davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : WAKEFIELD Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX  COMPLIANCE.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2021-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I add a " authorized user '' to my account via my on-line account, it was mailed to my p.o. box ( the only address associated with my account ) I received the card in the mail. I never activated the card. 
On XX/XX/2021 I received txt messages informing me the transactions were made on my card. I didn't not recognize these transactions so I called my credit card company. It was at this time they informed me that someone had called and requested a duplicate card and requested that it be mailed to a physical address not associated with my account. My credit card company fulfilled this request.
Consumer complaint received 2022-07-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account US DEPT ED # 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 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi closed all XXXX of my personal credit cards without any communication on XX/XX/2022. I realized this fact when I randomly checked my spending in citi mobile app. I was so shocked. Called the customer service but they refused to provide any reason why they did this to me. I was told to wait for physical mail notification and that would provide the reason why Citi closed my accounts. I received the physical letter on XX/XX/2022 ( see one of them as attached ), but no reason was provided. I immediately wrote back to request the exact reason why they closed all XXXX personal credit cards, as instructed in the letter. However, I never heard back from Citi after two weeks. Citi refused to told me what happened in the phone. I spent so much effort trying to figured out what happened but they never got back to me. I also lost all the reward points due to account closure. The estimate value were XXXX XXXXXXXX dollars. I request Citi reopen my account and reactivate all my reward points they owed to me, and refund my Citi premier annual fee because I wasn't able to use my benefits due to account closure.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (MN)

XX/XX/year> I used the Chime pay anyone feature to send XXXX to my brother. 


( Way to pay! 
Hi XXXX, you just sent {$60.00} for " Repay '' to XXXX XXXX ) According to the way it's to work, he should have received a text to his phone number which is correct, supposedly providing a link for him to transfer the amount directly to his debit card : ( Did you know you can pay people who dont have a Chime account? Heres how it works : They get a text message or email with a link that brings them to a secure web page.

Next, they use any US debit card to claim their money instantly, and securely. 
Their money arrives instantly and fee-free. No app signup or download needed from them at all. ) He advised that he never received a text. I contacted Chime to open a dispute. 

( Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Pay Friends - Transfer to Incorrect Recipient Date Error Reported : XXXX Claim Amount : {$60.00} ) My brother and I eventually determined XXXX instead was sent to an account no longer belonging to him, whereas had he received a text based on Chime 's own description of the service there would be no issue. 

I provided additional details to Chime which would have immediately cleared the dispute but received in return : ( XXXX XXXX XXXX, This letter is to inform you that we have made a final determination regarding the claim referenced above. As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 
You may request a copy of the documents we used in determining the final outcome of the investigation. If you have any additional questions or need further assistance, feel free to contact us at any time.

Thanks, Chime Disputes Team ) In addition, I requested documents mentioned above and still have yet to receive as of the date of this complaint : ( I want see the documents described also any proof that recipient was sent a text requiring him to transfer the money from the text himself ) I have heard nothing and am still out XXXX. 

I am not interested in a cookie-cutter response from Chime associates, I just want them to do the right thing. And by not doing so, they are justifying misleading information. That XXXX is somewhere other than where it is supposed to be. It needs to be returned to me. I sincerely hope this has to go no further for what some deem a relatively small amount of money. However, small amounts like this multiplied by hundreds of customers becomes very profitable. I do like Chime but this I can not accept.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-06-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Tri-Cities Finance Company (TN)

FELL BEHIND ON THE LOAN BUT WORKED WITH THE FINANCE COMPANY. CALLED THEM TO LET THEM LKNOW THAT THE XXXX WAS BLOWN UP BAD MOTOR AND AT THE MECHANIC SHOP TO BE REPAIRED. THE NEXT DAY THE FINANCE COMPANY REPOED THE XXXX AND SENT IT TO AUCTION. THE AUCTION WAS NOT ADVERTISED ANYWHERE EXCEPT A LETTER SENT TO ME COUPLE DAYS BEFORE AUCTION. WENT TO THE AUCTION AT THE FINANCE COMPANY AND THEY HAD NO RECORD OF THE AUCITON. I DEMANDED A REASON FOR THE AUCITON TAKING PLACE AND WAS TOLD THAT THE AUCTION WAS NOT GOING TO TAKE PLACE. THEN A LADY AND A GENTLEMAN CAME OF THE LOAN COMPANY AND SAID THEY WERE HOLDING AN AUCTION. THE GENTLEMAN BID XXXX ON THE XXXX AND SAID THAT THE DEBT WAS PAID. MY MECHANIC AND MY HUSBAND ARE MY WITNESSES THAT WE WERE TREATED UNFAIRLY AND REQUEST TO HAVE THE FILE REMOVED FROM OUR CREDIT AS DEBT SETTLED OR IF WE HAVE TO PAY XXXX WE WANT OUR XXXX BACK. 

WHEN WE FIRST DID THE LOAN WITH TRICITIES FINANCE THE LOCATION WAS IN XXXX XXXX TN AND WE WERE " RUSHED '' AND EXPECTED TO GET THIS VEHICKE ALL THE ONES THAT WERE IN BETTER SHAPE AND LESS MILEAGE WERE NOT SUITABLE. THE CAR LOT THAT WE GOT THE XXXX FROM SOLD THE XXXX TO US KNOWING IT HAD A CYLINDER DOWN AND THAT THE CAR WAS NOT GOING TO MAKE IT A YEAR. THE MECHANIC THAT WAS FIXING THE XXXX EVEN TOLD THE FINANCE COMPANY THAT THE DAMAGE WAS FROM PREVIOUS OWNER AND THAT THE VEHICLE COULD NOT HAVE BEEN SOLD THAT WAY. AFTER SIGNING THE PAPERS FOR THE XXXX THE BUSINESS CLOSED AND WENT TO ANOTHER LOCATION AND WE WERE NOT NOTIFIED. I FEEL THAT WE WERE LIED TO AND THE LOAN WAS A SCAM. 

EVEN WHEN THE XXXX WAS TAKEN BY REPOSSESION IT WAS AT A CHOP SHOP AND WAS DAMAGED WITH DENTS AND SCRATCHES AND THE REAR SEAT WAS STOLEN. 

I FEEL THAT THE LOAN COMPANY SHOULD EITHER TAKE IT OFF OUR CREDIT, SHOW PAID IN FULL OR SETTLED, OR GIVE THE VEHICLE BACK.
Consumer complaint received 2022-07-07
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, 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 an account without my written instructions
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ).

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2021-06-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (MD)

Jefferson Capital Systems furnished an alleged debt on my Credit File. I requested debt validation along with my request for information outlining their right to collect a debt from me. Jefferson Capital Systems responded by providing information outlining a debt owed to an entire different entity along with a created document from themselves that ( says ) that they purchased a debt and I am liable. Jefferson Capital Systems failure to produce the purchase agreement and or quit claim, in which I specifically requested leads me to believe they are attempting to collect a debt under false pretense which is a violation of the Fair Debt Collection Practing Act.
Consumer complaint received 2022-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX  XXXX  Account Number : XXXX Account Bal : {$93.00} Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX  XXXX  Account Number : XXXX Account Bal : {$370.00} Please remove it from my credit report. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : BETTER BUSINESS BUREAU CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-07
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)

On XX/XX/2022 a dispute was made for company XXXXXXXX XXXX XXXX and was deleted by Transunion on XX/XX/2022 but according to the FCRA 1022.43 Direct disputes e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

This old Santander account is still reporting as a charged off account when I paid the debt. It is not updating my information and is reporting incorrectly on XXXX. It is bringing my XXXX score down 100 points compared to the other two credit bureaus. This account needs to update since I paid it back in XXXX 2020. It is still showing up as a charged off account and hasn't updated since XXXX 2020.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

I opened an account with NAVY FEDERAL CREDIT UNION in XXXX  and total amount of {$1900.00} was locked in my account and i have not been able to access my account since not to talk of withdrawing my available balance. 
All efforts made to contact the said bank have proved futile so far Below is the said bank details : Account Name : XXXX XXXX Account Number : XXXX Routine Number : XXXX Please treat this as urgent sir/ma as i am at risk of losing my money. 
Thank you