davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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. (TX)

This complaint is regarding Account # XXXX. I notified XXXX XXXX and All 3 Credit Bureaus of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and the Fair Credit Reporting Act, along with the corresponding local state laws. I indicated to them that I was is disputing this account and I am requesting " validation '' ; that the Vehicle Purchased from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX NY was not sold to me as a lemon. I was in pursuit of filing a claim with the State of NY Lemon Law when the vehicle was towed. I have never fully utilized the vehicle while in my possession because it was in XXXX XXXX possession the majority of the time I was paying for it the vehicle was in the Mechanic shop. The vehicle had various electrical and mechanical issues from the day I bought it. It was purchased on XX/XX/2018 and two days later began the issues of fixing the issues. I have filed a complaint with the NY Dept of Motor Vehicles about the sale of vehicle Vin # XXXX. I asked that XXXX remove this account from all 3 credit Bureaus.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NJ)

On XX/XX/XXXX my card was compromised and used to withdraw funds from my Cash App account & was also used to make a purchase at a store all within 15 minutes or so. I reported the issue Immediately and had an unauthorized dispute claim initiated. Cash App found 1 of the charges to be unauthorized, but denied the others. Very unusual denying my claim even though these transactions occurred within " minutes of each other. 


Description : XXXX XXXX Date : XX/XX/2023 Amount : $ XXXX Description : XXXX XXXX XXXX XXXX : XX/XX/2023 Amount : $ XXXX Description : XXXX XXXX  Date XX/XX/ XXXX : $ XXXX Description : XXXX XXXX Date : XX/XX/ Amount XXXX XXXX XXXX Description : XXXX XXXX  Date : XX/XX/2023 Amount : $ XXXX XXXX CASH APP XXXX XXXX  ) Description XXXX XXXX XXXX  Date :XX/XX/2023 Amount : $ XXXX Email : XXXX XXXX
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (TX)

The account XXXX XXXX account number ending in XXXX was reinstatedon my Equifax credit profile on XX/XX/XXXX and has caused my credit score to drop XXXX points ( see picture below ). I disputed this account on XX/XX/XXXX and XXXX XXXX has not removed the account. The Equifax dispute confirmation number for XX/XX/XXXX is XXXX. 

I submitted a new dispute XX/XX/XXXX and that dispute number is XXXX XXXX XXXX account number ending in XXXX was first disputed XX/XX/XXXX and XXXX removed/deleted the account due tothe informationbeing inaccurate, incomplete and could not be verified. The updated XX/XX/XXXX Equifax credit report showed that the XXXX account number ending in XXXX was removed/deleted. 

Also I never receiveda mailed notice of reinsertion from Equifax within 5 business days of their reinsertion, as the day of the reinsertion was XX/XX/XXXX. 

The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified.If that situation applies, then the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information. Bottom line is that if the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ).

Please have Equifax abide by the CRA laws above and remove/delete the XXXX XXXX account number ending in XXXX.
Consumer complaint received 2022-07-11
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. (FL)

XX/XX/XXXX XXXX XXXX of XXXX- I ask them to to try and Qualify me for a car under my Business EIN ( I did not give them my personal SSN ) and It still appeared on my Personal Credit File. 

XX/XX/XXXX This is the same situation as with XXXX XXXX of XXXX. 

XX/XX/XXXX XXXX XXXX - This is a legitimate Inquiry. I applied for a credit card. 

XX/XX/XXXX XXXX XXXX - This is a legitimate Inquiry. 

The below are all Inquiries that I did not authorize : Equifax : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AZ)

Hello, I called loan depot to start auto payments. They state you can not start them for 30-90 days. Ive paid several mortgages with several companies from the beginning with auto pay. I believe this is a money grab to make it difficult for the consumer to remember to pay the first three months, resulting in easy late fee penalties. There is no reason you should not be able to auto pay up front. I asked to set it up and they stated company policy, keep trying between 30-90 days after your first payment. I would bet if you took a look they have collected massive late fees in the first 30-90 days. I believe this is on purpose and predatory. Thank you. 

XXXX
Consumer complaint received 2022-01-14
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: LEXISNEXIS (IL)

On XX/XX/2021, I sent a certified letter to LexisNexis Consumer Reporting agency. The letter included my personal dispute with the bankruptcy information that they are reporting. Included with my personal dispute, was a letter from the US Bankruptcy Court of Northern Illinois. The letter states the US Bankruptcy Court of Northern Illinois, does not report any information to any consumer reporting agencies or any consumer monitoring companies. I submitted these findings to LexisNexis, and they sent me a letter stating that they verified the information that they are reporting as accurate. This is a violation of my consumer rights and a violation of the Fair Credit Reporting Act
Consumer complaint received 2023-01-30
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. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

My business is a XXXX XXXX partnership and on XXXX one parter withdrew from our partnership. I brought the withdrawal to US Bank XXXX and went through the entire process to have her removed from all banking accounts associated with my business. 
XXXX, the withdrawn partner says she has been receiving notifications about purchases still. I called US Bank to have them confirm that they take her number and email address off our account as this is an absolute violation of our privacy. 
XX/XX/XXXX, she informs me that she is still getting notifications about spending on the account. I call to have her number and email removed yet again with the promise of her not getting notifications anymore. 
XX/XX/XXXX, the withdrawn partner is still receiving notifications for purchases on our account and I called yet again with the threat of pulling my business account from their bank if it is not resolved after this. They assure me it is taken care of but to give it XXXX  days because of the XXXX XXXX holiday. 
Well, as of XX/XX/XXXX she received another notification on this account despite multiple attempts to clear her from the account and making it absolutely impossible for me to run my business with my old business partner seeing every purchase I make. 
This is absolutely unacceptable and I have reached out to them to make it right multiple times. 
This should not be happening to business accounts ( or any accounts for that matter ) and will result in me pulling my business from their bank.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CO)

Opened a credit account with Synchrony Bank through Discount tire on XX/XX/2022 with a a balance of {$1000.00}. Made 1st 2 payments of $ XXXX, well above minimum payments. 2nd payment was a few days late of due date. 3rd & final payment in XXXX the due date was on a Sunday, I paid on a Monday. Was notified of another late charge. I called and had the late charge removed and was informed by the company representative that my balance is XXXX. XX/XX/XXXX, I am notified that my account has been reported as delinquent regarding {$11.00} fee.
Consumer complaint received 2023-06-28
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. (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under XXXX XXXX XXXX. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a XXXX validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

I've told previous management multiple times before the lease was ending that I was not renewing my lease because I was leaving to XXXX. She understood and We came to that agreement. Then comes XX/XX/XXXX hen my lease ended, I moved out and she contacts me and says I needed to give her 60 days ' notice that I would be would now have to be responsible for rent until XX/XX/XXXX. I told her I was not renewing my lease multiple times and she knew that and yet and still charged me. This is now on my credit for a charge of {$4000.00}
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MI)

I have been a Care Credit Card Customer for several years. I have excellent credit. I always made my monthly payments on time. Was going to use my credit card. Found out it expired in XXXX of 2021. They didn't let me know or sent me a new card. I tried several times both online and thru the phone to renew my card. They denied me every time. Didn't give me a reason why. This is the first time ever I have been turned down for applying for a credit card. This is poor customer service. And discrimination. I applied for another credit card with a different company. Got approved right away. They lost a customer and will lose more. I am spreading the word.
Consumer complaint received 2020-10-25
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: DISCOVER BANK (FL)

Since being a Victim of XXXX  XXXX security breach my credit report had been a fraud nightmare. I have sent countless FTC reports explaining my situation with XXXX  and they refuse to remove the fraudulent trade lines off my credit report. 

How many other people that were victims of identification theft are they doing that to. This has been going on since XXXX and its effecting my lively hood.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I deposited a loan check in my account via ATM on XXXX XX/XX/XXXX and the next day they restricted my account and then after several attempts to contact them, chase bank told me they were closing my account and ending our relationship. Now all my money is unavailable until they close the account
Consumer complaint received 2021-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (TX)

THE COMPANY, MONTEREY COLLECTIONS, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) THE TERM " XXXX '' MEANS THE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT TO BE CREDIT BUREAUS AND THEIR IS ONLY ONE BUREAU AND THAT IS ONLY ONE BUREAU AND THAT IS THE XXXX XXXX XXXX XXXX, XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT BUREAUS AND THEIR IS ONLY ON ONE BUREAU AND THAT IS THE CONSUMER FINANCIAL PROTECTION BUREAU. ON XX/XX/1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE. THIS RESOLUTION DECLARED THAT " WHEREAS THE DEALING IN GOLD AFFECT THE PUBLIC INTEREST AND ARE THEREFORE SUBJECT TO PROVISIONS OF OBLIGATIONS WHICH PURPORT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN CONGRESS IN THE PAYMENT OF DEBTS. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY OR IN AN AMOUNT IN MONEY POLICY, AND. EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS. 15 USC 1681 ( 3 ) ( E ) ( XXXX ) THE TERM : INVESTIGATIVE CONSUMER REPORT MEANS A CONSUMER REPORT OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS OR MOD OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH ITEMS OF INFORMATION. MONTEREY COLLECTIONS HAS ALSO INCLUDED IT'S SYMBOL WHILE ATTEMPTING TO COLLECT A DEBT WHICH IS A VIOLATION OF 15 U.S. CODE SECTION 1692b ( 5 ). I DID NOT GIVE PRIOR CONSENT TO COMMUNICATE TO ME. THERE WAS NO PRIOR CONSENT FROM A COURT GIVING PERMISSION TO CONTACT ME, THUS THIS COMMUNICATION IS A VIOLATION OF 15 U.S. CODE 1692c ( a ) WITHOUT A COURT ORDER BROUGHT FORTH. MONTEREY COLLECTION REPORTED FALSE AND INACCURATE CREDIT INFORMATION VIOLATING 15 U.S. CODE SECTION 1692e ( 8 ). THERE IS NO PRIOR CONTRACT WHICH AUTHORIZES XXXX TO COLLECT A DEBT FROM ME AND THERE IS NO PART OF A CONTRACT THAT EXPRESSLY AUTHORIZED THE COLLECTION OF SUCH AN AMOUNT. THIS IS A VIOLATION OF 15 U.S. CODE SECTION 1692f ( 1 ). I HAVE REQUESTED THIS COMPANY TO PROVIDE DOCUMENTARY EVIDENCE THAT A LAWFUL AND LEGAL VALID CONTRACT EXIST BETWEEN XXXX AND I.
Consumer complaint received 2020-11-18
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. (MA)

TransUnion dismissed my evidence because of their criteria. I disagree that an email from XXXX XXXX stating that " my autopay was in place at the time the payment '' was due is insufficient. My evidence shows that XXXX is at fault. XXXX XXXX can easily say that the " disputed information was correct '' and not take responsibility, so TransUnion should factor in the correspondence I provided. If it does not meet TransUnion 's criteria, should adjust there criteria as it is valid. 

I have contacted XXXX XXXX several times about the problem, but they have not responded. I have initiated a complaint with the XXXX.
Consumer complaint received 2022-07-11
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. (TN)

Remove this fraudulent account from my Consumer Profile XXXX XXXX Date assigned XX/XX/2016 {$470.00} I reported to this company and to the bureaus that this is a fraudulent account in my name and must be removed asap! i have written to this company and asked them to send me the original contract with my original signature and original lease the company could not provide this info and neither could the bureaus which lets me know further that this is an act of fraud and a crime. I am the only natural person that can validate or give consent of an obligation that you the debtor says belongs to me. According to federal law 15 USC 1692 ( e ) disputes the validity of this so called obligation and i have not received any original contract connecting me to this fraudulent account. This has hindered me and my family in obtaining credit and is a violation and crime of my consumer rights and has caused damages to my XXXX XXXX and welfare to maintain my home, because of your companies failure to validate this so called debt, i am entitled to compensation according to federal law 15 USC 1692 ( k ) any person is liable to such person in an amount equal to the sum of XXXX according to F.D.C.P.A 15USC 1692 ( k ) and can and will be filed in the U.S district court.. 
REMOVE account asap and compensate acct # XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Thank you XXXX XXXX XXXX
Consumer complaint received 2023-06-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

NOTICE TO CARECREDIT/SYNCHRONY BANK. THIS IS A FINAL WARNING TO STOP YOUR ILLEGAL, FRADULENT, UNLAWFUL AND ABUSIVE PRACTICES. FALSELY MISLEADING AND COERCE ME INTO PAYING AN ALLEGED DEBT I DO NOT OWE. ANYONE WILLFULLY AND KNOWINGLY VIOLATES MY CONSUMER RIGHTS SHALL BE LIABLE FOR HARM AND INJURIES CAUSED BY SUCH ACTION.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (MN)

Hi XXXX, We noticed some suspicious login activity relating to your Chime account. A hold has been placed on your account ( s ) until we can verify this activity. 

Please see below for further details and instructions on how to submit an appeal to lift this hold. 

What Happened During routine monitoring of accounts on Chimes platform, we noticed suspicious login activity on your Chime account. 

What We Did A hold has been placed on your account in order to safeguard your funds. 

How This Affects You This hold will remain in place until your identity can be verified. Unfortunately, you will be unable to use your Chime XXXX XXXX XXXX or sign in to your account on the Chime website or mobile app during this time. 

What Is Needed From You To submit an appeal to lift the hold on your account, please provide the following items for verification : A copy of both the front and the back of your primary government-issued photo ID ( such as a Drivers License or State ID card ). 
A photo of yourself ( selfie ) holding your photo ID and a piece of paper with your name and todays date written on it. 
Proof of the social security number on file. 
Confirm the email address that should be on file. 
XXXX XXXX for Appeal Review of your appeal will typically be completed within XXXX business day of receiving all verification items. 

Please note : Additional items may be requested after initial review if your documents do not sufficiently verify your identity. The timeline is typically extended by XXXX to XXXX business days for each additional submission. 

How to Contact Us Please reply directly to this message and attach the requested items. All documents must be sent in XXXX, XXXX, or PDF format ( we do not accept XXXX or other document formats ). 

If you need clarification on the requested items above, or assistance in submitting your documents in the correct format, please let us know and we will be happy to assist you. 

Sincerely, The Chime Team What do I do when I haven't gotten a new ID yet? Would my work badge work that has a picture on it? Please let me knpw. 

don't have a copy of my social security card it is being mailed to me. If you have any questions please let me know. 


It just keeps going on like this