davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

XX/XX/2023 there was an unauthorized debit purchase for {$56.00} at a gas station in XXXX FL XXXX and i didn't buy any gas in FL XXXXm in XXXX XXXX CA so I disputed with chime .they denied my claim I believe they neglected to.properly investigate consumer disputes and errors they violated the consumer rights under the electronic funds transfer act they do not have proper policies and procedures in place to track and investigate or resolve errors i have reached out to the merchant and filed a claim they have called e annd told me they will be reaching out to the merchant and im going to call them also because i was not credited those funds back in my acct
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

XXXX I filed the above complaint today AFTER you are closed. Your XXXX  has closed it stating you have a previous entry for the same issue????? 

How could that be as it happened today and I filed right after it??????????? 

Please call me at ( XXXX ) XXXX so I can help you understand haw wrong your XXXX  is.
Consumer complaint received 2024-04-01
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: EQUIFAX, INC. (FL)

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of 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 XXXXXX/XX/year>
Consumer complaint received 2024-04-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (TN)

This was sent regarding multiple accounts My request was as follows : Hi, please provide a 1099-C The original contract between myself and Affirm The original contract between myself and XXXX XXXX The FULL ORIGINAL account number The privacy document signed by me with the original creditor allowing XXXX XXXX  or yourself access to my personal data Proof of the accuracy of the portfolio complete with my full name Proof of Purchase of the portfolio from the original creditor Proof that the Assignment of Debt rules have been followed Proof of how XXXX XXXX, Affirm, and XXXX XXXX XXXX arrived at their respective alleged amounts owed. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 



If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 



If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 



If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 



Tell me when the creditor claims this debt became due and when it became delinquent. 



Identify the date of the last payment made on this account. 

Details about your authority to collect this debt. 

I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 



If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 






I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose.
Consumer complaint received 2024-01-12
Product: Credit reporting 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. (AL)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-02-29
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WI)

Reached out to the company XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Can not settle the collection.
Consumer complaint received 2017-03-16
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

In checking my credit report, there is a collections report from an collection agency representing XXXX. It says I owe money to them for services rendered XXXX XXXX, 2016 for the amount of {$470.00}. While I did receive services from XXXX, I also had insurance that was never sent a claim from XXXX, and a XXXX my secondary insurance that never received a claim from XXXX. Now this collections agency is showing up on my credit report. I do n't appreciate it being there. What can I do?
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

During my vacation. I rented a home XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX through XXXX. I agreed to and paid XXXX {$730.00} for the six night stay. In the property description, it was stated that " all rooms had air conditioning and that there was staff on the island dedicated to taking care of all of your needs while staying at our house. '' Upon my arrival, the home was not cleaned and I turned on the air conditioner in the bedroom and it did not work. I contacted the owner and told him that there was an issue with the air conditioner. This was via text. He replied stating that the cleaning lady would be there and she would look at the air conditioner. I stepped out the get dinner and returned only to find that the air conditioner had not been addressed. I called XXXX XXXX and left him a voicemail as well we sent him a text stating that the issue was not resolved. I never heard back from him. I tried calling the cleaning lady repeatedly as well and no response. The next morning I tried calling again both the cleaning lady and XXXX XXXX and no response. I then contacted XXXX to let them know there was a problem and they said I had to deal directly with the owner. I then sent the owner and the cleaning lady a communication that I would vacating the home and that the key would be in the lockbox. I also let XXXX know that I was vacating the home because it was to hot to reside in. 
I ended up checking into another hotel at a much higher rate due to the fact that I had no advance time. 
That same morning I contacted Bank of America to dispute the {$730.00} charge minus the one night stay of {$99.00}. I wanted a partial chargeback of {$630.00}. 
I would like to file a formal discrimination complaint against Bank of America because I feel my dispute was not treated fairly and not properly reviewed. 
Thank you very much for your time and consideration.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 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. 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 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IL)

XX/XX/2024 XXXX credit reported that I had two credit cards two months overdue. I immediately contacted XXXX and advised that I do not get any statements, nor do I pay these two accounts.I also noted that I never miss payments, and always pay more than the minimum each month on my credit cards. In a matter of days, I was notified by Citi card that they reduced my credit amount, by {$14000.00}. Prior to the XXXX error, Citi had increased my credit limit to {$20000.00}! An increase that I never wanted nor requested! This was due to report from XXXX ; although Citi has tried to cover it up by stating I have over extended my Credit! However, all of my credit cards, including XXXX XXXX - based on XXXX XXXX Report which was based on XXXX 's report, have lowered my XXXX scores considerably. XXXX also lowered my my credit rating all because of XXXX 's initial report. ON XX/XX/2024 XXXX notified me that they DELETED THE TWO PAYMENTS ON THE CREDIT CARDS IN QUESTION. I might add that XXXX had a data breach and my e-mail was listed on the " Dark Web, '' and it was XXXX XXXX  who notified me, not XXXX. I am very concerned, especially due to Citi 's reducing credit limit that I am now being viewed as untrustworthy! Again, I have never asked for any credit increases from any of my credit cards. Furthermore, I believe Citi is not practicing good business principles by authorizing credit increases when they are not requested.
Consumer complaint received 2024-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Solutions Inc (NE)

In XX/XX/XXXX, I received a notice from A/R Solutions advising that I owed a debt for XXXX relating to medical treatment for my daughter in XXXX. The notice was dated in early XX/XX/XXXX and I did not receive the notice until after my 14 days to dispute. Despite not receiving proper time to dispute the debt, I sent in written verification that I did not owe the debt and provided proof that I paid the debt in XXXX. Thereafter, the provider, XXXX XXXX XXXX confirmed I paid the debt for my daughter 's treatment, but then said I owed {$75.00} for my own medical treatment in XX/XX/XXXX. I then provided proof that I also paid everything owed for my medical visit in XX/XX/XXXX and nothing was due and owing. I paid all outstanding medical amounts in XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX sent me an email verification confirming that I did not owe anything further and that they were contacting AR Solutions to stop all debt collections against me and apologized to me for the inconvenience. 

On XX/XX/XXXX, I received notice from AR Solutions dated XX/XX/XXXX advising that I still owed XXXX XXXX XXXX {$75.00} for my medical treatment in XXXX and that I had until XX/XX/XXXX to dispute the debt. This is the second time that AR Solutions has fraudulently dated its notice of debt collection to deprive consumers of an opportunity to dispute a debt within the time permitted. It is also fraudulent to collect on a debt that has already been paid, where proof of payment has been submitted, and the provider has confirmed such. 

After XX/XX/XXXX, I asked for confirmation that no further debt collections actions would be pursued, and I was told that no such debt collection activity would occur and my credit would not be impacted. I believe I'm being harassed unlawfully
Consumer complaint received 2024-05-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (MI)

I had a situation with my regular banks debit card leaving me with only my bank account and my Venmo account. I was using my Venmo account to send a couple of payments to my spouse from my bank account until I got a new debit card in the mail. Suddenly, after two successful transactions my Venmo account was severely limited to who I could make payments to. I can no longer access my money from my bank account through Venmo. I cant make a payment to anyone more than once without XXXX automatic security system flagging my account and no longer allowing me to make a payment to the same person. Ive been told multiple times BY Venmo that the customer service reps have no way to override the security system and theyre given no access to why my payment was flagged. Before this incident, Ive been a Venmo user for several years and have had absolutely no issues in sending or receiving money up until this past month.
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I applied and received a Synchrony sports credit card, and I have been making payments on auto pay, somewhere in XXXX of last year my credit score took a dip, so Singh decided to close the account, further hurting my credit score. At this point, I had not missed a payment. a promotion ended for a balance of {$700.00} that needed to be paid for the promotion but instead of charging the penalty to the balance, they charged it to the entire balance of the credit card. Therefore, adding another XXXX dollars to the balance. This seems counterintuitive and counterproductive to Synchrony closing the account so I wouldnt go further in the debt but then they charge me {$1000.00} worth of interest, I think that that is robbery, immoral and unethical on all levels of business. Im sure this was stated in the 3000 word essay in the contract for the terms and agreement. However, in the normal practice of consumer and retail nobody ever has that time to read that again all of this seems very suspicious.
Consumer complaint received 2024-02-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

Coinbase restricted my account for more than 2 months, they told me to upload my driver 's License pictures and to verify if my address is correct. I did all of that, but when I call or text them, sometimes the support service tells me that they are on it, or they are too busy now, or to wait 24 hours, 48 hours. I can't buy, sell, or cash out and transfer my money. I need to have access to my money as soon as possible.
Consumer complaint received 2024-02-17
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MI)

1. ) Collection agency known as Hunter Warfield has not spoken with me in person, phone, nor have I received mail nor electronic communication from collection company as an attempt to collect a debt before reporting collection to credit bureaus. 

2. ) Debt Validation has not been provided by Hunter Warfield. 

3. ) Hunter Warfield is reporting a past due amount on alleged debt. It is inaccurate and illegal reporting and needs to be removed immediately.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I demand XXXX XXXX be deleted the supreme court ruled it unconstitutional! It's not a consumer transaction a loan or revolving credit line it's a violation of my constitutional rights by the state of Florida and XXXX please remove it immediately
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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
Consumer complaint received 2024-02-14
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. (PA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. 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 XXXX XXXX I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX My ONLY Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I was looking over my credit report and saw I had some accounts that wasnt mine am a victim of identity theft. XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXX .According to the fair credit reporting act 15 USC 1681 I have the right to privacy..Also according to 15 USC 6802.No financial institutions is not supposed to share my information to third parties people.these are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-02-14
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. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts above have violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : it also states that 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 conmtaining any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

5 U.S.C. 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.

These inaccuracies have prevented me to qualify for an auto loan to purchase a vehicle to commute to and from work which therefore has restricted the job opportunities that i can qualify for.