davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (NY)

I have been paying off a car with VW credit for 3 years. I have paid on-time or early each time. Additionally, I have paid more than the amount needed. I recently received a bill and it had a late payment plus new payment on it. I contacted XXXX extension XXXX on XX/XX/19 to discuss this problem. She agreed that the billing was wrong and would handle it. I made a XXXX dollar payment that day as I usually do every month. Subsequently, I received a late payment notice again with a threat that they will contact the credit bureau. I called again today and after 30 minutes, much of which was on hold for XXXX  extension XXXX, she indicated that I should actually be ahead not behind based on my payment history. She said she will again look into it. However, I am concerned that their accounting department has not audited my account correctly. I paid the remaining balance that is due to prevent further threats however, I believe their accounting department needs to be held accountable as I am probably not the only person this is happening to. Neither customer service representatives could provide me with a reference number for my call. I also sent an email inquiry today as I wanted some proof that I am trying to get this situation corrected.
Consumer complaint received 2022-06-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (FL)

I am being sue my Citibank for {$2000.00} XXXX XXXX dollars credit card I have with XXXX XXXX on XX/XX/2022. According to XXXX company citi bank hired them to sue me, lawsuit. XXXX couldnt prove the dates they contacted me, when ask why couldnt you call me and let me know, they reply we send u a letter. I never received a letter. Its was almost XXXX someone knocked on my brothers door to deliver a summons for me. Since my brother notify me, I have had serve XXXX, XXXX  and I cant sleep. I am a single mom trying to stay afloat in this horrible times. I have no message from Citibank or XXXX prior to this letter. I have made payments on this credit card but not able to keep up with the demand of rent and childcare. I have to appear in court on XX/XX/XXXX which now I have to miss work. I leave in fear now because I am worried what will happen to my child if I am not able to pay on court date. I am not able to afford an attorney to represent me. I am so scared. Citibank shame on you {$2000.00}, a single mom trying to make ends meet, my heart hurts for my son. I do not know where else to turn. XXXX XXXX and thanks Citibank my records are now published on the public website and I am being harassed by others.
Consumer complaint received 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX  Acct XXXX XXXX, XXXX XXXXs Acct # XXXX has XXXX XXXX XXXX. 

15 USC 1681 Section 602 A state I have the right to privacy.

15 USC 1681 Section 604 A section 2 States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-06
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. (VA)

The company is completely ignoring the fact that this account was the result of identity theft and according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft part ( a ) the company has failed to block this item resulting from the identity theft after notifying them of the fraud. They were provided with police reports and FTC reports, as well as a notarized identity theft affidavit. I have uploaded proof and documents of every document for the CFPB and TransUnion. 

The fraudulent account is : XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-06
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: Sequium Asset Solutions, LLC (OK)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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
Consumer complaint received 2021-08-24
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: EQUIFAX, INC. (GA)

I previously submitted a complaint to CFPB about Equifax handling of my credit report dispute. Equifax responded to the request stating they sent me an update. I received the update and it is a generic form letter. This is unacceptable. Equifax provided my credit report to these companies without my consent and they are not following the established FCRA guidelines for disputes. Equifax did not verify the accuracy of these inquiries. All they did was sent me a form letter. Equifax needs to delete these fraudulent inquiries or Equifax needs to verify the accuracy of each inquiry. If Equifax is unable or unwilling to verify these inquries within 30 days, they need to be deleted. 

I have contacted Equifax about this and they told me to send in a police report and/or a FTC Report . I have done both and even though they have evidence and documentation that this is fradulent, they still are refusing to do anything except send me a form letter telling me why they report inquiries. 

I do not want another form letter. I want Equifax to follow the FCRA and verify these inquiries. In the next repsonse I receive from Equifax, I am expecting to see the name, address, phone number, date, method of contact, and the person that each inquiry was verified with. ***** DO NOT SEND ME ANOTHER FORM LETTER THAT DOES NOT CONTAIN THIS SPECIFIC INFORMATION AS OUTLINED BY THE FCRA***** I should not have to keep telling Equifax how to follow procedures.
Consumer complaint received 2022-06-06
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC. (UT)

The debt in question has been disputed and removed from the consumer credit reporting agency, but the Debt Collection Company has stated they DO NOT own the debt and therefore have no legal grounds to report the debt. The Debt Collection Company resubmitted the debt after removal to bypass the legal dispute process. The Debt Collection Company has submitted a balance that directly contradicts the original amount they allege the " Company '' who they said actually owns the debt was collecting. The State of Utah only allows a Debt Collection Company to bill interest if interest was included in the initial company. AUTO INSURANCE DOES NOT allow for interest and therefore would not account for the discrepancies reported to the Consumer Credit Reporting Agencies. The Debt Collection Agency has a poor track record in Complying with Debt Collection Practices and with the continued support of the Utah State Attorney General 's Office proper discipline should be taken against Caine & Weiner. Caine & Weiner as I have researched is NOT a licensed Insurance Agency in the State of Utah and as stated in the previous complaint by the Debt Collection Money is attempting to collect money for an account they do not own, but allegedly relates to an Auto Insurance Policy for Vehicles that are not owned or Registered in the debtors ' name.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I called your department after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw an UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SS Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-06-06
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. (CA)

I called your department after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw an UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SS Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (WA)

On the XXXX of XX/XX/2023, I decided to move all my money of the sum of {$6600.00} from my checking account with XXXX XXXX XXXX  ( which I opened while I was in XXXX  school at Tennessee ) by initiating a ACH transfer to my Chime account to settle some emergency family needs. I initiated the transfer by connecting my XXXX XXXX XXXX  checking account with my Chime account via the Chime app and I received a notification email acknowledging transfer initiated. Surprisingly, the following day XXXX of XX/XX/2023 I received an email of Account Closure Notification : Following a recent review of your Chime Checking Account, we have made the decision to close your account with Chime. Your account failed to comply with the terms of your Deposit Account Agreement, and we will close your account as a result. Your checking account will be closed on XX/XX/2023. Since then the ordeal began. I have made countless of calls to the support and directed to send emails to their review and support teams which I did numerous times. Oftentimes when I ask which part of the Deposit account agreement did I break, I get the generic response " For security reasons, Chime is unable to share more information about the account closure. We're also unable to review whether your account can be re-enabled or refunded until we receive valid documents verifying the deposits ''. 
I provided all the items they requested for verification listed below : photos of front and back of my driver 's license, photo of my social security card, Utility bill for proof of address, bank statement from the XXXX XXXX XXXX  showing the transaction of transfer to Chime a proof I own the account, my workplace ( XXXX ) badge, written explanation about the origin of the deposit ( XXXX ) to verify that I am the intended recipient. After numerous calls with Chime customer support and getting response from a different agent of Chime member protection team almost every single time based on e-mail signature and many times being asked for the items I already provided, I still could not resolve the issue. On XXXX of XX/XX/2023 after XXXX months of back and forth communication, I got an email saying : " XXXX XXXX, Thank you for reaching out. I apologize for the inconvenience of this situation.

After a recent review of your account, weve found that it does not comply with the terms of the Deposit Account Agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement.

Please let us know if we can assist you further or give us a call at XXXX '' At this point, I want to believe Chime is fraudulent because I don't know how they will close my account and at the same time seize my legitimate money in it. If they say they can not verify the source, I think the right thing to do is to return the money to XXXX XXXX XXXX  where the money was transferred from.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called your department after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw an UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SS Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-06
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. (IN)

XXXX XXXX XXXX  opened XX/XX/XXXX XXXX open balance XXXXXXXX XXXX XXXX XXXX reported XX/XX/XXXX XXXX open balance XXXX XXXX reported XX/XX/XXXX XXXX reported balance XXXX  XXXX  reported XXXX XXXX XXXX XXXX reported balance XXXX  reported XX/XX/XXXX XXXX XXXX  reported balance 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
Consumer complaint received 2022-06-06
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: AmerAssist A/R Solutions, Inc. (OK)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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
Consumer complaint received 2022-06-06
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. (VA)

The company is completely ignoring the fact that these accounts were the result of identity theft and according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft part ( a ) the company has failed to block these items resulting from the identity theft after notifying them of the fraud. They were provided with police reports and FTC reports, as well as a notarized identity theft affidavit. I have uploaded proof and documents of every document for the CFPB and Experian. 

The fraudulent accounts are : XXXX XXXX  XXXX and XXXX XXXX XXXX.
Consumer complaint received 2022-06-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (TX)

I was in the middle of a loan modification with XXXX XXXX when my loan servicing company was sold and switched to BSI Financial. I was originally paying approx. {$1800.00} with XXXX XXXX with no problems and paying it on time, especially for the 3 months trial period. So rightfully so when the loan servicing company switched over to BSI I continued to pay {$1800.00}. Then XXXX day I had a conversation with XXXX XXXX ( not sure who she is, but I believe my assigned agent ). She told me she would not accept anything less than {$2200.00}. I asked when did this start because I had been paying the {$1800.00} all this time and no one said anything. She said it had always been this way and that I have been paying {$1800.00} with The XXXX and why wasn't that honored. I filed for a modification and that was denied but how so when I filed XXXX with the XXXX XXXX and that was approved. So denied by XXXX and denied by XXXX no change in circumstances. Now my loan interest is 5.75 % ( listed on my monthly balance statement. however, when I called the VA to discuss what to do to avoid foreclosure, she mentioned that my interest rate was 3 %  and not 5.75 %. I have called XXXX XXXX several times no answer no reason. BSI is the worst loan servicing company in the universe. Customer service has the hardest time explaining to me what are my next steps or how to escalate my complaints.
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (PA)

I ordered a refrigerator  on XX/XX/2019 and it didn't get through our door. So your delivery people took back same day. However I still get a bill although I called to explain few times. Could you fix this issue?
Consumer complaint received 2024-02-19
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. (FL)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA (TN)

The company FED LOAN SERVICING whose address is XXXX XXXX XXXX XXXX, PA XXXX has already deposited a 1099-C for the amount of {$20000.00}. I need my account updated to reflect that all payments have been paid as agreed.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

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 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 2022-06-05
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. (NY)

Account has been paid and closed, paid before terms. 

XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance - Updated on XX/XX/2019 2019
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc. (IL)

Consumer Portfolio is reporting a repossession and late payments on my credit report. That vehicle was traded in to XXXX XXXX in XXXX XXXX in XX/XX/2018. I was served papers and went to court several times for this account. Consumer Portfolio dropped the case because it was negligence on XXXX end. This has been reporting negative on my credit as a charge off for over {$20000.00} and its showing as late and repossession on my credit report. It is affecting my report and my progression in moving forward with repairing my credit. Can you help me get this resolved or removed?? Thanks