davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

They closed my account in XX/XX/2022. Took over a month and filing report for them to issue funds. They assured funds were released but confirmed theres still a balance in my credit builder account and are now telling me XXXX not eligible for a refund. How am I not eligible to get my own money back? They have no court order on me and can not without my money. They refuse to help and have no real customer Service to give information.
Consumer complaint received 2022-05-23
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: General Motors Financial Company, Inc. (TX)

XXXX dealership ran my credit several times, they were not authorized to do this, they have even admitted in the letter I have proof they were not allowed. GM FINANCIAL has refused to take it off my credit report. This is absolutely ridiculous and against the consumer protection, I have wrote them with no other response.
Consumer complaint received 2022-05-23
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX  ACCOUNT XXXX XXXX has violated my rights and are reporting a fraudulent account on my credit report to the credit bureaus. 

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 an account without my written instructions. 

15 USC 1692g This account ifs fraudulent and can not be verified and must be deleted from my credit report.
Consumer complaint received 2022-05-23
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX ACCOUNT XXXX XXXX has violated my rights and are reporting a fraudulent account on my credit report to the credit bureaus. 

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 an account without my written instructions. 

15 USC 1692g This account ifs fraudulent and can not be verified and must be deleted from my credit report.
Consumer complaint received 2015-09-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio Recovery has been contacting me since XXXX 2015 or earlier, for collection on a XXXX credit card account that belongs to my husband, who filed for bankruptcy. The XXXX account was settled in bankruptcy court, so they were paid an allotted amount. I did not apply or use the card, ever. My husband 's bankruptcy has been discharged since about XXXX 2015. I have explained this to XXXX representatives of Portfolio Recovery. The XXXX said she would send me a dispute form ... never happened. The XXXX said he saw where the issue was resolved so he was going to " send it up '' because I did n't owe the debt. The XXXX called last week. She said I owe the debt because I was not involved with the bankruptcy. I argued with her because I have not apply for, or used this card, ever. After I speak with a representative, they stop calling for a week or so. Then, they call several times per day while I am at work and then when I am at home. They continue to harass me. What recourse do I have? They put this on my credit report! What can I do about that?
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP (FL)

There is no response or proof of the Wage Garnishment from the company in the response and the complaint was closed incorrectly. This is getting ridiculous that this copany can lie and say they filed a wage garnishment for a debt that is beyond the statute of limitations and take money illegally and you are not helping. 

XXXX
Consumer complaint received 2022-05-23
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: Block, Inc. (CA)

On XX/XX/2022 I had XXXX Unauthorized purchases on my Cash App credit card. This all happened while I was sleeping from XXXX till XXXX. My account is obviously compromised and all XXXX transactions were from companies outside the USA. 

The day before I had two transaction that happened, one from XXXX XXXX XXXX for {$620.00} & one from XXXX for {$100.00} but both were canceled. I didn't know of either company, so I contacted Cash App and told them about them and asked if I should cancel my card. I was told they didn't see anything wrong and just to monitor purchases. That night XXXX unauthorized charges for over {$1800.00}. 

I have canceled the card and I can still see charges being made to the old card account. Today is XX/XX/XXXX, and I havent heard anything back regarding the disputes and havent received any refunds.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TN)

Navient reported that I owe them over {$73000.00} dollars and I dont. Navient will not send me proof of this debt. Navient is also reporting information from XXXX. Navient is making it seems like Im over {$100000.00} in debt to them. Navient and XXXX are the same company but they are reporting it as 2 different companies. I dont owe them {$73000.00}
Consumer complaint received 2019-11-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Renton Collections Inc. (WA)

I received a letter from Renton Collections Inc. lawyer. On Wednesday, XXXX XXXX, I called in to Renton Collections in attempt to figure out what some of the account were as I did not recognize them. I was transferred to a XXXX XXXX who laughed when I told he that I wanted to know more about the accounts. She said " oh that's funny because you have already paid on these accounts. '' ( I had not ) she continued to tell me that I had paid them and that I clearly knew I owed these debts. She began raising her voice and continued to state I know these debts are mine. She then told me it didn't matter because they were already at their ( Renton Collections ) lawyer. She ended the phone call. I attempted to call back and was tranferred to someone else who has still not called me back.
Consumer complaint received 2022-05-23
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. (CA)

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

1

5 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 an account without my written instructions
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint to XXXX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX Balance : {$320.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC. (NJ)

I Have Filed A Dispute In Regards To The Incorrect Item On My Credit Report, It Has Been Over 30 Days And I Haven't Received Any Investigation Results.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (OK)

My problem is with American Express. I have been a member since 2016 and recently got into some financial problems and had trouble paying my bill. I turned auto pay off with them 4 months ago so that I could pay when I could. Today, XX/XX/XXXX Amex pulled a payment without my consent for the entire amount owed. This action put me in the red with my bank. I called Amex and was told that I still had auto pay on. I did not and argued with him. They haven't pulled a payment in that 4 months because auto pay was turned off. Now all of the sudden they pull the entire amount and cancel my card. My bank is trying to stop payment. I feel like this is abuse and totally unjustified. I am outraged at Amex and need someone to put a stop to this kind of unlawful practice. 
Thanks
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CCS Financial Services, Inc. (NJ)

I Have Filed A Dispute In Regards To The Incorrect Item On My Credit Report, It Has Been Over 30 Days And I Haven't Received Any Investigation Results.
Consumer complaint received 2022-07-27
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. (NY)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again.
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (CA)

Pondered & later applied for credit to buy a car. I have outstanding credit scores from the " Big 3 '' bureaus. Was denied credit based on a report by XXXX ( now LexisNexis? ) Made request for credit report to determine problem. Letter from LexisNexis indicated " unable to process request ''. Made numerous phone calls... no response ; not one.

Letter from LexisNexis " encouraged '' me to resubmit credit report request. This I attempted, several times. EVERY time received the following response " An internal system error has occurred and we are not able to process your request. Please try again later. '' This has been over a 2-week period. 

I find this outrageous. Where is the CFPB on this? When I search the internet I find numerous complaints against XXXX. What's it take to get action on this?
Consumer complaint received 2022-05-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (CT)

Last year I opened an account with XXXX XXXX and they use comenity bank I bought one item and I made my payments and they XXXX XXXX the last money order I sent out to them and charged me late fees and my credit took a XXXX point nosedive. 
They never fixed it and I paid whatever they asked just to make it stop because it was like digging at concrete with a plastic spoon. I got all that situated MONTHS ago Now suddenly they want to charge me XXXX, for a misposted payment that was a XXXX on their end. I never bought anything from them and now they're trying to steal my money. Now my credit will suffer yet again because of it being at XXXX until this point. The lady on the phone was just talking in circles and kept repeating the same thing and would not help me at all. She then proceeded to just end the conversation and hang up as I was talking
Consumer complaint received 2020-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (TX)

Ihave received a wire from my bank of the total amount XXXX $ from an investor in my business account. 
They hold the account for review since last Friday the XXXX. 
I need to have access to my funds immediately as its my rights to do so
Consumer complaint received 2024-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have contacted XXXX XXXX  numerous times regarding the late payment they are reporting in XX/XX/year>. They have refused to update this to positive even though I was protected by The Cares Act which states due to XXXX  XXXX forbearance program regulations that no late payments are to be reported during the time of XXXX  forbearance program and per 15 USC 1681s2 ( f ). Not to mention that due to XXXX XXXX, I was in a coma that i should not be suffering with this ongoing issue and it is NEGATIVELY impacting my credit score and XXXX XXXX  is the only Merchant that has not fixed this issue.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have sent letters to Experian several times to update the information they are reporting and address that I don't live at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX this is not my address. I have asked them to update my credit report with the correct information several times I have listed below the right personal info. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Please update my info My only social security number is XXXX My only and correct date of birth is XXXX I do not wish to have any telephone numbers on my report My name is XXXX XXXX this is my only name I work for XXXX XXXX XXXX XXXX XXXX My only Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all other addresses from my report as they are not deliverable to me by the XXXX XXXX XXXX XXXX and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2022-05-23
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. (TX)

In accordance with the fair credit reporting act XXXX  act # XXXX has violated my rights. As have XXXX XXXX XXXX. 

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer getting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment under an open end cunsumer plan as late for purpose.
Consumer complaint received 2022-05-23
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. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX 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
Consumer complaint received 2022-05-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt.
Consumer complaint received 2019-11-24
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. (TX)

On XX/XX/2019 and XX/XX/2019 file a disputed against Equifax to verify 3 account on my credit reported the accounts being XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX  XXXX  # XXXX. I asked simply for these account to verified and that send contract in which my signature was on that I signed would be sent to me as proof of said debt. I was told that the debt verified but their was no proof of documentation sent just a copy of my credit report same these object have been verified. I feel that I am been ignored by the the credit Bureau I have attempted 3 times to get this error corrected. I believe I deserve to have a good credit but the disputing process is not being carried out in a professional manor.
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I am using Care Credit which is for medial use only. My mom needs XXXX XXXXXXXX and is going to use that card to pay for it. When the doctors tried to use the card it was declined. The card was never used before so the company closed the account due to " inactivity. '' The problem is that the card is used for medical uses. Legally speaking they should not have the right to cancel the card when I will only use it for a medical emergency or a scheduled XXXX especially without notification. If the doctor 's office was not able to help me reapply or that the application was declined, I would of sued the company for criminal neglect and be legally liable for denial of medical care.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX, XXXX, 2022 I sent in a letter to request removal of a fraud alert listed on my credit file. I have not received an update or confirmation of the removal of the fraud alert.
Consumer complaint received 2022-05-23
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. (FL)

This complaint to XXXX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-05-23
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. (TX)

I have been disputing this account XXXX XXXX XXXX XXXX since XXXX. I have sent EQUIFAX an FTC REPORT BY FAX, MAIL as well as email to both equifax and XXXX XXXX XXXX XXXX. I have explained to Equifax numerous times that this is not my debt and its a result of identity theft. XXXX XXXX XXXX XXXX XXXX  has been removed from both XXXX and Equifax. Equifax removed it in XXXX and then placed it back on my consumer report. on XXXX XXXX I have a recording of an EQUIFAX CUSTOMER SERVICE REP telling me that she seen that Equifax has removed the item from my consumer report and then later had it placed back on my consumer report with the ftc, and police report they have on file. Equifax did a dispute and they said it came back verified I asked the rep who did they speak to? And why was I not notified that it was placed back on my consumer report. No one can give me any answers. I know for a fact that Equifax have 4 days to block and remove an account from a consumer report resulting from identity theft. 15 usc 1681c-2 The courts in Ohio stated that they did not provide information of court records and that the case was dismissed due to lack of evidence on the creditor end So I don't understand why it was even on the consumer report in the first place. I am aware that EQUIFAX has been selling my securities which is security fraud because they are acting as custodians and I did not give them that permission to act as such. SEE 18 USC 1348 securities and commodities fraud. I am pending litigation for this collection account which is frequently placed on my report and by law Equifax is to remove this item immediately and I am demanding removal immediately because it should have never been placed back onto my consumer report especially without my awareness of it. This is defaming my character and has been for 4 years now. I HAVE SENT ANOTHER FTC REPORT SO AGAIN THEY HAVE 4 DAYS TO REMOVE XXXX XXXX XXXX XXXX. AND JUST IN CASE EQUIFAX CANT LIFE HERE IS THE FIRST FTC REPORT # XXXX BECAUSE EQUIFAX CONTINUES TO LIE AND GIVE FALSE INFORMATION ABOUT THEM NEVER RECEIVING THE FTC REPORT. THANKYOU