davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-01
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. (AZ)

In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX XXXX aka XXXX XXXX In/ aka XXXX XXXX ) # XXXX XXXX XXXX XXXX ( aka XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX 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 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. 1681 S-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 2022-12-01
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. (FL)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 2019-07-17
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Advanced Recovery Systems, Inc. (PA) (NJ)

We are a XXXX firm who handles bill payments for our client as such we will receive notification from Vendors at times. 

When a client of ours had their Controller leave unexpectedly XX/XX/2018 it was at the beginning of a new lease. Things went awry in the process. the lease was turned over to 2 collection companies payments finally showed as of XX/XX/2018 when the 2nd collection company XXXX XXXX received the payments made to the first and posted into the system of XXXX. The client has made regular payments. XXXX has cancelled their agreement with Sage company. Now a 3rd company Advanced Recovery Systems ( ARS ) has since taken over the collection of the debt. 
ARS does not have accurate balance information and they call our office and yell and scream and demand a payment is to be made without a valid amount even to start the process. 
We also receive emails from the company. 
XXXX XXXX Executive Vice President Advanced Recovery Systems , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX EXT XXXX FAX XXXX XXXX is not the person who calls as we are told he is the executive VP of the company and collection agents make the calls and they are not allowed to email or make agreements. only call and be nasty and demand payment on a disputed amount with no back up to justify the amount still.
Consumer complaint received 2018-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TN)

On XX/XX/2018 I gave XXXX XXXX XXXX XXXX 2 third party checks. Amount XXXX Chase bank froze the bank account and is currently holding the funds. They said they will hold the fund indefinitely. The only way to get funds back is to have foremost insurance request for the fund to be returned to them I contacted the insurance adjuster and she cant get funds back because chase has cashed the checks per XXXX Chase will not return the checks or release the money. On XX/XX/XXXX I went into chase with owner and spoke with a banker. They explain that chase didnt have to release fund or return to foremost insurance. 
Please asked chase to return funds to foremost insurance.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of American is reporting on my credit report that my payment was late. This is not true as I setup automatic payments when the account was open, I never received a past due notification, never received a phone call regarding this, and I had more than enough money available to cover the < {$25.00} balance on the account. I had over {$10000.00} in my account at this time of supposed missed payment. I have zero missed payments in my credit history and over {$100000.00} of available credit. I need this missed payment removed from my credit report.
Consumer complaint received 2018-02-25
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NE)

I paid on my JC Penney credit card account on XX/XX/XXXX for {$200.00} ( the minimum payment required on the statement I received was {$170.00} ) when I was at our JC Penney store with a check. When my husband reconciled our bank statement for XXXX, XXXX in XXXX, XXXX, he noted that the same check number was run through again ( the same amount of {$200.00} ) on XX/XX/XXXX from our checking account. He checked with our credit union, XXXX XXXX. XXXX. ( XXXX XXXX ) and the credit Union indicated that it XXXX XXXX who who run the same check through two different ways or " double dipped '' from our checking account. Upon discovering this on our bank statement, we stopped payment on one of the {$200.00} withdrawals by XXXX as advised by our credit union. I then  received a certified letter indicating I was delinquent on my account for XX/XX/XXXX, but I I paid on {$200.00} on XX/XX/XXXX. XXXX indicated my check was " Returned and Not authorized by our bank '' for the {$200.00} owed in XX/XX/XXXX. Our records do not indicate that. When I called XXXX they stated I was still " delinquent '' and needed to send a check for {$140.00} or I would be turned into " collections ''. I then sent a check in the mail to XXXX XXXX for {$140.00}, just to pacify them. We have attempted to rectify this with XXXX XXXX with multiple phone calls and four faxes with attention to Payment Issues. Calling the XXXX  number on the letter connects us with someone who is clearly overseas ( I suspect in XXXX ). They talk in circles about how we owe and can not acknowledge the " double dipping '' XXXX did. The faxes go to a payment issues center and the call center associates in XXXX have no communication with the payment processing center. So one side of XXXX doesn't know or care what the other side is doing. This has yet to be resolved. I have paid on my account always on time and at the minimum or above the minimum required payment amount. We request your assistance with this matter due to inability to resolve directly with XXXX XXXX. Thank you for your time and assistance.
Consumer complaint received 2022-12-01
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. (AZ)

Fraudulent account has been Put on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE THESE ACCOUNTS
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Upgrade, Inc. (TX)

I paid off this company for the entire balance owed on XX/XX/2021. First issue it took them almost a week and a half to post my payment. My available credit limit with this company is {$6000.00}. But I owed - {$5900.00} which was paid in full. Once paid I called and asked why it still showed a balance owed of {$280.00} which was my normal monthly payment up until that point. The first two calls I was told it didnt calculate right and would be removed. The 3rd call told me it was for interest. Which didnt make any sense. I was then told interest wasnt charged at the end of every month for my purchases like normal credit cards it was just added. Something Ive never heard of before and sounded as if they Just wanted more money. I advised I paid my total balance owed and no longer wanted this account due to shady practices and asked them to close it. Went through some disclosures and was advised it would be closed. I also requested that the account be adjusted Bc the balance is not owed. Nothing was done. I called again and requested the account closed and adjusted. Nothing done. I reported to the XXXX  and on each interaction I requested the account closed and is still opened today along with no adjustments. This was over a month and a half ago and is now still open and past due
Consumer complaint received 2021-04-14
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)

I received a catalog for XXXX and XXXX on XX/XX/XXXX. I ordered some items and paid it off on XX/XX/2021 There was no hard inquiry. My credit score went down and I am in the process of cleaning up my credit report. 
Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. 

Please remove the XXXX account also. It is paid in full.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-07
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2017-07-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ACS Education Services (FL)

In 2006 I signed my student loan promissary note with a company by the name of XXXX XXXX XXXX. Keep in mind i was XXXX at the time and unaware of laws or regulations. After I signed the promissary note I was sent my truth and lending disclosure. Nothing in my promissary note stated I would have to pay XXXX XXXX late fees if I was 5 days or more late. It just recently happened that I hit hard times within the last few years and I was coming up late on some payments. I discovered they were charging late payments of XXXX XXXX a month which according to reg Z can not happen unless that was disclosed before I signed my contract. I called the company ACS education services but they refused to comply with removing the fees. They sent me a promissary note copy but it was redacted so it did not show the entire contract. I have been paying this loan for over 8 years, and cannnot understand how they can get away with this. They said " XXXX XXXX '' is my lender but that was n't given to me either before I signed the promissary note. Is this legal? Help me.
Consumer complaint received 2021-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a catalog for XXXX and XXXX on XX/XX/XXXX. I ordered some items and paid it off on XX/XX/XXXX. There was no hard inquiry. My credit score  went down and I am in the process of cleaning up my credit report. 
Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. 

Please remove the XXXX account also. It is paid in full.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

Around XX/XX/XXXX My XXXX XXXX was stolen and used to make withdrawals off several cards. One being my chime debit card and they got {$400.00} in one transaction and {$60.00} in another. I contacted chime when I realized the card was drained and have been denied now twice. The first within a day or 2. And the next I requested the paperwork and no one would give it to me. I was escalated multiple times with no help. I finally got a person who said theyd file my claim again as what Ive described sounds like I am entitled my funds back. Every other card has given me my funds back. Chime refuses to do so and refuses to get me the paperwork used or even the denial letter. They denied my second claim within hours and now every person I talk to says theyre escalating the problem but no one sends me the paperwork. What they are doing is illegal in so many ways. I have chats saved with at least 5 agents and all of them have refused my paperwork.
Consumer complaint received 2017-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I received a call from XXXX XXXX XXXX threatening to sue and ruin my credit report over a {$250.00} debt I had with 5/3 Bank. Worried about my future, I paid the debt using my debit card and transaction is attached. On XX/XX/XXXX, I received a letter from XXXX XXXX about a debt balance I had of {$330.00} from 5/3 Bank from over 6 years ago. They said I had 30 days to respond or else this would go on my credit report. I called XXXX XXXX XX/XX/XXXX and they said their sister company XXXX ( law firm ) bought the balance from 5/3 bank and have been trying to reach out to me for the last 6 years. They said they would reduce the balance owed to {$250.00}, then to {$220.00}. I asked for further evidence about this debt but did not provide any more documentation. Concerned that my credit report would be impacted negatively, I paid XXXX XXXX {$220.00}. Realizing that I might have been scammed, I remembered that I had a debt collector, XXXX XXXX XXXX reached out about a debt from 5/3 Bank and paid {$250.00} on XX/XX/XXXX, the exact amount XXXX XXXX was looking for. This is when I knew I was scammed.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On XX/XX/2022 I discovered there were XXXX unauthorized transactions on my account. I immediately reported the fraudulent transactions via the banking app. I was provided with claim ID # XXXX. The transactions were from the following merchant. 

XXXX {$40.00} XXXX {$20.00} On XX/XX/XXXX I was sent an email stating that final determination had been made and that my claim was being closed and that no error has occurred. I immediately appealed this decision and the claim was re-opened. On XX/XX/XXXX I was told yet again that my claim was closed and that they found no error. I responded asking to be sent information regarding the merchant and where the transaction was made. I also made XXXX calls to Chime customer service once on the XXXX and again on the XXXX speaking with XXXX on the XXXX and XXXX on the XXXX. Both times my claim was closed. XXXX did advise that the transaction was made in Wyoming to which I informed here that I was not in XXXX  nor have I ever traveled to XXXX. 

We went over my transactions for that day that showed I was in XXXX, XXXX  where I reside. I also provided them with feedback from other online customers that have had similar experiences with fraudulent charges from this same merchant. Again was claim was reopened and closed. 

I have NEVER stepped foot in the state of Wyoming and I did not make the purchases. To date Chime has been unable to even inform me of what was purchased. 

I simply want my money returned to me and for this fraud to not continue. A simple google search of XXXX generates countless numbers of people claiming to have been scammed by this merchant and/or Chime with no resolution.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reported the following accounts to all 3 credit bureaus : XXXX - {$1900.00} XXXX - {$1200.00} XXXX XXXX XXXX - {$2000.00} XXXX - {$180.00} XXXX - {$240.00} These accounts were reported on the following dates : XXXX/XXXX/2020 XXXX/XXXX/2020 XXXX/XXXX/2020 XX/XX/2020 XX/XX//2020 Each letter I sent to the credit bureaus have been with no response. 

I sent letters exercising my rights to request identifying information about these accounts. I also sent letters to exercise my rights to request the method in which these accounts were verified. I have not received anything from the credit bureaus. I always allow sufficient time for my request to be investigated but they are never done.
Consumer complaint received 2018-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

TIS IS A MEDICAL BILL in the state of California it illegal if you don't have health insurance. me and my family have had state medical for over 15 years. I covers everything. THIS SOULDNT BE A COLLECTION ACCOUNT.
Consumer complaint received 2022-12-15
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. (TX)

A creditor ( XXXX ) erroneously reported a false account under my name to XXXX XXXX XXXX who reported me to all the three credit agencies resulting in a negative remark on my report. I have never used the XXXX XXXX account and I was never notified by the above mentioned collection agency. I called XXXX XXXX who admitted the error and XXXX XXXX was willing to credit back and close the account but XXXX XXXX  was unable to do so because the account was already in collection. I reached out to XXXX XXXX XXXX  who have never notified me about their actions and they have already sent my case to XXXX XXXX XXXX XXXX XXXX XXXX I disputed the account with all the three credit agencies and with XXXX and the attorney office. XXXX and XXXX completed the investigation and concluded the account was reported in error and deleted it from my report but unfortunately TransUnion did not perform accurate investigation and continues to have this account in collection.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (AZ)

I opened an apple credit card issued by Goldman Sachs on XX/XX/2022. 
Ive been using my card everyday since as I am a big fan of the cash back, and Id like a credit line increase, Ive spent thousands of dollars since opening and never had a issue with a payment, my card is declining while I still have a good amount of credit left to spend, I am a heavy spender and I have a lot of money. Im XXXX shopping. Goldman Sachs bank is running my XXXX and has LOCKED/ RESTRICTED MY ACCOUNT, and will not give me a reason why, or any information at all. Ive read reviews from other people who have had this happen and cards locked for months on end, Ive contacted them and they have made no attempt to fix my account.