davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (CA)

Chime the Company. 

I have tried to access my account through the company directly to no success. I even tried to reach out directly to their CEO and I have not heard back at all, which shows their company culture 's imbalance and lack of respect for their loyal customers reflecting their discriminatory practices. 

The customer service people have not gotten back to me regarding the status of my account with them and they keep asking for a selfie with a piece of paper with the customer 's name and date holding it up like a terrible mug shot. 

US Citizens will not participate in the company 's requirements as the official government issued ID is solid and good enough to prove identification with the proper tools necessary in person when it comes to financial services. 

Please look into this technology company 's best practices to ensure that people 's identities are intact and belongs to the proper folks whom it belongs to. Their digital verification is wonky and I have not been able to access my Chime account since they keep asking people for selfies, which I refuse to participate in. 

I will never bank with a digital banking company that does not have an in person site ever again. I don't even know if these companies are really run by the people who claim to be live people for all I know. Please do look into Chime " bank '' the company deeply, for the sake of the consumers. 

Thank you.
Consumer complaint received 2021-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

XX/XX/XXXX mortgage payment was not processed properly. I always send XXXX money orders in the same envelope by express mail. I sent XXXX money orders, {$500.00}, which they showed they received and {$680.00} to pay {$1100.00} XX/XX/XXXX2021 payment. The {$680.00} which they did not process, which was inside of the envelope. 

Mr. Cooper did process the {$500.00} but not the {$680.00}. I made my XXXX call on XXXX/XXXX/21 for them to investigate, I never received a call back. On XXXX/XXXX/21 when I called to inquire, I was told that everything was corrected and was showing that the account was up to date. On XXXX/XXXX/21 when I called to check for the XX/XX/XXXX2021 payment was processed correctly. Again I was told everything was done abd processed. When I asked if the fee that they charged for XXXX payment was reversed and credit information was corrected I was told no. At that point I asked to speak to a manager. Put on hold, waited for an hour and nobody ever came back on phone. I waited to get my next statement which arrived on XXXX/XXXX/21 to make my XXXX 1,2021 payment. On the statement it is showing that I am due for 2 months. 

XXXX/XXXX/21 called Mr. Cooper and they now say that the payment has been reversed back out and I need to send them documents. I said they should be able to pull documents from when they received this express package and documents in envelope. I asked to speak to a Manager and they would not transfer me to a manager or escalate to higher up.
Consumer complaint received 2020-07-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG MORTGAGE, INC (TN)

My husband and I have been working on our credit to get a home loan. We first contacted XXXX XXXX with CMG Financial in XXXX to see what we needed to continue to raise our credit score. XXXX had been very helpful at first and answered questions as the months passed. We had no contact with XXXX between XX/XX/2020 to XX/XX/2020 to ask him to run our credit and get the process started fully, until I saw an unauthorized credit pull from CMG I instantly texted him and asked why he pulled our credit without our authorization. I have full texts that he " jumped the XXXX '' as he said and did apologize for pulling them and " felt we were doing business and had not been told otherwise ''. That is not an excuse for pulling our credit without authorization. We now have lost points on our credit due to is negligence to our personal information.
Consumer complaint received 2022-07-16
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. (AZ)

After a complete and in-depth review of my credit report maintained by EQUIFAX, I found the following UNAUTHORIZED inquires. Please note that I never applied for credit with these companies : ..... 
XXXX XXXX on XX/XX/XXXX ... XXXX  on XX/XX/XXXX ... XXXX  on XX/XX/XXXX ... XXXX XXXX ON XX/XX/XXXX.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I've disputing this account for a whole year now and nothing has been resolved and its errors all over my credit report and nothing has happened. I disputed my account myself several times over and over and EQUIFAX still haven't reached back out to me not one time and its been very frustrating. The date of last activity is incorrect the high balance also is inaccurate there's a lot of information that's on that's hasn't been fixed or deleted. 

So now I want to seek damages for financial injury. According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation or this account I've been disputing for so long deleted now!
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

There was an unauthorized charge of {$2000.00} on XX/XX/XXXX via a " online advance ''. I did not authorize this, nor have I ever. My claim was wrongfully denied.
Consumer complaint received 2023-06-27
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)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Again, Per the FCRA as a federal protected consumer I am now opting out of any and all authorization, I the consumer may have given you. Written /unwritten, verbal or non verbal per USC 6802, Also per the Privacy Act of 1974. 

Also, This does validate any debt that I have with this company. 

The company XXXX XXXX XXXX XXXX XXXX XXXX wrote this debt as a charge of and put the balance as XXXX per page three of this same report that you XXXX XXXX XXXX XXXX XXXX XXXX provide as attachment. 

According to the IRS when a company has a charge-off on a debt, it is considered a certificate of indebtedness. 

A certificate of indebtedness is considered income and income can not be reported to the credit report. 

Since the debt is considered a charge off and the balance is XXXX dollars according to the attachment that was sent by XXXX XXXX XXXX XXXX, how do I owe this company the alleged debt. All in all, you do not have proof on how you obtained my information. That is considered IDENTITY FRAUD.

Also, per your attachment you included interest charges on a fictitious debt. According to Nevada Revised Statutes 649.375 attempting to collect interest charges or fees is prohibited.

All in all, you do not have proof on how you obtained my information. That is considered IDENTITY FRAUD.

Included in your attachment, it states that the debt is charge-off and the balance is XXXX. That means You ( XXXX XXXX XXXX XXXX ) obtained my information without my consent ( illegally ), reported it to my credit report, slandered of my name, violated my Consumer Rights and stole my identity. 

According to the FCRA, fines are XXXX per violation. The company has been reporting to my credit report since XX/XX/XXXX. 

Per, NRS11.190 This company is past the statue of limitation reporting on the alleged debt. 

Violation one : Charging interest per month since XX/XX/XXXX Violation two : Identity Fraud With XXXX2 months in a year multiplied by 6 years, that total out to be XXXX XXXX dollars. times 2 worth of violations that XXXX XXXX XXXX XXXX is admitting they have committed. 

This does not include the emotional embarrassment that came from being denied credit because of this account.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hello Dear, In XX/XX/2023 the capital one bank pull up my credit report without my permission. This is fraud! I do not authorize nobody else to give my own information to capital one bank. I would to ask to help to remove inquiry.
Consumer complaint received 2022-07-15
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. (MS)

In accordance with the Fair Credit Reporting Act, these listed accounts have violated my rights : XXXX XXXX XXXX XXXXV Account number XXXX XXXX, XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account numbers XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting Act, these listed accounts have violated my rights : XXXX XXXX XXXX XXXX Account number XXXX XXXX, XXXX Account number XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX Account numbers XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX  Account number 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 an account without my written instructions.

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

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-15
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. (LA)

I have unauthorized inquiries on my credit reports. I do not recall giving these companies nor the credit bureaus permission to share my credit report with these companies. This is a violation of my consumer privacy and protection. this is apparently fraud and the credit bureaus have done absolutely nothing about it. ( 15 USC 1681 ( A ) ( 4 ) ) I have attached my id so do not try any of your tactics to not validate this information and further violate me! Validation will require documentation not merely your words on a paper stating it's verified.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing you this notice as a follow up for my previous notice sent XXXX  days ago from the date of this letter, to disputefraudulent unverifi able information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft. 
The following addresses listed below which appear on my credit file does not relate to any addresses I have lived at.
Consumer complaint received 2022-08-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc ()

I have been using PayPal to receive payments for my online business and also paid some of my staff using same platform. 
all was fine until i get notified that my account has been permanently limned I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back.
Consumer complaint received 2020-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Problem Company : SPECIALIZED LOAN SERVICING Problem : I am paying my monthly loan payment in advance before hte date it is due and instead of crediting my loan payment to my loan as a monthly loan payment the company is crediting my payment as a " principal only '' payment and then when the monthly loan payment due date arrives the company is stating that they never received my monthly loan payment. Then, the company is marking me as not paid and is then charging me a " late fee. ''
Consumer complaint received 2022-07-15
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. (LA)

I have unauthorized inquiries on my credit reports. I do not recall giving these companies nor the credit bureaus permission to share my credit report with these companies. This is a violation of my consumer privacy and protection. this is apparently fraud and the credit bureaus have done absolutely nothing about it. ( 15 USC 1681 ( A ) ( 4 ) ) I have attached my id so do not try any of your tactics to not validate this information and further violate me! Validation will require documentation not merely your words on a paper stating it's verified.
Consumer complaint received 2022-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/XXXX I sent a amount of {$200.00} to a man named XXXX XXXX. This was done through XXXX. I immediately notified my bank about the scammer and they started working on this. I was notified by them today XX/XX/XXXX that they cant do anymore to get the money back and requested I contact and report it here. I have all the messages between me and the other person. The bank has his true name and bank account informs as well. There is a paper trail through XXXX to track the money also.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft and I was involved in the XXXX data breach. I informed the credit reporting agency of the following accounts that are fraudulent, please find my identity theft report, instructions on removing fraudulent items.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I disputed inaccurate information that's on my credit report my XXXX XXXX  XXXX opening date says XX/XX/XXXX on my TransUnion and XX/XX/XXXX how can my information be verified and it's reporting XXXX different information my payment history on TransUnion and XXXX is not accurate with each other and it's not all listed date last active on TransUnion is XX/XX/XXXX and XXXX it's XX/XX/XXXX violation of the fcra needs to be removed immediately My XXXX  XXXX XXXX has inaccurate information date open for TransUnion is XX/XX/XXXX date for XXXX is XX/XX/XXXX Last active for TransUnion is XX/XX/XXXX XXXX is XX/XX/XXXX there's no payment history in TransUnion how can it be verifed from XXXX XXXX showing different information needs to be deleted immediately violation of the fcra
Consumer complaint received 2022-07-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (VA)

On XX/XX/22, I received a phone call at a very bad time by Bridgecrest stating I owe a debt, I asked to send me a bill in the mail the lady stated they can't send me any mail the whole situation increased my stress and I decided to write them a letter. On XX/XX/22, I sent Bridgecrest a letter stating to validate a debt they were stating I owe via phone call I didn't hear anything back until XX/XX/22. On XX/XX/22, I received a letter stating I still owe a debt and that I was in possession of their vehicle, they sent me a copy of a contract with another company, XXXX. On it had no indications that Bridgecrest was associated anywhere, not even in the " Third Party Agreement '' section. Also they failed to send me anything regarding what I asked for in my initial letter to validate the debt. I also in the initial letter stated to give me 30 days to review anything they would send and respond. 

XX/XX/22 reports showed up on my consumer report with the 3 major reporting agencies stating that were were in dispute but it's been resolved. It hasn't been a full 30 days nor have I responded yet to the information they sent me. 

On XX/XX/22, I sent a letter to Bridgecrest stating I'm not refusing to pay I just would like proof it is them in fact that I owe money to. XX/XX/22 I walk outside and the car was missing from the drive way. This caused a severe inconvenience to me because I was then late to a very important place I needed to be this morning! I called Bridgecrest to ask if they had anything to do with this and they stated they have started a repossession process. 

I received no notice, no letters, and this account was still in dispute! I had personal items in the vehicle that was needed for this morning and had no idea where the vehicle was! 

XX/XX/22, I sent an Affidavit to Bridgecrest cc'ing the CEO, CFO and the Attorney General. These matters has drastically been effecting me and my family and causing a number of stress in our lives as we are awaiting a baby and I need transportation to take her to and from hospital appointments.
Consumer complaint received 2023-06-27
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. (IN)

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.
Consumer complaint received 2023-06-27
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. (FL)

I submitted dispute with both XXXX and XXXX invoking section 609 through dispute with multiple debt collection companies requesting verification of debt and proof of wet signature from the original creditor. I never received confirmation of my request and no proof of information was ever provided or an explanation.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance to the Fair Credit Reporting XXXX XXXX XXXXXXXX # XXXX XXXX Balance {$28000.00}XXXX XXXX XXXX XXXX XXXX Balance {$14000.00}, XXXX XXXX XXXX balance {$140.00} has violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told XXXX, Transunion, and XXXX to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 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 2022-07-15
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. (AL)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX ACCT. # XXXXXXXX XXXX XXXX ACCT. # XXXXXXXX XXXX  ACCT. # XXXX XXXX XXXX XXXX  ACCT. # XXXX XXXX XXXX  ACCT. # XXXX XXXX XXXX # XXXXXXXX XXXX  ACCT. # XXXX XXXX ACCT XXXX # XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX # XXXX XXXX & XXXX XXXX ACCT. # XXXX XXXX XXXX ACCT. # 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.