davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (PR)

We opened XXXX accounts with Ally Bank : a personal savings account and a family trust account. XXXX minor deposits and XXXX large deposits were made to each account. The XXXX large deposits were the result of property sales and closings. Thereafter, we attempted to send several wires for the purchase of other properties as well as add a " linked '' account for my brother so we could make payments to him. None of the wires were sent out and the bank account addition caused the account to be flagged for fraud. Both my wife and I then provided all of the documents that the bank required to prove we are who we say we are including our licenses, social security, pictures of us holding our IDs, and utility bills. We did that and the bank, after several lengthy phone calls, is continuing to restrict our access to our money and our account. This is our life savings and they are playing games. They initially told us it could take up to 3 days and now they are saying 30. They will not give us the almost {$1.00} XXXX back. 

We have not only complied with their requests, but have followed up multiple times and have spent hours on the phone only to have no resolutions whatsoever. Today, the customer service representative, in so many words, told us " they would decide what they would be doing with our accounts '' and they sent us to a voicemail box with no other foreseeable resolution. 

We owe money we can not pay and missed two property closings due to Ally Bank holding our money hostage. We just want our money back and to be done with this bank forever. This action on their part is irreparably harming us financially and causing extreme emotional distress.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-10-06
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. (MD)

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 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery, a debt collection is reporting an account over 7 years from the first missed payment that led to the charge-off from original creditor which was XXXX XXXX. Please see 15 U.S. Code 1681c ( c ) that explains the lawful reporting period. Essentially the statute states that the reporting period is based on the delinquency that precedes collection and charge off. The date opened ( when the collection agency assumed the deb ) does not change the date of the start of the delinquency. Based on the before mentioned statute, this collection was supposed to be removed and no further reporting to the credit reporting agencies as of XX/XX/2024. XXXX, XXXX and Portfolio Recovery are both complicit in this false reporting are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Experian These collections were illegally obtained in my name and nonetheless inaccurate and illegal. I have already disputed these items. Please remove these collections and inquiries listed below as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (TN)

I have disputed these " debt buyer '' to validate these debts and they have failed to do so. They did not provide me with binding contracts, receipts or any evidence that I have to pay them. According to 15 usc 1681e ( b ) that anything report must be accurate or it must be deleted. What was provided that everything was certified that is was accurate or updated, how was that done? I requested a reinvestagation but nothing changed. I believe these companies as well as the CRA has violated my consumer rights.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

TransUnion credit reporting company refused to remove. Accounts shown prevent lme from seek. credit. Due to these reports. Clients. Below don't b. these are payin clients to transunion to continue keeping reporting on my credit reporting my scores are horriblesl am being forced to make payments., that doesn't belong to these companies. due to me seeking HOUSING .HOMELESS Theses.companies I have profend that l don't owe any these companies, l refuse make payments on can not .Provide me any information XXXX. I have been constantly denied for credit. Due transunion credit Report SYSTEM companies.names. Showing Below XXXX XXXX auto, fingerhut fetti, fingerhut fresh start. Showing XXXX tthree time on my credit. XXXX. These companies also hired different collecting agencies. XXXX management., XXXX. Other companies requesting same amount money.purposely to affect my credit scores ratin scores due to the on going dispute tranunion that never favour Unverified. My scores low .Inquiries is high l can't recieved XXXX due to these inquiries also denied on XXXX. Due to these companies. ERRORS Names doesn't match shown on the account nor these companies can not provide me. Any History payments made on the accounts XXXX XXXX information came from off credit reports who known for placing fraud accounts on people records XXXX finger hut. Was reported fair reporting division XXXX had identical complaintsWhom sold the accounts XXXX manerment .Who can't provide records showing Blank forms. Which isn't showing payment history. accounts been I have attached records below police reports blank pages no records. Information thief alert fraud insurance
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report.

Provide written confirmation that these items have been removed.

Conduct a comprehensive investigation into how these accounts were erroneously reported.

Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity.

XXXX XXXX
Consumer complaint received 2019-04-25
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. (TX)

recently reviewed my credit file and found an account reporting in error. I contacted all three credit bureaus and disputed the inaccuracy. The account was removed by XXXX and XXXX but Experian has yet to remove the item or provide method of varication. I have sent the attached results from the Experian investigation showing the account was investigated and removed. By law, under the FCRA, all information found to be inaccurate from either credit bureau must share their finding with all other bureaus and that information must be removed
Consumer complaint received 2024-06-04
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. (HI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Freedom Mortgage Company (VA)

Freedom Mortgage Loan XXXX XXXXXXXX The loan payoff was XXXX XXXXXXXX which is supposed to be at XXXX XXXX to payoff this criminal organization called freedom mortgage and XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX. I have been fully XXXX permanently and total as a XXXX XXXX XXXX XXXX and have been taken advantage of by all three of these mortgage companies while using my XXXX against me. I have been trying to get my daughter who is XXXX XXXX XXXX in a home with her own room and these XXXX companies have destroyed my credit, emptied my bank account, taken advantage of me, never solved anything with solutions, just problems. They never even asked to put me into a better situation for my daughter and I while I fight my illnesses being fully XXXX and being XXXX not stupid. I fought hard for this country and my daughter who is XXXX XXXX XXXX deserves better than this. These mortgage companies have destroyed my credit and drained my bank account putting me in interest only payment when I qualified for a XXXX year fixed paying the same price for XXXX  months for a XXXX year interest only and now they want me to pay them off more than they should. XXXX XXXX is waiting on the payoff and freedom mortgage is holding it off and increasing and altering their number to increase the fees for payoff same thing XXXX did and still destroying my credit when I have XXXX debt. I have been unable to pay down my mortgage more during the 11 months. They put me through the mill and sent me to different departments in their companies and none of them came with solutions time and time again and told me lies and hung up on me lying to take more money from a disable person which is a felony in all states. They never let me streamline into a better situation without some lie or way to say I don't qualify while they keep my credit score down under XXXX so I couldn't go anywhere else to shop, which is also illegal. I finally found XXXXXXXX XXXX and so far they are treating me better and hop [ ing I can finish my refinance with this company who is helping me and not taking advantage of my XXXX which is a felony in all XXXX states of the United States of America. I am XXXX not stupid. I respectfully request an investigation regarding my credit reporting with all three mortgage companies as well as the fees and illegal handling of money against a fully disable person. I have not got anywhere with any of these XXXX companies XXXX XXXX, Freedom Mortgage and XXXX XXXX and their illegal activity of reporting me on my credit after account closed and still won't close my account and destroying my credit so I can't get credit card or anew mortgage that will better my situation for my daughters future.
Consumer complaint received 2024-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current (NJ)

On August XXXX XXXX  someone hacked my Current App account and stole $ XXXXin XXXX  of small transactions ( $ XXXX ). They used the XXXX XXXX and XXXX XXXX XXXX app ( neither of which I have ever opened or used ) to steal the money I immediately contacted Current and after their alleged " review '' they lied and said that all of the transactions were authorized by me and they didn't owe me any money. 

The name showing on those unauthorized transactions was a criminal using the name XXXX XXXX. 

I have attached a sample listing some of the XXXX  of unauthorized transactions and a sample response from them denying any obligation to refund me for the theft.
Consumer complaint received 2024-06-02
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. (IN)

XXXX XXXX hard inquiries, XXXX XXXX XXXX Reported : XX/XX/XXXX - {$3300.00} Needs Attention. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$770.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$1100.00} Needs Attention XXXXXXXX Inquiry :, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - XXXX XXXX ( XXXX ) XXXX. XXXX, XXXX, XXXX XXXX XXXX Reported :
Consumer complaint received 2024-08-31
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)

Hello I have multiple unauthorized hard inquiries I placed fraud alerts on my credit and contacted each credit bureau and they stated they do not have my information or I never submitted a application or had a account with them but when I try to contact the 3 major credit bureaus ( XXXX, Equifax, and XXXX ) they state they can not dispute without deletion from the reporting agencies. My credit was compromised between XXXX current of fraudulent/unauthorized activity, here is the current list 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-25
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: Bread Financial Holdings, Inc. (NJ)

This letter is being sent to you in response to the phone conversation which took place on XX/XX/year> ( XX/XX/year> ) regarding account # XXXX Be advised this is not a refusal to pay, but a notice sent to pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested with evidence that I have any legal obligation to pay you, including the following documentation : XXXX. Agreement with the creditor that authorizes you to collect on this alleged debt. 

2. The agreement bearing my signature stating that I ( XXXX XXXX ) have agreed to assume the debt. 

3. Valid copies of the debt agreement stating the amount of the debt and interest charges. 

4. Proof that the Statute of Limitations has not expired. 

5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that you are licensed to collect in the state of XXXX XXXX, and your license numbers and Registered Agent. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action May constitute fraud under both Federal and State Laws. 

Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your company for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX I got no response within the 30 days. I checked my credit report on XX/XX/year>, and this company has now placed a charge off in the amount of {$6500.00}. As of XX/XX/year>, my credit report is displaying this charge off. I have been disputing it with all three credit bureaus, XXXX, XXXX, and XXXX. I've been disputing this with the bureaus for over three years. I never opened or signed for a ComenityCaptial/AAAXXXX credit card ending XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (AZ)

I have been trying to get a copy of my report mailed to me for over three years! This company has yet to send me one! There is inaccuracies on my report. I also need to unfreeze my report! Everytime I call the representative hang up and I'm on hold for over hours.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (NJ)

Chime has chose to discriminate against me, mislead me, on numerous instances provided false and/ incorrect information, condoned and enabled disrespectful and violent behavior from their customer support representatives, and ultimately, repeatedly refused to investigate my disputes involving fraudulent and unauthorized transactions, issues with Account Security and Identity theft via their platform. 

I have been submitting dispute after dispute over the last 8 months since my account and privacy was breached via XXXX XXXX Banking XXXX. I have been carefully documenting all communications in regards to this and have always been met with shady and sub-par customer service as well as blatantly discriminatory and disrespectful patronizing behavior from their often rude and redundant staff. More often than not, I have to wait at least XXXX minutes each phone call to reach someone from Chimes call center and many times its often ill-informed associates who refuse to do their jobs or remain transparent and open in their communication, almost always leading to a misunderstanding. 


The bottom line : My XXXX Rights have been violated on numerous occasions in my pursuit for fair treatment, a thorough investigation and prompt resolution to the very clear concerns I voiced over the past 8 months. As recent as Today, XX/XX/year>, Chime has informed me that my Dispute has been denied, claiming that No Error Occurred or was found when I have repeatedly voice concerns that I was affected via their platform of identity theft and fraud and my funds were slow-siphoned over months, I will provide as many of the communications as possible, I am seeking mediation and a crediting of the full amount of the claim at this point as well as the necessary chargebacks being filed, they have lied on numerous occasions saying they filed chargebacks but produced no such documents or information that shows any coordination with any merchants. They are also claiming to be a financial technology company and not a bank and do not have to adhere to regulation E and Z yet have a dispute process that resembles this exact policy being used. They are indirectly condoning cyber theft and fraud and silently enabling such behavior via their platforms.