davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I am writing to dispute the following information provided to XXXX, Equifax and XXXX. I have given documentation showing the item has been requested for payment for removal from the collection 's agency. Spoke with XXXX, customer service agent, from XXXX XXXX and completed the payment for request of removal. 

I am requesting the item is removed from my credit report to show the utmost updated information with accordance from XXXX XXXX sending on XX/XX/, establishing the payment for removal letter. 

Collections Agency : XXXX XXXX  Amount : {$260.00} Confirmation Number : XXXX Requested : Payment for Removal Note : Enclosed is the receipt for payment on the account. In addition, XXXXXXXX XXXX sends payment for removal letters on the XXXX XXXX of each month. In my case, is XX/XX/. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the above item as soon as possible.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation (WA)

This complaint concerns Albert Bank. My account was " suspended '' for absolutely no reason. I have tired and tried to ask them why but my question has not been answered. I was instructed to send my balance to an external account which I did but around the same time ( XX/XX/XXXX to be exact ) my other check hit the account and was not posted or sent back. I was told if I sent them my paystub I would get the answers to my question but they only sent me another generic, robotic response despite being told that I am going to be evicted from my apartment because of this. Albert Bank has no customer service phone number and only response to messages when they feel like it and the answers come from a pool of artificial intelligence responses so this is extremely frustrating and I desperately need this matter to be resolved.
Consumer complaint received 2023-05-30
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: CREDIT ACCEPTANCE CORPORATION (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX You are in direct violation The Fair Credit Reporting Act ( Credit Acceptance # XXXX ), has violated several of my rights. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Knowingly gave loan that would default.

Sec. 1692d - Harassment or abuse Using credit reporting agency to harass me and abuse Remove this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2023-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

4 months ago venmo closed my account after I got my taxes sent to my account ( {$6000.00} ). They were concerned about the deposit and wanted to have my personal information. I was waiting for my tax paper work to be sent to me and I had lost my license so I was waiting for a new one to get sent to me in the mail. I explained all this to them and that getting a new license in the mail takes a few a weeks and you unable to go into dmv to receive one. I kept in contact with them and reassured them I would send them everything they needed to please not close my account it takes a couple weeks to get my new i.d . i had sent them everything else like Birth certificate, social security, ect. The day I got my license in the mail I opened an email from them saying they closed the account and they gave me no understanding of when they would give me my funds. That day I sent them my i.d, a picture of me with i.d in hand, social, birth certificate, tax paperwork, mail. They ignored everything I sent them and stated " my funds would be held up to 180 days and if they " should be '' available in the future they would email me '' they had also stated that they will not speak about this matter no longer with such vague emails. I've contacted them so many times and they can not give me any explanation or a spew of hope that I will get money but just in a certain time frame. They pretty much ignore me or send automatic emails. This is my tax money most of it from the XXXX children I had. I'm going through a very rough time and really need my funds. I am so disgusted that a company could just hold your money and then say if it should be available to you. This is not a random deposit. It's my taxes from the IRS with my name! Please if you could help in anyway. I'm so devastated that I still can't get a straight answer from them.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Credit Bureau RE : Update Personal Information To Whom This May Concern : I am writing to ensure the credit bureau is reporting accurate information at all times. I have highlighted the areas below that are inaccurate and shall be removed from my credit report immediately. 

Please delete the following inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate telephone numbers : ( XXXX ) XXXX Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX I am filing this consumer complaint and consumer check for compliance of the particular items that you are reporting under FACTA Title 1 section 151. I have enclosed copies of my state ID and social security number to validate my identity. 

Regards, XXXX XXXX
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (MS)

Im not pleased with the continuous fabrication from this company. the compant stated that there was a set out. That is not true my grandmother and I was given the option to stay because the office manager XXXX at the time spoke to the represenatives and agreed to the payment. We moved because we no longer wantd to stay there. My grandmother and I consulted in the the apartment office on XX/XX/2021 @ XXXXXXXX XXXX I am entitled to have a accurate credit report, I need the original documentation of a set out. Legally I am entitled to see evidence per the FDCPA of an infraction on my credit profile. This account has stressed us to the max. Per section 807 of the FDCPA debt collector may not se any false, deceptive, or misleading representation or means in collection of any debt. i was mailed copied documentation and im entilted to the original documentation.I have proven receipts ive sent in the prior claim. thisis unfair and unjust. the collection company made a astatement about when the payment was sent but it waas sent at the time he property manager XXXX agreed to take the rental assistance from the TERA program.
Consumer complaint received 2023-05-30
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: BMW Financial Services NA, LLC (TX)

Report Number XXXX BMW Financial Services There is an account from BMW Financial Services on my credit report. I have continuously tried to dispute this account with XXXX. Each time they continue to verify the account and keep it on my credit report. I have spoken with BMW Financial Services a number of times and they are not able to find an account for me. It is hard to fix this, because XXXX is able to verify an account that I am not able to verify with the original creditor. 

When I call BMW Financial Services and give them the account number, they inform me they are not able to find my information on the account that XXXX is reporting. Most notably, the Social Security Number is different, along with the address. 

My credit file has in the past become confused with somebody else. XXXX needs to fix this.
Consumer complaint received 2018-04-12
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: Experian Information Solutions Inc. (GA)

XX/XX/2018 at XXXX, I called to inform Experian that they have failed to dispute items on my credit report within 30days from the date of my certified letter. I was informed by a Experian Supervisor that they have never received validation letter, and the information I disputed was just verified. I informed them that I have proof of certified letters from the United States Postal Service with a date and time stamp. The supervisor was rude and told its not the company fault that they did not receive my certified letters, and next time send them regular mail because they don't receive certified mail. I explained a Experain rep told me where to send my dispute, and gave me the dispute departments address.
Consumer complaint received 2024-03-29
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. (FL)

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
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2023-05-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FISERV INC. (MN)

Always " in progress '' never an actual answer. Why doesn't Fiserv answer with the information needed? I'm thinking this is some kind of scam or fraud. Third time on CFPB. Despite requesting correspondence through the mail only over XXXX weeks ago due to the failure of your staff in telephone communications ; Fiserv chose to leave an unaidable voice mail on XX/XX/2023. Are these phone calls coming from outside of the country? Only a week later I get on the same day a letter from Fiserv saying that my information has been sent to a debt collector and a letter from the debt collector. Not once did Fiserv provide an address to send the bill to ; only a phone number to call which never gets anywhere. Fiserv 's staff could not locate any information about this case over their phone system ; therefore, a bill could not be paid. Now they have sent it to a bill collector because they are incapable of timely mail correspondence.
Consumer complaint received 2023-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc. (KS)

I received calls from Monarch Recovery. At first, I would receive a message for XXXX ( unknown last name ) trying to collect a debt. This occured last year. I would receive a message now and then. I decided to block the number. Can not recall the number. I started receiving a number from Monarch Recovery on this caller ID XXXX. It will just ring and no one would be on the other line or the line would disconnect.
Consumer complaint received 2024-03-29
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. (KS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-27
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish an account without my written instructions
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On or about XX/XX/2023, Chase Bank submitted for payment to my bank, XXXX XXXX, an {$8900.00} check which was clearly altered with respect to the payee and the payment amount. As per XXXX, this check was not presented for payment as a substitute check but instead in paper format. Even though I promptly reported this issue to XXXX and XXXX apparently promptly forwarded my claim onto Chase, Chase has not to date acknowledged that the check was improperly and illegally altered prior to its deposit by its depositor and/or accepted financial responsibility for breaching the appropriate UCC warranties with repect to this check. This is even though they have had more than adequate opportunity to investigate this matter. Chase contacted me by phone on XX/XX/XXXX to confirm that this check was originally written by me payable to the XXXX XXXX XXXX XXXX XXXX in the amount of {$160.00} and that I had not authorized its alteration. I advised Chase that I did not know a XXXX XXXX and that clearly their depositor was a thief. Any rational person looking at the check could easily see that this check was altered, and it should never have been accepted for deposit in the first place. For XXXX to further delay in accepting responsibility for this altered item is unconscionable. Also, it's KYC procedures appear to be inadequate
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (AZ)

I have an account with Ally, that was drained by an identity thief. Based on the number of complaints I have found online, I see this is nothing new. 

I did know this thief, her name was XXXX XXXX, which ended up being a false name. I worked with her and had at one time authorized a charge for up to {$100.00}. She had all of my information, as well as my husbands. We do not understand how she accomplished this. She successfully stole {$5100.00} out of her account, and laundered it on XXXX. 

Because I had an pre-existing relationship with XXXX, as well as a working relationship with her, Ally denied my dispute claims. I have official police reports, a press release from the DOJ, and even a Special Agent from the FBI to verify her now being in custody. The total amount stolen was over {$13000.00} USD combined with other accounts she had illegally accessed. She used my identification provided at the time I applied for contract work with her business. Nothing else was authorized, and we have been devastated by this. 

Ally made this decision within 6 days, refusing an appeal, even with my offer of a sworn-affidavit to the fact that I did not authorize more than {$100.00} on up to 2 charges, combined. 

Allys position is that if we ever conducted a legal transition, even if it was only once - that preexisting relationship means denial. Period.

This is theft. It is a felony theft, and I filed charges. I sent proof this woman was in Federal custody, and sent the full sheriffs de
partment report, as well as a full report with evidence to the FBI via IC3. 

I have spoken with an attorney who suggested we sue for {$50000.00} or more, in light of further duress and damages. Ill have to save up to afford his retainer, and Im crushed by this. This was a crime, I am a victim of this crime. They refused to advocate on my behalf despite all of this evidence of multiple crimes.

Im angry, and it appears that Ally is saying if any of us have a relationship with a company that has regular deductions, it will NOT protect us from exorbitant withdrawals to that same company that deviate from our spending patterns ; because of that previous relationship and our prior approval for normal expenses. Whether {$6.00}, or close to {$6000.00} - it's all the same to them. 

If we are victims of theft, or identity theft, we are screwed. DENIED - and no appeal, no provisional credit, no call to the Sheriffs department, or the FBI agent listed, no real investigation. Just - Too bad, we do not care, and we will not be your Ally despite this being an infinitesimal amount to our XXXX dollar company. 

This person stole our rent, they stole our ability to eat, they stole our identities and Ally is in this case my adversary. We are impoverished by this crime.
Consumer complaint received 2024-03-29
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. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-06
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: Chime Financial Inc (TX)

I was incarcerated in XXXX XXXX XXXX. During the dates of XX/XX/XXXX through XX/XX/XXXX. 
During this time of incarceration someone used my Chime Credit builder card. 
I was unaware of these charges until my release from incarceration XXXX XX/XX/XXXX. 
At which time I notified Chime of the issue. 
A dispute claim was filed and investigated. 
There are 2 claims.

One of which I was told had been closed and Chime sees no error on statement.

The other claim is still open.

I was incarcerated during all charges made and in question.

How can I not be found not responsible for the charges made while I was incarcerated.
Consumer complaint received 2022-12-22
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. 

Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : 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.