davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern, I am writing to formally dispute and request the investigation and correction of inaccurate and incomplete information appearing in my credit reports. This request is made under the Fair Credit Reporting Act ( FCRA ), which mandates the correction of any inaccuracies or the deletion of any information that can not be verified. 
XXXX XXXX XXXX  Summary of Disputed Information XXXX. XXXX XXXX XXXX Accounts : XXXX XXXX Account Numbers : XXXX - Discrepancies : - Listed as charge-offs with varying past due amounts and payment histories across different reports. 
- Account Balances : {$93.00} and {$35000.00} respectively for the two accounts. 
XXXX. XXXX XXXX : ** - Account Number : XXXX - Discrepancies : - Reported with inconsistencies in the last payment date and the reported charge-off statuses. 
- Account Balance : {$4500.00} XXXX XXXX XXXX  Specific Issues and Required Actions : - **Inaccuracy in Account Statuses** : All accounts are reported with differing delinquency statuses and charge-off information. This information is inconsistent and misleading, affecting my credit unfairly. 
- **Payment Histories** : There are discrepancies in payment histories reported, with some months incorrectly marked as delinquent or not reported at all. 
- **High Balances and Credit Limits** : Reported high balances and credit limits do not match my records and show significant variations across reports. 
I am requesting the following actions be taken : - **Verify** all information with the creditors. 
- **Correct** any inaccuracies found or **delete** the information if it can not be verified as accurate. 
- **Provide me with updated credit reports** along with the documentation that supports any changes made. 
Under the FCRA, you are required to complete this investigation within 30 days of receipt of this notice and to notify me of the results in writing. 
Please ensure that the necessary corrections are made to my credit reports. If these inaccuracies are not resolved, I will consider further actions to protect my rights. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CA)

Marcus by Goldman Sachs closed my savings account on XX/XX/year> without any notice whatsoever. I have had the account for more than 1 year with XXXX issues. I have been trying to call the customer service number several times including 2 hours on XX/XX/year>. I have more than {$80000.00} in the account. I asked for one of 2 things : ( 1 ) either re-instate my account; or ( 2 ) send me my money back. 
They keep routing me to different departments within Marcus by Goldman Sachs. I can't get them to simply just re-instate my account or send me my deposit back. They keep telling me to call them back after 3-5 days every time I call them. 
They won't even tell me why my account was closed either ; I am a very law abiding citizen, so there is zero chance of fraud or misrepresentation. So I am assuming it's just a simple mistake on Goldman Sachs end ; yet I am the only being harassed/punished. 
I really need these funds urgently since I am about to buy a property but now I dont have access to my own deposited funds.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (TX)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IL)

A casino had XXXX withdrawn from my account and I didn't make these withdrawals. I contacted chime and they closed my dispute withing XXXX hours. No investigation was done because I called the casino and got the atm merchants number and they said chime never contacted them about this. I'm shocked and will end up changing banks because of this lack of investigation.
Consumer complaint received 2024-07-08
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: TrueAccord Corp. (FL)

We haven't received your scheduled payment. Did something change? 

Hi XXXX, We know life happens, and sometimes bills can slip through the cracks. 

That's why we have plans that can fit your situation. Please review and make your payment towards your {$270.00} balance with XXXX XXXX XXXX ( current creditor of your original XXXXXXXX XXXX XXXX  XXXX. account ). Stay on track with a payment plan and make payments that work for you. 
You can also click here to make your payment and get back on a recurring plan. 

MAKE A PAYMENT Your plan # Date Amount Status XXXX XX/XX/year> {$120.00} Paid XXXX XX/XX/year> {$120.00} Paid XXXX XX/XX/year> {$120.00} Unpaid XXXX XX/XX/year> {$120.00} XXXX XX/XX/year> {$34.00} We haven't received your scheduled payment. Did something change? 

Hi XXXX, We know life happens, and sometimes bills can slip through the cracks. 

That's why we have plans that can fit your situation. Please review and make your payment towards your {$270.00} balance with XXXX XXXX XXXX ( current creditor of your original XXXX XXXXXXXX XXXX XXXXXXXX. account ). Stay on track with a payment plan and make payments that work for you. 
You can also click here to make your payment and get back on a recurring plan. 

MAKE A PAYMENT Your plan # Date Amount Status XXXX XX/XX/year> {$120.00} Paid XXXX XX/XX/year> {$120.00} Paid XXXX XX/XX/year> {$120.00} Unpaid XXXX XX/XX/year> {$120.00} XXXX XX/XX/year> {$34.00} I did not make this payment last month to a local business and the customer service at the local public storage and regions bank think because this is a starter account, I do not know how to manage a check book and I would like for a law agency to look at this because I have had identity theft over the last 4 years and these people are trying all kind of scams. 

Because I paid one bill first they are moving money around in my account and not assisting me at all. Actually, I would have already brought this to the attention of the Local Police and now I am referring this to the Agency In Charge Of these State Funds, and federal funding. I don't need that type of assistance. The employee is too persistent about me coming into that office and my items have been there for some years now and this has been happening since XXXX started working there. 

NOW I AM NOT A COP OR THE SMARTEST PERSON IN THE COUNTY BUT IF I AM HOMELESS OUTSIDE AND I HAVE A STORAGE UNIT AND THE KEYS ARE STOLEN AND I NEVER COME TO THE UNIT BUT JUST PAY ONLINE? I SKIP A PAYMENT AND ALL OF A SUDDEN MY THINGS ARE IN AUCTION STATUS IN ONE MONTH, NOW SOUNDS LIKE SOMEONE IS TRYING TO COMMIT A CLEAN CRIME AND I AM NOT WITH THAT.
Consumer complaint received 2024-07-11
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: Chime Financial Inc (NC)

My chime card was stolen XX/XX/2024 Claim Amount : {$3700.00} and Claim ID : XXXX with chime. i reported to them and tried to get my money back but they denied me after 2 business days they told me I would receive provisional credit back but they didnt give it to me. I even filed a police report. Still waiting on my money but no one has reached out to me so they decided to closed my account! Please help me out here
Consumer complaint received 2024-07-16
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. (TX)

" I reviewed my consumer report and informed your agency on XX/XX/2024 about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-06-20
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. (IL)

To Whom It May Concern, I am a victim of identity theft. Please help me with the removal of the following fraudulent inquiries from my Equifax credit report : XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX I have already sent a request to Equifax asking to remove the inquiries. However, they declined my request. 

I have no connection to these companies and have never sought any form of credit or financial services from them. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute inaccurate or fraudulent information on my credit report. 

I have submitted XXXX report. Please find it in the attachments, along with other documents. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (LA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (TX)

Westlake financial was sent a letter regarding incorrect and inaccurate reporting to my credit report. They are falsely reporting 60 days late on XX/XX/year> to which I alerted them of. The company dismissed the issue stating the information is accurate even though the information is clearly available in previous statements. I have attached a copy of my XXXX credit report, a copy of the letter sent to several Executive employees as well as their negligent response.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-07-11
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (GA)

So heres the situation. XXXX The apartment complex I stayed in, XXXX XXXX, had an energy problem that was running my light and water bill over {$500.00} a month. My water bill was included in my rent ( {$800.00} at the time with water like {$850.00} XXXX ), so my rent was coming out to over {$1400.00} a month. I complained to management consistently and nothing was done. I maybe paid that rent a good 3 or 4 more times than I got in contact with the XXXX. After contact, the leasing office credited me 3 months rent free and took the light bill out of my name until they fixed the problem. He also told me to continue to pay my I had XXXX  XXXX to perform an energy audit and they discovered that the water heater was running 24 hours none stop and also found a nail jammed inside the AC unit and said it wouldnt work without the nail which also made my air conditioner to run none stop as well. I have documents to prove this claim. So while the light bill is in their name, it took them maybe over a year to fixed the problem so it accumulated to over {$16000.00}. Now every other month management changed so I have to explain the situation over and over to new people up until I received a letter stating if I leave by XX/XX/XXXX they wont apply the amount to my credit report. Now at that point I was ready to leave any way because I didnt want to have to keep fighting so I left as they insisted. Next couple of months after I was hit with a collection {$16000.00} from XXXX XXXX XXXX.
Consumer complaint received 2024-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am repeatedly getting harassed by this company, Portfolio Recovery Inc. I told them to leave me alone and to stop calling me because I never had the account they're claiming I have and owe. I filed an identity theft report with all 3 credit bureaus and they removed it immediately. This company is still calling and mailing me. I don't know why they're continuing to harass me. It needs to stop.
Consumer complaint received 2024-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (NE)

I recieved a calyl from REVCO. The agent on the phone was very rude and demanding payment and my social security number to which I was not going to provide. I asked that they send proof of claim and all they sent was a demand letter asking for payment. All it says is I visited the hospital. When I go online to the hospitals XXXX  there are no visit records and the hospital says I need to call RevCo ... .Revco says I need to call the hospital. I am stuck in a loop where I am told I owe a bill but no one can tell me what it is for or why I owe it. I dont even have an insurance XXXX  for these bills detailing any charges whatsoever. REVCO is saying I owe $ XXXX and $ XXXX but wont provide any details as to what it was for ... No listing of charges or anything. The person on the phone continued to demand I pay her via credit card even after several questions to which she would not answer. She was also demanding my SSN which how they got it has me very concerned. When I try to go to REVCO website on the form to get further information, and I enter the information on the form, I enter the required info and it says I do not exist, which leads me further concerned.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northstar Location Services, LLC (GA)

North Star contacted me in a letter on XX/XX/year> stating that North Star didn't purchase this account from XXXX but i have a letter in my possession from North Star dated XX/XX/year> that says otherwise. NorthStar requested me to pay money i do not owe them. NorthStar Location Services LLC purchased my information from XXXX which is identity theft. NorthStar stated in the letter that XXXX XXXX XXXX received an account in my name with a XXXX balance with a payment of only XXXX which is a deceptive practice because i never had a binding contract with XXXX or NorthStar. I am owed {$1000.00} for this violation per the FCRA.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

XX/XX/XXXX in the amount of XXXX $ XX/XX/XXXX in the amount of XXXX $ XX/XX/XXXX in the amount of XXXX $ XX/XX/XXXX in the amount of XXXX $ Ive disputed these accounts several times and theyre keep coming back as accurate. But because my XXXX was in a data breach I feel these negative items should be removed from XXXX and XXXX because of the data breach.
Consumer complaint received 2024-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc. (FL)

On XXXX/XXXX/2024 ... I send XXXX dollars to XXXX XXXX.by a wrong email ... I have lost tge XXXX dollars And no respond aborto tge money The Just jeep telling me the it is on the last step ... .and has been a month ... TapTap Send is the company ... What to do at this point?
Consumer complaint received 2023-06-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MI)

I am writing to address a serious matter regarding the collection activities undertaken by Dept of ED NELNET regarding an alleged debt. I hereby demand that you immediately cease and desist all communication with me, including any attempts to collect the debt or report it to credit bureaus. I also request a thorough validation of the debt, as your current collection efforts lack proper verification and infringe upon my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
It has come to my attention that you are claiming to be the creditor or authorized collector of a debt allegedly owed by me. However, you are not the original creditor, and I have received no evidence or validation that substantiates the validity of this debt. In accordance with the FDCPA, I have the right to request and receive verification of the debt, including information about the original creditor, the nature of the debt, and any supporting documentation. Until such validation is provided, your attempts to collect on this debt are unwarranted and in violation of my rights. 
Furthermore, your possession of my personal information without proper validation raises concerns about the handling and accuracy of my consumer report. I have discovered inaccuracies on my consumer report that reflect negatively on my creditworthiness, resulting in denials of credit applications. These inaccuracies are damaging my reputation and causing significant harm to my financial well-being.
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I have been a victim of identity theft for a couple years now and my wallet was stolen with my social security card and Id and credit cards. Someone has opened up a fraudulent items in my name and does not belong to me. It is now reporting to my credit and it is fraudulent. The following account : LVNV FUNDING -Original creditor : XXXX XXXX XXXX XXXX  ( Account XXXX : XXXX ), Date Opened : XX/XX/year>, Balance : {$1000.00}. CEASE the reporting of all fraudulent items immediately. I am not liable for this debt with XXXX XXXX XXXX XXXX. and I do not have any contract with LVNV FUNDING LLC. I have attached a copy of my ID and a copy of my FTC report. ( Please see attachments ).
Consumer complaint received 2023-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SoLo Funds Inc. (FL)

In XX/XX/2023 I allowed Solo Funds the ability to verify my personal XXXX  with XXXX XXXX to transfer funds to/from my XXXX  with my authorization. On or around XX/XX/XXXX, Solo made 2 unauthorized micro-transfers ( less than {$0.00} ) into my XXXX  which violates Reg E. I have emails to Solo trying to rectify this issue but Solo has pretended to not receive any of my emails. They refuse to confirm why they transferred funds into my XXXX  without my authorization and identify exactly what happened. I am concerned that my information has been compromised by Solo and that Solo is utilizing my XXXX  without my consent.