davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
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: Experian Information Solutions Inc. (NC)

I have hard inquiries on my credit report that I don't recognize and didn't authorize. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 There is also a SSN that is not associated with me that is listed on my credit report.
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

I am asking for a investigestion on this account I do not have a contract with this company please have this company sign a contract bearinf my signature LVNV FUNDING LLCXXXXXXXX XXXX XXXX is this account and in accordance to the Fair Credit Reporting Act LVNV FUNDING LLCXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agrncy can not furnish a account without written instructions.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (CA)

I opened an online savings account on XXXX XXXX XXXX  and deposited XXXX $ on the same day. But on XXXX XXXX XXXX, I could not log in to my account by phone, they said Weve temporarily locked your account. Please call us to have it unlocked. 
So I immediately called them on XXXX XXXX XXXX, the agency said she could not reopened it and will send the check of XXXXXXXX XXXX in the next two weeks to my mail. But I didnt see anything and tried to call back on XXXX XX/XX/XXXX, the other agency said he doesnt know when they will transfer back my money and told me just to wait. Im so worry about the money because I just got XXXXXXXX XXXX XXXX no job and really need that money. But can not contact them to know how long they will send my money back.
Consumer complaint received 2023-08-30
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. (SC)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or else wise indubitable in or of its validity unequivocally as disclosed, as indicated!

I have been looking over my Credit file and discovered several inaccurate accounts from on credit profile. I have requested validation from the accounts listed below 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (GA)

My account was compromised by hackers who tried to deposit a fraudulent check into my XXXXXXXX XXXX account, which ultimately resulted into my SOFI account being restricted. I have funds in my checking account that I need access too as well as my bank account overall. Ive reached out to the company multiple occasions and they failed to provide any substantial help regarding this issue. They informed me that my account was being closed in late XXXX XXXX, but yet its still accessible to me.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: VYSTAR CREDIT UNION (FL)

I think the account might not be valid. VyStar Credit Union Headquarters. must confirm in a legally binding statement that this claim is legitimate and doesn't have any issues like breaches of agreement, lack of consideration, or significant changes, and that the original lender received proper value. Also, they must assure that the transfer of the alleged account was done in good faith with everyone 's agreement. If they can't provide this sworn statement, I demand the removal of the account from my credit record and their records.VYSTAR CU XXXX
Consumer complaint received 2023-07-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: TMX Finance LLC (GA)

I took out a loan with Titlemax.. The lady explained that my payments would be {$110.00} and that I would be paying for 24 months. I thought is was a regular loan that you make monthly payments on. 
It was not explained correctly. It is my fault for not clarifying how the loan was to be paid. However, Of the {$1000.00} I borrowed I paid back over {$3000.00}. Interest rate was 152 %. The car was destroyed and I continued to make payments until I just couldnt anymore. After years they are contacting me to pay it off. This company received 3x their money back. Enough is enough.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I have been with Chase since I was XXXX XXXX XXXX and never had an issue with them at all until they closed my account, I haven't done anything fraudulent and this is how they treat their loyal clients : XX/XX/23 : I was notified by Chase that " to protect against potential fraud, we restricted your account and may close it soon on XX/XX/23. 

XX/XX/23 : They closed my account on XX/XX/23. I Went to the branch the same day and the banker told me that the account will be closed and I am not allowed to bank with Chase for the next 7 years. The remainder of the funds should be sent out via check to me 7-10 business days. 
have roughly XXXX XXXX XXXX XXXX left in there which ruined my routine with paying bills and other items. 

XX/XX/23 : Called into the phone number they provided to check on the status of my check. they said its still under suspension. It can take up to 6 months which is ridiculous to hear. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX : Called in to check on the status, still says its currently under investigation, I escalated to the manager and filed a complaint they said there is nothing they can do but to leave notes on the account that I called in. No time frame at all. 

XX/XX/23 : Its been way past the 6 month period and they said that the funds are still currently on hold and there is no end date to when the investigation will be over. I told them I can provide all my paystubs and all the proof they need. My funds are all from paychecks and my roommates to pay rent but that is basically it. It has been 8 months and have no resolution to this matter.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XX/XX/2023 Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/ My Bank of America Business checking account was closed with no reason given. I have went into multiple branches, called multiple numbers. Spent hours on the phone for the last 7 months and I have not received a XXXX  from them. I have had to halt XXXX XXXX operations because of their negligence. They have held {$40000.00} and wont release it as it is under " 2nd investigation ''. This is a lot of money and has caused me to practically close XXXX XXXX. I have hours of recorded conversations with different support people on the phone. I have tried resolving the issue by asking them what documents or steps I can take to receive my funds and the answer is always the same. " We will contact you when we are finished investigating '' It has been 7 months. This is unlawful. They are making interest on my money and I am absolutely exhausted, mentally fatigued, and can not call them anymore. The stress this situation has caused is unbearable. I have had to borrow money to run my XXXX and after talking to a few lawyers they advised me to file a complaint here because I couldn't afford their attorney fees. Please someone step in and help me with this matter as this is not a small amount. Thank you.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (IL)

My Name is XXXX XXXX XXXX and I am a Victim of Identity Theft. As of XXXX of XXXX  I noticed on my Credit Report that a new card from Comenity Bank Credit Card Address ID # XXXX had been opened. At that time I contacted Comenity immediately to inform them that this was not my card that it was opened Fraudulently. I did not Authorize it, Approve it, nor did I sign for it, it was Identity Theft and Fraud and I would like it disputed and removed from my Credit File Account. Please Delete. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I contacted Chime on Monday XX/XX/XXXX regarding unauthorized activities on my debit card with the company. I had a total of {$210.00} in unauthorized transaction on my account. Within less than 24 hours I received email saying the " no error occurred '' and that Chime declined my dispute without ever doing any sort of investigations on the disputed charges. I provided additional detail and information of the disputed charges to the disputes agent while initiating the disputes including me being out of town during the time these transactions were taking place. I had unauthorized transactions on another card that was also stolen and was able to file a dispute with that institution which gave me my credits the very next day and the investigation is still ongoing. I also filed a police report for the unauthorized transactions and use of my debit cards, this information was also provided to the disputes agent. I do not feel like my money is safe at all with Chime and am very disappointed in even having to file this complaint as I thought this issue would be properly looked into.
Consumer complaint received 2023-08-30
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: Experian Information Solutions Inc. (TX)

XXXX XXXX is illegally opening and closing an auto and reporting inaccurate information to the credit bureau. I've file several complaints regarding the improper use of my credit report and also a violation of the law. 

On XX/XX/XXXX, I pulled my credit report to see that XXXX XXXX is still violating my consumer rights by reporting inaccurate information regarding litigation of an auto loan that was open in XXXX of XXXX ( Account Number : XXXX ), XXXX XXXX is illegally opening and closing the auto loan and reporting false information to XXXX, XXXX, and Experian for a charge off account. Santander consumer is reporting a balance of XXXX and a higher balance of XXXX, XXXX, the last activity on the report is also inaccurate along with the payment history. XXXX XXXX is continuing their deceptive and predatory lending practices even after being fined. 

XXXX XXXX is believed to be in violation of the following : inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent failed to promptly update and correct information furnished to CRAs that Respondent determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 2 ) ; ( 3 ) Respondent furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts in violation of 623 ( a ) ( 5 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 5 ) ; and ( 4 ) Respondent failed to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to CRAs in violation of Regulation V, 12 C.F.R. 1022.42 ( a ). These violations of the FCRA and Regulation V also constitute independent violations of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565, the Bureau issues this Consent Order ( Consent Order ).
Consumer complaint received 2024-02-14
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Colony Brands, Inc. (NY)

I disputed Ginny 's, XXXX XXXX and Montgomery Ward accounts for which I have never had an account. I received letters back suggesting that I file an Identity Theft complaint. When I went to the website on the letter, it did not apply to me. Then I was redirected to your website complaint form.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My XXXX loan balance has been XXXX since XX/XX/2023 ; and reported as XXXX since XX/XX/2023. The other credit reporting agencies have updated and has reported correctly for months. Trans Union, however has refused to update the balance and status of this account accordingly. Despite, being notified of status from the original creditor/ company months ago. This caused me to get denied for my home loan at the end of XXXX, because the lender used information from all the XXXX major bureaus ; and Trans Union was reporting the information incorrectly. This was purposefully not updated, and TranUnion continues to report misleading and incorrect information on my report ; even though the creditor is not reported or supplied Trans Union with any updates or information on my account since XXXX.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO. (VA)

I have disputed an Jpmcb account with all three bureaus ; its appears the credit card was opened in XXXX of XXXX  with a credit card limit of {$7100.00} and a negative balance of {$1000.00}. I have notified all three bureaus that I was XXXX  when this account was opened along with documentation from my probation officer. I received notification that the account was verified accurate. It was impossible for me to receive any goods or services from JPMCB during this time frame,
Consumer complaint received 2023-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

Americollect has put medical debt {$740.00} on my credit that I do not owe and destroyed my credit for a company called XXXX XXXX XXXX. I never signed for it, don't know doctor involved nor why I am being billed as a XXXX VET, XXXX XXXX XXXX XXXX XXXXXXXX receiving free benefits and need the details of this alleged creditor in order to dispute via attorney. This action is a HIPAA violation and a violation of the " no surprise " billing act.
Consumer complaint received 2023-08-30
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. (TX)

XXXX XXXX is illegally opening and closing an auto and reporting inaccurate information to the credit bureau. I've file several complaints regarding the improper use of my credit report and also a violation of the law. 

On XX/XX/XXXX, I pulled my credit report to see that XXXX XXXX is still violating my consumer rights by reporting inaccurate information regarding litigation of an auto loan that was open in XXXX of XXXX ( Account Number : XXXX ), XXXX XXXX is illegally opening and closing the auto loan and reporting false information to XXXX, Equifax, and XXXX for a charge off account. Santander consumer is reporting a balance of XXXX and a higher balance of XXXX, XXXX, the last activity on the report is also inaccurate along with the payment history. XXXX XXXX is continuing their deceptive and predatory lending practices even after being fined. 

XXXX XXXX is believed to be in violation of the following : inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent failed to promptly update and correct information furnished to CRAs that Respondent determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 2 ) ; ( 3 ) Respondent furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts in violation of 623 ( a ) ( 5 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 5 ) ; and ( 4 ) Respondent failed to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to CRAs in violation of Regulation V, 12 C.F.R. 1022.42 ( a ). These violations of the FCRA and Regulation V also constitute independent violations of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565, the Bureau issues this Consent Order ( Consent Order ).
Consumer complaint received 2024-01-02
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. (PA)

I was sent letters from all 3 credit bureaus stating there was nothing they can do until they receive identification from me drivers license, proof of address and social security card. These items I had included with my Identity Theft report. I have attached documents submitted to the credit bureaus.
Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Maximus Federal Services, Inc. (CT)

sent a death certificate to Navient in spring XX/XX/2016 ..requested a cancellation of the parent plus loans as my spouse and I have poor credit and could not qualify or make payments .. Navient ignored the request and recast loans in me and my wife`s names...
Consumer complaint received 2024-01-02
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. (TX)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-05-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Concord Servicing Corporation (ID)

This company XXXX XXXX XXXX keeps calling and leaving messages. XXXX times a week. 
I have asked for info about the debt in writing but they said they didn't have my info and asked for my address. I declined to give it to them, if this was a valid debt they should have that info. I haven't moved in XXXX years. 
They have not told me how much I owe, nor when it was owed. They only reached out to me when I called the original company and that is how they got my phone number.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.
Consumer complaint received 2024-05-14
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Amsher Collection Services, Inc. (NV)

I have asked amsher Compassionate collections to Only contact me by email. 
I have a payment arrangement. Set up for a XXXX a month... But they continue to Call and harass me demanding payment Even though i'm three months ahead ....