davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

Im a member with Chime bank and have been a victim of fraudulent activity. On Friday XX/XX/2022 there were 2 ATM withdrawals from my account for {$400.00} and {$120.00}, I called the bank immediately and told me they werent able to do anything at the moment due to the transactions still pending which made no sense because the funds were stolen from my account! I asked how could this happen and one representative even said scammers are duplicating cards ( an issue they seem to be aware of ) I asked what have they been doing to prevent these situations and no one was able to give me a clear understanding of how they process this all I was told was to open my dispute for them to investigate after the transactions have settled. Comes Sunday XX/XX/2022 and I open a dispute as soon as the transactions settled, a few hours later I receive an email saying my case was closed because they saw no error and came to the conclusion that the transactions were authorized, so I give them a call to state I did not agree and that something needed to be done because I was at work when these transactions were made, I did not authorize them, and I had possession of my card the whole time so how was this possible? I told them I had proof of being at work in the clock while this happened and I even sent an email of my time card. According to the representative this case is being re-investigated but honestly I dont trust or believe that. The whole company should be under investigation there is no reason why my money was easily stolen from an account I believed would be safe and secure. This is really devastating and very frustrating I hope no one else goes through this and if you bank with Chime its best you just close your account. Clearly they arent a competent bank.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion is currently reporting inaccurate information on my credit report..TransUnion is currently reporting an inaccurate Social Security Number on my Credit file. This Changing or false information occurred only after i made a complaint to XXXX about my TransUnion credit file was not being reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe XXXX XXXX cant access my TransUnion Credit file is because the inaccurate Social Security Number being. I have enclosed a copy of my Social Security number and Valid Texas Drivers License. TransUnion for the second time deleted my XXXX XXXX XXXX XXXX Account # XXXX without my authorization.
Consumer complaint received 2024-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I noticed unauthorized 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
Consumer complaint received 2019-03-06
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. (CA)

I bank at XXXX XXXX and because of my good credit, I applied for a credit card that I paid on time. I had some health problems and was hospitalized and I wasn't able to make 3 payments on time during the months of XXXX XXXX and XXXX of 2018. After my health improved I went inside the bank and spoke with a rep and decided to pay the account off in full. I expressed concerned about the key derogatory marks that were showing on my report, the rep explained that after I pay the account in full, it would show me current and reverse the bad markings. Well after that when I reviewed my report months later, the account notes says '' it was settled for less the balance '' and the key derogatory marks for XXXX XXXX and XX/XX/2018 were still there reporting. To add insult to injury, two more key derogatory marks were added for XXXX and XX/XX/2018 after the account had been paid off. I am trying to get qualified to buy a home and these derogatory marks are affecting me adversely. I tried contacting XXXX XXXX but they say that they cant be removed and to contact the credit bureaus. The credit bureaus say XXXX XXXX is verifying the account. I just want to buy my home.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I've been working with XXXX for over a year, now. Trying to get my credit cleared of Collections and medical bills. After so long I finally started to get the collections and medical bills taken off my report and I finally got all collections off my credit file. Then a few months later I was on XXXX  and the collections reappeared. Ever since then XXXX work on continuously to get them removed.
Consumer complaint received 2021-11-04
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: EQUIFAX, INC. (TX)

I recently disputed the items listed and I don't believe a proper investigation was done. You have failed to properly investigate and remove these frivolous accounts and have not provided validated proof of any findings that prove this account was authorized by me. I request per FCRA requirements. This account should be deleted immediately. I also attached a copy of the FTC report including these fraudulent accounts.
Consumer complaint received 2019-03-06
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: EQUIFAX, INC. (CA)

I bank at XXXX XXXX and because of my good credit, I applied for a credit card that I paid on time. I had some health problems and was hospitalized and I wasn't able to make 3 payments on time during the months of XXXX XXXX and XXXX of 2018. After my health improved I went inside the bank and spoke with a rep and decided to pay the account off in full. I expressed concerned about the key derogatory marks that were showing on my report, the rep explained that after I pay the account in full, it would show me current and reverse the bad markings. Well after that when I reviewed my report months later, the account notes says '' it was settled for less the balance '' and the key derogatory marks for XXXX XXXX and XXXX 2018 were still there reporting. To add insult to injury, two more key derogatory marks were added for XXXX and XXXX 2018 after the account had been paid off. I am trying to get qualified to buy a home and these derogatory marks are affecting me adversely. I tried contacting XXXX XXXX but they say that they cant be removed and to contact the credit bureaus. The credit bureaus say XXXX XXXX is verifying the account. I just want to buy my home.
Consumer complaint received 2020-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have unauthorized inquiries that are not by my doing and I have accounts marked late which is not correct and accounts that don't belong to me and some other issues detailed in a letter attached
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc. (TX)

I received a notification from RFGI Rozlin Financial Group that they were attempting to collect a debt I allegedly owed XXXX  of XXXX. In response I called XXXX XXXX account mgr. and told her that I never was involved with XXXX, that apparently someone attempted to use my identity to create a profile on XXXX, a dating site, and charged the fees to my credit card. There were other fraudulent charges on my card as well. When I noticed the fraudulent charges I shutdown the credit card and the credit card issuer denied payments These charges have all been resolved, however ; XXXX refused to cooperate even though they were notified within 48 hrs of the charge being made and even though I've never used their " service ''. I attempted to explain situation to XXXX representatives on more than one occasion and they were unresponsive. Now it seems obvious that they've " sold '' this debt to RFGI. XXXX XXXX, their representative instructed me to file a report with IdentityTheft. gov however I've been utterly unable to effectively do so on that platform as it won't allow me to sign in. Besides I doubt that identity theft is really the best description of what actually happened. Someone attempted to use my identity to their own ends on this XXXX  site, apparently, but that's not my problem. My problem is they stole my credit card info to pay for it. I don't even know if a dating profile claiming to be me was ever posted because I never went to the XXXX  site.
Consumer complaint received 2022-06-09
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: EQUIFAX, INC. (TX)

There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. There collection companies do not have a contact with my signature.
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (NJ)

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX, NJ XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-03-06
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. (CA)

I bank at XXXX XXXX and because of my good credit, I applied for a credit card that I paid on time. I had some health problems and was hospitalized and I wasn't able to make 3 payments on time during the months of XXXX XXXX and XXXX of 2018. After my health improved I went inside the bank and spoke with a rep and decided to pay the account off in full. I expressed concerned about the key derogatory marks that were showing on my report, the rep explained that after I pay the account in full, it would show me current and reverse the bad markings. Well after that when I reviewed my report months later, the account notes says '' it was settled for less the balance '' and the key derogatory marks for XXXX XXXX and XX/XX/2018 were still there reporting. To add insult to injury, two more key derogatory marks were added for XXXX and XX/XX/2018 after the account had been paid off. I am trying to get qualified to buy a home and these derogatory marks are affecting me adversely. I tried contacting XXXX XXXX but they say that they cant be removed and to contact the credit bureaus. The credit bureaus say XXXX XXXX is verifying the account. I just want to buy my home.
Consumer complaint received 2024-03-15
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (MO)

In XXXX of 2022, we tested a wifi hotspot from a locally-owned XXXX store in on XXXX XXXX in XXXX, MO. 
We returned the device within the 30 days required for a refund due to the inefficiency of the bandwidth of the item. 
The store claims that they never received the device back. 
We went by the store after receiving the bill to confirm that they had the device and were going to correct the amount owed. They agreed. 
The next month the bill came and still showed the outstanding amount, so we then called XXXX customer service line. They created a case and ensured us they would correct the fee after talking with the store. We called again and confirmed same thing 1 month later, but to no avail... the charge remained and ultimately went to collections. We do not own or use this device and returned it within the proper time frame that was required, therefore we do NOT owe this fee.
Consumer complaint received 2022-08-08
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. (MI)

In accordance with the Fair Credit act XXXX XXXX account number XXXX  has violated my rights. 15 U.S.C 1681 section 602A. i have rights to privacy. 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

I signed up with Lexington Law on XX/XX/. I paid {$130.00} upfront for the premier services. I Stayed with Lexington law for 5 months and only had 3 negative items removed. I Kept calling making complaints, that pushed lexington law to only remove 3 negative items. I wasn't satisfied with the services so I've decided to cancel on XX/XX/XXXX. The representative told me that I have to pay a {$180.00} cancellation fee, I tell the representative that I wasn't even informed about a cancellation fee the day of sign up and it wasn't mentioned in the contract. After I tell the representative that I'm not able to make a payment that same day, The representative tells me that payment would be collected every Friday until the cancellation fee is paid. Since than, Lexington Law has been trying to collect {$180.00} weekly payment. I refused to pay THEN and still NOW. I didn't think it was fair that I paid a total of {$650.00} for credit repair services that I didn't receive no good results.
Consumer complaint received 2020-11-25
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mercedes Benz Financial Services (GA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows :
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NJ)

To my knowledge, I was never late on my Chase credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/2018 which is not true. I have had this credit card since XX/XX/2018 with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.
Consumer complaint received 2022-01-16
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: Kikoff Inc. (VA)

There was an collection account report to my Consumer Report on XX/XX/2018 by University XXXX in XXXX XXXX XXXX XXXX, GA XXXX. I never been to this XXXX and contacted them asking them to remove this from my Credit Report and they refuse to. My Constitutional Consumer Rights have been broken for under 15 US 1681 b ( 2 ) it clearly states the following : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give XXXX XXXX or anyone there the approval or consent to report anything on my behalf on my Consumer Report. This is a Violation of Rights and no matter what they their policies state it does not supersede Law.
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

To my knowledge, I was never late on my Capital One credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount. Like even now my balance is {$0.00} because I make sure to maintain my credit properly.
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: MODERN FINANCE COMPANY (CA)

I have a loan with MODERN FINANCE COMPANY. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and MODERN FINANCE COMPANY with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX were no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late - XX/XX/XXXX
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2018-03-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Re : Toyota Corolla - XXXX -VIN : XXXX. I sincerely believe that Im a victim of a yo-yo and/or spot delivery scam perpetrated by Toyota Financial Services ( TFS ) and XXXX XXXX Toyota, XXXX, TX on or about XX/XX/2015. Additionally, TFS, in collusion with XXXX XXXX sales personnel and finance department, misrepresented the facts during the car-buying and loan-signing process. I was told that TFS was requiring that I purchase an extended warranty, disability, and gap insurance. Although I indicated that I did not want the extended warranty or the disability  or gap insurance, the finance officer stated that Toyota Financial Services would not finance the loan without these add-ons. During the loan-signing process, I stated that the monthly auto payment of {$650.00} would be a major financial challenge for me. Because my trade-in had been sold and of my fear of being without transportation and having little-to-no knowledge of contract law, I reluctantly and under great duress signed the deal to purchase the XXXX Corolla. I'm presently under the care of a XXXX ( XXXX XXXX XXXX, MD of XXXX Hospital ) because this matter has caused me great XXXX and thoughts of XXXX. Additionally, I've received no support, financial or contractual solution from TFS despite several phone calls, emails and faxes complaining about this matter. 


I would like for TFS to immediately cease any planned repossession of my auto until this matter can be resolved. And I would like for TFS to do a very thorough and complete audit of my loan documents that are currently in the hands of XXXX XXXX Toyota of XXXX. 

I am seeking immediate relief and would like all parties involved ( myself, Toyota Financial Services, Toyota Motor Corporation and XXXX XXXX Toyota ), and all those who have a fiduciary interest in this matter, to provide such relief that will be beneficial to all. It is my desire to resolve this matter without the need to involve the courts, Texas Department of Motor Vehicles, the FTC, the press, social media, etc