davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CT)

I opened a Chime bank account a few months ago because I was interested in their high yield savings account. I transferred a lot of money from two other personal bank accounts and at the end of XX/XX/2021, I had about $ XXXX in a Chime savings account. I am now in the process of closing on a home and I need to access my funds for the down payment. Chime does not offer external wire transfers or certified checks so in order to have this money available, I have to transfer it back out of the account to an alternate checking account. Chime has a limit of $ XXXX per day and $ XXXX per month that can be transferred. On XX/XX/XXXX, I transferred $ XXXX out of the account, on XX/XX/XXXX I transferred another $ XXXX out of the account and on XX/XX/XXXX I transferred the last $ XXXX out of the account to bring me to the monthly limit. I was planning to do another large transfer at the beginning of XXXX in order to have everything available for my XX/XX/XXXX closing date. I received an email from Chime on XX/XX/XXXX that they froze my account. I made numerous attempts to call them ( they claim their support team only operates via email ). So I sent an email. Every day this week they write back asking for another piece of documentation. All of which I have provided in a timely manner. It has been over 24 hours since they last responded and I have made it very clear how important it is to look at everything I have submitted to show all the transfers were legal and legitimate and they have not replied. I am starting to panic that my funds are going to be stolen. I also can't even access the account to provide statements for my mortgage lender to show proof I have the money. I am in desperate need of assistance as the bank has zero sense of urgency and is not helping me.
Consumer complaint received 2022-04-13
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. (FL)

1. In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 2. In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX, Account # XXXX, 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. Also, I have paid this charge off in full therefore it should be removed from my account, 3. In accordance with the Fair Credit Reporting act, XXXX XXXX, Account # XXXX, XXXX5 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. Also, I have paid this charge off in full therefore it should be removed from my account, 4. In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # XXXX, 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. Also, I have paid this charge off in full therefore it should be removed from my account. 

5. In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, 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 2022-04-13
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: Experian Information Solutions Inc. (KY)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-13
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: Chime Financial Inc (MA)

My wallet with my Chime Credit and Debit cards was stolen XXXX  ( XX/XX/2022 ) night and by XXXX  morning by XXXX every XXXX  on my credit card had been removed ( {$410.00} ) via XXXX  and XXXX XXXX I filed a dispute immediately Saturday ( 2-3 hours after the fraudulent charges ) and reported my items stolen. Chime decided today ( XX/XX/XXXX ) that the transactions were authorized and refuses to return my {$410.00} to me. Worst banking experience in my life and Im already struggling paycheck to paycheck, now I have nothing but my meager savings to live off of until I start my new job which has been delayed. Meaning I cant afford anything.
Consumer complaint received 2022-04-13
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. (FL)

1. In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 2. In accordance with the Fair Credit Reporting act, XXXX  XXXX, Account # XXXX, 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. Also, I have paid this charge off in full therefore it should be removed from my account, 3. In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, 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. Also, I have paid this charge off in full therefore it should be removed from my account, 4. In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # XXXX, 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. Also, I have paid this charge off in full therefore it should be removed from my account. 

5. In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX, 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 2022-04-13
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: Experian Information Solutions Inc. (TX)

FRCA Violation credit cards late payment XXXX FRCA Violation auto loan late payment XXXX XXXX FRCA Violation real estate loans late payments XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX FRCA Violation inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX
Consumer complaint received 2016-02-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The disputed account has been given ample time to validate their position of maintaining a collection account on my personal credit profiles. It is now time that I request a division of the Federal Trade Commission known as the Consumer Financial Protection Bureau to demand accountability. I have never paid on any account to this organization. This company obtained my personal information from a debt pooling service. There was never a legal assignment or transfer of ownership. FTC XXXX XXXX XXXX XXXX ( 2009 ) stipulates XXXX criteria f a legal collection process : 1 ) The debt must be within the resident jurisdiction of legal collectability 2 ) the ownership transfer must be in hard copy documentation, backed up upon request and 3 ) the individual must be given ample notice or 30-days that the legal collection could be posted on a person 's credit report is not rectified within said 30-day notification. In this matter, the collection company failed on all three criteria. The CFPB needs to monitor and sanction XXXX XXXX XXXX, and a " Cease & Desist '' must once again be administered against this company for such illegal collection practices.
Consumer complaint received 2023-07-28
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XXXX XXXX XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX  High Credit : {$46000.00} {$46000.00} {$46000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XXXX XXXX XXXX Comments : Closed - Closed or paid account/zero balance Auto Date Last Active : XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK XXXX OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK XXXX OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK XXXX O 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Consumer complaint received 2022-04-13
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: EQUIFAX, INC. (LA)

FRCA Violation personal information XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation auto loan XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FRCA Violation credit card XXXX XXXX FRCA Violation other loans XXXX XXXX, XXXX. 
XXXX XXXX XXXXXXXX FRCA Violation hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had a Capital One credit card. I had unexpected medical bills so I called all the credit card companies to see if they work with me in interest rate and lower payments. Capital one agreed to let me pay {$50.00} a month. They never sent a statement after that and drafted the money out of my account every month probable over a year. Then a couple of months there was nothing. The next thing a policeman shows up at my door serving me papers where they had turned it over to XXXX and XXXX. I did n't want to go to court so I set up payments with XXXX and XXXX. I do n't if that is what I owe them. I never received a letter from Capital one saying they were turning my account over. Never received statement from Capital one and never received anything from XXXX and XXXX as proof that I owed the amount they said I owed. I have been paying them for well over a year and now I get a letter saying to mail my payment to XXXX attorney at law. Do I need to request that they send proof of the amount they say I owe. I do not feel like I owe that much and why would attorney turn it over to another attorney. I feel like they are scamming me.
Consumer complaint received 2022-04-13
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. (LA)

FRCA Violation personal information XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FRCA Violation auto loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRCA Violation credit card XXXX XXXX  FRCA Violation other loans XXXX XXXX, XXXX. 
XXXX XXXX XXXX FRCA Violation hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-11
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: Experian Information Solutions Inc. (NJ)

I have contact all 3 credit companies and they stated they can not remove the inquires. I did not authorize any of the listing below to run my credit. I have tried to submit to remove the online and by calling, no one is able to help me. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX   XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2018-12-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Recovery and Collections, Inc. (WA)

I rented an apartment in XXXX XXXX, NV in XX/XX/2014 from a property management company called XXXX XXXX XXXX. I moved out after a couple of months because I could no longer afford to live there. The company had a lease agreement and wanted to collect for the rest of the agreement, which of course I could not pay. I never paid anything on the account, and years later I noticed it on my credit report. I looked up the laws regarding the collection of debts in Nevada and there is a 4 year statute of limitations on the debt. It has been almost 5 years now. The credit report shows that XXXX XXXX XXXX turned the collection over to Sentry Recovery & Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX in XX/XX/2014. The credit report also shows I have already paid 15 % toward the debt, which is not true. XXXX  eliminated the debt from my report after I disputed it, but XXXX  determined that they would not remove it from my report.
Consumer complaint received 2022-04-13
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX the following partial Account # s have violated my rights. 
XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (LA)

I was aggressively pursued by a deputy who came to my place of employment to serve me with papers for Debt owed that I am unaware of or the Debt owed is well beyond the Statues of Limitations for the State of LA ( 3 years ). LNNV Funding is stated as the company owed in the papers received with XXXX XXXX  XXXX collecting the debt on their behalf. 

I have never been contacted or received paperwork in the past to indicate this debt was owed yet I have been humiliated in front of my fellow coworkers by being served by a Deputy I have in the past deputed with XXXX Credit Bureaus the information on my record only to be harassed by the 3rd party collectors who are collecting for these companies. 

The paperwork ask that I ay {$7400.00} plus 5.75 % interest from the Date of Judgment - XX/XX/20 plus 25 % principal and Interest and all court costs subject to a credit of {$0.00}
Consumer complaint received 2018-12-23
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. (GA)

I have filed a complaint before on this matter and Experian still has not corrected this. XXXX XXXX  XXXX  XXXX. XXXX XXXX XXXX XXXX, NY XXXX is still showing on my credit file. I have filed a Identity Theft report and police report stating this isn't my responsibility. I have contacted Experian several times and sent all documents and proof of my Identity as well. THe FCRA prohibits them from reporting or keeping this on my file if Identity is compromised, but Experian and XXXX XXXX XXXX has just up dated this information again. Also XXXX XXXX has not validated or proven this after several request to do so. I have asked for the original instrument of indebtedness several times and XXXX XXXX XXXX  sent me a bunch of statements which is NOT acceptable per the FCRA as these types of documents can be altered and manipulated by any one. XXXX  and XXXX has deleted the information from my file as required.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Paramount Recovery Systems, L.P. (LA)

Back in XXXX of 2023, I received a bill from Paramount Recovery Systems in the amount of {$820.00}. I knew I was not responsible for such a debt after repeatedly checking back with the hospitals I received medical care at. 

I called the phone number inquiring about the bill, and the worker was very rude and dismissive and sounded like she just couldnt be bothered. 

In that same month, I sent this company a dispute letter requesting these 4 things : 1. The amount of the alleged debt 2. The full name and mailing address of the original creditor for this alleged debt 3. Documents showing they have verified that I am responsible for this debt, or a copy of any judgement 4. Documentation showing that Paramount Recovery Systems is licensed to collect debts in the state of Louisiana On XX/XX/year>2023, I received a letter from them stating that the account has been closed and that the same account has not been reported to any of the 3 major credit bureaus from their office. 

So they were unable to provide me with any proof that I am responsible for such a bill. 

However, whenever I recently checked my XXXX credit report, Paramount Recovery Systems is listed on there. 

If they never reported anything to the 3 credit bureaus, then how else would this company appear on my credit report? 

This is illegal. And they should not be able to go into peoples credit reports and report whatever they want like that.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I opened a new account at Charles Schwab, a checking account with debit card and checks, as well as a XXXX account on XX/XX/XXXX. I transferred XXXX XXXX dollars into my checking account and they locked my account without any warning text, no email, no phone call, no nothing. Just a message when I try to log on saying my account is on na security lock and to call customer service. Now a month later, still no access to my account or my money. Every time I call, they say they can't tell me anything, it should be 2-3days. It ; 's been a month, I need access to my funds. Please help.