XXXX verify received and check marked - XXXX spoke with XXXX XXXX XXXX and XXXX handling case - XXXX XXXX confirmed that claims did not receive proper documentation XXXX XXXX took another week until XXXX for XXXX to speak to branch manager XXXX - XX/XX/XXXX spoke to XXXX she confirmed on XX/XX/XXXX info was sent to TD bank but can not insure for the interest owed to the IRS said she would speak to managers and get back to me and that the case now may take 120 days to event resolve and not even guarantee funds will be retuned - XXXX filled with XXXX for XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX Filed a complaint with attorney general # XXXX
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc (TX)

On today, XX/XX/XXXX, I attempted to cash my check via a mobile deposit into my checking account. The bank that is the issuer of the check is a regular credit card bank that I make payments to with my Chime account so there is an established transactional history of me paying this bank. The amount I needed to cash out on the check is {$4400.00}. When I deposited, it said that {$200.00} would be available by XXXX tonight and that the rest would be deposited by next Friday ( XX/XX/XXXX ) upon clearing. Well about one hour later, I received an email that said Chime could not verify the information and to NOT attempt to cash with Chime Bank at all. This is very inconvenient for me because I do not have another bank to mobile deposit. I would have to find a location to go cash in person somewhere, only to go to another location to deposit funds into my Chime Bank account. I attempted to call and see if there was anything else that could be done about this " inconvenience '' and Chime declined. At this point, it feels like I need to open a new bank account with another bank and/or take my business elsewhere because they are forcing me to do " extra work '' that I rely on my ( Chime ) bank to do. I have been with them for several years now.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (NH)

I was issued a Chime debit card that I never signed up for. It's as if someone used my email, name, and old street address to create this account. It looks as though a different bank account is linked to the card, but I would like to have this account removed from my name and email entirely.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

My Chime account was involuntarily closed by Chime and I have not received the remaining balance of funds in my account, which is approximately {$50000.00}. 

I have repeatedly contacted and spoken with Chime phone support for assistance in resolving this issue, to no avail. Therefore, I am reaching out to CFPB for assistance in regaining access to my funds. 

Below are the details of the issue and sequence of events : On XX/XX/2023 Chime sent me an email stating " We are reaching out because routine monitoring identified activity on your Chime Checking Account that requires verification. '' They further asked that I please provide the following, which I sent to them the same day : 1 ) Copies of your current Govt. ID or Drivers License 2 ) A bill or notification dated within the last 60 days to verify your current address 3 ) Proof of income ( W-2, paystub, etc. ) or source of deposits for the XXXX Money Transfers totaling {$46000.00} and the XXXX XXXX deposits totaling {$1800.00}. 

4 ) Please provide an explanation for rapidly removing of funds via $ XXXX in billpay, XXXX, and other means. 

Regarding proof of the $ XXXX requested above, $ XXXX of that deposit was from a check that I received from my auto insurance company ( XXXX ) for a wreck of my truck, which was totaled in a car accident. The remaining deposits were from income from my self-employed businesses. Without having access to these funds I have not been able to replace my truck with another one. 

On XX/XX/2023, Chime sent another email stating the following : " Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/2023. Once your Checking Account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days of XX/XX/2023 to the address we have on file for you. '' In late XXXX I received a check from Chime in the amount of {$1.00}. I have no idea where they came up with that amount, since my account balance was around {$50000.00}. And I no longer have access to my bank account to see the remaining balance. I've continued to reach out to Chime about the issue, again to no avail. I would like to receive all of my funds back from Chime, but as of today, XX/XX/2023, I have still not gained access to funds. 

Can you please help? 

Very frustrated Chime Account Holder
Consumer complaint received 2023-03-14
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into.
Consumer complaint received 2023-03-14
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. (UT)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all inquiries are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fairway Capital Recovery, LLC (NC)

I received a call with a voicemail on Friday, XX/XX/XXXX at 8:45 AM from the phone number XXXX stating that it was an important message from Fairway Capital from a debt collector and to please call XXXX. I received another call on Monday, XX/XX/XXXX at 8:10 AM from XXXX stating they were a debt collector reaching out about an unpaid balance from the XXXX XXXX XXXX of {$400.00}. I told them that this was unlikely as I was just at the clinic and I did not have any unpaid balances. I let them know I would verify with the clinic. I called the XXXX XXXX XXXX at 8:11 AM and let them know what happened. They verified I did not have any debts or unpaid balances on my account and would make a note that I was contacted about this.
Consumer complaint received 2023-10-31
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. (FL)

I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information, such as payment history, date of last activity, payment status, etc. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
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: EQUIFAX, INC. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
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: Westlake Services, LLC (GA)

I received my credit report on XX/XX/XXXX, XXXX from XXXX XXXX XXXX, and XXXX XXXX There are some accounts I don't recognize and inquiries I didn't authorize.
Consumer complaint received 2024-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-20
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)

I am writing to formally dispute and request the removal of an unauthorized hard inquiry on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. This inquiry has adversely impacted my credit report and may affect creditworthiness. I kindly request that you investigate this inquiry and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. & 1681b ( Permissible Purpose ).
Consumer complaint received 2023-07-31
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)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I " am requesting that my student loan accounts be removed off my credit reports within 24 hours. I have attached proof that my loans are discharged and a 1099c was submitted so its a cancellation of debt and income can not be reported on any credit reports its agents the consumer law. Also due to this being a cancellation of debt my loans has turned into a certificate of indebtedness and must be removed from my report. {$88000.00} has been cancelled a copy is attached and these should be removed within 24 hours of this complaint. This is also against the Family Educational Act you are not allowed to report income from school loans are any loans due to consumer law. The account numbers are listed below. 

XXXX   # XXXX XXXX # XXXX XXXX # XXXX
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 Account number : 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 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (GA)

I had signed up for a home warranty on XX/XX/ which ended up being a scam, I replied to a letter sent to my house regarding my XXXX XXXX  being expired. I paid monthly in the amount of {$310.00} for a total of {$3700.00}. The company cancelled my contract because I stopped paying because after further investigating the company myself and having difficulty actually utilizing the service ( I called for service and got nothing but automated responses ) and disputed the charges with Goldman Sachs as I used my Apple Card to make the payments. In the brochure I was sent from the conpany ( called XXXX XXXX XXXX ) it states if my account was cancelled by the company for any reason ( such as nonpayment ) I was entitled for a refund. The company refused, and Goldman Sachs also found in their favor, even though when I asked for the information they gathered to come to that conclusion they said the merchant did not respond. The merchant, XXXX XXXX XXXX, used a payment processing company called XXXX, which also would no refund me and said I had to go through the merchant. After Goldman Sachs did not find in my favor I disputed the results and again they found in the merchants favor. I contacted the Georgia consumer protection agency and filed a complaint and only then was I a able to get a refund from the merchant in the form of a mailed check. Goldman Sachs only gave me back 4 of the {$310.00} charges, totaling {$1200.00}, the remaining {$2500.00} was sent by check. Also after calling Goldman Sachs to see how they came to that conclusion I was hung up on twice.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX