davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (CA)

On XX/XX/2022, I received a text ( attached ) from Chime, asking if I'd made a purchase {$85.00} from supreme organics. Immediately, I replied NO. Chime texted again stating that the transaction was blocked and no monies was taken from my acct. I as well stopped all transactions, cut up card and ordered a new card. To my surprise the next day, my card was charged $ XXXX {$170.00}, in total. I called the merchant XXXX XXXX, who stated no refunds, then hung up. I've made several attempts to contact merchant again, only to get a recording, every time. Chime has given me the runaround. Every time I call, my dispute is closed, and they never tell me why, but reopen it again, only to find its been denied, closed, next time I call. Chime informed me that the merchant tried to charge my card {$86.00} four ( 4 ) times with ( 2 ) getting through. XXXX has numerous complaints about this merchant, XXXX XXXX, doing this very same thing to many. I've basically been robbed {$170.00}, from XXXX and it seems I can't do anything to get my money back. Chime should never allowed the purchase to go through as they stated in their text. Or can they do whatever they please with my money. I still have an acct with chime. Should I close it.
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2020-10-21
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. (CA)

I contacted experian, XXXX and XXXX about false information being placed on my credit report I have asked these companies to conduct a investigation on this information they have in the system because its not me I have brought it to attention that the addresses and names they have in the system or not my name or address so please remove it off my credit report instead of conducting a Actual investigation the agent already said no its you there are just errors with spelling but its you without investing the matter at all so basically they asked me for the spelling of my name and address and put this on my credit report I extremely upset and I want this removed of my record this damaging and fake information is what destroys people lives
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK (MD)

Upon reviewing my credit report, I discovered that XXXX XXXX incorrectly spelled my address, thus as a result, I did not receive my billing statement and was inadvertently late on a payment. As a result of this, this cause severe harm to me as well as punitive damages. 

XXXX XXXX also incorrectly listed my address on my billing statement. Again as a result, my statement was not recieived and my payment was inadvertently late.
Consumer complaint received 2022-04-05
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: CITIBANK, N.A. (AZ)

Purchased a tablesaw in XX/XX/XXXX with the HomeDepot Credit Card ( run by CitiBank ) and received an incomplete product. Requested a refund and for the item to be returned in XX/XX/XXXX. Contacted both Home Depot and CitiBank about the matter in XX/XX/XXXX. I filed a dispute with CitiBank for the amount of the purchase, {XXXX}. Dispute was later closed XX/XX/XXXX and marked resolved with a vague letter not clearly stating what the resolution was. CitiBank stated over the phone the credit was approved but will not refund the credit until they get confirmation the tablesaw has been returned to Home Depot. I have called Home Depot numerous times to come pick up the item and to notify CitiBank once they do. Home Depot fails to come pick up the item. I have informed CitiBank of this ; they stated they want me to begin making payments on the {XXXX} amount until the item has been returned and refuse to re-open the dispute.
Consumer complaint received 2017-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TN)

Account Details Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$150.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX
Consumer complaint received 2021-09-15
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. (WA)

This is a complaint against the timeshare XXXX by XXXX. We spoke with their employee XXXX XXXX, XXXX OR location. He said he's also an owner and claimed that he doesn't get commission. We were told we're making a good financial investment because I can sell it & make profit, that we can actually make money from it by renting it out thus earning us rental income. They enticed us by telling us we will never have to pay maintenance fees again, that we can use our points to offset the fee. They promised things would be positively different each time things got worse. They also told us that resale value would go up which is another reason for good investment & it has some tax benefits similar to owning a second home. They had our IDs during the process. They offered gifts such as giving us 7 days to Hawaii but we never actually got it, we didn't get anything at all. We felt pressured & rushed when they said it's our last chance at the lowest price being offered and if we don't but that day, the price won't go back down. We felt we're being given a special opportunity to get this, saying they needed " corporate '' approval in order to grant us the price being offered. I felt I was profiled because I am a minority, they also asked me qualifying questions such as if I have a credit cardit so they can open a credit card for me which I didn't want. They had me open a credit card which they never explained what for, I never received a copy of the application, and was never informed of the fees, it was never explained to us. Everything felt rushed to the point that they didn't even allowed us time to read through the contract because they were rushing me. They told me they would email me an original copy of my contract but I never received anything from them. One more problem was that I wasn't made aware of the cancellation process, they didn't even proactively educated us as to how many days to cancel which should have been part of the discussion. I have copies of things I sent them, I've sent requests to cancel for a couple of times but got rejected every time. We've been stressed out because of all the lies & fees we have to pay. We're having financial difficulties due to this timeshare concerning out home mortgage, kids tuition, which we're having trouble paying because of the timeshare. We're getting XXXX, worrisome and XXXX caused by this timeshare to the point that we're getting work stress, issues, missing work because of all the stress from this timeshare. This even have an effect to us losing a lot of sleep. I had the worst experience with this timeshare, being lied to, being pressured and had to sit there for more than 8 hours & now I have been stressed out ever since buying this timeshare. We were simply defrauded, lied to and was taken advantage of.
Consumer complaint received 2020-11-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (MN)

In XXXX was leasing a XXXX XXXX XXXX XXXX XXXX. On XXXX, XXXX I made a lease payment of {$3300.00} which posted to my account. The intent was to pre-pay 6 months of payments, XX/XX/XXXX I was contacted by XXXX XXXX a salesman at the Hyundai dealership located in XXXX XXXX, Minnesota offering to get me out of my lease on a XXXX XXXX XXXX XXXX XXXX and replacing my vehicle with a XXXX XXXX under a new finance offer of 0 % financing and 3 months deferred payments. I clearly understood the terms. On XX/XX/XXXX I agreed to the terminating the lease and purchasing and financing of the XXXX XXXX. The XXXX XXXX XXXX dealership said I needed to talk with Hyundai Finance USA in regards to the refund of my {$3300.00}. It took until XX/XX/XXXX for XXXX XXXX XXXX account to reflect a closed account. I was told by the finance service rep that the refund and a monthly payment refund should be processed " soon ''. As of today, XX/XX/XXXX. I have talked to 7 finance representatives, XXXX on XX/XX/XXXX, XXXX XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. All of these reps made notes in my file. I know this because I would insist they read them while I was on the phone with them. 
Some of them said they were a supervisor only to be told that they would send an email to the finance department in regards to my account. They were all very thorough but said the email was all they could do. I've asked to talk to someone in finance but they said emails from the rep was the only way to communicate with that department. As of XXXX XXXX XXXX, the rep quoted from the notes in my account that I am still owed {$550.00} plus {$2100.00} a total of {$2700.00}. 
I really need this money to make the future payments on the XXXX XXXX. I thought this would be an unquestioned situation.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX, two instances of identity theft occured : 1 ) A fraudulent unemployment claim was made in my name to the California EDD and 2 ) My BofA EDD Debit card was hacked and the address and identifying information was changed making it impossible for me to gain access and control of the account. 

Since XX/XX/XXXX, I have attempted to resolve these issues through multiple calls, emails, faxes, and on line submissions, and have not been successful. I reached out to my local representative XXXX XXXX for assistance who open a case with EDD. The EDD then called XX/XX/XXXX to advise me that the UI Claim has been flagged as fraudulent and denied, and recommend that I reach out to you to assist with closing my BofA EDD Debit card account.

Bof A has informed me that they can not close the account because of the {$900.00} balance that was deposited by the EDD as part of the fraudulent UI claim, and they can't send the {$900.00} back to EDD. The EDD has instructed me to have you help me close the BoA account and then I can send the {$900.00} to EDD Benefit Recovery.
Consumer complaint received 2023-01-19
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. (AZ)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentially under 15 usc 1681. 

XXXX, XXXX and TransUnion have violated my rights to privacy and confidentially. 

15 usc 1681 section 604A states that I have the right to privacy.

15 usc 1681 section604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 usc 1681c ( a ) ( 5 ) States, no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 usc 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (GA)

I was involved in a car accident XXXX, the other driver was at fault I went to the emergency room, and XXXX XXXX XXXX   company took the responsibility of my hospital bills because they're driver was at fault, XXXX XXXX took awhile to pay my hospital bills, so the bill has been placed into collection by CAPIO PARTNERS the account was opened by capio partners on XXXX, also once again on XXXX I disputed this account with capio partners telling them that XXXX XXXX insurance paid this bill on XXXX to XXXX ga XXXX XXXX XXXX XXXX dept, but CAPIO PARTNERS refused to take my account out of collections and they are reporting the same account twice, also reported the account before the allowed 6 month time period, and I was not provided with a dunning letter asking me if I wanted to dispute the account before putting it into collections, when I submitted my dispute and requested validation of this debt from capio partners, I request that capio partners submit a universal data form deleting this account from any credit reporting agency
Consumer complaint received 2020-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Immediate Credit Recovery (GA)

Since XXXX I have been trying to settle a debt that the college says I owe. There was a glitch in THEIR system ( I have emails of them admitting error to the errors ). They issued my my student refund before settling my book store account, which came to about {$1200.00}. The college refused to give me my transcripts. I have since had a no asset bankruptcy discharged ( XXXX ) and this debt was listed and discharged as well. They also sold this debt to a collection agency, a couple of months after being notified of the filing and discharge. The same collection agency states that they did see that this debt was included in the bankruptcy and sent a request to the university that I be given my transcripts. However, the college is still requesting the balance from me before I receive my transcripts. It is ILLEGAL to attempt to collect on a debt that was discharged in a bankruptcy proceeding. The college attempted to tell me that the debt could not be discharged because I took out a student loan. However my student loan provider is in the process of discharging this loan due to the negligence and mishandling of student loan funds by the college in my case. The fact that I am unable to pursue a higher education ( which the same colleges should want ) at another university due to this college negligence is causing me a great deal of mental and emotional distress.
Consumer complaint received 2017-07-06
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a text alert from the Bank of America stating that my  Visa card was temporary locked and asking me to call the number they provided. I did so and gave their automated line a lot of personal information. I then called Bank of America to q  uestion that text and they said the number was a fraudulent one. They told me to e-mail   XXXX  , which I did, they cancelled my card and will reissue me a new one.
Consumer complaint received 2020-10-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The credit card guarantees that I won't be held liable for unauthorized or fraudulent charges. But the bank failed to honor a valid credit card claim. I disputed a transaction ( Claim number : XXXX ). The bank has misguided me during the dispute process and failed to properly pursue the dispute even though it is a valid one. The bank informed me that the dispute is closed and it does not want to take any further action to process my valid dispute. The bank has a copy of all the information needed regarding this claim.
Consumer complaint received 2017-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I 've been attempting to close my account and have plenty of issues with closing the account by phone. I am not able to visit a branch location to close the account because I am out of the country currently. They continue to charge me a monthly maintenance fee and this is a result of not being able to close the account on time. Bank Of America will not waive those fee 's even though they ca n't close my account.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (OR)

Early winter XXXX I bought a frig thru Sears with 5 % reduction and 30 day return. I exchanged frig for a larger one with same t/c. My Sears account became a CITI account somewhere along the process. Early Spring I bought a XXXX gas range on same account as frig. Both on one year warranty. XX/XX/XXXX the range exploded and burned my house 100 %. No pmts after this. My view was Sears owed me new products or return of funds. CITI labeled me bad and my credit went from XXXX to near XXXX. CITI said it was a SEARS issue. Sears went into bankruptcy and did not handle warranty.

When Sears finally settled its court time, CITI had long ago called me a flake and turned me to collection. 

I hired XXXX  to fix my rating which they failed to do. Now, my getting credit is not possible with a bad record and my age, XXXX. 

I NEED DIRECTION XXXX XXXX
Consumer complaint received 2017-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I called Transunion to ask for the inquiries to be removed from my credit report and was told I have to file a dispute. I was also told that they can not remove credit inquiries. I have already submitted 2 different dispute letters due to noticing inquiries that had once been removed and are now showing on my most recent report again and nothing has been done. Here are the following inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX , XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX-XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have a collection account listed on my credit reports by a debt collection agency, Account resolution services collecting on behalf of XXXX XXXX XXXX XXXX Account resolution services is not licensed to collect in the state of Florida and therefore I am disputing this collection account.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CT)

On XX/XX/2022 I transferred money a total of XXXX dollars from my XXXX account to my XXXX Chime bank account. The transfer went thru. In the next couple of days the Chime card worked fine. Around the XXXX of XXXX I ordered a pizza. When I went to pay. I was declined. So I look up my chime account and I'm XXXX XXXX dollars exactly the amount that I spend the last few days. I end up calling Chime to get answers and got the run around for about 4 hrs. I was told to take pics of my transactions and my transfers and send them to customer service which I did. That was last Friday. It's now Tuesday the XXXX of XXXX. No answer back. My account has been closed by them. Everytime I try and call Chime it just hangs up on me. The system recognizes My phone number and says your account is closed. Goodbye " click ''. They never said they were closing my account. They didn't say that they were sending me a new card. They just closed it with no reason as to why. I have all the info. The money just disappeared. It is something internal with Chime. There are thousands of people online that have had or is having the same problem as I. I'm on XXXX losing this amount of money is devastating for Me. I hope you can help me get some answers and get my money back.. Thank you.
Consumer complaint received 2022-11-18
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. (MA)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND XXXX XXXX XXXX XXXX XXXX 

I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

I have also made a request to the student forgiveness department on the student aid website to remove this from the account anyways as it is under {$10000.00} and has the same guidelines that fit the criteria. 

I am reaching out and trying to be as polite as possible for you to take the account off of the attached SSN. ALSO SOME OF THESE ACCOUNTS DO NOT EXIST ON OTHER CREDIT PROFILES! There are different account holders for each account on XXXX, EXPERIAN AND XXXX! 

( XXXX XXXX XXXX ) Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate