davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AZ)

On XX/XX/XXXX I had filed another dispute with a chime mobile app banking of {$14000.00} so the XXXX of XXXX they denied all transactions but XXXX so all approved XXXX transactions had totaled out to be XXXX and some change but I only had received XXXX transaction amount was {$190.00} so I'm missing {$200.00} then I had reopened the whole bottle for the denied transactions I've been calling since the XXXX about this of not receiving full funds and also I had filed a dispute back in XX/XX/XXXX they got approved on XX/XX/XXXX all approved transactions were supposed to be a total of XXXX and some change I only had received XXXX so everyday I've been calling them about this because I haven't heard anything from him like they say that they're going to turn it over to the escalating team I will hear back from them by email within XXXX hours and the funds will be in my account I haven't done it I got in the notification today from the bank stating that they're closing my account by XX/XX/XXXX don't know why that's all I have gotten so I called they can't even explain to me why so I called and told him about the money missing money I've had once again and I'll send it over to this game out here in XXXX hours and I'm also been waiting to hear back why are they closing my account I don't think it's fair that they're going to close my account for something I haven't even done when it's them or having nothing but problems with what they say they don't do and they've had let this person taking all this money from me and they allowed it they didn't verify who it was or anything this person had numerous in contact with someone there I've went over to my bank statements there's been disputes there's been another account changes everything and so on but they still allow this person still take my money and now it seem like they're not willing to help me get my money back at all they keep playing around they say they approve transactions they approve them but they don't give me the funds
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/2019, I filled out an online application for a Lowes credit card. The website directed me to call in to complete the application and provided a reference number : XXXX. When I called in I was asked for my physical address since I provided a PO Box for the application and the financial institution is required to have a physical address on file. I provided my address but emphasized that there is no mail delivery at the address and that my PO Box would need to be used for everything - the physical address is only for their records. The representative said he understood. After he ran my credit he said my application was denied and that they would be mailing me a letter with the reason. 
On XX/XX/XXXX I received an email asking me to click on a link, provide my reference number, and verify some personal information to access the response. I was able to provide the information and authenticate but the page that came up was blank ( I was accessing it from my mobile device as I do not have another computer ). I found a computer I could use to access the letter and it said I was declined because the address provided did not match my credit report. 
On XX/XX/XXXX, I called them back to ask if they could rerun my credit using my PO Box . Since I don't get mail at my physical address it doesn't appear on my credit report anywhere and can not be verified that way. After speaking with a supervisor I was informed that federal regulations require that they be able to verify my physical address, and that they can only do so using a credit report. 
I find this to be a discriminatory practice. People living in rural areas who do not receive mail at a physical address are disproportionately affected by requiring that their physical address be available on their credit report when creditors report information using the address they mail statements and notices to. Also, a consumer has very little control over what a creditor reports to the credit bureaus, and no way besides a dispute to add or update information that the credit bureaus have on file. 
In short, I don't get mail here, I can't tell the credit bureaus that I live here, my creditors don't provide my physical address to the credit bureaus, and Synchrony Bank won't validate a physical address by any means other an inquiry to the credit bureaus. I have been denied credit because I live in a rural area and don't have mail delivery at home.
Consumer complaint received 2024-07-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (MO)

Federal law states Reg. F 1006.34 requires disclosure of validation information at the first collection contact, or within five days of the initial communication, including an itemization of certain debt components, the name of the debt collector and the creditor to whom the debt is currently owed, instructions to dispute the debt, and disclosure of other consumer rights. 

Rent recovery solutions refuses to provide information that this account belongs to me. 

XXXXXXXX XXXX acknowledged they have no information or records of the collections account.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (IL)

i recived a copy of credit report and i noticed one account on my credit file that not mine i never applied for and needs removed from my account listed the account XXXX XXXXXXXX, XX/XX/2023 {$430.00} ( XXXX ) XXXX can you please remove all the enquiries
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CT)

I was charged I believe XXXX or {$30.00} from PayPal incorporation on my checking account from XXXX under XXXX XXXX card ending in XXXX and I dont know why and I dont understand and I want my money refunded. I didnt authorize this.
Consumer complaint received 2024-07-31
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. (LA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-02
Product: Credit 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: AMERICAN EXPRESS COMPANY (CT)

Police Report ( Case # XXXX ) and FTC Identity Theft Affidavit ( Reference # XXXX ) are attached. 

From the filed police report : Subsequent to the incident outlined in Report # XXXX, there is an additional fraudulent charge of {$10000.00} on AMEX card ending XXXX. The transaction took place through XXXX and the money was sent to an individual ( XXXX XXXX - XXXX ). The transaction was categorized under 'Consulting Services ', however I never spoke to XXXX XXXX XXXX received any products or services from this person. Additionally, according to the transaction ( XXXX ), the 'Ship to " recipient is XXXX XXXX XXXX XXXX and the address is listed as XXXX XXXX XXXX, XXXX XXXX XXXX Ml XXXX. The demographic information differs significantly from my own and I have no association with either this person or address. As a result, please update Report # XXXX with this XXXX credit card breach as I'm confident it is related to the original incident on XX/XX/year>. 

Reporting agency XXXX Police Department XXXX XXXX XXXX XXXX, WA XXXX Ph : XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. It shows XXXX payment on an account that was actually paid on time. Consumer reporting agencies must report all information accurately, and this account has not been late on payments. 

I have attached a copy of my report to this complaint, highlighting the incorrect date of XX/XX/2020. I request that you investigate this account and immediately update these payments to reflect that they were paid on time, as it is reported on time with XXXX but not Experian. 

Thank you for understanding and taking the time to take action.
Consumer complaint received 2024-07-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WLCC (IL)

Subject : Complaint Regarding Fraudulent Loan, Harassment, and Failure to Provide Documentation I contacted the company on XX/XX/year>, regarding an alleged loan in my name. The representative could not provide a contract and provided me with an email address and bank account that are not mine. Upon reviewing my accounts, no deposit matching the alleged loan amount was found. I informed the representative, who promised to reverse the funding and cancel the loan. 

Since XX/XX/year>, I have received up to 15 phone calls daily and numerous text messages regarding this alleged loan. On XX/XX/year>, I spoke with XXXX XXXX and reiterated that this is fraudulent, and I have no affiliation with Explore Credit or any loan from them. After a lengthy discussion, XXXX assured me the loan would be reversed and funds deleted. 

Despite assurances, I have not received any loan agreement or documentation after numerous requests. Moreover, I continue to receive harassing calls ( an additional 10 today alone ) and numerous text messages demanding personal information to verify my identity, despite my repeated statements that I do not feel comfortable sharing any information due to the fraudulent nature of this matter. 

This ongoing harassment and the failure to provide any loan agreement or documentation have caused significant distress and inconvenience. I urgently request the FTC 's intervention to resolve this matter promptly. 

Thank you for your immediate attention to this serious issue.
Consumer complaint received 2024-07-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstCredit, Inc. (OH)

XXXX XXXX is attempting to collect a debt via debt collection company, First Credit FCI : ( XXXX ) XXXX, reference numbers XXXX and XXXX. 

National average for the procedure performed is around {$1000.00} which is approximately what was charged. There was an additional charge, however, for over {$5000.00} for the use of the room. This is reminiscent of scams in XXXX and XXXX XXXX. 

This is ridiculous. 

This procedure was performed in an XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (MS)

I am not liable for this debt with XXXX XXXX. I do not have nor signed a contract with the collections agency. They did not provide me with the original contract and violated 50 U.S. Code 3956 - Termination of certain consumer contracts as I am an XXXX XXXX Service Member.
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc. (FL)

Hello, I got sued and more than 50 % of my paycheck was taken to settle a XXXX XXXX Credit Card that did not belong to me. It was taken out with XXXX social on XXXX of XXXX and during that weekend I was in the hospital. Therefore I could have not used the card. Nonetheless, there are XXXX cards under my name and social from XXXX XXXX. I reported it but it went into collections in just XXXX month of none payment after XX/XX/XXXX. The day I stopped working at XXXX. I say this because ironically my information was stolen of my mental health in XXXX of XXXX. Yet, for some odd reason my identity was stolen either before or after this incident. I only assume that it was before I had won or better yet, before they found out who I was in XX/XX/XXXX. Then in XX/XX/XXXX I approved I belonged in the Supreme Court. I am unsure of what happened but I will not stand for getting sued and my name slandered and libely used. Judges, lawyers, the government, specially the authorities have to know the facts before they proceed legally against someone. How can you not notice XXXX cards from the same company under the same social? Then have the audacity of taking me to court and not even using my correct name. I am so disappointed in our justice system. I was a young girl who wished to be part of this system and help the people but man they or whom ever it is has none stop trying to destroy me. Not even hiding it but its a slap to the face seeing all the evidence and not even the police taking action. Im a citizen of the USA and deserve the same respect and help and freedom as everyone else.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Corp Solutions Inc. (DE)

Re : Demand for Debt Validation for Account Number : XXXX Dear Credit Corp Solutions Inc., I am writing to you regarding the above-referenced account number. I have recently been contacted by your company regarding a debt that you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you provide me with full validation of this debt.

To be clear, I am requesting that you provide : Verification of the debt A detailed account statement and a complete payment history to substantiate the amount claimed. 
Documentation proving your legal right to collect this debt Copies of the original creditor agreement and any relevant assignment or transfer documents. 
Proof of ownership Evidence that you have been legally assigned the right to collect this debt, including a copy of the assignment or sale agreement from the original creditor. 
Until I have received this documentation, I do not acknowledge any debt to your company. Furthermore, I request that all collection activities cease and desist until this debt has been properly validated. 
If you fail to provide the requested information within 30 days of receipt of this letter, I will consider this matter resolved, and any further collection attempts will be regarded as harassment and a violation of the FDCPA. 
I am also informing you that any negative credit reporting that may have occurred during this period of dispute will be contested with the credit bureaus unless the debt is validated to my satisfaction. 
Please send the requested information to my address at your earliest convenience. I look forward to resolving this matter promptly and amicably.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

I have received a copy of my credit report and you are claiming I have an account with your company or I owe your company a debt. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you. Also because you are a third party collector, you have no permission to furnish any information on my credit report initially. The law clearly states that before you collect any information about me, you have to get my authorization to access my credit report for any reason. You didn't do that, there is no way I would ever give a slimy collection company permission to slander me on my credit report. 
Now, I am also exercising my right under the FDCPA to dispute the alleged account and demand validation from your company. I'll break it down very easy and simple for you, but if you fail to provide every single thing I request from your company, you will be required to cease all collection activity immediately. Notify me in writing that you indeed are ceasing and deleting all information you have furnished to any and every one of my credit reports from every single credit repository to which you have submitted this unverified and un-validated information. This is requesting PROOF OF CONTRACT to substantiate your claim. Therefore, you need to provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specifically Naming LVNV FUNDING LLC as an entity entitled to enforce a commercial claim, you do not conduct commerce against me.
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Im in the process of purchasing a house and this debt is preventing me from doing so. I dont have a contract with this company nor have I ever done business with them. Please have them remove their collection from my report. Thank you for your help in advance.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX Subject : Notice of Disputed Debt and Request for Compliance with Consumer Protection Laws I am writing to formally dispute the accuracy and validity of a debt reported by your agency, XXXX, and to notify you of potential violations of consumer protection laws. The details of the accounts in question are as follows : TransUnion : Date Opened XXXX, Date of Last Activity XXXX XXXX : Date Opened XXXX, Date of Last Activity XXXX XXXX : Date of Last Activity XXXX The original creditor is listed as Georgia XXXX XXXX. 

Violations of Consumer Protection Laws : Fair Credit Reporting Act ( FCRA ) Violations : Unverified Accounts : According to the FCRA, credit reporting agencies are required to verify the accuracy of any disputed accounts within 30 days. Despite my previous dispute, XXXX and XXXX have not verified the account. This failure to verify and update the status of the disputed account violates my rights under the FCRA ( 15 U.S.C. 1681i ). 
Fair Debt Collection Practices Act ( FDCPA ) Violations : Validation of Debt : Under the FDCPA ( 15 U.S.C. 1692g ), upon my request, you are required to provide validation of the debt within 30 days. To date, I have not received sufficient validation from XXXX regarding the debt associated with Georgia XXXX XXXX. 
False or Misleading Representation : The inconsistent reporting dates across different credit bureaus suggest potential inaccuracies and false representation of the debt, which is a violation of the FDCPA ( 15 U.S.C. 1692e ). 
Actions Required : Immediately cease all collection activities until this matter is resolved. 
Provide written verification of the debt, including the name and address of the original creditor, the amount of the debt, and evidence that I am legally obligated to pay. 
Notify TransUnion, XXXX, and XXXX to delete the disputed account from my credit reports until proper verification is completed. 
Failure to comply with these demands may result in legal action to enforce my rights under the FCRA and FDCPA. I expect a prompt response to this letter within 30 days, as mandated by law. 

Please be advised that I am documenting all correspondence and retaining all records for my protection. If you have any questions or need additional information, you may contact me in writing at the address provided above. 

Thank you for your immediate attention to this serious matter.
Consumer complaint received 2024-06-04
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 1

5 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 2016-09-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (MI)

I called XXXX XXXX XXXX to inquire about getting my daughter phone service at her address- in my name. After taking all my information the young man I spoke with informed me the service I was inquiring about was not available in her area. I thought that was the end and then I started getting bills from XXXX XXXX XXXX addressed to me at my daughter 's address. Eventually the bills started to come to my home address. After several contacts with XXXX XXXX XXXX and explaining I had not had service from them ( at MY home address ) in over 20 years I received paperwork explaining I was released from owing that bill. Now I am getting calls from this company AFNI saying I owe them that amount even though I never owed XXXX XXXX XXXX. I never owed XXXX XXXX XXXX and have no idea why I owe these people who call me continuously and persistently