davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CO)

I was the victim of a fraud attack early on the morning of XX/XX/year>. I received a text message stating that it was Chime, and stating that I had a fraud alert, it provided a link to check to see the alert, so I clicked on it, it took me to my Chime login page and I logged into my account, at which point I was redirected to a Chime page that said " Thank you for acknowledging ''. Shortly after that I received a phone call from Chime support asking for my first name, last name, and phone number to verify me, they told me they had cleared the fraud alert and that I was good to go. I attempted to log into my account after the phone call from support and saw that my account was locked, so I reached out to Chime support and asked why my account was locked. They helped me to unlock it, at which point I logged in and saw that my entire balance had been XXXX  out which was over {$1300.00} ( rent money ). I called Chime support back and they said that they didn't see a transaction or a balance on their end so there is nothing they can do. I have since called them 3 times to attempt to get help in getting my money back so that I can pay rent and other bills and they refuse to help, stating that they see no transactions so there is nothing to dispute.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I have incorrect information displaying on my credit report from Experian XXXX XXXX. 

I have reached out on more than one occasion as well as sent dispute letters highlighting all the discrepancies. I was notified that they would investigate and upon completion of the investigation no changes were made to reflect to correct information.
Consumer complaint received 2022-06-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am a senior over the age of XXXX. 

PORTFOLIO RECOVERY ASSOCIATES LLC HAS BEEN HARASSING ME BY WAY OF TELECOMMUNICATIONS FOR A VERY LONG TIME. MORE THAN FIVE YEARS. I have been recently informed of my rights in this matter and have sent out XXXX cease and desist letters to this company in order for this to stop. I have never heard of this company and do not have any contracts nor any transactions have been made between us. This company has called me at inconvenient times with the intent to harass and annoy. They have used several different phone number and have not once properly identify themselves or any disclosures. This is a violation of 15 usc 1692 ( d ) These correspondences will be sent out by mail to your company for review with tracking # : XXXX XXXX XXXX XXXX XXXX I have placed my phone number on the FTC DO NOT CALL LIST as well. Yet the harassment has yet to cease. They have violated me under 15 USC 1692 et seq. I am requesting remedy under 15 usc 1692k civil liabilities in the amount of {$1000.00} per account of violation and {$1000.00} per account of damages, mental anguish and emotional distress. Please note, correspondences have been forwarded to you by mail.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-09-18
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC (UT)

XXXX XXXX XXXX XXXX calls twice a day after I told them to stop repeatedly calling me. They leave a voicemail each time. 
Bank is : Global Lending Services XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

First Citizen Bank has allowed their customers access to do ACH withdrawals from my account. I noticed on my bank statement was charged by a company called XXXX XXXX. I call my bank XXXX XXXX XXXX and was give the number of First Citizen bank. The establishment where the money was transferred to. I called First Citizens bank and they were not able to assist me in any way since I do not have an account with them. But after my bank provided me a company id XXXX and their ACH department I was given a cell phone number XXXX. On XX/XX/XXXX I was given a name by XXXX XXXX XXXX by the name of XXXX XXXX. I have been told by XXXX  XXXX XXXX that I need to reach out to the XXXX XXXX but the information that I was given is the exact same as what First Citizen gave me. The two transactions that are in question were made on XX/XX/XXXX withdraws {$65000.00}. Then 4 days later on XX/XX/XXXX there is another withdrawal for {$53000.00}. These transactions are not authorized by me therefore were made by First Citizen bank. I need to get my money back, since First Citizens bank has no information about the account holder they are responsible for helping me recover my money. First Citizen Bank is opening fraudulent accounts and allowing fraud to happen, and when asked who is this merchant they have no information.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" After reviewing my latest consumer report, I identified the inclusion of bankruptcies that appear to be inaccurately reported. I am aware of a potential violation of 15 U.S. Code 1681a ( 4 ), which pertains to the Consumer Right to Privacy. Specifically, it has come to my attention that these bankruptcy claims should not be present on my credit report, and furthermore, it appears that my personal information has been disseminated without my consent. 

Such actions are deemed unacceptable. I wish to assert that I am a victim of identity theft, and as such, there may be criminal and civil liability associated with these discrepancies. In the event that this complaint is not addressed in a satisfactory manner, I must emphasize my intent to pursue legal recourse against you. "
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (PA)

IN THIS COMPLAINT YOU WILL FIND A DISPUTE THAT REFERENCE INQUIRIES THAT I MAIL TO EXPERIAN DATED XX/XX/2023. ON XX/XX/XXXX EXPERIAN RESPONDED WITH A LETTER SENT DIRECTLY TO ME STATING MY DISPUTE LOOKS SUSPICIOUS AND THEY DONT BELIEVE IT WAS FROM ME. 

HERE IS A DIRECT QUOTE TAKEN FROM THE LETTER WE RECEIVED A SUSPICOUS REQUEST IN THE MAIL REGRDING YOUR PERSONAL CREDIT REPORT AND DETERMINED THAT IT WAS NOT SENT BY YOU. SUSPICIOUS REQUESTS ARE REVIEWED BY EXPERIAN SECURITY PERSONNEL WHO WORK REGULARLY WITH LAW ENFORCEMENT OFFICIALS AND REGULATORY AGENCIES TO IDENTIFY FRAUDULENT AND DECEPTIVE CORRESPONDENCE PURPORTING TO ORIGINATE FROM CONSUERS. 

IN A EFFORT TO SAFEGUARD YOUR PERSONAL CREDIT INFORMATION FROM FRAUD, WE WILL NOT BE INITIATING ANY DISPUTES BASED ON THE SUSPICIOUS CORRESPONDENCE. EXPERIAN WILL APPLY THIS SAME POLICY TO ANY FUTURE SUSPICIOUS REQUESTS THAT WE RECEIVE, BUT WE WILL NOT SEND ADDITIONAL NOTICES TO YOU THIS IS A STRANG ASSUMPTION BEING THAT ALL MY VERIFICATION DOCUUMENT WAS ATTACHED TO MY DISPUTE. THEN EXPERIAN GOES ON FURTHER AND STATES THEY WILL NOT INVESTIGATE ANY FURTHER DISPUTES FROM ME. THIS IS OBVIOUSLY AN ATTEMPT BY EXPERIAN TO VIOLATE THEIR DUTIES TO DO A REASONABLE INVESTIGATION. SEEMS AS IF THEY WOULD PREFER ME TO CONTINUE WITH A CREDIT REPORT FILLED WITH INACCCURACIES INCLUDING MY ADDRESS. THIS ONLY SERVES EXPERIAN BOTTOM LINE AND PROFIT. 

LASTLY EXPERIAN IN THE LETTER RESPONSE IS DOING THEIR BEST TO FORCE ME TO DISPUTE ONLINE AND BY PHONE, OR DOCUMENT UPLOAD, WHICH BY THE WAY DOESNT UPLOAD. I HAVE A RIGHT TO DISPUTE BY MAIL AND ASK FOR A RE-INVESTIGATION OF ACCOUNTS THAT ARE IN-ACCURATE AND INCOMPLETE BUT EXPEIAN IS REFUSING ME THE CHANCE TO DO SO. ALL DISPUTES ARE WRITTEN, TYPED AND AUTHORED BY ME. EXPERIAN NEEDS TO STOP VIOLATING MY RIGHTS UNDER USC 1681i AND PROCEED WITH MY ORIGINAL DIPUTE THAT IS ENCLOSED I THIS COMPLAINT AND ALSO BEING REMAILED. THEY ARE STILL UNDER THE ORIGNAL XXXX CLOCK AND ONLY HAVE THE REMAINING DAYS TO COMPLETE. ATTACHED TO THIS COMPLAING IS A COPY OF THE LETTER FROM EXPERIAN STATING THAT THEY VIOLATED MY FCRA RIGTHS AND WILL CONTINUE TO DO SO. ALSO ATTACHED TO THIS COMPLAINT IS COPY OF ORIGINAL DISPUTE FOR EXPERIAN TO PROCEED SINCE THE CLOCK IS STILL RUNNING ON THE ORIGNAL 30 DAYS. EXPERIAN ALSO NEEDS TO STOP BLOCKING MY DISPUTES AND TO TAKE OFF THE FILTER ON MY ACCOUNT PROHIBITING ME FROM DISPUTING IN-ACCURATE AND INCOMPLETE ACCOUNTS
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Back on XX/XX/XXXX, I submitted disputes to the XXXX credit bureaus as there was information on my credit report which I don't believe was accurate. I sent a letter to Trans Union to XXXX XXXX XXXX XXXX, PA XXXX. I sent a letter to XXXX to XXXX XXXX XXXX XXXX, GA XXXX. And I also sent a letter to XXXX at XXXX XXXX XXXX XXXX, TX XXXX. 

Since then, I never received any responses or notices back. Because I never received any responses or notices back after almost 60 days, I sent them another round of disputes on XX/XX/XXXX asking for the same investigations and corrections to my credit report. Once again, I didn't receive any notices or responses. I have active credit monitoring, so I know if they have at least attempted to investigate accounts as I would be notified that accounts were under dispute or that disputes have been resolved. That didn't happen either. 

Here we are in XXXX, and I have yet to receive any letters from anyone, in regard to my disputes. Since I'm tired of waiting, and because I'm not going to send a third round only for the same thing to occur or rather in this case to once again not occur, I decided to let you know so maybe you could help me in obtaining investigation results for my disputes. That's not too much to ask for, is it?
Consumer complaint received 2019-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (CA)

Good Afternoon, i first noticed that i had a collection open with Hunter Warfield, i contacted them what it was about and i was told that it was from a broken lease, and i replayed that i didnt terminate a lease with XXXX XXXX, and didnt renew my lease. i requested a copy of the claimed lease and they couldnt provide it. i asked if paying this would delete the collection from my account several times and every response was a blank message. can you please assist me with this, when i moved out of my apartment at XXXX XXXX XXXX, i was served with an evition notice either pay in 3 days or return keys. i returned my keys to the office in the drop box. i have attached a communication log from hunterand warfield i have attached the resaults of the dispute that says it was sent to the credit beaus for deletion and the communications with the company that states they dont have a copy of the lease. they also claim they sent a notice if they did i didnt recieve it to dispute this. and oboviously it wasnt certified letter so they cant prove it was signed for upon reciept
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

4. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

accordance with the Fair Credit Reporting act XXXX Account # 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 2019-05-23
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: AMERICAN EXPRESS COMPANY (FL)

I previously filed a complaint against American Express several months ago due to the charges of a dispute. Complaint ID XXXX. You might want to look it up. They sent you a letter saying the charges would be removed. It is now 3 months and 6 total letters from American Express over the past 9 months saying the dispute has been resolved in my favor and a refund does not appear on my statement. Can I file criminal charges against American Express due to their lack of accountability and fraud. Why? Nothing has been done by them or your organization.. Another useless government agency.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (LA)

I have 2 hard inquiries on my credit report from some place called Syncb/XXXX XXXX in XXXX, FL. One is  from XX/XX/XXXX 2018 and the other from XX/XX/, 2018. Their phone number is listed as ( XXXX ) XXXX. I have no idea who or what these are, and they should not be listed in my credit report either. It seems to me my credit was improperly handled and misused by whoever this company is. Can you please take steps into investigating this, and have them remove these from my credit reports, please? 
I am having the same issue with a hard pull from XXXX XXXX in XXXX XXXX XXXX UT on XX/XX/XXXX2018. I am not sure if they are pulling it on their own, or if someone is doing it without my knowledge. Please investigate this one also, and ask them to remove it from my credit reports. Their phone number is listed as ( XXXX ) XXXX. 
Any assistance is greatly appreciated!
Consumer complaint received 2018-09-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Services Collections, Inc (MO)

Never received any warnings. 
Called me left a voicemail. Didnt explain anything. Tried to call them but they constantly hanging up. 
Now trying to distroy my credit by opening collection account. 
Aggressive and uncalled for approach. 
How is this legal?
Consumer complaint received 2018-12-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC (TX)

" Office of Maury Cobb '' has called using several different phone numbers. The office is listed online as a scam debt collector that buys debt. The most recent number the robo call came from was XXXX. My phone caller ID has every number the office of Maury Cobb has called listed as a " Potential Spam ''.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (RI)

I opened a XXXX Credit Card with Synchrony Bank on XX/XX/XXXX with an {$800.00} limit. I made several purchases and always made my payments on time each month. I just paid off the balance a week ago with a payment for {$740.00} to pay off the balance which was processed with no issue. I confirmed all of this with chat representative XXXX XXXX on XX/XX/XXXX at or around XXXX PM ET. I am delinquent on none of my other accounts. In fact just finished paying off almost all of my credit cards. I have a stable job making over the average median income that was unaffected by the pandemic. I was literally approved for credit increases on some of my other longstanding cards and a new XXXX through the XXXX XXXX XXXX for {$1500.00} limit just last week. I am the antithesis of a risk. 

This evening, I received an e-mail with an electronic PDF form letter saying that due to a periodic review of my credit worthiness, that they would be closing my card. They have failed to show any actual evidence as to what financial risk they faced by maintaining an account with them. They have unilaterally made a decision based off no actual risk behaviors from me. There is no new delinquencies of any kind reported on my account, no accounts at any other institution not current, most without balance. They have decided based off nothing that they are going to take action against me that seriously harms my credit score and financial health. 

Read their XXXX page, and I am sure you have many other similar complaints, that this pattern of abusive, malicious behavior is a mainstay with them. In order for a company to be able to affect your credit score in such a manner there needs to be some form of delinquency. Otherwise you are allowing the tail to wag the dog, they get to tell you that you are not worthy of credit and then ensure it by enacting in a manner that affects your credit score. Now this will affect my ability to obtain credit with another issuer and for what? Nothing. They can argue all they want about their right to do these reviews and make assumptions, but until they can provide documentable proof that I am or am about to default or miss a payment, etc., they have no legal authority to impact me negatively. Which they have.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Finance Company, Inc. (TX)

XXXX XXXX XXXX reporting medical bill due. I did not owe XXXX. I have medical insurance for mental health treatment with them. They are incorrectly showing collection and date of balance. They are violating FCRA rules of reporting medical collection before 365 days have past and I do not owe debt. In addition, they are violating my HIPAA rights. If it was for treatment on some other date, they have failed to provide information and bill, more importantly billed my health insurance. Their doctors have dropped me from care on several occasions without proper notice leaving me without proper mental health care and medication.
Consumer complaint received 2023-09-18
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Possible Financial Inc (OH)

accordance with the Fair Credit Reporting act 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 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (MA)

I have paid in full Amex credit card back in XXXX, but it still shows as delinquent account in my credit report, and therefore, It has been affecting negatively my credit score since then. I have contacted the credit company to fix this error back in XXXX but until now this problem hasn't been resolved yet.
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (GA)

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 XXXXXXXX XXXX XXXXXXXX : # XXXXXXXX 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 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.