davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CA)

Chime decided to close my account on XXXX XXXX while I had a credit of {$680.00}. They said it would take 30 days after my account closed to have a check mailed but they didnt send me my refund check till 2 months later and the check is not in full. Still pending {$220.00} when I asked what happened they said that the dispute was reversed and thats why they charged the credit again. I asked for a copy of the proof of documentation that the dispute department used to determine if the charge was correct and the documentation clearly stated that there was an error in the transaction. Therefore my credit was valid. When I brought it to their attention one agent agreed and said she would escalate it and I would have my funds sent to me immediately but its been a whole month now and when I call for an update they said I have to wait till XXXX
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE (NV)

I sent in supporting documentation including ( Consumer dispute letter, my personal information including my drivers license, my ss card, and a bill ) an identity theft affidavit, and a identity theft FTC report ) .via certified mail in which they received these documents on XX/XX/2023. I requested that they block/ remove 2 inaccuracies ( 2 accts from BRCLYSBANKDE ) ( one in the amount of {$10000.00} & the other in the amount of {$1300.00} ) on my credit report resulting in identity theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states these accounts must be removed within 4 business days of receipt. It has been over 30 days. So I am hoping that the CFPB can expedite this process to have them block/remove this from my credit report immediately as this is damaging to me and my credit.
Consumer complaint received 2023-05-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (LA)

This is the 3rd attempt that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX : {$15000.00}, XXXX XXXX XXXX XXXX : {$15000.00}, XXXX XXXX XX/XX/2021
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (LA)

A mobile check was deposited to my account on the XXXX of XXXX. I spoke with a rep from the bank who informed me they would be available no later than end of day. The XXXX came and they only allowed my to access {$220.00}. The remaining funds which was $ XXXX has not been made available. Every time i speak with some one they lie and tell me something totally different than the last. The bank told me that it had to do with a fraud protection and when i called fraud they said there was no hold or nothing on my check. I asked numerous of times for the local branch and if they had any in the XXXX and all the could say was " well we are citi bank '' and still could not give me any info. They did this too me a week ago and i was stranded in another state with my kids and had to sleep in my truck due to a similiar situation. They keep playing with my money and with holding it and i think they are just scamming or frauding people and i dont think they are actually based in the us
Consumer complaint received 2023-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuosly ask for.
Consumer complaint received 2024-04-24
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Bridge IT, Inc. (CA)

I opened Brigit account they take XXXX for a subscription and XXXX $ for a bank where I can withdraw money as they said they asked for my bank information and now that Im requesting funds they are saying my bank isnt associated and I still need to keep making payments and subscription still needs to be paid from active bank account on file its a scam!! I found out they going through a law suit settlement they have XXXX $ of my money
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Valor Intelligent Processing, LLC (AL)

Upon checking my consumer report. I see that your company have put a collection on me for a XXXX account. I don't know anything about this collection let alone that XXXX account. where i live comcast does not come to my home. My name has been used to get unnecessary accounts open. I have tried to contact your company and the original creditor they are telling me that they have no record of me having a XXXX account. I am reporting this because this is inaccurate information and I would like this to be remove and not have statements sent to me. I don't like being harass or constantly contacted for a debt unknown to me and is a fraudulent account.
Consumer complaint received 2023-07-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (SC)

On XX/XX/2022, I sent XXXX XXXX, an employee of XXXX XXXX, a written notification In the form of an email stating that I would not be renewing my lease cited for XX/XX/2022. Per the leasing agreement, if the number of days is not filled in [ sic ], a renter only has to give the complex thirty days ' notice. Based on this criterion and the written, I satisfied that requirement. ( see Appendix A. ). I do not owe the amount, making your collection activities illegal. According to the Fair Credit Reporting Act, 1006.18 ( c ) ( 1 ), debt collection agencies must not use false or deceptive means. A failure to thoroughly read and analyze the rent ledger to attain a debt for pennies on the dime in the hope of making a profit from a distressed victim is unethical and inhumane. I demand the immediate removal of the collection account from my credit report.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I am writing to address a distressing situation that has transpired concerning my Chase Bank account. In XXXX of 2021, I deposited a check into my Chase Bank account. Although the funds were placed on hold initially, they were subsequently released in XXXX  2021. However, upon attempting to use my debit card, I encountered difficulties and was informed at a branch that my account had been restricted. 

Since then, I have been diligently attempting to have Chase Bank release my funds. It has come to my attention that not only was the deposited check legitimate, but the funds were utilized to clear a negative balance within my account. Despite this, the remaining funds were not released, and my account was ultimately closed. 

This situation has caused considerable financial strain and undue hardship, as the funds rightfully belonging to me have not been made available despite repeated efforts to resolve the matter.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

BANK OF AMERICA OPENED AN ACCOUNT IN MY NAME I I HAVE I HAVE THE PAPERWORK THAT AFTER EVERYTHING THEY DID THREATEN ME WITH TAKING ME TO JAIL AND GOING TO JAIL AND SO FORTH THEY FINALLY SENT ME A LETTER SAYING OH OUR BAD IT WASN'T US BUT THAT IS STILL ON MY CREDIT REPORT AND I'M STILL GETTING SCREWED
Consumer complaint received 2017-09-18
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: REGIONS FINANCIAL CORPORATION (FL)

I called Regions Bank on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my XXXX credit file without my authorization, they could n't help me.
Consumer complaint received 2017-03-27
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Account Control Technology, Inc. (NC)

I 'm XXXX year old XXXX female with the only source of income is my dead ex-husband social security check. I did n't received Any information related to the Account Control Technology Inc. 
was in Florida for 3 month. I has a death in the family. When I received the information the {$300.00} was already being taking from my social security. I made a call to US Treasury but I could not change the amount. I can pay something or work @ a federal or government for free to help pay off this dept. as an off set. ACT Were taking {$300.00} of my money out of the social security check. 
The Principal balance {$13000.00} {$2600.00} is interest. To pay {$3900.00} for a collection agent is horrible. It is almost like the Gov, is being a crook. I ca n't afford this {$300.00} payment. Nonetheless. How can US Treasury allow a collection agent to take From my social Security. I will have drop my XXXX which I pay {$110.00} to afford Rent, Utilities, Food, and Transportation. 
XXXX
Consumer complaint received 2022-11-22
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: EQUIFAX, INC. (FL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2023-06-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RentDebt Automated Collections, LLC (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2018-04-11
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. (FL)

TODAYS DATE:XXXX PLEASE UPDATE MY PHNOE NUMBER TO MY FRAUD ALERT:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX - XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (GA)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$2100.00}, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-04-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: COOLEY ENTERPRISES INC (TX)

I purchased a used XXXX  XXXX XXXX from XXXX XXXX XXXX in XXXX Texas. I purchased a vehicle XX/XX/XXXX of this year. I do not have my registration or my plates yet. The state is also showing that there is a lien on the vehicle in the name of the previous owner still. They also do not have a Texas title for the vehicle. 

I then get two letters in the mail from XXXX saying that the dealership canceled my extended service contract and my gap coverage. I called XXXX to confirm that there is no coverage on the vehicle and they confirmed that there is in fact no coverage, the dealership did cancel both contacts, and the dealership was issued a refund for approximately {$5000.00}. 

I have spoken with the dealership with the finance XXXX, and he is giving excuses for delays in the titling and registering of the vehicle. My sales person has been telling me since mid XXXX that the registration has already been done and that I will get it any day. The state, my XXXX XXXX tax assessor, is saying that no, its not registered to anybody and thats when I was told about the lien from the previous owner. Ive tried asking to speak to the general XXXX of the dealership and no one will ever transfer me to them. I never get past the finance guy.
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (FL)

A fraudulent charge was put on my account. I reported it the next day. Agent credited the charge, closed the account, opened a new one and then debited the charge again on new account. I called over 30 times and filed a complaint with you. They provided an invalid response, and credited an XXXX charge from XXXX which was not part of my complaint at all. That XXXX charge was reversed by XXXX and did not need crediting back to my account. This is another example of the fraud or incompetence going on with this bank. 

The letter I received in response to my complaint states the second account will remain open until the fraud charge investigation is resolved. It has been 4 months. How long do you allow a bank to take to resolve a fraudulent charge. They sent me a copy of a letter I never received from them, saying I would not be responsible for the fraudulent charge while it is being investigate, but they are placing late fees, collection calls and interest on the remaining balance. Clearly, this ageny wasn't able to help me and I am sure there are many little people out there who are being robbed by this bank, just like me. To protect my credit, I had to pay the balance I don't owe. 

I want to know what is the resolution to Truist Case # XXXX and why I am being charge finance charges and late fees which must be credited when this is resolved. This claims is over almost 150 days old. What is the law regarding consumer disputes and failure to respond by credit card companies? 

I also want to know why they credited {$34.00} to my account for Truist Case # XXXX, when XXXX had already realized the duplicate charges and reversed their own charge. They didn't bother to even look at the account, they just returned the {$34.00} without any investigation. However, the other is pending 150- days. Now, Truist owes money to XXXX as well.