davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Credit, Inc. (MD)

Good Morning : Sentry Credit , Inc . 
XXXX XXXX XXXX XXXX, WA XXXX I contacted Sentry Credit , Inc on XX/XX/2023 to validate a debts of {$15000.00} and set up a payment arrangement for a debt that I owe to XXXX XXXX apartments. This is an apartment that I rented for my son and where I know the debt is outstanding the company has never provided me with a letter to allow me to validate or dispute the debt. I have since received an email from the company and I called them back on XX/XX/2023 to provide my payment and they took my bank account information and stated that it was going to take them 13 days in order to provide me written confirmation of my payment. This is truly concerning to me and I am not sure why it takes so long to provide me a receipt for my payments. During the call the gentleman ( XXXX XXXX stated that he was writing my information down and I questioned his response and asked if he was entering the information into a system or was he writing it down. He appeared to be offended however, I have a right to understand how my information is being handled. Also, the company has not provided a written confirmation of the payment arrangement that we agreed to which was {$150.00} for the initial payment and {$150.00} a month to be collected on the XXXX of the month. They told me that they would call me to collect my payment however, I am concerned that they don't have an automated system where I can go and make the payments. I don't choose to be called to pay a debt and should be provided a means to make payment without disrupting my day with a call from the debt collector. 

Every transaction I make with this company should be followed by a written confirmation and not a number provided over the phone. What proof is given to me to state that I have made the payments? How do I know what they are planning to DRAFT out of my account if they don't provide an immediate confirmation of the transaction? 

I asked many questions on the call and they told me I have to wait for an email.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act 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 2023-07-25
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)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX 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 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Waypoint Resource Group, LLC (OH)

In XXXX of XXXX I contacted XXXX XXXX about switching service to my new residence. Due to a disagreement over charges involved I told them to cancel service. I continued recieving bills for the service at my old address, which I still owned but was vacant and did not have any of their equipment to recieve continued service. This went on for htree months, accumulating a balance of over XXXX XXXXXXXX XXXX Finally the bill ws reduced to XXXX XXXXXXXX XXXX which I contested with them and they verified my phone call in XXXX. I was told that they would investigate the recording of the call to verify information discussed. Next thing I know, I begin recieving bills from a collection agency. When I contacted XXXX about it, all that they could suddenly tell me was that the account was sold. When the collection showed up on my credit report, I filed a dispute and it was removed. It reappeared later in another companies name, and was again removed when I disputed it. Now it is on again under a company called Waypoint Resources and they refuse to remove it. My argument with this situation is that the debt was never verified by the original debtor, XXXX, when it was sold into the collection industry and is now being passed from company to company. These collection companies have no idea whether this was originally a legitimate debt or not. I can not get any more information on the account from XXXX as they considered it out of their hands when sold. I feel that XXXX should have finished their investigation as promised and supplied me with transcripts of the phone call which they said was recorded. I also feel that an agency buying these accounts should have some responsibility to verify their legitimacy. All I want is to have this collection permanently removed from my credit report.
Consumer complaint received 2020-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (CA)

On XX/XX/2020 I called Paramount Debt Recovery and spoke to XXXX at extension XXXX, concerning a bill and she acted as if she didn't wan na hear anything that I had to say and I was just trying to explain to her about the debt not being mine, it is my medical bill, but the insurance company is responsible for the bill because of my husband being XXXX and retired and this outstanding bill of {$2000.00} should be taken care of because I already disputed the bill with XXXX and Paramount Debt Recovery and also paperwork was forwarded over to them.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (NC)

I received via mail a welcome letter from Chime with an account number and debit card on XX/XX/2023. On XX/XX/2023 I received an email from Chime stating that the email address on my account had been changed. I contacted the company via the only customer support line available XXXX and they were willing to close the account. I had no idea what information they used to open the account ( ie social, dob, etc. ). After closing the account they said I had to send an email to request information about any transactions that may have gone through the account. They stated no one at their helpline was capable of viewing those transactions except this mystery team that could only be reached via email. No supervisor was available or offered for assistance. I was only provided an email address and no additional assistance to what the potential exposure of this fraud is. I have no idea if I will ever get a response to the email or if it will contain the information needed. The fraudulent customer service at Chime is unacceptable.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid 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: CITIBANK, N.A. (MA)

On XX/XX/2023 I spotted 2 unauthorized charges on my CIti Dividend card from XXXX, one {$15.00} and another {$55.00} and notified Citi. Citi closed my old card, issued security credit and started an investigation. On XX/XX/XXXX Citi sent me a letter saying the 2 charges were legit and put them back to my new card. It was puzzling how they made that conclusion since the orders were placed from an email which was different from the one I registered with XXXX or Citi.com. I called Citi 's Security Operation. The agent said they will re-start the investigation. When asked whether I should pay the charged while the investigation was going she specifically told me " no, you don't have to pay ''. These 2 charges were the only thing on my XXXX statement so I didn't send any payment. Then the XXXX statement came with these charges as overdue together with a late fee. On XX/XX/XXXX and XXXX I called again, the agent promised they would credit my account but nothing happened. On XX/XX/XXXX I asked to speak to a supervisor. this time she said the Security Operation couldn't issue a credit while the investigation was on going and there was nothing she could do and " suggested '' me to pay. When asked to speak to her supervisor she said they can only be reach via snail mail. 
I've been a Citicard holder for 20 years and kept a perfect payment record. Now my credit is affect purely because of the incompetence of the Citi Security Operation agents and the couldn't-care-less attitude of the " supervisor ''. 
Yes Citi is a giant cooperation so much so that they think they don't have to care about their customer 's satisfaction. I doubt how effective this complaint would be in solving my problems but I still would like to put my experience out here on record.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 


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 2023-07-25
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. (TX)

I called XXXX XXXX XXXX on XX/XX/XXXX and asked about a collection on my XXXX credit report in the amount of {$1500.00}. I know nothing about this account from the original creditor, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX has my name but the social security number and address do not match their account information. I was never called, emailed, or contacted by mail from XXXX XXXX XXXX. I keep a XXXX number and a XXXX address. My XXXX phone number and XXXX address is clearly on my credit reports, so XXXX XXXX XXXX has my current contact information. The representative told me there are two accounts with my name showing Ohio and Virginia. I have never lived in either state nor traveled to those states. The original creditor, XXXX XXXX XXXX XXXX is also not in the state of Ohio or Virginia, but in the state of Texas. I have never lived in XXXX. I now live in XXXX after returning from my other country, XXXX ( see attachments ). Lastly, I have not lived in the United States since XX/XX/XXXX and just returned XX/XX/XXXX ( see proof with electric bill from XXXX and resident card ), therefore the account could not have been me. I also called the original creditor ( XXXX of XXXX XXXX ) and there was no account information for me. I'm not understanding how they were even able to put this account on my credit report if none of the information matched up. I'm upset because their negligence dropped my credit score over XXXX points.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The reporting agencies known as XXXX, XXXX, and Transunion continue to report inaccurate information about my credit account known as XXXX XXXX XXXX XXXX. The account is being reported as charged off and with several late payments. I have sent several letters and proof to the reporting agencies and have not gotten them to update the account or remove it. Under the Privacy Act of 1974 I the federally protected consumer have the right to opt out of any of my non public information from being reported without my consent. Additionally the reporting agencies are required to send me opt out notices every thirty days, I have not received any notices. The reporting agencies are not reporting the same information for this account, which is also a violation of the Fair Credit Reporting Act which states they must maintain 100 % accurate information. This account is not charged off it has been XXXX as agreed upon.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax has failed to remove fraudulent inquiries on my credit report. These inquiries are a result of identity theft and I have provided equifax with all the information necessary, however equifax has neglected my request to remove this fraudulent infornation from my credit file.
Consumer complaint received 2023-07-27
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 (PA)

So my issue is I'm a victim of fraudulent transactions that I did not authorize my phone was stolen by someone i knew which also makes this harder to dispute but this happens all the time and we should be protected if something Like this does happen but anyways my phone had all my banking accounts attached literally a press of a button to have access to my accounts which is what happened there was over 12 transactions made to XXXX which was through my XXXX account then the person XXXX XXXX them selves the remaining money or the winnings I'm not sure but over XXXX dollars was used emptied out my account when proceeded to dispute my charges with chime which is my bank they were no help saying I have transactions with the merchant in the past and said yes of course I do its my app but these transactions were not made by me and that's the difference I also provided my time card that proves I was working at the time of these transactions I also filed a police report for these unauthorized transactions and still nothing this is a great amount of money that was spent literally back to back it literally looks suspicious I would never use that much money at once and clear my entire saving never I need some help because this ridiculous I need my money back and it doesn't help that thousands of other people have been experiencing the same thing and not getting their money returned this scares me because I need my money I have XXXX children alo I forgot to mention the transactions in question was just made on XX/XX/XXXX starting at like XXXX up until XXXX I believe also I have XXXX spending limit how they were able to empty my account is beyond me chime just does not protect your money and I am disgusting with their lack of concern I work hard for my money please I'm begging for help with this I also reached out to XXXX and XXXX waiting on responses aswell
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (GA)

The Fair Credit Reporting Act entitles me to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. If the listed claims are found to be inaccurate, please provide accurate and verified information for each claim, as the allegations are not true. If that is indeed the case, I will delete them immediately.
Consumer complaint received 2023-07-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (FL)

I have been paying my monthly payment late, not late to be reported to the credit beau rues but late enough to incur a late charge, so I have been adding approximately {$40.00} dollars to cover the late fee. The company keeps adding it to the following month and keeps adding the total late fees I owe. When XXXX complaint about this they say they can not do anything until I pay the current bill and catch up. I started with Chrysler Capital in XX/XX/XXXX and there was a problem with my account and the payment bounced, so ever since then I have been paying with my debit card to substract the payment instantly. On XX/XX/XXXX I requested to have this payment put at the end of my contract, to which I was denied because of the issue in XXXX. In XX/XX/XXXX I was able to get approved to have that payment moved to the end of the contract but I was moving to a new residence and I had the money for the deposit stolen, which led to me to fall behind on the payment XX/XX/XXXX, again. I can pay the late fee because frankly if I don't get a bad mark in my credit report I am a XXXX veteran and I pay before the 30 day late mark, but every time I bring this up to Chrysler Capital they keep telling me its the daily interest and they take their debt first, instead of the late fee. I have had finance through XXXX XXXX back in XXXX and the interest was also daily, and there was a time when a similar situation was happening and the late fee was always assessed properly. I am now at {$300.00} dollars in late fees and every month I pay XXXX ( late ) {$840.00} to {$850.00}. My monthly payment amount is of {$810.00}. I am attaching a statement ( not current ) because I am locked out of the online account of Chrysler Capital however, you can see their breakdown of fees owed and " late ''.
Consumer complaint received 2023-07-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL (OR)

I was called at XXXXXXXX XXXX. I also received multiple texts which I opted out of. I'm a XXXX XXXX  who is in all time zones and I sleep at different hours. I could not convey that to them. They would not admit to what time zone they were calling from. My payment was made 5 days early. 
This was Synchrony Bank over {$34.00}.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CO)

On XX/XX/2023 I noticed that I had a charge on a previous debit card with Netspend ending in XXXX. The charge originated from XXXX XXXX in the amount of {$16.00}. with a {$1.00} charge from Netspend ( totaling {$18.00} ) Within the following week I notified Netspend of the disputed charges by email. I was told to do a follow-up letter within 10 days about the disputed charges. However, the fax number that was given was busy on all occasions and the fax would not go through. 

Subsequently, I spoke to a representative from netspend and they explained that the inquiry was in process and they would let me know the results from XXXX XXXX. 
I finally got a fax to the company, and they said that they would notify me within 3 days. 
I came across an internet article stating that there had been a recent filing with the FCC concerning XXXX 's charging subscriptions to their customers and making it difficult to reimburse the charges. I am a victim to this practice and requested in my fax to Netspend that I wanted to be reimbursed for any other charges occurred on my account that I did not notice. I contacted Netspend again on XXXX XXXX and they stated they would not conclude their inquiry until XX/XX/XXXX. This practice is not acceptable and they Consumer Protection Bureau should make XXXX XXXX forthwith reimburse all affected consumers!