davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NC)

The companies, along with the credit reporting agencies, are knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO. 

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a XXXX  XXXX member of this company put this information on a signed and notarized affidavit under penalty of perjury.

Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o. 

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so.

Thank you for your help in protecting my federally protected consumer rights.
Consumer complaint received 2024-05-28
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Amscot Corporation (FL)

I took out a short-term with this company in XXXX due to emergency bills and gas money needed, I was not able to repay the loan due to employment issues, I tried to get a loan with them in XXXX and I was told that I owed a {$220.00} balance. I have no income, no unemployment benefits and NO OTHER RESOURCES. In addition this debt is PAST THE FLORIDA STATUE OF LIMITATIONS AS THEY DO NOT ALLOW ANY DEBTS OVER XXXX XXXX XXXX TO BE COLLECTED OR ANYTHING. SO THEREFORE THEY ARE REQUIRED TO FORGIVE THIS DEBT OR OTHERWISE I WILL SUE FOR {$5000.00} FOR FINANCIAL AND EMOTIONAL DURESS AND EVEN WHEN I HAVE SECURED EMPLOYMENT I WILL BE FILING BANKRUPTCY AS MY INCOME WILL NOT SUPPORT ANY DEBT REPAYMENT.
Consumer complaint received 2023-11-19
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. (CA)

These inquiries are unauthorized and they are not related to any transactions by me. 
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 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

XXXX. DEPT OF ED / XXXX ( {$39000.00} ) Account XXXX Q Date of first delinquency is missing? 
Date of letter XX/XX/2023
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

A supposed bank calling itself " XXXX  '' keeps emailing me. I believe the bank has a predatory practice of falsely claiming that individuals have opened an account with them in order to get individuals to respond and interact with the bank. 

They keep emailing me again and again. 

I believe this is predatory behavior rather than inadvertent because when I XXXX the company many other Americans have received the same emails pretending that we are clients with them in order to initiate contact with us. To what end, I do not know.
Consumer complaint received 2024-05-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN FAMILY FUNDING GROUP Inc. (AR)

What I need help with was not listed. I had a 20 year term life insurance policy with American Family Insurance in XXXX, Il. which ran out of time last XXXX. I told them to cancel the policy when they contacted me about continuing with the much higher rate. I told the woman I did not want it and thought that was that. I was very clear that I wasn't paying an extra {$100.00} a month, that is what I told her. Apparently they were not ready to cancel and kept charging me for another ten months. For the entire 20 years I got a receipt every month in the mail... Not so for the last year. It seems deliberate. All I want is my premiums back for the last ten months.
Consumer complaint received 2024-01-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IA)

As provided in the prior response from Aspire/Iowa Student loan ( see below ) they provide various reasons and dates of payments on accounts in reference to statute of limitation. However, as you will see in the attached account statements for each account the information provided by Aspire/Iowa Student Loan is not factual as it relates to the last payment made/date on each of the loans in question. 

XX/XX/XXXX Loan has a last payment date of XX/XX/XXXX ( had a balance of {$2400.00} ) XX/XX/XXXX Loan has a last payment date of XX/XX/XXXX ( had a balance of {$8000.00} ) XX/XX/XXXX Loan has a last payment date of XX/XX/XXXX ( had a balance of {$9900.00} ) As you can see, in comparison to the inaccurate information provided by Aspire in their XX/XX/XXXX statement- they are not practicing the " law '' that they reference in their response. They are purposely damaging my credit and putting me in arears with IRS. 


ISL STATEMENT XX/XX/XXXX Although XXXX XXXX states in her complaint that the three loans were of similar age and account status, the actions taken were in compliance with federal and state practices. The state of Iowa has a statute of limitations on a written contract of 10 years. The last payments that satisfied a minimum monthly payment for loan sequence 2 ( disbursed XX/XX/XXXX ) and loan sequence 3 ( disbursed XX/XX/XXXX ) were received on XX/XX/XXXX. The statute of limitations for these two loans expired in XXXX. The last payment that satisfied a minimum monthly payment for loan sequence 1 ( disbursed XX/XX/XXXX ) was made on XX/XX/XXXX, extending the statute of limitations for that loan into XXXX. In XXXX, loan sequences 2 and 3 were written off due to being out of statute. At that time, the IRS required a 1099-C be issued. The 1099-C was provided to both XXXX XXXX and the IRS. Before the statute of limitations expired for loan sequence 1 in XXXX, the defaulted loan was turned over to a law firm for collection. Loan sequence 1 was subsequently charged off on XX/XX/XXXX, as part of a settlement between XXXX XXXX, the law firm and the loan owner.
Consumer complaint received 2024-05-28
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Credit and Collections Inc. (MO)

I received a few calls about the debt owed. The lady that called said if I didn't set up a payment arrangement they would go after my pay check and it would go on my credit. She said that if I didn't make an arrangement to pay before a certain date someone would garnish my checks. She also told me that this won't go away they won't just let it go they will take me to court. She said to make an arrangement before it showed up on my credit report but it still went on my credit. They also charge me {$10.00} extra dollars to use my debit card to pay the payment owed. I asked for a letter that states I set up and payment plan and they refused and said they couldn't
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I have a dispute on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 

According to the FRCA the term investigate '' consumer reports '' means a consumer report or portion thereof in which information on a consumer character, general reputation Personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information. 


They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 
XXXX ACCTS ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX CO ACCT # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (AZ)

Activity on my account that was NOT me... Chace headquarters XXXX ext XXXX told me when I closed the account that she would investigate my account and tell me where my money went and who is transferring it out ... XXXX week later I called her back and she said " she's still investigating... XXXX days later I call again and she said " she was on vacation and she is investigating it and will call me back that afternoon!! She has NEVER called me back, help me in any way... .she makes me feel like I'm a no body and my case isn't worth looking into ... .although she said that she still investigating XXXX weeks later!! ! She has definitely changed my mind on getting another account here at chace... I WILL NEVER have another chace account again ... .call me for more details and proof of this complaint ... thank you XXXX XXXX XXXX or XXXX ....
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (VA)

I was the victim of a scam and I alerted my bank, Ally Bank as soon as it happened and they froze my account on XXXX and they are still holding my funds and will not release them and it is my only source of income and its {$3200.00} and I have a family of XXXX with no gas, no groceries and I have XXXX money and they returned the fraudulent check on XXXX and have yet to unfreeze my account or give me access to my money and say that they could hold it indefinitely. Please help!
Consumer complaint received 2023-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter out XX/XX/2023 to XXXX, TransUnion and XXXX. Here are my certified mail return receipt tracking numbers. [ XXXX XXXX ], [ Transunion- XXXX ], [ XXXX ] and I have attached a PDF with copies of the green certified mail return receipt card to this complaint. 
However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. 
I thought they were bound by the reference below to maintain the completeness or accuracy of any item on my credit report. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
In the letter I sent, the below accounts on my credit report were being disputed. 
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 The above accounts should be permanently deleted from my credit report. 
I have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation. I have provided all dates and complaint numbers below as they would paint the picture of the credit bureaus having no regard for the laws they are governed by as you can see the data in the referenced complaints below. 
XX/XX/2023 - XXXX XXXX TRANSUNION XXXX XX/XX/2023 - TRANSUNION - XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 - XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXXXXXX TRANSUNION- XXXX SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT REPORT ACCURATE INFORMATION, THEY NEED TO RESPOND TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT REPORT.
Consumer complaint received 2024-05-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (NC)

In reference to ACCT XXXX with Ally Bank/Financial . I mailed a request for debt validation by certified mail via the United States Postal Service. I received notification on XXXX XXXX the certified mailing was received and signed for at the headquarters of Ally Bank/Financial . I will enclose copies of the debt validation letter, signed card along with official delivery record from the US Post Office for your review. 
As of XX/XX/XXXX. 2024 I still havent received a written response from them.In addition to this non-compliance of the Fair Debt Practices Act 15 USC 1692g ; they have added another negative item on my credit report on XX/XX/XXXX & XX/XX/XXXX. 2024. I politely asked once the letter was received ( XX/XX/XXXX ) that they take no negative action on my report until they responded to me.
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter last XX/XX/XXXX, to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again. 
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 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 2024-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC (LA)

Easypay Finance/Duvera is in violation of : 15 USC 1692 C ( A ), 15 USC 1692 D ( 2 ), and 15 USC 1692 C ( A ) I do not have any contract with EasyPay Finance/Duvera and never received one after a request was made. 

This collection is INACCURATE and needs to be deleted immediately! I do not owe this collection company and have never signed any documents or agreements with them! This is in violations of the CDIA laws!. **This collection account is not accurate, verifiable, nor is it compliant to CDIA or FCRA laws. Fraudulent misrepresentation is a crime punishable by the law and you are committing it Also you are violating my consumer rights to fair credit reporting. Please delete this off my report! Let me remind you of the importance of removing any unproven claims from your reporting about this account. As the data reporting provider, it is imperative that you adhere to the minimal criteria required to report with the privilege to do so. Failure to meet these standards raises concerns about the validity of any and all claim that you make, especially with regards to the mandatory Metro 2 Compliance standards. As you are aware, these standards are clearly outlined in the CDIA 's nearly annual CRRG, which stipulates that any deviation from these standards risks compromising the integrity of the data. 

I contacted them several and I never got the information needed. They also have a notarized letter. 

Please DELETE ASAP!
Consumer complaint received 2024-01-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I moved from XXXX to XXXX and attempted to title and register my car in XXXX. XXXX DMV asked me for title. I reached out to BOA for assistance, but they did not take any action.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

Abruptly and without prior notice, American Express Financial Services, issuer of my personal American Express Platinum Card, and two business cards ( American Express Business Platinum and American Express Blue Business Plus ), suspended my card access today ( XX/XX/year> ) on all three cards claiming that my account is under routine financial review. As part of this review I was asked to answer questions about my employer and private law firm and then to provide two recent paystubs from my employer and two bank statements from the the account I use to pay American Express, all of which I have done. My complaint is that this financial review is being done without any prior notice or warning or as a result of my failure to meet my financial obligations. Fortunately, I have other credit cards, personal or business. Yet, i use my American Express Cards frequently as two of the cards carry {$690.00} annual fees ( {$1300.00} total ). I am about to go on a business trip and have no access to the cards and the benefits they offer. American Express 's action are unwarranted.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

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 2024-05-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (SD)

My XXXX  and I requested that a Secondary Beneficiary be added to both our Checking and XXXX account. We wish to make our XXXX the secondary beneficiary. Ally bank does not offer this. You may only add a beneficiary then assign percentages.
Consumer complaint received 2023-11-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CO)

My CD with Marcus by Goldman Sachs matured on XX/XX/XXXX. I requested the account be closed. On XX/XX/XXXX I received email verification that the account was closed. By XX/XX/XXXX I had not received any funds either by wire or by mail and contacted G/S I was placed on hold repeatedly and was told they would call me back rather then me wait on hold. I did not receive a call back. XX/XX/XXXX I called and was told by XXXXXXXX XXXX XXXX  ) it takes 3 days for the money to be wired. XX/XX/XXXX, No fund received by my bank and spoke to XXXX then XXXXXXXX XXXX XXXX XXXX who said the account to which the wire was to was to be sent was a business acct. That is not correct is it a personal savings account. The same account the funds were initially send to G/S. I was then transferred to XXXX and requested a check be mailed. That would take 1 to 10 days. XX/XX/XXXX I received an email from GS requesting I call them back. Spoke with XXXX XXXX XXXX XXXX and XXXX, who needed to send a PIN to verify I was who I said I was. A verification code was sent to me each time I asked for the funds to be transferred or mailed. XX/XX/XXXX I called and spoke with XXXX who said the check was sent out overnight. XXXX I called G/S and was told the check was sent USPS and the tracking number is XXXX. I entered the number in the USPS tracking website and this message appears - '' XXXX doesn't seem to be a USPS tracking number. Please check the number and carrier and try again. '' This is ridiculous.
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CO)

Credit report shows name of collection agency ( AmSher ) with outstanding debt of XXXX. It appeared this was initiated in 2021. I tried contacting agency and was twice redirected to scammers. I contacted company ( XXXX XXXX ) where debt originated and of course, they have no record of me, my name, address or other info that would indicate I had ever done business with them. I contacted XXXX and FTC and now am trying to jump through all these hoops to get the fraudulent report removed from credit record.