davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

XX/XX/2021, paid XXXX to XXXX XXXX  for a rental car using Chime debit card. Car was damaged in auto accident on XX/XX/2021, vehicle was towed from the scene of the accident. After discharge from the Emergency Department on XX/XX/2021, I attempted to contact XXXX XXXX XXXX, XXXX for a replacement vehicle. I received no response,. After multiple att/empts to contact XXXX XXXX XXXXoncerning a replacement vehicle or a refund of the total amount that I had paid minus the 14 hours that I was in possession of the vehicle before it was rendered inoperable due to the accident, WITH NO RESPONSE FROM XXXX XXXX XXXX, XXXX then decided to move forward and file a dispute of the transaction with Chime Bank XXXX Attached to the dispute was a copy of the police report, which supported all of my declarations concerning this transaction. That I did not have possession of the vehicle due to the auto accident, that I WAS NOT at fault, that the vehicle was towed away from the scene of the accident, the date and time of the auto accident and I also submitted proof of the payment date and amount and the length of time that I had paid for the vehicle. Chime denied my dispute. I was then instructed to submit a rebuttal disputing the decision made by Chime. I did, and included significant proof including screenshots of attempted contact with the company, complaints from other consumers dealing with XXXX XXXX XXXX  found on the XXXX  website. This was completed on XX/XX/2021. It is almost 60 days that we have been dealing with this on-going dispute with no resolution. I have submitted a written request to speak with someone who can actually resolve this issue or make a decision, all to no avail. So, at this point, I have decided to submit this complaint as well as one to the FDIC. I just want my money back because I did not receive what I paid for and it is RIDICULOUS that Chime Bank is telling me that perhaps the hold up could be that the merchant is not cooperating. I am physically XXXX and I live on a fixed income. This is defrauding and deceiving a XXXX individual and a felony in my home state of Georgia.
Consumer complaint received 2021-05-17
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. (CA)

XX/XX/21 I mailed in an FTC report to all 3 bureaus. There were accounts listed on there as a result of identity theft. Pursuant to 15 USC 1681c-2 this information should have been blocked by XX/XX/21. I also see that my information was disclosed to a 3rd party. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a consumer report pursuant 15 USC 1681a ( 2 ) ( B ). The bureaus are in violation of the FCRA. I am being contacted by collectors and the debts have nothing to do with me!
Consumer complaint received 2022-09-27
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. (UT)

I disputed XXXX  XXXX since it appeared again on my credit report again as a charge off and late payments, this is fraud, XXXX XXXX personally removed it last year due to fraud so it shouldnt off been added back on thats illegal and against fair credit reporting act, I need this removed now since XXXX XXXX is fraud and I didnt sign up for it and as they see on there records it was indeed removed and XXXX XXXX did remove it 1 year or so ago and thej just after that long add it back as charge off that isnt right and against the law remove it now from my credit and block thisninfo
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (NY)

I have Qty. ( XXXX ) go enjoy gift cards, I went to use them at one of the restaurants ( XXXX XXXX XXXX ) the restaurant could not process the gift cards. The manager said they have had problems with these gift cards for over a year, he said you need to go to there website ( XXXX  ) and select redeem and pick your restaurant and you will get an email. The website did not say anything like that an actually just says the card should be able to be used at any of the restaurants printed on the front of the card and the cashier just selects credit. I also tried calling the XXXX number ( XXXX ) this was no help either as you cant speak to a human. The date we tried to use the gift cards at XXXX in XXXX NY was on Monday XXXX.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OPORTUN FINANCIAL CORPORATION (CA)

I received a letter in the mail from Oportun Personal Loans on XX/XX/XXXX that an account with my information was going to be enrolled into an auto-debit plan with a bank account that is not my own. 

I called the company and they transferred me to their " Fraud Dept ''. I asked to inquire details about the loan and why a loan was taken under my name, address, and information without my consent. ( I never applied for a loan ). 
They would not disclose any information on the account unless I submitted paperwork that they were going to send me. 

I gave the customer service representative the loan number that was listed on the paper that was mailed to me as well as my name. Apparently that information was not enough and he proceeded to ask for my social security number, driver 's license number, and birthdate. He said that without that information he would not be able to give me details of the loan. 
It all sounded very suspicious and very much like a phishing attempt so I hung up. 

A Few business days later I get a letter from the company asking details about the account with a separate form asking those very questions ( DL #, Social Security #, birthdate, etc ) I quickly ran a credit report through my bank and XXXX and was able to see that Oportun ran my credit without my permission. I had no idea that it was ever run. 

Here are the details of the company : OPORTUN/PROGRESO FINAN Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

I was affected by a natural disaster and was receiving XXXX benefits I was living in a motel and not able to make any credit card payments after XX/XX/2018 this account has been paid satisfied and in return they agreed that they would remove the late payments ... I did my part but they have not done theirs.
Consumer complaint received 2024-03-08
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. (MD)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (NJ)

On XX/XX/22, I attempted to pay the Venmo user @ XXXX the amount of {$650.00}. I was expecting a tracking number from him shortly afterwards, however when he stopped responding to my messages, I realized that he was a scammer. I quickly contacted Venmo to report his account and was told that the necessary actions would be taken on his account, but that those actions could not be disclosed to me. I then contacted my bank to ask them to stop the payment. 

Then, the next day, XX/XX/22, I received a reply in the Venmo app to my payment ( presumably from @ XXXX ) that said " Refund will go through by tomorrow account is frozen. '' I'm not sure who made this comment, whether it was him or an Venmo admin person, but when I contacted Venmo, they confirmed that an attempted refund for {$650.00} was made on XX/XX/22, however the refund did not go through. They were not able to disclose the reason the refund was rejected. On XX/XX/22, I received a notice via email that my Venmo account is frozen, that I need to send Venmo {$650.00}, and that this was an attempt to collect debt. 

When I contacted Venmo again, they didn't offer any assistance other than saying, " We take these reports seriously and I can confirm that we will take appropriate action against the receiving account. However, we are not able to discuss the specifics due to our Privacy Policy. ". This leads to me to believe that they also froze @ XXXX 's account and incurred an negative balance on his account as well. If they are trying to collect money from both him and me, then I believe that would be considered double dipping.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (VA)

On XX/XX/2021, I received a final notice from loan depot regarding my proof of insurance. Loan depot kept asking me for proof of insurance for my townhouse for the duration from XX/XX/2021 to XX/XX/2021. Otherwise they will purchase insurance for me for {$230.00}. 

However, I and my insurance company, already provided my proof of insurance multiple times. I am with the same company for 4 years, and I have continues insurance with the same insurance company. I provided the proof of the insurance at the beginning of the year when I refinanced with loan depot, and subsequently provided proof of insurance multiple times, and spoke with their customer service people multiple times to point of their errors. They still failed to correct it. 

Also, how do they purchase insurance for a time period in the past?
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Transunion and XXXX/XXXX   with no successful resolution. Transunion only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Consumer complaint received 2022-01-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

XX/XX/XXXX I opened a bank account with truist bank transferred XXXX $ over because I was going to bank with them. They kept sending me back and forth waiting hours I finally reached someone and asked to be escalated he sent me back to the automated statement.
Consumer complaint received 2021-05-17
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (TX)

I paid the {$10.00} balance in full through XXXX online banking on XX/XX/2021. The funds were taken from my account. After several phone calls to Barclays and to XXXX it was determined that XXXX made a mistake in their coding. On XXXX I had a 3 way conversation between, Barclays, me and XXXX. Barclays told XXXX to send the supporting documents to them. On XXXX RBFCU sent the documents ( attached ). Barclays then sends me a letter on XXXX ( attached ) about a missing payment of {$1000.00} which has NOTHING to do with the issue at hand. Never was there any mention during any conversations or documents that there was a missed payment in the amount {$1000.00}, it was {$10.00}. Obviously they are not reviewing the phone notes or mailed documents. On XXXX I receive a letter from Barclay 's stating they can not take the 3rd party documents that XXXX sent to them, ( letter attached ). XXXX was told on the 3 way call to mail Barclays the documents ; getting the letter from Barclays stating they could not accept the documents just goes to show how inept they are, it is so irritating. I then called Barclays and asked for a supervisor 's supervisor to review the file, and to do a thorough review before calling me. I was told a supervisor would call me back, it's been weeks and I have yet to receive a call, but I did receive another statement with another late fee. The {$10.00} was NEVER credited back to my bank account or credit card account. There is an out of balance AR ledger for {$10.00} at Barclays or someone else 's account was credited using my funds. They have my cash, but no credit to my bank account or credit card account. I'm feed up with them.
Consumer complaint received 2022-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am filing this complaint because PORTFOLIO RC have ignored my request to provide me with ALL documents that their company has on file that was used to verify the accounts I disputed. They only sent insufficient validation documents. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (WA)

Over XXXX weeks ago I got word from my escrow/title XXXX that I am using for a HELOC that there was a second deed of trust recording on my loan thru Caliber Home Loans. It is wrong and I only have XXXX. From that day on I have called, emailed, faxed and wrote letters as well as tried to go to a local Caliber Home Loans office that does not exist. All to get help to remove the duplicate recording asap so that my HELOC will be funded asap. The lady I am buying a house from in TN is so stressed not to mention my family here in WA!!!! It is insane to me that this company can make a mistake and cant even call me? This is THEIR mistake!!! 
On attached Schedule B- part XXXX # XXXX is XXXX NOT XXXX XXXX!!! 
# XXXX is a duplicate and is a mistake that needs to be fixed today.
Consumer complaint received 2022-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (FL)

I am filing this complaint because WELLS FARGO have ignored my request to provide me with ALL documents that their company has on file that was used to verify the accounts I disputed. They only sent insufficient validation documents. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (UT)

I had an incorrect entry in my credit report and XXXX  and XXXX  remove the erroneous information however Experian will not and they suggest I use one of their products called " Experian boost '' to raise my credit score. I believe Experian is inappropriately reporting lower FICO scores and then having people raise those credit scores by using Experian boost. This fits the definition of racketeering. They create a problem by artificially lowering the credit score and then recommend people fix the problem by using Experian boost. If they didn't artificially lower the credit scores to begin with sometimes 100 points lower than XXXX  or XXXX  ... People wouldn't need to use Experian boost.
Consumer complaint received 2021-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

My name is XXXX XXXX XXXX XXXX and me and my wife XXXX XXXX XXXX have been illegally done wrong. i have been to XXXX XXXX Saturday XX/XX/XXXX for XXXX XXXX and XXXX XXXX issues, missed our trip to XXXX XXXX Ar. to our daughters grave and check on my sick XXXX XXXX XXXX mother, due to our XXXX XXXX XXXX being repossessed by Ally Financial XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX and the chapter XXXX attorney Mr. XXXX & paralegal XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX ( XXXX ) XXXX was notified immediately the morning of XX/XX/XXXX after I was told by Ally while trying to make a payment that we were delinquent of 116 days of payments. I tried to ask questions, but since we are under a bankruptcy still in their system they need to speak with the attorney. I notified XXXX XXXX paralegal Mr. XXXX XXXX immediately XX/XX/XXXX that morning and he said that he was notifying Mr. XXXX the attorney and ask for a payment history. I immediately called Ally Financial back asap and requested a payment history. All these trumatizing events and lost of our car, XXXX XXXX XXXX trumas could have been prevented 2 weeks ago with a simple phone call as our paid legal representative should have done XX/XX/XXXX. This is so bad that we have lost our car, lost our opportunity to keep our positive credit we were trying to establish to refinance our home, get custody of our dead daughters children and a repo on our credit is lost of every penny spent 5 months catching up on our bills including paying Ally the arears of the 116 days of {$3500.00} in XXXX to bring the account current in order to keep my wifes {$58000.00} car XXXX retail ) I saved for 3 years to get her that XXXX XXXX XXXX for her birthday in XXXX. Now since we have been careful because XXXX took the lives of XXXX relatives already we have some doubts about the safety of some repo man in it. You can not put an amount on these damages to our lives that my XXXX & XXXX XXXX ect has gone through. Please help
Consumer complaint received 2022-01-27
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. (FL)

I have previously questioned this account with credit institutions and each time the investigation returned as " verified ''. I decided to go directly to the creditors and file a dispute with them. The lender was unable to provide any form of documentation to verify this particular account with me. If they are unable to verify this account with me- the alleged account holder - there is no way to verify it!
Consumer complaint received 2022-01-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rubin & Rothman, LLC (NY)

I paid this auto loan in full. The amount past due was {$580.00}. My XXXX was repossesed and I had to pay to get it out. A debt collector, went to my employer and garnished my paycheck with my employer. The debt was paid again. Then Rubin & Rothman , LLC garnished my employer. I went to court, submitted an Order to Show cause and proved that the debt was paid twice. Rubin & Rothman , LLC would not drop the lawsuit and continues to garnish my paycheck and not report any paid amounts. This {$580.00} debt that is paid is now {$31000.00} for a XXXX XXXXXXXX XXXX that had multiple recalls and was not safe to drive. I had to junk the vehicle because the Anti Brake system was on recall and no one could fix it and it was so old, none of the XXXX Car Dealerships wanted to honor the recall and repair the mini van. 

I reported to the Marshall that this was fraudulent and I reported to the law form that this debt is paid in full and fraudulent. This is fraudulent and illegal.The original debt is only {$580.00} and I am being garnished for {$31000.00} for a vehicle that wasn't worth {$300.00} and I was putting my family and everyone on the road in danger when I drove this vehicle.
Consumer complaint received 2019-07-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Pinebrook Holdings, LLC (MO)

I got a {$500.00} loan I paid 13 or 14 payments of at least {$50.00}. 2 of which were {$75.00} few {$60.00} and few {$55.00}. I havent noticed change in payment end or interest. I tried paying {$30.00} online and it was declined as it wasnt the minimum amount. Im able to prepay or pay extra and their system wont let me. They are declining me rights to pay down so they can gain on interest. I calculate Ive paid over {$700.00} on my loan.
Consumer complaint received 2022-01-27
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. (FL)

I have previously questioned this account with credit institutions and each time the investigation returned as " verified ''. I decided to go directly to the creditors and file a dispute with them. The lender was unable to provide any form of documentation to verify this particular account with me. If they are unable to verify this account with me- the alleged account holder - there is no way to verify it!