davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

Received an alert for a drop in credit score of XXXX points, in addition to a new " collection '' from XXXX XXXX XXXXMitchell D. Bluhm & Associates in the amount of {$460.00}, from Emergency Physicians of Central Florida XXXX I have NEVER done business with this company, never received ANY documentation from either company. Pursuant to 15 U.S. Code 1681c-2, this is identity theft and MUST be removed and blocked from my consumer report within 4 days. I have filed an FTC report, as required by the CRA 's. 
Correction removed, indefinitely and not to be resold or transferred or added back to my consumer reports.to ALL credit reporting agencies that company is reporting to Letter on letterhead that states the items have been Relief, monetary compensation for damages this is the ONLY collections/negative account that I have reporting. I have been denied credit due to this ERRONEOUS and Fraudulently reported information. 

Filed complaint with XXXX  : XXXX
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (OH)

On XX/XX/2021 I received email notification about a new ChimeXXXX account opened in my name that I did not apply for. I later received a ChimeXXXX debit XXXX card in the mail at my address that I did not request. The account and associated card were fraudulently opened using my identification. 

I contacted Chime by phone and by email. After a days-long series of communications with Chime support and after supplying information they requested, Chime said they would close the account. 

I also contacted them by mail asking for the card to be cancelled and related accounts closed. I specifically asked to be notified in writing, preferably by paper mail, once the above actions had been completed. I never received any written confirmation by mail from Chime. 

I further requested whatever additional information they could provide on the identity or location of the person ( s ) responsible for the fraud so that I could include this in the report I filed with my local PD. I never received any additional information. 

I reported this fraud incident on the FTC 's XXXX site. To the best of my knowledge, no action was taken by the FTC based on my report. 

Because the card I received was issued by XXXX XXXX XXXX, I also reported the fraud incident to the FDIC. Banks are required by law under the Bank Secrecy Act and USA Patriot Act to have a customer identification policy which ensures that they verify the identity of prospective customers before opening accounts. That clearly had not been done in my case. XXXX did reply to my FDIC complaint. However, it was clear from XXXX response that they are entirely reliant on Chime for account management and customer identity verification. So I am refiling my complaint with the CFPB in hopes that they are the right agency to provide oversight. To the best of my knowledge, no action was taken by the FDIC against either XXXX XXXX XXXX or Chime Financial Inc. for apparent violations of the BSA and USAPA.
Consumer complaint received 2021-10-01
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: SYNCHRONY FINANCIAL (CA)

I had called the credit bureau, XXXX, about there being a hard inquiry that I did not authorize nor have heard about until it showed up in my account. They said I can call the company that I am disputing about to ask if they can send some documentation stating it was a mistake or an error and for me to take that letter and send it through mail to XXXX to have it removed. However, I had called that company and did as such, yet, the company could not find any records of my information. However, the hard inquiry was there since XX/XX/2021 and it is currently XX/XX/2021. The company had told me to recall XXXX and explain what happened and so I did again and they said to write a request through the FTC department or file a police report and send a copy to XXXX 'XXXX  po box with my information so they can remove it after. I am here now and am stressed with going back and forth between the companies and phone calls and would just like it to be handled correctly.
Consumer complaint received 2021-10-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Mercedes Benz Financial Services (MD)

Back in XXXX of XXXX, I purchased a XXXX XXXX XXXX XXXX. The vehicle was financed through Mercedes Financial. Fast forward to XX/XX/XXXX, I was on autopay with my debit card. As a unconscious mistake, I didn't realize the debit card linked to my account was expired and not updated within the system. It was only after I noticed the payment had not been deducted from my account that I reached out to Mercedes. It was at that point that I was told there was no way for me to pay the missed payments. I was told they either wanted the loan balance in full. I tried to speak with them and negotiate paying the back payments and bringing the loan current. They told me there was absolutely no option to do so. They told me they wanted the car, or for me to pay the loan in full. 

Fast forward to present day, I have lost my job. I unexpectedly lost my husband, and have been trying to get my affairs back in order. I recently reached out to Mercedes and now I have been told a different story as to how I can reinstate the payments, pay the total payoff or turn the vehicle into a Mercedes dealership. However, they did not state what will happen if I turn the vehicle into Mercedes regarding the loan balance. 

I requested a statement of my payment history. At the time of my phone call I was told the payoff was {$30000.00}. However, upon receiving the payoff statement it was reflected of {$26000.00}.
Consumer complaint received 2022-06-21
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. (MA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account #, 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
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I have a collection account on my credit report from TSI/XXXX that is not my debt. I contacted the local police department, made a report on XXXX, and I am providing copies of my bank statements of the address I was living at the time. I do not have a copy of a lease agreement, insurance, etc from 2019.
Consumer complaint received 2021-12-04
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 — Their investigation did not fix an error on your report
Company: International Computer Systems, Inc. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on FIRST COLLECTION SERVICE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-12-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I had recieve a notification from my bam saying that my account is locked. For absolutely no reason I went & try to log in on my online bank account but it didnt let me log in it says the system is not working please try again i have been calling my bank representatives was not giving me any good reason why my account was locked I have been calling for almost XXXX times a day I dont get no response and they hang up because they said they cant verify me, like I really dont understand how they cant certify me. I had provided them all the info they had asked me and I had also give them my card but they said I have to wait XX/XX/48 hours they always tell me this whenever I call they have my money literally Im going through it Ive been crying for days after days I might get kicked out my apartment next week because I didnt pay for XXXX apartment for this month on XX/XX/XXXX and I have the money already but is in my bank account and my bank just used they power on me and closed my account for absolutely no reason I have been starving here for the XXXX asking my XXXX XXXX XXXX sister to borrow me money and all she borrow me is XXXX dollars Im a grow men going through all this like they have me really frustrated I swear I need my funds back from my bank they using me im FRUSTRATED!!!!!!!
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One is refusing to activate my credit card due to a fraud alert placed on my card after it's approval. This is the second card these restrictions were placed on after it's approval. I have XXXX other accounts with this company which includes an authorized user account. I've spoken with several reps which all have given a different reason why my account is flagged for fraud. Whenever I asked for an explanation of fraud I was told that it's their process. In XXXX restrictions was placed on my card after it was shipped. Capital One requested a copy of my ID stating that it's the application process. The first week of XXXX I received a pre-qualified online application which was approved. On XX/XX/XXXX, I received a letter requesting that I contact Capital One for additional info to complete the processing of my application. A day or so after the card was shipped. I was denied activation once I received the card due to a fraud alert placed on my card for no apparent reason. I was asked to submit a copy of my ID, proof of residency and my social security card. These items were submitted but deemed unacceptable. I didn't feel comfortable to submit my bank statement in it's entirety to verify my address. Today I uploaded my ss card and the first page of my online bank statement. It was rejected by a XXXX stating that it was fake and that my account number need to be on the front page and all pages should be submitted. My bank account number has nothing to do with verifying my address. The previous rep stated that the bank will be contacted to verify my identity, this is unheard of. This process sounds fraudulent. Capital One shouldn't be allowed to contact my bank with my personal information to access my account for any reason, that's fraud.
Consumer complaint received 2021-12-04
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: Experian Information Solutions Inc. (AZ)

Beginning the first of XXXX, I received a XXXX bill from XXXX XXXX XXXX for services received in XXXX saying it was past due. I tried & tried to work with them as well as the past employer that should have paid it and got no results. I finally decided to go to the XXXX Department of Labor about the issue. By the end of XX/XX/XXXX, According to The DOL, the Company paid their part of the XXXX  claim that they owed and the bill was now paid in full. I called XXXX XXXX XXXX and they stated that it had indeed been settled by the insurance company as it was supposed to be. I have contacted and filed disputes with Experian to get the $ XXXX removed from my credit as it had been paid and the debt collection was not due to my lack of payment, but the insurance company used by the previous employer. It has now been XXXX  months since I filed a dispute and have not received anything back from Experian regarding the dispute. It is still on my credit report and is definitely affecting my credit. It looks like it was updated last month, but it is still on my credit. This needs resolved!
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have repeatedly requested for the past 5 months through XXXX XXXX, to have the inaccurate information removed from all the XXXX credit agencies. There is a student loan account that was fraudulently reported to the XXXX credit bureaus and I have never received any response from any of the XXXX agencies. A month ago, I paid that fraudulent account off around {$1700.00}, because I was being harassed by creditors and also wanted to improve my credit score. I want my money back. The weirdest thing has been happening : rather than my credit score going up, it has gone down, despite my positive history and me making good money. One credit card even decreased my credit limit by more than half despite making payments on time and being approved for no interest for 2 years. I also have XXXX unauthorized hard inquiries. Today, before I am writing this complaint, I have been trying to dispute those inaccuracies and I am not even allowed to do so. My credit score is all over and it just doesn't make sense. 
This fraudulent recorded information has caused tremendous hardship for my family as my children were unable to get federal financial aid because of my school " default ''. I am also unable to refinance my car loans. 
I have worked very hard trying to improve my credit score after I got out of school and really appreciate your help regarding this matter.
Consumer complaint received 2022-06-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX # XXXX, XX/XX/22 To whom it may concern, I closed a credit card down XXXX '' through my XXXX  as I was not using and it was in excellent standing and was told by XXXX  rep. when I asked would my credit score be effected and was told NO. A few days later XX/XX/XXXX a hit of XXXX XXXX on my good credit score. Tried calling Experian and after a few hours of waiting was told to call my Bank and there was nothing she could do.. Not able to even confirm that is the reason for the decreased score which is stressful and wasteful. I then called my XXXX  and was put through XXXX XXXX in another language that I did not understand, Please advice me as to steps I can talk and who I need to speak with, Sincerely XXXX
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXXXXXX XXXX XXXX Balance {$85.00} XXXX XXXX XXXX Balance {$0.00} Inquiries : XXXX XXXX  Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2021-12-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TICE ASSOCIATES INC (NY)

On XX/XX/2021, I mailed via USPS a certified Cease and Desist letter which was received by their office on XX/XX/2021, to Tice Associates Inc. located on XXXX XXXX XXXX XXXX, NY XXXX. In the letter, I REQUESTED they ( Tice Associates Inc ) provide a DETAILED AND COMPLETE AUDIT TRAIL of their alleged debit, I REQUESTED they zero out the balance and remove ANY AND ALL INFORMATION pertaining to this ALLEGED DEBIT from all consumer reporting agencies. 

They DID NOT Reply to the Cease and Desist letter, which is a violation under 15 U.S. Code 1692g and USC 1692c ( c ) nor did they remove the information from CRAs. INSTEAD, THEY HAVE RE-AGED THIS ALLEGED DEBIT ON MY CREDIT REPORT on XX/XX/2021, almost 2 weeks after receiving my Cease and Desist letter.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair credit report act XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-12-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA, I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Reference Number : XXXX 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 3 ) Certain public record information Except as otherwise provided insection 1681k of this title, aconsumer reporting agencyshall not furnish aninvestigative consumer reportthat includes information that is a matter of publicrecordand that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). Please Follow the Law Of The State of Mississippi