davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (PA)

My Chime account was closed. I dont know why. I use my car yesterday to make a purchase and I had no problem. I didnt see that they closed my account sometime after XXXX XXXX  when I made a purchase using my Chime card. I saw that it was closed at or around XXXX XXXX  XX/XX/XXXX when I looked at my account I did make a call. I spoke to a young lady. I couldnt understand on the phone and she could not would not give me any information. Just told me I needed to send a copy a photocopy of my ID front and back and a bank statement from my bank thats attached to my account. My bank statement isnt even ready yet. XXXX XXXX XX/XX/XXXX. My bank is currently investigating a {$350.00} withdrawal made by a XXXX XXXX which I asked her about and she told me they werent affiliated with more questioning. She revealed that they are with XXXX XXXX. I have had this account Over two years and I dont understand why this is currently happening because this could also mess up my credit rating which they help me to establish. Please contact me. I really need help with this you have. My email, but I dont have a problem with giving you my phone number XXXX. Please help
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2024-11-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC (GA)

VALIDATION AND CEASE AND DESIST Collection agency name : Receivable Management 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 XXXXXXXX Dear Receivable Management I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-11-01
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (TX)

XX/XX/year>. Someone fraudulently applied for and open a Nordstrom credit card in my name ( with my maiden last name ). This was not me. I'm notified XXXX of the fraud as well as Nordstrom themselves.
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I was received phone call from Portfolio company and they keep telling i have debt need to settle. 
I asked them to send me Validation letter to proved i owed the debt they mention, unfortunately they never send me. It's been months and they failed to send me the validation letter. 
I been telling them stop calling me because i don't owed nothing with them but they keep calling me from different number.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (RI)

hello good morning i am filing this complaint because i am tired of trying to have this account removed from my credit report and nothing to help me this macys account was opened fraudulent on XX/XX/year> 3 years ago and I have not been able to remove it from my credit this has affected me enough the credit limit is XXXX and today it has a balance of XXXX as well as an account of Best Buy that they opened fraudulently on XX/XX/year> with a credit of XXXX and has a balance of XXXX I have looked for a way to pay that debt that I did not obtain and they have not wanted to help me either
Consumer complaint received 2023-10-09
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. (NC)

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 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
Consumer complaint received 2024-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (NY)

The address I provided matches the address on record because of perpetrator lived in the same address as me from XXXX. I was in an extremely abusive relationship, which I have explained over XXXX times and provided evidence of including police reports, warrants, arrest records, and restraining orders. I was forced to call and dispute late fees by this perpetrator whose information I provided ( XXXX XXXX XXXX ). Payments were made on the account by the perpetrator until he was arrested in XXXX  as shown by the arrest record I provided to XXXX dating back to XXXX
Consumer complaint received 2023-04-28
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. (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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 or 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 2016-02-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (CA)

I. XXXX sent me a letter dated XXXX/XXXX/XXXX stating 1 ) they had been retained by Wal-Mart, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XXXX/XXXX/XXXX. In that letter, I asked XXXX to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by XXXX on XXXX/XXXX/XXXX. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XXXX/XXXX/XXXX by XXXX regarding this matter. 


ISSUE : This firm stated they were retained by Wal-Mart. That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further, XXXX has extended this fraud into court.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (CA)

This is not a regular dispute. Take action immediately you are in violation. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2024-10-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NH)

I received a letter from Radius Global Solutions llc, stating that I owe AT & T {$2000.00}. on account # XXXX. They offer to reduce it to {$1200.00} if I pay it now. 


The last time I had XXXX XXXX XXXX as a provider, was for home phone service, and was at least XXXX yrs ago. I've never had an unpaid bill with them. Nor have I ever had mail from XXXX XXXX XXXX asking for outstanding debt. 

I believe this is a SCAM, hoping I don't have my faculties and that I will panic and pay them this large amount of money. 

I just wanted to bring this to the attention of the authorities so that it can be address with Radius Global Solutions. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (NC)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX XXXX and XXXX XXXX report on XX/XX/XXXX, XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have not initiated any transaction with XXXX XXXX, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Yours Sincerely XXXX XXXX
Consumer complaint received 2024-10-31
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENOVA INTERNATIONAL, INC. (TX)

CashNet USA hired a collection agency that have called from various numbers. 

XXXX XXXX reference file XXXX They have called my employer and threatened to go to my workplace. They also shared my financial information. I am at risk of losing my job for harassment by this debt collecting agency. 

Email I requested a cease and desist. XXXX They have also called a lot of friends and family I am not even associated with, also sharing my financial information and threatening them that they will be going to their homes.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX is showing closed on my credit report for Experian, XXXX, and XXXX. 
XXXX is showing closed on my credit report on Experian only. 

According to 15 USC 1681 ( b ), I have not provided Experian, XXXX, or XXXX with written consent to furnish or obtain my information regarding XXXX XXXX. As such, their reporting of this information is in violation of the FCRA. 

According to 15 USC 1681 ( b ), I have not provided Experian with written consent to furnish or obtain my information regarding XXXX. As such, their reporting of this information is in violation of the FCRA.
Consumer complaint received 2023-08-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HANCOCK WHITNEY BANK (TX)

I am writing to file a complaint against Hancock Whitney regarding the inaccurate reporting of an installment account on my credit report. I have been disputing this item for several months as it is not valid, and I have never had a credit card or installment loan with Hancock Whitney. 

The account in question is being listed as an installment account, and it includes a remark stating that I was previously past due for 60 days. However, I can confirm that I have never had any credit-related account with Hancock Whitney . In the past, I had a debit card for a checking account with this creditor, but it was not an installment loan or a credit card. 

Despite my repeated efforts to dispute this account on my credit report, no investigation has been conducted by the credit bureaus. On XX/XX/2023, I submitted an indirect dispute to XXXX, XXXX, and XXXX. However, they failed to open an investigation into the matter. As a result, I sent a direct dispute letter to Hancock Whitney on XX/XX/2023, using the address listed on my credit report : XXXX XXXX XXXX XXXX XXXX, LA XXXX. Unfortunately, this dispute letter was returned to me as undeliverable, which is concerning as this is the address they have provided on my credit report. 

Not to be discouraged, I made another attempt to dispute the account on XX/XX/2023, using a different address listed on my credit report : XXXX XXXX XXXX XXXX XXXX, LA XXXX. However, the letter was returned to me once again as undeliverable. To clarify, this address does not belong to Hancock Whitney, but rather XXXX XXXX XXXX. 

In a last attempt to seek resolution, I sent yet another dispute letter to Hancock Whitney on XX/XX/2023. However, to date, I have not received any response, and I am concerned that this letter will also be returned as undeliverable.