davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

NEW TB Auto Finance loan for a XXXX purchased. TD Customer service calls me and hangs up every day, their dialing system does not work. I had set up direct deposit payments, but their system did not process XXXX, which was supposed to be first month drawn direct. All payments are made and current. No payments were made late, yet TD Auto is reporting the XXXX payment as 30 days late. Their customer service person recognized the error and noted in system but refused to change the credit reporting. Gave me a PO Box to mail a request to update credit report. No response to multiple mailings. This one incorrect reporting dropped my credit score 64 points in 30 days.
Consumer complaint received 2021-08-13
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: Experian Information Solutions Inc. (AZ)

this collection and all the inquires are fraudulent i have contacted all parties in question and they all tell me its experian that has to correct it i have sent experian numerous disputes and they just use computer generated responses i need this corrected and to show 100 % accurate information experian did remove this collection once then they put it back on after 60 days after deleting it XXXX XXXX Original creditor : XXXX XXXX XXXX Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dealers, XXXX XXXX date : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX AXXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IN)

On XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX I received an email from Chime saying : " Critical account notification from Chime. You are receiving this notification because our fraud department detected unusual money activity on your Chime account. Log in to your Chime account using the button below to Accept or Cancel this transaction. '' I clicked on the button and entered my username and password when prompted. I then received an email from Chime saying that there was a new login to my Chime Account at XXXX XXXX XXXX. 

At XXXX XXXX XXXX I received an email from Chime saying " You just sent {$1100.00} to XXXX. '' The notification said this person was located in XXXX, Arizona. I am in an entirely different state. I did not authorize this transaction. 

I immediately called Chime to report this fraudulent transaction. While I was on the phone with Chime I received 2 emails from Chime at XXXXXXXX XXXX XXXX saying that my money had been claimed by XXXX. 

Chime told me on the phone that they would open an investigation and that I needed to change my password on my account. A friend was helping me with this. I gave the Chime customer support people permission to speak with her over the phone. We tried to change the password but the person who did the fraudulent activity had already changed the password. We called Chime back for help changing the password. At XXXX XXXX  XXXX we received an email from Chime saying a dispute had been filed. While we were on the phone with Chime about changing the password, we received an email at XXXXXXXX XXXX saying that they had already closed the dispute and had not found an error. 

We immediately asked Chime why they had closed the investigation in less than 30 minutes. We were sent from department to department and they told us to send them all the documentation we had regarding the dispute which we did at XXXXXXXX XXXX XXXX. They then sent an email at XXXX XXXX XXXXXXXX saying that a rebuttal had been opened. However, when I called on XX/XX/XXXX to find out what progress had been made, I found that no rebuttal or new investigation had been made and the dispute was still closed. They then told me they would reopen the dispute. Today, XX/XX/XXXX, I received another email saying the dispute had once again been closed and that Chime found no error.
Consumer complaint received 2022-12-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

To Whom It May Concern, I am writing to dispute the following information on my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. The same Inquiry does not show on my XXXX Credit Report. As such, it is a very serious error in reporting. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. 
Your immediate attention to this matter is appreciated. 
Sincerely,
Consumer complaint received 2021-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (GA)

on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of ..... 
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX XXXX ( C.D.cal. XX/XX/1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. {$710.00} {$1300.00} THEY NEVER RESPONDED they also stated that the medical facility stated I authorized other medical providers to access my account. I informed them THAT THEY ARE NOT A MEDICAL FACILITY, THEY ARE A COLLECTIONS AGENCY. I ASKED THEM TO PROVIDE ME WITH THAT INFORMATION OF A RELEASE TO THEM AND THEY SAID THEY WOULDNT
Consumer complaint received 2022-02-03
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)

XXXX XXXX. XXXX XXXX Account Number : XXXX TRANSUNION XXXX. XXXX XXXX Account Number : XXXX I was checking on my credit report and found this accounts with incorrect information for having me a late payment. I was never late in paying my accounts. As shown above, it appears that I have late payments recorded in Transunion and XXXX with account name XXXX XXXX XXXX account numbers XXXX. Hoping someone will lend me a hand in updating and correcting the comments on my account ASAP! I don't want this will affect my reputation and will cause of serious harm not only my ability to establish credit and good interest rates but also to my character as a professional and as an individual. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

I know for certain that this is a violation of the law as mentioned in the following : 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

And under 15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) 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} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2021-08-13
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. (GA)

To whom it may concern : I have been in constant communication with the credit reporting agency Experian, in regards to a fraudulent account that was suppose to be removed, after me promptly submitting all supporting documentation at or around XXXX or XXXX of XXXX. The fraudulent account that is currently in dispute is XXXX XXXX. It is negatively impacting my credit worthiness and defaming my character. On XX/XX/XXXX, I spoke with fraud specialist XXXX within Experian 's Special Services, in regards to this particular matter. XXXX exclaims that she is unable to block the fraudulent account in question, simply due to it being blocked once before and it being removed, to be added back onto my credit report. Furthermore, XXXX explained that the block was removed and the item was reinserted back into my credit report in XXXX of XXXX. Per the FCRA, I am suppose to be notified no more than 5 business days after the item has been reinvestigated and added back onto my credit report ( FRCA 611 ). I explained to XXXX that I have not received any correspondence via email or USPS mail, advising me of such changes taking place. Unfortunately, I do not have any correspondences, stating that XXXX XXXX has been deleted or reinserted back into my credit report. XXXX, too, reinvestigated such findings and was able to determine while on the phone with me today, that she too does not see, where I was notified via email or by mail that the fraudulent account with XXXX XXXX has been removed or added back to my credit report in XX/XX/XXXX. 


The other credit reporting agencies XXXX  and XXXX, have effectively communicated with me their findings and determinations of the same account in question. They, too, have promptly resolve the concern and XXXX XXXX is no longer reporting for XXXX and XXXX 

Due to Experian 's negligence and improper adherence of the Fair Credit Reporting Act ( FCRA ) of not properly notifying me of XXXX XXXX 's removal or reinvestigation to re-adding the account back into my credit file, I am asking for the Consumer Financial Protection Bureaus to enforce the law regulated by the Federal Trade Commission and to permanently block/remove this account from my Experian credit report immediately.
Consumer complaint received 2023-03-10
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 Section 2 it also states that a consumer can not furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-11-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (CA)

This car was put in my name without my knowledge. I eventually took possession and sold car but the debt has remained. 

This creditor has violated my rights in contravention of the Fair Credit Reporting Act. Specifically, the creditor has infringed upon my right to privacy as outlined in 15 USC Section 1681b, Section 602s. Additionally, under 15 USC Section 1681, Section 604a, subsection 2a, the creditor is prohibited from providing information about my account without my written consent. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan.
Consumer complaint received 2021-08-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (GA)

XX/XX/2021 amount {$710.00}. Submitted International transfer to XXXX to be available immediately in the recipient 's account. Remitly company sent me an email indicating money has been successful deposit into account. Which is not true. The local bank of recipients has confirmed that remotely hasn't sent any funds on my behalf to be deposited. I have all evidence and ask them for refund but they are not willing to refund me.
Consumer complaint received 2021-08-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I decided to dispute numerous Items with the credit bureaus since I found multiple errors on my credit reports. The dispute was sent by certified mail to XXXX ( XXXX ), Experian ( XXXX ), and XXXX ( XXXX ). But by today XX/XX/XXXX The companies have still not responded, yet still reporting errors on my credit report.
Consumer complaint received 2022-10-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (OR)

Fay Servicing was given my loan from XXXX XXXX, who received from XXXX, who received from XXXX via as an original XXXX loan in XXXX. Issues started with XXXX demanding an escrow account of additional amount but did not apply extra payment to escrow, instead to principal/interest with large fees for shortage even though principal payments made as well each month on time. After mulitipal calls XXXX said to combine payments and they refused next payment and gave loan to XXXX XXXX. 

XXXX XXXX refused to correct XXXX overcharges of interest, insurance, and penalties accepting 3 payments with new loan at higher amount I refused to sign. XXXX XXXX then gave loan to Fay Servicing. 

Sending letters of issues to Fay Servicing as well as over 30 documented calls from XX/XX/XXXX to XX/XX/XXXX with no resolutions with most calls never returned. 

I was notified XX/XX/XXXX of XX/XX/XXXX sale date. I had a signed sale agreement and called XXXX with no return calls. On XX/XX/XXXX my buyer was able to get an answer and patched me into call to request time to close. Contact refused and would not allow us to talk to Manager, only leave manager message which was never returned. 

Fay Servicing has also not responded to multipal requests of owner of loan saying it was owned by XXXX XXXX and then XXXX who both have stated no outstanding loans. Then they said the loan was sold by XXXX to XXXX XXXX  last year who also had no record. I have sent them a copy of letter from XXXX stating loan was paid off in XXXX which concures with my employment contract from XXXX.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group (WA)

I had an account placed for collections with a company called CKS Prime Investments ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) earlier this year. I contacted them directly to resolve/pay the account and they informed me the account had been sold to a company called XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX ) and thati must take it up with and pay through them. I contacted XXXX and we agreed to settle the account for {$680.00} ( original amount was {$900.00} ) and it would be reflected as settled or paid in full on my credit reports. We set up a payment arrangements which i ended up taking care of well before they were actually due. The payment i made ( see attached payment history and settlement letter from XXXX ) are as follows : {$100.00} XX/XX/XXXX, {$100.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX and {$180.00} on XX/XX/XXXX ( totaling the agreed upon amount of {$680.00} ). As of today, XX/XX/XXXX CKS is reporting me as still owing an outstanding derogatory amount of {$220.00} and and an open collection account remains on my credit reports. This is a willful and negligent violation of the agreed upon contract i made and fulfilled with XXXX XXXX XXXX and this account needs to be either updated to reflect settled/paid in ful land a balance of {$0.00} or removed from my credit reports immediately.
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maury Cobb, Attorney at Law, LLC (FL)

Dated XX/XX/2022 I received a letter from Maury Cobb Attorney at Law LLC about an inaccurate debt in my name. It appears to be identity theft from XXXX and XXXX XXXX XXXX ; I did not give consent for my information to be sold to multiple third party companies. Maury Cobb Attorney has called me multiple times falsely stating that I must pay this inaccurate debt. Pursuant to 15 US Code 1692c.
Consumer complaint received 2021-06-03
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/1979 I AM REQUESTING A PROOF OF CLAIM DUE TO FRAUDULENT ACTIVITIES ON MY CREDIT FILE. I REQUEST THE FOLLOWING ACCOUNT SEND ME LEGAL DOCUMETATIONS : XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX. 
This is this complaint is submitted Under OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.