davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-22
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. (DC)

Dispute Statement : Case # XXXX ( XXXX XXXX ) Case # XXXX ( Experian Report ) Since I refinance my Auto loan to XXXX, I NEVER missed payment, with the only exception of my NINE days lateness on XX/XX/XXXX ( which is because my payday moved from XXXX to XXXX ). I always pay on XXXX or latest on last day XXXX of each month. 
In my end the past six-months payment history goes like this : th 1.  XX/XX/XXXX, $ XXXX th 2. XX/XX/XXXX, $ XXXX th 3. XXXX, $ XXXX th 4. XX/XX/XXXX, $ XXXX th 5. XX/XX/XXXX, {$320.00} XXXX th 6. XX/XX/XXXX, $ XXXX XXXX Payment made at XXXX bank cashier. ** Payment made by bank transfer. 
The two payments I made on bank cashiers erroneously goes to the principal payment rather than the monthly payment and incur me additional {$30.00} fee. First, they keep saying you didnt pay your XX/XX/2020 monthly payment which I did, and I proofed them by showing the difference between the begging and ending balance of my loan. They promised me they will reevaluate and will do adjustments including the {$30.00} fee, rather they report it to consumer. The same scenario happened for XX/XX/2020. 
Before that I used to have a debit account with them and they automatically tool money from that account until XXXX or XX/XX/2020. Usually I drop money on that account through ATM before my last day of payment. But on XX/XX/2020, due to Covid-19 I couldnt find a working ATM and I made payment at the cashier for the first time. I try explained this situation to the guy called me for late payment he understands and accept it & he told me he will made adjustment ( i.e. to apply the payment I made to principal to monthly payment ) and waived me {$30.00} NSF. I told him I want to keep payment this way sometimes, he told me it is okay but noted me to tell the cashiers I am making the monthly payment & I did that all the time when I made payment at the bank cashiers. 

After I proof them I didn't miss any payment over the phone the promised to make adjustment but I ask the took fix the their credit bureau report. But they recommend me to to dispute through the credit report agencies I heard the deliquesce report. ( I spoke with XXXX credit department representative XXXX XXXX )
Consumer complaint received 2024-10-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (VA)

Received a debt owed balance from Resurgent Capital Services L.P. also known as LVNV Funding LLC via mail XX/XX/XXXX. The amount listed is incorrect and the account number is incorrect. On XX/XX/XXXX I disputed this alleged debt via phone call with Resurgent Capital Services and informed the representative this is voided due to statute of limitations this alleged debt is beyond the 7-year mark period nor do I owe this debt. The Resurgent Capital Services L.P. also known as LVNV Funding LLC representative stated " it has not been 7 years '' which she is lying. I also disputed this alleged debt on XX/XX/XXXX via through the mail. My name is listed wrong also on this alleged debt. I never had a legal contract with Resurgent Capital Services L.P. also known as LVNV Funding LLC.

Per the statute of limitations, this alleged debt is beyond the 7-year mark period. 

Under Md. Code Ann., Comm. Law 2-725 Car loans : 4-Year statute of limitations The original creditor removed this debt from my credit report. 

This company Resurgent Capital Services XXXX also known as LVNV Funding LLC per court records has been shown countless times using false or misleading misrepresentations to collect credit card debt please look at this case XXXX XXXX LVNV Funding, LLC. In XXXX the United States Court of Appeals ruled that LVNV funding violated the FDCPA act the court case name for this was XXXX XXXX LVNV Funding, LLC. Other court cases include this company submitting false information to the credit reporting agencies.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

I filled a complaint regarding this issue before and it was closed by the CFPB, however I dont understand the statement by institution. I tried to transfer money from my chime card to my XXXX XXXX. XXXX XXXX declined the transaction and told me the funds never entered my account because it was declined. They ran diagnostics on my XXXX wallet and on my phone and went through their financial accounts to double and triple check for me. They sent me my transaction statement showing that no deposits or withdrawals were made on the day in question, XX/XX/year>. I will include this statement. I contacted chime and they basically told me my money was gone after a back and forth of trying to prove I even had an account. After a long time on the phone they were finally able to see my account and said my money was in apples possession. They supplied me with a statement showing that my money was transferred. I will include this statement. I reached out to stride bank, chimes handling bank and they did a small investigation and left it in chimes hands. I will include their response to me. I do not understand how if a transaction was declined the money was not immediately returned to my account as it never shouldve left if it was declined. I would just like my money back, it was not a small amount of money, {$440.00}, and is desperately needed. This feels like a scam and that my money was stolen. I would just like my money back and to sever ties with chime.
Consumer complaint received 2020-10-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (AZ)

I have applied for programs to allow a defer loan payments because we have been financially impacted by the coronavirus pandemic. I have made multiple attempts online and over the phone with Ally Financial Inc. to get a some sort of help through this time. If a customer is past due they are only offering assistants if you bring your account current and then you are automatically due again for the following month. So in reality Ally isn't really offering anything other than bring the account current and still remaining due for the following month. This has also affected my credit score because of the days past due. The lack of compassion by Ally is really concerning.
Consumer complaint received 2020-10-21
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2022-07-18
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (TN)

Good Afternoon We have a problem with an appraiser that you use that will be reported to the state and federal government for low balling and redlining our communities On XXXX XXXX the appraisal for XXXX XXXX, XXXX, Tn XXXX she low balled the house {$25000.00}. 
On the second appraisal XX/XX/XXXX XXXX XXXX, XXXX, Tn which is a larger and more updated home she low balled the house {$35000.00}. 
Do we want investors buying all the houses and renting them to consumers or are we going to help veterans become homeowners? 
XXXX XXXX was built in XXXX and the rehab was very extensive New plumbing, new electrical rewiring, new roof, added central air/heating, new hot water tank, 2 new bathrm updates with cabinets, fixtures, and flooring, new kitchen with cabinets, fixtures, and flooring. 
In XXXX walls were built with plaster and all the walls and ceilings were replaced with sheetrock, new fixtures, and doors. 
The medium home price in this country is {$400000.00} and in our city it is around {$270000.00}, but to appraise a newly renovated XXXX bedroom/ XXXX bath brick home with over XXXX sqft for {$110000.00}, {$35000.00} less that the veteran offered is not fair to ask the veteran to come up with an additional {$35000.00} to buy
Consumer complaint received 2023-06-03
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. (NC)

I received my investigation back and you stated that you completed a fair investigation and that these accounts are 100 % accurate. 

But can you please answer this one question. How did you investigate these accounts? 

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report. 

You were supposed to interview my neighbors and interview my friends. 

Did you interview my neighbors? 
Did you interview my friends? 
Who did you talk to? 
When did you talk to them? 

One more thing can you please tell me how everything is 100 % accurate if these accounts High Balance, the Last verified date, Date Reported, the Date Opened, the Closed Date, the Creditor Type, the Last Payment Date, the Account Type, the Credit Limit, and the Date of Last activity are STILL NOT reporting the same information at all? 

You have violated multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

I demand deletion of the accounts from my credit report. I've listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these accounts immediately or you will be responsible for {$1000.00} per violation. 

Send me updated credit report with accounts permanently deleted.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IN)

I am writing to formally request the removal of incorrect and fraudulent information on my credit report as a result of identity theft. Specifically, I am disputing all previous addresses, phone numbers, and name aliases that do not belong to me. 

All other addresses, phone numbers, and name variations should be removed, as they are the result of fraudulent activity. I have never used any other names or aliases, and the incorrect information is negatively impacting my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you remove these fraudulent entries from my report to ensure that only accurate information is reflected. 

Thank you for your prompt attention to this matter. Please confirm once these corrections have been made.
Consumer complaint received 2024-10-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (IL)

Urgent Assistance Required : Identity Theft and Fraudulent Account Information Dear XXXX Team, I am writing to formally request your assistance regarding a serious issue I am facing with my consumer credit report.

I have filed this complaint with the CFPB in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) to ask for your support in blocking specific information on my consumer credit report that has arisen due to identity theft and fraud. Within four business days of receiving this complaint, I kindly ask that you block the following fraudulent, inaccurate, and false information : Trueaccord acct # XXXX which appears to be related to the fraudulent account with XXXX XXXX XXXX. Theres also XXXX inquiries XXXX XXXX XXXX XXXX being recorded on my FICO credit report. I have attached a detailed list of the hard inquiries in question, along with a copy of my consumer FICO credit report maintained by your agency, which highlights these fraudulent items.I want to emphasize that I do not recognize any of the aforementioned collection, or hard inquiries. They were not opened, made, or initiated by me, but are indeed the result of identity theft and fraud.To substantiate my claims, I have included a copy of the FTC Identity Theft Criminal Complaint issued by the US Federal Trade Commission. This serves as proof that all of the disputed collection, and inquiries are linked to identity theft and fraud. I appreciate your prompt attention to this urgent matter, as these inaccuracies are significantly impacting my financial well-being. Thank you for your understanding and assistance.
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc (PA)

I received a letter from the National Commercial Services ( NCS ) debt. servicing company claiming I owe {$8000.00} for a debt owed to XXXX XXXX and XXXX XXXX. I do have a XXXX recreational vehicle policy, so I called both my regional representative and the XXXX national customer support number, and neither could find any outstanding debt. My account is paid and current. This debt is not mine. I believe NCS has made a fraudulent claim in this case.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ALSO KNOWN AS : XXXX XXXX XXXX EMPLOYER : XXXX XXXX. 
EMPLOYER : XXXX NAME : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-27
Product: Credit card — General-purpose credit card or charge 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: Continental Finance Company, LLC (NJ)

I have been disputing a charge from the Credit Card company XXXX since XX/XX/XXXX with no assistance from them. I have informed them several times verbally which all calls are recorded and I have been told by several for their representatives there are ALOT of notes in may account. As of today I have not received a call back from a supervisor or manager and I have made several request for XXXX. I am disputing a charge from XXXXXXXX XXXX XXXX. I have file XXXX complaints with your agency XXXX on XX/XX/XXXX & on XX/XX/XXXX I have heard nothing back from you. Again I did not authorize the purchase and have made it extremely clear since XXXX first informed me of a suspicious charge back in XXXXXXXX XXXX XXXXXXXX. Nothing has been done, I thought this was cleared up since I have not heard from them now I am getting sued by attorneys XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX ph # XXXX Reference : XXXX and have hurt my credit score and continued to charge interest on a charge I informed them was fraudulant.
Consumer complaint received 2022-04-25
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 Reporting Act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXX # #, XXXX XXXXXXXX XXXX XXXX Enhanced XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX OR 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 2022-07-18
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. (AZ)

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$1400.00}
Consumer complaint received 2024-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NJ)

My credit limit was unilaterally decreased by {$6400.00} without previous notice thus resulting in transactions being denied. When I called, I was advised that a letter was sent out on XX/XX/XXXX however the decrease was unbeknownst to me until XX/XX/XXXX. I did not receive this letter they claim was mailed. They gave no other information except that I have to call the number in the letter for the " reasons '' of the decrease. I am a long time customer and for this to be unilaterally done to me is unjust
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (TX)

For my Citibank issue XXXX XXXX XXXX, they said because I used certain features of the card, they would not be sending a renewal card. However my online and mobile accounts said there was a card on the way but it was never sent. I have never been late on paying this account. They kept the account open and shows that there is available credit. I have spoke with their partner XXXX since this is a cobranded card and Cost is not happy with the way Citibank has unethically treated their customers.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TN)

1.I have never had an account with this company WELLS FARGO BANK XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WELLS FARGO BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.