davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2018, PayPal made my remaining Account balance of {$230.00} available for me to withdraw as 180 days had passed since my Account was limited ; and they notified me of this decision via email. Thank you.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAVALRY INVESTMENTS, LLC (VA)

Balance {$1300.00} Highest Balance {$1200.00} Reported : XXXX. XXXX, XXXX  Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Original Creditor Name XXXX Closed No Info
Consumer complaint received 2022-05-13
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)

The accordance with Fair Credit Reporting act these accounts has violated my rights. 

XXXX XXXX XXXX Account # XXXX U.S. Bankruptcy Court Reference # XXXX U.S. Bankruptcy Court Reference # XXXX U.S. Bankruptcy Court Reference # XXXX 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 604 A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-13
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. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated all 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 2020-12-19
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. (TX)

I have reached out to the bureaus, especially XXXX  and they have tried to use stall tactics to avoid blocking fraudulent information. They continue to violate federal law under Title 15 USC ( see attached documentation ) and report both fraudulent and inaccurate information. 

Equifax and XXXX  have not replied to me as of yet however, the fact remains that each of these credit bureaus knowingly publish consumer reports without ever have permission from the consumer which is an infringement upon a consumer 's right to privacy and the fact that they knowingly publish information without consent and then share this information, often times inaccurate, is willful non-compliance and violation of federal laws under Title 15 USC, Chapter 41. Multiple violations.
Consumer complaint received 2020-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NC)

My name is XXXX XXXX and I am filing this complaint about Chime about unfair judgement. 

I sold something online for someone by name XXXX XXXX and she paid me using her chime card and I shipped the products to her. She later filled a dispute with Chime lying that the transactions were unathorised and now chime is trying to take the funds back. 

I use XXXX to process my payment and I got a notification that a customer has opened a dispute and stated unathorised transactions. 

When XXXX XXXX contacted me and made the payment, I asked her if she was the one who owns the card she used and she said yes, then I asked her if she could provide any evidence to proof her identity and she said yes. 

She provided her drivers license front and back for documentation, and she also sent a selfie holding her drivers license, she also sent her Car Insurance Bill as a proof of address and she told me the payment will come from her chime card and she assured me that she will not dispute the transactions. 

She also wrote her SSN to proof that she was the one made the payments. 

But she lies to her bank that she didn't make the payment claiming it was unathorised so she can get the funds back. 

I already shipped the item to her and now I do not want to lose the money and my products. 

I have attached a screenshot of our conversation including all the documents she sent to me for evidences and documentation. 

She signed a contract assuring me that she will not dispute the transaction in the future and she assured me that her bank will not dispute the transactions in the future too. 

I need chime to know that she made the payments. 

I have sent an email to chime to explain the situation but no one is responding
Consumer complaint received 2020-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received a call from XXXX  XXXX  credit service asking if I opened a capital one credit card i said no at that point we got in contact with a capitol one representative XXXX XXXX XXXX ) he said he would close the application and report the incident to the federal trade commission.this was done on Wed XX/XX/2020 XXXX told me this was done out of my state.he also said it was done on line.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have reached out to the bureaus, especially Experian and they have tried to use stall tactics to avoid blocking fraudulent information. They continue to violate federal law under Title 15 USC ( see attached documentation ) and report both fraudulent and inaccurate information. 

XXXX  and XXXX  have not replied to me as of yet however, the fact remains that each of these credit bureaus knowingly publish consumer reports without ever have permission from the consumer which is an infringement upon a consumer 's right to privacy and the fact that they knowingly publish information without consent and then share this information, often times inaccurate, is willful non-compliance and violation of federal laws under Title 15 USC, Chapter 41. Multiple violations.
Consumer complaint received 2020-12-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX is my mortgage company. They are showing that I am 30days late on my report and i sent the payment in on time. However due to the pandemic covid-19, the mail system is not working properly. I have the proof of my check being sent to the company. The account number is XXXX.
Consumer complaint received 2022-05-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Accelerated Servicing Group LLC (NV)

I was initially contacted by the debt collector Yesterday XX/XX/22 regarding a credit card debt and was offered a settlement amount with a website address. As soon as I logged into the website to view the settlement, my phone was inundated with phone calls from two different numbers and texts to pay. I started receiving nonstop calls and texts regarding the debt, one as early at XXXX am. PST. After explaining I need to load my prepaid debit card to pay the settlement, which I would do soon they began constantly texting and calling, threatening to call my relatives and my place of employment. I explained they were in violation of the FDCPA by contacting anyone but me with good contact information, and to please discontinue the text conversation. I continue to receive texts telling me it is going directly to the recovery department I need to pay now.
Consumer complaint received 2020-12-19
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 — Problem with personal statement of dispute
Company: Conn's, Inc. (AZ)

XXXX  shows that Conns home plus is paid off in full On my credit report which it is and Conns will not close the account. I have continuous issues with Conns snd I refuse to pay them anymore this account is paid in full! Attached are photos of my credit report that was previously sent to Conns also showing paid off. They need to close this account
Consumer complaint received 2015-12-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Advanced Collection Bureau, Inc. (GA)

this collection agency keeps reporting that I received services from there practice. I have never had any medical treatment from this provider while not being insured. I 've always been covered under the florida medicaid office .There have always been a block on all XXXX of my credit filed due to identity theft. I 've disputed these fee with the collection agency and a few of the bills have been deleted but this company keep reporting medical bills for services that I never received.
Consumer complaint received 2019-09-19
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Certegy Holdings, LLC (TN)

I received a Consumer File Disclosure Report from Certegy Payment Solutions , LLC on XX/XX/2019. 

It indicated that I had attempted to cash a check at XXXX XXXX for {$300.00} on XX/XX/19. The check number was XXXX. The recommendation to the client was " Not authorized-reason below ''. 

" This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which may vary by check cashing location and transaction. Failure may include a combination of : the check number, dollar amount, check cashing history, or other transaction details. '' I called Certegy and advised them that I did not attempt this transaction and asked that it be investigated and then removed. I had indicated to them that I had had identity theft, but even with that said, I did not do this transaction. 

I haven't heard anything back from them.
Consumer complaint received 2019-03-24
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. (PA)

I spoke with than bank in regards to a late payment reflecting on my credit report. I have had this account for years always paid on time and this particular month I was not able to make payment online do to technical error. unfortunate the payment was reported late after speaking to a representative i was told this would be updated as on time payment with the credit bureau and that never occurred. i tried disputing the late payment with the credit reporting agencies and it kept coming back as verified however i do not believe anything was ever done. i requested to see proof and nothing is ever provided. i am requesting that my report get updated asap to reflect on late payments as the creditor agreed to over the phone back in XX/XX/2018.
Consumer complaint received 2019-03-24
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. (FL)

The following accounts are fraudulent XXXX XXXX {$960.00} XXXX XXXX {$440.00} XXXX XXXX {$540.00} XXXX XXXX {$4600.00} XXXX {$1700.00} XXXX XXXX {$220.00} XXXX XXXX {$77.00} XXXX   {$150.00} XXXX XXXX  {$690.00} XXXX XXXX {$590.00} XXXX XXXX {$130.00} XXXX XXXX XXXX {$200.00} TXXXX XXXX XXXX XXXX  {$910.00} XXXX XXXX {$53.00}
Consumer complaint received 2020-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On Thursday, XX/XX/XXXX I tried to login into my Chase Mobile app. The app said that my account was locked or restricted and I needed to call a 1-800 number. When I called the number, the agent at Chase Bank told me the following : 1 ) we have chosen to close your account and dont want to do business with you anymore.

2 ) I dont know when you will receive your funds in your account 3 ) thats all I can tell you.

I was shocked. Im not a criminal nor do I have a record or have committed anything illegal. All this is happening right before XXXX and during a pandemic. I lost my job due to Covid and had been receiving unemployment insurance since XX/XX/2020. Chase Bank made me feel like I was a criminal, had done something wrong, and they werent willing to tell me why they closed my account. 
The next morning I call the 1-800 number early in the morning. The agent tells me over the phone that my account is just restricted and that they needed proof that I was receiving monthly unemployment checks. I was receiving monthly unemployment checks from the state of Minnesota. I am a former XXXX XXXX with XXXX XXXX XXXX and I was based in Minnesota but lived in CA. Minnesota unemployment had approved all my payments. I went to my local branch and took in copies of all my monthly unemployment insurance payments, proof that I was receiving those monies from Minnesota. The bank did not believe all the paperwork that we faxed and scanned to them. 
They closed my account and did not return my monies to me. I had about XXXX in my two accounts. Plus they locked my sons account that was linked to mine. 
I showed the bank my proof from the state of Minnesota and they are treating me like a criminal and keeping my money. There are people that are not paying their mortgages, loans, etc and the bank is choosing to discriminate against me during a pandemic. All for a measly XXXX. 
There will be no XXXX for me this year because of this. Luckily I am sleeping in someones living room as I have a roof over my head, but treatment from Chase Bank is disgusting. Shame on them for trying to hurt others during this time of a worldwide pandemic. Trying to keep my money when they have no right to. Just because others arent paying bank fees, loans, etc.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I inquired with a Mortgage Company about being a First Time Home Buyer. I gave the Mortgage Analyst permission to access my credit report, which was accessed via Experian. The Mortgage Analyst reached out to me via email indicating that they are not sure why I have disputed on closed collection account and past due accounts that are over 6 years old. I replied back via email communication that I would never file disputes on closed accounts that ate charge off nor past due accounts and have filed complaints with the FTC regarding the illegal violations that I have been experiencing with past due Creditors. I am now filing another complaint against Experian. I recently disputed address disputes with Experian but has not disputed closed accounts nor a collection account that keeps appearing. I HAVE NOT DONE SUCH AT ALL! Experian is illegally violating my Right 's and this situation needs to be on the news media. Experian has intentionally filed disputes on my credit file with accounts that has been closed and charged off, this is very much illegal as I have not and never will dispute a closed charge off account in the amount of {$20000.00}. I also plan to contact the CEO of FTC. I am requesting for assistance please. The fraudulent disputes needs to be removed immediately, which is showing as disputed on XX/XX/XXXX XX/XX/XXXX. I never filed these disputes at all.
Consumer complaint received 2020-12-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

I have been a customer of Toyota of XXXX since XX/XX/XXXX. I purchased the XXXX XXXX XXXX, the XXXX XXXX XXXX, and currently the XXXX XXXX XXXX. My problem is with the XXXX XXXX XXXX, which I purchased in XXXX, XXXX. 

This vehicle was listed for approximately {$28000.00}. But I was pressured into engaging with so many unnecessary after market add-ons. The result was that I ended up signing off the car at approximately {$47000.00}. After realizing this was too high, I returned to the dealership two or three days after to complain. They made some cosmetic adjustments bringing down the cost to about {$45000.00}. 

I pay {$780.00} a month for this vehicle. I was forced to sign off this vehicle because I needed it for family use and for me to drive to school on time. Toyota of XXXX told me that I shouldn't worry about the cost because after six months, I should be able to refinance the car for a better and comfortable monthly payment.

Now, I'm struggling with a mortgage, Student loan and car loan. I need someone to please intervene for me. 

Thank you and have a blesses day.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NV)

I filed Bankruptcy in 2017 and my three Commenity accounts were all included and written off. XXXX XXXX and XXXX are reporting correctly however XXXX on all three Commenity accounts are reporting balances in error. This is causing a 80 point drop in my XXXX score and I need the balances updated to show {$0.00} owed.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (WA)

CFBP Complaint Committee : Three years ago, XXXX, I signed a legal document with Aspire Servicing Center since I was very behind on my payments giving them permission to obtain their funds in any way they wanted if I failed to not make payments again. Since then I have made regularly payments but they have been reporting my credit as accounts closed, in collections, and past due. There is nothing in the document I signed that gave them permission to misreport my credit. I have spoken with them numerous times and they refuse to stop. My loan will be paid off in 6 months, XX/XX/XXXX, and they have told me that they are going to keep these inaccuracies on my report stating that I have been in collections and past due every month for all this time. 

I filed a request for this to be corrected with XXXX  twice and they have not done so. They say they are reporting what Aspire is telling them is true and will not listen to me when I tell them it is incorrect. My XXXX XXXX score keeps changing from XXXX to XXXX as I file these requests with XXXX It was XXXX and then it went down to XXXX because XXXX  stated that Aspire was reporting past due amounts. I filed the requests informing them that I have not made a past due payment in years and they replied that Aspire said they are reporting correctly and left it misreported. I then hired XXXX XXXX XXXX XXXX to help me and we filed and looked at my reports together. We sent letters requesting them to correct my information. My score went back up to XXXX for a couple of months and then back down to XXXX and there it remains today. 

XXXX  is incorrectly computing my score and evaluating my credit. Aspire Servicing Center is misreporting my on time payments as past due and stating my account is closed and in collections when it is not. I want my Aspire accounts to reflect that they are not past due. I also believe that they should not be reflected as closed and in collections. Mostly, as I pay off the Aspire student loans I want all my accounts to show as being paid on time for as long as they have been and not have to start from closed XXXX accounts with past due, in collections inaccurate reports that will reflect negatively and impact my credit for 7 years. I have experienced apartment rental rejections because of these accounts not showing correctly. I have been making on time payments for years and my credit should be reported as such. 

Thank you.