davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
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. (SC)

Subject : Request for Removal of Inaccurate Charge-Off Entry from Credit Report Dear Sir/Madam , Creditor : XXXX XXXX . 
Account Number : XXXX Date Opened : XX/XX/year> Amount Past Due : {$300.00} Current Balance : {$300.00} Derogatory Amount : {$1.00}. 
Date Reported : XX/XX/year> Status : Collection/Chargeoff I have identified a discrepancy in the reported information. The Amount Past Due of {$300.00} and the Current Balance of {$300.00} do not align with the Derogatory Amount of {$1.00} reported. Specifically, the difference between the Current Balance and the Amount Past Due is {$6.00}, which is not accounted for by the {$1.00} derogatory amount.

In accordance with Title 15 of the United States Code, Consumer Law Protection, the following legal references support my request : The following legal references support my request : 1. 15 U.S.C. 1681 - Fair Credit Reporting Act ( FCRA ) : Ensures accuracy in credit reporting.

2. 15 U.S.C. 1681i - Procedures for Disputing Inaccurate Information : Outlines procedures for disputing incorrect information.

3. 15 U.S.C. 1681s-2 - Responsibilities of Furnishers of Information : Mandates accurate reporting by furnishers.

4. 15 U.S.C. 1681e ( b ) - Accuracy of Information : Requires accurate information in credit reports.

5. 15 U.S.C. 1692e - Prohibition of False or Misleading Statements : Prohibits false statements in debt collection.

6. 15 U.S.C. 1692f - Prohibition of Unfair Practices : Prohibits unfair practices in debt collection.

7. 15 U.S.C. 1692c - Restrictions on Communication Practices : Limits communication practices in debt collection.

8. 15 U.S.C. 1692g - Requirement for Debt Validation : Requires validation of debts.

9. 26 U.S.C. 6050P - Information Reporting for Canceled Debts : Requires reporting of canceled debts using Form 1099-C.

10. 26 U.S.C. 6041 - Information at Source : Mandates reporting of certain payments to the IRS.

11. 26 U.S.C. 6042 - Information Reporting on Dividends : Requires reporting of dividends to the IRS and shareholders.
Consumer complaint received 2021-08-05
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. (MI)

The credit bureaus refuse to remove the following derogatory remarks after they have been unsuccessful at verifying any of the below. They defy all of the Credit Reporting laws and continue to defame my character as they have experienced data breaches which have compromised my privacy and security. I have just about had it with all that's going on with these bureaus and was advised to reach out to you all prior to litigation. Furthermore the newer law regarding credit laws, The Comprehensive Credit Act of 2020 section 401 specifically states that no items on my credit report for which no agreement / contract has been provided should at all show up on my credit report. However, the bureaus refuse to do anything regarding complying with these laws as well. I've had it and was advised to reach out to you all prior to litigation. 

TransUnion unauthorized Inquiries : XXXX/XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX  : Breaks Hippa laws, not mine, no contract, ( ILLEGAL DATA ) falsely reporting about me : XXXX XXXX {$170.00}. I've never entered into agreement with these folks, who are they? Is the data breach what caused this issue? 

XXXX, unauthorized Inquiries : XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX. There are late payments also reporting for which I've required proof to be shown to me as I do not have on my end anywhere that I paid late for two accounts listed as XXXX XXXX XXXX whether the account was either opened or closed. I had been adamant about providing on time payments. This is a violation of my character which defames me.
Consumer complaint received 2020-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I have been using Venmo with friends and family to send and receive payments between us. On XX/XX/XXXX two family members, XXXX and XXXX XXXX, used their Venmo accounts to pay me using their XXXX XXXX XXXX XXXX cards. 

XXXX XXXX processed three payments for {$1000.00}, {$900.00}, and {$100.00} - totaling {$2000.00}. XXXX XXXX processed a payment for {$1000.00}. Each of them had enough funds in their XXXX accounts to cover the payments, and still do. I received the payments in my Venmo account and processed a transfer to my XXXX XXXX bank account. 

On XX/XX/XXXX each of us received emails that our Venmo accounts were frozen and requesting we send in photographs of our licenses. We have since done so, but our accounts remain frozen and we've received no information regarding why the accounts were frozen. If XXXX and XXXX had the funds to cover the payments why were they stopped and our accounts frozen? 

This appears to be a mistake on Venmo 's side, but we are the ones paying the price with frozen accounts. We utilize Venmo quite often and would like our accounts unfrozen so we can proceed with utilizing the service. 

Thank you.
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (OR)

After receiving an automated Email from my bank stating I owed {$180.00} due on XX/XX/2021 I knew something was wrong with my account, so I contacted my bank to find some answers. During that phone call, the associate I talked with stated the charges came from a {$30.00} late fee ( 1 day late payment from XX/XX/2021 ) as well as my XXXX monthly payment. When I told the associate that the numbers didn't add up and the {$180.00} was incorrect and there was no way I owed what they were claiming and something was wrong with my account, I was going to be put on hold so my account could be looked at. Instead I asked to be called back as I would use the time as well to look at my records. They agreed and the call ended. They never called back, instead, their in-house collection department called me in an attempt to collect on an outstanding debt in the amount of {$180.00}. While I was talking to the first agent that called I again explained that the amount was incorrect and my account needed to be looked at. Instead of helping me they said I owed {$180.00} and could I make a payment. I said no and the call ended shortly thereafter. After several calls back from the same department demanding payment of {$180.00}, I finally had to tell them to stop calling me unless someone was going to help fix my account. No more phone calls from anyone. When I called my bank on XX/XX/2021, trying for the final time to clear my account and after spending 55 minutes going round and round with the collection department, I found out my real XXXX payment was only {$82.00}. If you add the late fee of {$30.00} it's only {$110.00}. Far different then the {$180.00} they spent the month of XXXX trying to collect from me. It's simple math and the numbers don't lie. After almost an hour of round and round I finally had enough and told them to close my account so they couldn't keep adding on additional fees and fines. Despite proof in numbers they still wanted {$180.00} to clear my account.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2020-01-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Franklin Collection Service, Inc. (TN)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2021-08-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (IL)

On 2012 my XXXX email was hacked and i have not used my XXXX email in over ten years. I was notified by a Navient representative that i requested several deferments and forbearances through my email, when in fact i did not. I think it is very harmful to request forbearances or deferment without disclosing the nature of how it works We would love that Navient to contact XXXX  and XXXX  to contact and let them know that the account is old and it went into default XX/XX/2012. The email " XXXX '' has been hacked since XXXX. So XXXX XXXX Never requested DEFERMENT OR FORBEARANCE through email. So when XXXX  and XXXX  contact Navient they have to let them know that the account is old ...
Consumer complaint received 2021-08-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (CA)

I made my first payment on the XXXX of XX/XX/2021. I requested a due date change on the XXXX of the month to change my due dates to the last day of each month. I received confirmation that the due date was changed and my next payment would be due on the XXXX of XX/XX/2021 and that my term would be extended due to the increased days in between payments. To my surprise I found that additional payment had been drafted out of my account for the amount of {$140.00} on the XXXX of XX/XX/2021. This was not an authorized payment by me and is a violation of regulation E banking law. I requested a refund and the company has refused. I asked for my due date to be changed back so my payment would applied for XXXX. They refused and now state i must still make a payment in XXXX.
Consumer complaint received 2021-08-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (LA)

Auto loan settlement was paid in full, as agreed. 
30 days later a new bill, under the same acct number was mailed to me. Now stating there is a past due amount. The account has been paid in full, a month early. 

Radius global continues to verify the account is paid in full, yet continues to bill and report to credit bureaus that the account is defaulted and past due. 
On XX/XX/21, spoke to Mrs XXXX ( original contact person ) she stated it is an error and the account is in fact paid. She stated an email would be sent showing no payment is due. 
The company refuses to send me verificattion of a paid account, is reporting to the 3 major credit bureaus and continues to add late fees and unpaid amounts to a closed account. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, mn XXXX XXXX acct # XXXX
Consumer complaint received 2021-08-05
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. (AZ)

My credit score just ranked XXXX points because your company erroneously reported this XXXX charge off as an open active collection. This XXXX was totaled in a car crash in XXXX I have just apply to relocate out of state and if your erroneous reporting on my credit file is the reason I get denied I will hold you company civilly liable. If you do not know what that means I will file a lawsuit against your company for falsely reporting a closed account as active that resulted in my relocation housing and employment denial. I will sue for all my moving cost, deposit loss, flight cost for my whole family, punitive damages and more if you do not correct your reporting from open active collection to closed in 24hours
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I called my bank on XX/XX/2022 same day the scam too place advised them that I was unknowingly scammed. XXXX phone number was spoofed. Call came in showing XXXX. I was told my lights would be cut of in 45 minutes because my previous payment was rejected. I was told to send the money through XXXX so it could be credited right away. First amount was XXXX. They advised me that the payment did not go through because the late fee was not added. I was told to send XXXX and the XXXX would go back to my account. I did as I was told because I was frantic distracted and was planning to call XXXX to go over my bill. So the call came in at a perfect time caught me off guard. The bank has refused to help they did not refund any of the money that was lost. The transaction was initiated by the scammer under false pretenses. We should have protection from our bank in cases like this we have no protection. At least credit the first instance as a courtesy. But to give nothing back just like that my rent money was gone.
Consumer complaint received 2023-04-12
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXXXXXX Opened Date XX/XX/XXXX Balance {$0.00}. Please delete.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1.  XXXX/XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$3000.00} -This is not my account.
Consumer complaint received 2021-08-04
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. (NY)

I sent a letter to TransUnion requesting that they provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. TransUnion have fail to honor my request.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

I was scammed for a total of over {$800.00}. Chime bank refuses to give me my money back. I have been opening claim after claim since XX/XX/2023. I was scammed from a social media site. I called let them know I was scammed and never got my product and this is steady being denied. I even submitted documents as well to verify this information after I was blocked from making contact with the person who was sent the funds.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-04-11
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. (KS)

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 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 ( TRANSUNION ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2023-04-17
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. (CA)

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-04-11
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)

I need to get this issue resolved asap! I need them to read the letter that was sent and to note that XXXX phone number XXXX is no longer in service so there is no way we can call them direct to get it fixed. These credit reporting agencies are reporting and claiming to verify these accounts through a closed company. These accounts have a XXXX balance as shown by the Department of Education and XXXX wo is the servicers of the student accounts.