davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute several unauthorized inquiries listed on my credit report, which I obtained on [ Date of Report ]. The following inquiries were made without my consent and are inaccurately reflected on my credit file : XXXX XXXXXXXX - Inquiry Date : XX/XX/year> XXXX - Inquiry Date : XX/XX/year> XXXXXXXX XXXX - Inquiry Date : XX/XX/year> XXXX XXXX - Inquiry Date : XX/XX/year> These inquiries do not reflect any legitimate or permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related laws. Specifically : FCRA Section 604 outlines permissible purposes for which inquiries may be made, emphasizing that inquiries must have the consumer 's consent.

FCRA Section 609 affords consumers the right to dispute inaccurate or unauthorized information on their credit reports.

FCRA Section 611 requires that consumer reporting agencies investigate disputed items, such as unauthorized inquiries, and correct or delete information found to be inaccurate or unverifiable.

Additionally, the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, or because an applicant receives income from a public assistance program.
Consumer complaint received 2024-06-24
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: Experian Information Solutions Inc. (FL)

Despite multiple previous disputes regarding this account, the inaccuracies remain uncorrected, demonstrating potential willful noncompliance under 15 USC 1681n.

Details of the Disputed Account : Account Name : XXXX Debt Validation Issues : The company to which the debt was sold, XXXX XXXX XXXX , investigated and stated they can not validate the debt, hence they ceased collection efforts as indicated in the attached correspondence dated XX/XX/year>. However, XXXX continues to report the debt. This violates the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 USC 1681s-2 ( b ) ), which requires furnishers to cease reporting information if it can not be verified. 

Repeated Disputes Ignored : Despite previous disputes, the errors have not been corrected, indicating potential willful noncompliance by the credit reporting agencies and XXXX. Under the FCRA ( 15 USC 1681i ( a ) ), credit reporting agencies must reinvestigate disputes and correct any inaccurate information. Repeated failure to correct errors can be considered willful noncompliance under 15 USC 1681n, making them liable for damages. 

Supporting Documentation : The letter from XXXX XXXX XXXX confirming they ceased collection efforts and can not validate the debt.
Consumer complaint received 2024-07-12
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 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 2024-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IN)

My checking account with Chime Bank was closed on XX/XX/XXXX. I wasnt aware of my account being closed and still had funds in my account. I have called numerous times spoke to many different people and they all keep telling me I am not eligible for a refund of the money in my account.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MN)

Citibank High Yield Savings Account : Account becomes blocked after 6mos of inactivity ( no " qualifying transactions '' during a specific period of time ). 

The policy blocks access to funds from the account holder, provides limited/no ability to contact Citi due to the account status being " blocked, '' while not notifying within the app or interface the current account status. Essentially the only way to remove this status ( branch location is not in my area ) is to be in possession of the notifying letter, and sending a notarized form confirming your identity. 

Citi has cynically and opaquely designed their High Yield Savings Account '' dormant account, '' policy to confuse and restrict account holders from access to their funds. Ultimately, after a period of time in this blocked/dormant status, Citi closes the account and to my understanding also takes possession the funds. 

Despite having multiple ACH deposits ( of $ XXXX ) sent into the account preceding the " inactive '' period by a month, these deposits are not considered " qualified transactions. '' A " qualifying transaction '' essentially means using the ATM debit card. This account provides a card which lacks a CVV, and is essentially only usable at an ATM for withdrawals. As a savings account, it's unexpected/unusual for someone to transact out of this account on a frequent basis. However, you are unable to use the account for any standard or online transactions -- and yet, are strongly penalized and putting your savings at risk if you are unaware of this wacky policy. 

Additionally, the app does not provide any form of notification of the account status change. If the account holder fails to receive the mailed letter informing of them of this change, ( and the subsequent risk of account closure and savings forfeiture ) -- they will likely have no indication anything is wrong unless they attempt to withdraw money from the account. The interface simply provides a generic " oops, something went wrong. Try again later '' when attempting to withdraw funds while in " dormant account blocked, '' status -- further obsificating key information from the account holder. 

My attempts to call and receive information about this was essentially not possible, as the automated phone system will simply state they are unable to verify the ATM card ( due to its blocked status ). I was unsuccessful in contacting any representative on this topic. 

Ultimately, I got a notarized seal on the form provided to reverse the status, and after about 14d had access to withdraw my funds again. No confirmation or letter was ever provided.

I've since removed my money from the account and will close the account. I am now very vocal against Citi 's cynical and anti-consumer policies and practices.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-09-20
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TomoCredit Inc. (FL)

I have requested A Refund for an unauthrorized charge and a membership I did not request I have sent XXXX or more emails to tomo and sent cert mail and countless hours on trying to get my money back and make contact I made conatct with them within XXXX of seeing the illegal charge on my card and email for a membeship with days of aggravating and harrasing emails turning into weeks now even after I have opted out the Customer Service department only sends scripted emails there is no phone number anywhere for the XXXX company I tried to use this service for help while they get away with breaking the law and violating my rights so they respond that they cancel my membership after XXXX weeks but will not return my money even after the fact i did not use one secound of thier service or ask for anything products they respond with ... ....

" As outlined in our terms, the payments made are non-refundable. This policy helps us allocate resources and support our services effectively. We value your feedback and are committed to ensuring a satisfactory resolution. If there are any outstanding issues or further assistance we can provide, please do not hesitate to contact us directly. Sincerely, XXXX '' XXXX XXXX where is the phone number????????? how do I contact anyone directly>> about my refund I never read your terms because I never wanted your service do you understand that XXXXXXXX XXXXXXXX
Consumer complaint received 2024-06-24
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: Experian Information Solutions Inc. (FL)

f there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Consumer complaint received 2024-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (MI)

XX/XX/year> This has been a recurring problem with Mr. Cooper. There is no clear way to reach a person on any of their customer service lines. The menu is voice only, 0 and " speak to a person '' don't work. If you navigate the menu long enough you're just randomly transferred to a person after some recording or other plays but it's never clear when or why. 

When I finally reached a person, they had no way to send me the document I needed. She told me to " write it down ''. But I needed a document with proof of the insurance payment for my broker b/c she couldn't find the payment. 

Further, they constantly route you to their insurance subcontractor, mycoverageinfo.com. But mycoverageinfo.com won't let you speak to a person at all unless it can look up your loan number. But I entered my loan number correctly, exactly as it appears all over Mr. Cooper 's website and the system just says " loan not located ''. It's an interminable loop. 

The web system also fails to find my loan. This leaves me with zero option to actually get information on my loan & insurance, because I can't reach a person to ask a question. Twice today it took 20+ minutes, none of that on hold, to reach a person. I still have no idea how I ended up connected either time in order to replicate it. 

This is frankly a ridiculous state of affairs for it to be so difficult to manage my account. Their customer service numbers are also nowhere on their website - I only found it by looking at " pissedconsumer.com '' - seems like they should have to publicize how to reach them even if it's just going to be a machine.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (NY)

recently applied for credit and was denied based on this fraudulent negative collection FROM CREDIT MANAGEMENT COMPANY appearing under my name. I DO NOT OWE ANY MONEY TO THIS COMPANY for this alleged debt. I am refusing to pay this debt until the company can provide me with the requested information for validation of this debt.This collection is not accurate or can be validated. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt. I ask that you provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. XXXX ) A complete Audit Trail calculation of this balance, including the complete payment history on this account XXXX ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. XXXX ) The Agreement that grants you authority to collect on this alleged debt. XXXX ) A copy of your state license, including license number that give you rights to collect in my state. XXXX. ( The purchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you ) XXXX. ( Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt you nor I can validate this because neither of us was present ) XXXX. ( The Original Promissory Note on this Alleged Debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act and FDCPA. Also, you have committed the following FDCPA Violations you are sending deceptive forms making false belief that I owe you. 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection or to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only. You have 15 days from the date of this letter to respond with all items requested and I demand this item be removed immediately from all credit reporting agencies and 3rd parties or I will seek l XXXX compensation damages for the violations you already committed.
Consumer complaint received 2024-09-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (CO)

We have been in a dispute with Ally Financial and now XXXX XXXX since XX/XX/XXXX over closing out an auto lease, with at least XXXX calls on various dates asking for an explanation on why we have an outstanding balance of {$530.00}. Throughout the various phone calls, the answers wavered between a cracked windshield and a missing payment or payments. We provided the XXXX XXXX XXXX XXXX that covered incidental damages and proof of our Ally statement showing we made the XXXX payments as the contract required. XXXX XXXX wouldn't even accepXXXX XXXX XXXX  statements for payments and requested time stamped bank statements showing proof of payment, in which we provided. This seems very unnecessary when they couldn't accept the Ally Financial payment statement. We also requested an updated final statement, as they amount we owe doesn't even match the amount on the final statement. We were sent the original statement dated XX/XX/XXXX with no updates made. Again, the amount on the XX/XX/XXXX statement is for {$940.00} and the amount they are now saying we owe is {$530.00}. This was sent to XXXX XXXX on on XXXX and XX/XX/XXXX. We have been told that their account team is reviewing our account XXXX times now and someone will be back in touch with XXXX XX/XX/XXXX hours with a response. To no avail, there has been no follow-up. When I explained my frustration that we have received this same response before, they responded we would then have to call in and check on it. I also filed a complaint with Ally Financial on their XXXX XXXX on XX/XX/XXXX, and was told we needed to call a number that went directly to XXXX XXXX. I also emailed that same complaint to XXXX requesting a reason on why we owe the outstanding balance. The complaints didn't go anywhere for a response. We continue to receive letters with Notice of Intent to Report Negative Credit. The letter states the willingness to work with us, which XXXX has been done on their end to help explain why we owe when have proof of meeting our contractual payment obligations. The only thing we get when we bring this fact up is their account team is reviewing, and the cycle goes on. We are beyond frustrated with nothing coming from Ally or XXXX on a response back for the outstanding balance. We have attempted several of times beyond what should be acceptable to have them provide us an explanation of the outstanding balance. Missing payment is not the answer when we have provided all the supporting documentation of the payments made. This is a bank and have regulations they should be following in adequately addressing complaints.
Consumer complaint received 2024-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc (MO)

XXXX - XXXX, XXXX XXXX XXXX {$260.00} MCA MANAGEMENT COMPANY XX/XX/year> I'm XXXX, disputed XXXX FYI : It's XXXX  facility Please acknowledge my complaint respectfully.
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

I have sent a debt validation letter for the following accounts : XXXX XXXX XXXX Bal {$500.00} acct # XXXX XXXX XXXX XXXX XXXX {$630.00} acct # XXXX LVNV Funding LLC Bal {$1100.00} Acct # XXXX LVNV Funding LLC Bal {$1100.00} acct # XXXX LVNV Funding LLC Bal {$730.00} acct # XXXX LVNV Funding LLC Bal {$1200.00} acct # XXXX XXXX XXXX XXXX {$290.00} acct # XXXX XXXX XXXX XXXX {$650.00} acct # XXXX XXXX XXXX XXXX {$3400.00} acct # XXXX XXXX XXXX XXXX {$600.00} acct # XXXX
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

I have sent a debt validation letter for the following accounts : Midland Credit Management XXXX {$500.00} acct # XXXX Midland Credit Management XXXX {$630.00} acct # XXXX XXXX XXXX XXXX XXXX {$1100.00} Acct # XXXX XXXX XXXX XXXX XXXX {$1100.00} acct # XXXX XXXX XXXX XXXX XXXX {$730.00} acct # XXXX XXXX XXXX XXXX XXXX {$1200.00} acct # XXXX XXXX XXXX XXXX {$290.00} acct # XXXX XXXX XXXX XXXX {$650.00} acct # XXXX XXXX XXXX XXXX {$3400.00} acct # XXXX XXXX XXXX XXXX {$600.00} acct # XXXX
Consumer complaint received 2024-07-09
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. (TX)

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

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 2024-08-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I signed up for Experian 's XXXX over XXXX years ago and connected my payment banks infromation. However recently I received an email from Experian saying that 'My bill had been removed from XXXX '. When I called and finally got thru to a rep, the rep didn't really understand my question as to Why did this happen, and gave me the party line that 'when 3 consecutive payments have been made, it'll show up on XXXX. The issue is that I've been 'Bill Paying ' my rent thru my bank for XXXX years, yet Experian can't answer definitively as to why they took my rent payment off of XXXX?! The more bills you have connected to XXXX, increases your credit score. 

The rep gave me a XXXX XXXX XXXXXXXX and said a rep would be in touch with me. This was over 3 weeks ago and I've heard nothing via phone call, email, etc.
Consumer complaint received 2024-10-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SUN LOAN COMPANY INC. (TX)

I tried to change my phone number online and couldn't. They started calling my daughter for personal and confidential information about me. I never gave them her number, idk how they got it, I never gave them permission to call anyone but me. I want them stopped from this predatory practice.