davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (SC)

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 ACOUNT NAME CKS Prime Investment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  U S Department of Education XXXX XXXX XXXX
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (NV)

I recieved two credit cards from XXXXXXXX XXXX XXXX XXXX, issued by NETSPEND. I never asked for these cards, they were opened without my consent. I have tried to call them using all the phone numbers that I can find on the paperwork ( included with the cards ) and everytime all numbers called say hold on the line and your card will be activated. I DON'T WANY them activated, I did ask for them or want them.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (VA)

Around XX/XX/year>, Citibank placed an account hold on my checking account with no notification to me. I noticed the " account hold '' within a day or so and called XXXX to inquire why my account had been frozen. The main Citibank customer service number was able to verify my identity and confirm all of my contact details.

They then explained to me that the Citibank " wealth management '' team had placed an account hold on my funds. I questioned how this was possible since I had no relationship with the " wealth management '' group at Citibank. The main Citibank number instructed me to call the " wealth management '' team to get the account hold removed.

When I was finally able to reach the " wealth management '' team, they claimed that they had put a hold on my account because I had not verified information with Citibank. This was in direct contrast to what the main Citibank team had told me. The wealth management team then told me I would need to answer their questions or the account hold would not be removed.

The " wealth management '' team claimed they had authority under the Patriot Act to demand this information and proceeded to ask me a series of questions about how much money I had available for investment purposes and how I was currently investing my money. They also verified that they had all of my contact information but claimed it was some kind of oversight that had led to my account being put on hold.

Within a few hours, the hold was removed from my account. 

On XX/XX/year>, my account was again frozen through an " account hold '' by the " wealth management '' group. I was forced to move through the same process again in trying to remove the account hold from my account. 

I do not see how it is proper to have a bank freeze your money until you provide them with information on your investment practices. It appeared to me that the wealth management team was simply using this process to determine if I had enough assets to target me for their services./
Consumer complaint received 2024-04-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (MD)

I request validation of debt based on the below laws : 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty days that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within thirty days, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2023-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NY)

I accidentally overpaid one of my Student Loans by {$11000.00}. Now I am seeing a negative loan balance in my account for the 1-01 Direct Loan - Unsubsidized due to overpayment. I had intended to use this {$11000.00} to pay off my second loan, the 1-02 Direct Loan - Unsubsidized on XX/XX/XXXX. In other words, I paid {$25000.00} towards 1-01 Direct Loan - Unsubsidized when I only had {$14000.00} in debt from this loan. I am owed a refund of {$11000.00} due to this overpayment of my 1-01 Direct Loan - Unsubsidized, and would like to put the refunded money towards my second loan 1-02 Direct Loan - Unsubsidized. I attempted emailing EdFinancial on XX/XX/XXXX, and have called requesting callback on XX/XX/XXXX and XX/XX/XXXX, yet have still not heard back. With all 3 attempts, I was told I would receive a response that never came. The loan repayments are scheduled to begin XX/XX/XXXX, and I would like to have these funds to be able to pay off my loans before that date, to avoid interest accrual. EdFinancial is inundated with customer calls and messages, and is not responding to my request for refund of {$11000.00} overpayment. My EdFinancial account number is XXXX.
Consumer complaint received 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir/Madam I am writing to express my deep concern and disappointment regarding the letter of recent closure of my business credit card, associated with my business " XXXX XXXX XXXX XXXX ". As a longstanding and loyal customer of Chase Bank, I was surprised and troubled by this decision, particularly as there was no apparent reason provided for the closure. 

Since establishing my business in XXXX, I have maintained a flawless record of financial responsibility, both personally and professionally. My business, XXXX XXXX XXXX XXXX, has thrived under the support and partnership of Chase Bank, and the sudden closure of my credit card has left me feeling unsettled and anxious about the impact on my business 's credit profile. 

I want to emphasize that I have always conducted my business affairs with the utmost integrity and compliance with all applicable regulations. There have been no issues or irregularities with my account that would warrant such drastic action. Therefore, I respectfully request that Chase Bank refrains from closing my business credit card and provides me with a detailed explanation for the closure decision. 

The closure of my business credit card not only affects my ability to manage expenses efficiently but also has the potential to negatively impact my business 's creditworthiness and financial stability. As a valued customer, I believe I deserve transparency and fair treatment from Chase Bank, and I trust that you will take my concerns seriously and address them promptly. 

I kindly request that my business credit card be reinstated at the earliest convenience to mitigate any further disruption to my business operations. Additionally, I would appreciate any assistance or guidance Chase Bank can offer to ensure the continued success and prosperity of my business. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days since I haven't heard anything from the credit bureaus. I have unauthorized credit accounts on my credit report that are false Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Consumer complaint received 2024-04-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (NV)

I am not liable for this debt with XXXX XXXX, I do not have a contract with BERLIN WHEELER INC, they did not provide me with the original contract as I requested. I am writing to express my dissatisfaction with your recent attempt to collect a debt from me, account number XXXX, regarding my purported overdue balance of {$570.00} allegedly owed to XXXX XXXX. I have been a victim of identity theft for the past XXXX  years. There have been Fraudulent Items being reported to my Credit Report. The following account BERLIN WHEELER INC ( Account NumberXXXX ), Original Creditor : XXXX XXXX . Date Opened : XX/XX/2024. Balance {$570.00}. I have never had an account with this company. Cease the reporting of the fraudulent item being reporting immediately to all credit bureaus. I am not liable for this debt with XXXX XXXX and I do not have any contract with BERLIN WHEELER INC.
Consumer complaint received 2024-04-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation (TX)

I have been having some recent issues in the past few months with paying this loan that I refinanced with Western Finance back. I have stayed in contact and been honest about my situation. I also did try to do a promise to pay but could not pay again due to some other financial issues. Western Finance has been not been understanding or easy to work with. XXXX & XXXX ( not sure if I am spelling her name correctly ) are rude, I've had an employee threatened to come by my house to collect, which I was told was part of their contract. Threatened that they will call everyday because thats a part of their collection praticies. I've tried to reach out to coporate and received no call back. District manager XXXX has stated that she would help and look into the situation and that's been little to no follow through. And she claims coporate never called her back as well. I just keep receiving more harassing and rude phone calls from employees at the XXXX XXXX location. Everytime I try to explain my situation to anyone that calls it leads to a heated exchange between me and the office and no resolution.
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (GA)

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX. 
Investigation Request Letter Date of Birth : XX/XX/year> ( SS # : XXXX ) To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I.am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can not provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. Type of Account : Public Record : Case Number : Action Requested : Please provide proof that its reporting correctly from the Courthouse and not a third party and delete if anything is incorrect Collection Account : Account Number : Please investigate if every piece of information is correct. If not, please remove it from my credit report. Paid Account/Late Payments : Account Number : Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as " paid as agreed '' I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter. Sincerely, ( XXXX XXXX ).
Consumer complaint received 2023-12-05
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. (FL)

The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (AZ)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX # XXXX OPENED : XX/XX/XXXX XXXX. {$21000.00} XXXX XXXX XXXX # XXXX OPENED : XXXX XXXX. {$1700.00} THE XXXX XXXX ( XXXX ) XXXX OPENED : XX/XX/XXXX XXXX. {$1300.00} XXXX ( XXXX XXXX ) # XXXX OPENED : XX/XX/XXXX XXXX. {$860.00}
Consumer complaint received 2023-12-05
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MI)

Dispute ID XXXX The person that is impersonating Chime first texted my phone on Wednesday XX/XX/year> at XXXX about a {$74.00} XXXX transaction that I did not approve of. In response, I get a text saying that Chime will call me shortly. At XXXX I get a call from XXXX. Chimes phone number so I answer. A man who introduced himself as a Chime customer service representative tells me about how he can help me avoid the {$74.00} XXXX transaction but also XXXX separate {$500.00} transfers that was going to be initiated to someones bank account by XXXX XXXX XXXX. He said that he could help me by having me send the money in my checking to a funds replacement account. He asked me to verify the amount of money in my checkings, savings and credit builder. He said a higher Chime associate was going to send me something through the app in order to ensure my funds wouldnt be stolen. At XXXX I received a money transfer request from XXXX XXXX for {$880.00} for funds replacement. I had many questions like if my password was compromised or who couldve gotten access to my account but he was very interruptive and dismissive of my questions. He urged me that this procedure would protect my funds. I started to send the money to XXXX XXXX but an error prevented it from going through so he told me that another Chime associate would be asking for the funds replacement transfer. At XXXX I received a transfer request from XXXX XXXX for {$880.00} for funds replacement. The instructions for this procedure felt confusing but I followed because I thought I was on the phone with a Chime representative and I wanted to prevent my money from being stolen. He assured me it wasnt going to take the money out of my account. He said it would just put my funds in position to prevent the XXXX {$500.00} transfers that were being initiated. He said once I initiated the funds replacement transfer, I would receive an email from Chime that was going to protect my funds. I unknowingly transferred {$880.00} to XXXX XXXX I assumed he would send the email but it never came and he hung up on me. I then proceeded to call the exact same number, XXXX ( Chime ) trying to figure out what just happened to me and how to get my money back. I was on the phone with Chime for an additional XXXX minutes filing a dispute for this transaction. 
I was scammed because I thought that the Chime phone number was something I could trust. I have attached screenshots of my call log clearly showing Chimes phone number calling me during this scam. I need to have the full {$880.00} refunded to my account as soon as possible. 
Thank you, XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

There is a corporate account on my consumer report that I did not agree to be liable for. In return this account has been reported onto my consumer report. Under the FCRA, this is a violation of my consumer rights pertaining to what I agree to be allowed onto my consumer report. It is also reporting a late payment when the payment was drafted from my account. 

The following account is what should not be reported onto my consumer report : XXXX XXXX - Opened XX/XX/year>