davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
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: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have paid off most debt ; all of my accounts in collections should be closed. I have confirmation emails I printed out. But one company in particular keeps resetting my balance after being paid off completely and closed. The balance I owed was a little over {$3000.00}. On XXXX, it states that the balance was {$0.00} in 2022. I started paying through a third party where my payments were distributed to all of the accounts in collections. I paid off most of them through this third party. I had to stop payments because this company kept harassing me. When I talked to them they said I still owe full balance and didnt see the payments and after an hour of fighting with them, they finally saw that I did pay and the balance left was a couple hundred dollars. So I ended up setting up payment plans with them ; two payments of {$70.00} and {$30.00} were taken out weekly or bi-weekly just to hurry up and close the account. But because of them forcing me to do payments with them instead, I couldnt go through the third party anymore because I was sure that they would still get the money through them. I finally paid the full balance of the two accounts I had open with them ( one ~ {$3000.00} & the other one ~ {$300.00} ) and Received confirmation. Then, after I lost my job they start calling again. They reset the balance and say I owe the full balance once again of {$3000.00} and they were trying to take money I dont owe them out of my account. I had to write my bank and tell them not to allow it because I already paid them off and now they keep harassing me- it has been four months and they call me every single day. I definitely over paid them. Well this is a reoccurring theme. A lot of debt collectors have been trying to scam me like this, but this one has been the worst. Portfolio Recovery Associates. I should have nothing in collections ; it should either be paid or disputed. This is what I get for trying to be responsible and do the right thing. This has made me stop paying everything all together. I swear since COVID, every one is scamming now and money is tight. My credit score was almost at XXXX  finally, I worked hard to do that and now dropped to XXXX I really hope this isnt the reason why it did.
Consumer complaint received 2023-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (DC)

Company called me on XX/XX/2023 and left a vm. I returned their call today. They tried to pry personal info from me. The first time I called, the woman lied and said she worked for XXXX XXXX XXXX XXXXXXXX XXXX. When i refused to acknowledge the debt as valid or give her any info about me, she hung up on me. I called 2 more times. The third time the person told me he worked for a third party For XXXX XXXX XXXX XXXX XXXX. I asked him if he worked for XXXX or not. I demanded to know who he worked for and he said Radius Global Solutions. I then asked him was it a scam company. He never responded to that question. XXXX reviewers say this company extorts money from people who do not want negative items on their reports so they pay. Its extortion. We need our government to protect us from these kinds of predators
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (CA)

Since XXXX of XXXX, I've asked Wells Fargo to Investigate a complaint/claim and Confirm that I have been victim of Identity Theft to XXXX XXXX  XXXX XXXX XXXX XXXX Debt Collector )
Consumer complaint received 2023-03-01
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (OH)

I attended XXXX XXXX XXXX in XXXX Ohio from XXXX to XXXX where I was receiving federal student loans. Midway through the program, the financial aid department stated the college was under a letter of review for the respiratory therapy program and they lost their accreditation. Sallie Mae was the student loan provider at the time and my account was sold to Navient after Sallie Mae was closed down. All my federal loans were placed into a private loan by Sallie Mae without my knowledge and sold to Navient. I was an undergrad in XXXX when Navient started harassing me for payments even though my loans were placed in deferment. During the Navient lawsuit process, I attempt on several occasions to rectify this situation with no prevail. I filed a borrower 's defense application and was notified on XX/XX/XXXX my loans by XXXX XXXX XXXX will be discharged through the lawsuit " Sweet v. Cardona. Every month Navient has increased the loans to over XXXX dollars and I requested a copy of the signed agreement they claim I agreed to and never received it. Why would I transferer my federal loans to private loans? I have spoken to an attorney and will move forward with a class action lawsuit about this fraudulent matter.
Consumer complaint received 2023-03-07
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: ProCollect, Inc. (TX)

PROCOLLECT is violating my rights to privacy 15 USC 1681 section 602. PROCOLLECT is also violating my rights 17 CFR 240.14c-6 by placing false and misleading statements without firsthand knowledge of all stated facts. under 15 USC 1681 section 604 ( a ) 2, a consumer reporting agency can not furnish an account without written consent from the consumer. PROCOLLECT 15 USC 1681a ( q ) ( 3 ) commits identity theft by using my personal information without written consent.
Consumer complaint received 2023-02-20
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. (MD)

To whom it may concern On XX/XX/XXXX I received the dispute for the investigation from Equifax as the inaccurate account has been verified through phone and not through the Equifax website from 3rd party collection agencies. In pursuant to 15usc1681a ( e ) investigative consumer report is there has to be an individual relating to me the consumer, whether it is neighbor, associate, and friends of the consumer who were interviewed about the knowledge of the account on my consumer report. Specific factual information is not included in part of the investigation of my consumer credit record, so the 3rd partys verification is not factual information. What is their method of verification? Who did they interview? What is his/her name? What did the natural person say? If they do not have a specific natural person being interviewed, then they have no method of verification. With no method of verification there is no evidence, failure to provide this information has broken the law and in violation of my right to privacy under congressional findings and statement of purpose. Then Equifax would have to delete this account from my consumer report. Since their verification is not factual then I want " US DEPT. OF EDUCATIO '' DELETED FROM MY CONSUMER REPORT. I WANT ALL RESULT TO GO THROUGH THE CFPB
Consumer complaint received 2022-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

Procollect INC tried to collect a debt that was not mine. They reported this debt to the credit bureaus knocking my credit down XXXX points. They replied to the last complaint saying that the debt was resolved but didnt report this to the credit bureaus. They lied about resolving this issue. I will be forwarding this complaint and their previous response to my attorney and the Texas Attorney General ( Midterms ) so that they can investigate their fraudulent claims.
Consumer complaint received 2024-04-05
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

I had booked a ticket with XXXX XXXX in XX/XX/XXXX for the amount of XXXX XXXX days alter, I filed a dispute over the above transaction with Chase credit card, since I did not recognize the transaction on my credit card. 

XXXX XXXX cancelled the ticket, because I had opened a dispute on the transaction Chase provided provisional credit in XXXX for the Chase rebilled me in XXXX citing that I had lost the dispute and I had to pay for my cancelled tcket XXXX XXXX claims that refund was issued on XX/XX/XXXX, after accepting my dispute ( Refund notice attached ) Chase says that they have not recieved any refund from XXXX XXXX and that I lost the dispute Attaching my request to open a dispute and refund notice issued by XXXX XXXX claiming that they have accepted my dispute Ticket details Booking reference # ( XXXX  ) XXXX Round trip Ticket details ( XXXX XXXX XXXX -> XXXX ) XXXX XXXX XXXX XXXX last name ) / XXXX ( XXXX ) XXXX XXXX ( last name ) / XXXX ( fn ) Email ID on booking XXXX XXXX
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (UT)

Opened a checking account on XX/XX/XXXX, using a promotion page where Citi was offering a Tiered Bonus based on the amount deposited to a new Citibank checking account. The offer was a {$1500.00} bonus for maintaining a balance of {$200000.00} or more ( deposit within 20 days of opening, and maintain that balance for 60 days ). 

On XX/XX/XXXX, I deposited {$200000.00}, and to be safe, I added an additional {$5000.00} on XX/XX/XXXX. I maintained a balance of {$200000.00} or more from XX/XX/XXXX to XX/XX/XXXX. I used chat support with Citi in XX/XX/XXXX to confirm that I was on track to receive the bonus, and they responded " as I can see the amount will be credited on your account by XX/XX/XXXX ''. 

On XX/XX/XXXX, after not receiving the bonus, I contacted Citi again using the chat feature and received the response " As I have checked you met all the requirement for the bonus '' and that they would open up a dispute. On XX/XX/XXXX I called Citi after not receiving an update on the dispute ; the representative on the phone confirmed I had met the requirements for the bonus, and explained that there was a delay due to the case being moved to a different agent. 

On XX/XX/XXXX, I received a message from Citi with the message " Unfortunately, we are not aware of any promotions offered in conjunction with the opening of your account. ". After calling Citi multiple times after, they claimed that there was no promotion attached to the account, and did not offer an explanation of why I was told on the contrary multiple times in the past that I had met the requirements of the bonus. 

I would not have opened this account if it were not for the bonus, and if I were not reassured multiple times that I had met the requirements and that I should be receiving a bonus, I would have closed the account earlier. Instead, I opened up a checking account due to their promotion, and kept my money in the account because I was told that the bonus was still coming, but that it was delayed. I have still not received any bonus.
Consumer complaint received 2023-02-17
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. (PA)

XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # 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 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. ()

I am a US citizen. I lived in the US for many years but I have now relocated to the XXXX. I do not have a US mailing address or a US residence address, or a US phone number. I do not foresee any need to obtain a loan from a US institution so I wish to place a security freeze on my credit reports to protect me from fraudsters. I tried to place freezes in XXXX following the XXXX hack and I was successful with XXXX  but not with either Experian or XXXX. I received an email on XX/XX/XXXX from an affiliate of my US credit card company advising me that it had detected new activity associated with my social security number. That day I attempted to place security freezes on my reports with Experian and XXXX  but in each case I was prevented because the agencies require US addresses and/or US phone numbers. The agencies ' websites have very limited  mechanisms for a consumer to communicate with the agencies, and I was unable to find a general email address or phone number for a consumer inquiry. The credit reporting agencies might not be required by law to place security freezes on my credit reports but equally they are not prohibited from doing so. The agencies should consider the interests of the consumers in controlling their financial and personal data.
Consumer complaint received 2023-02-28
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Greetings my complaint is driven by Capital One lack of respect do to me, As a Consumer, I have rights so I choose to exercise them. I contacted Capital One to inform them of the inaccurate reporting of my private information and how continuing of such reporting would be against consumer law and an act of fraud as I will prove to you also There are XXXX alleged debts that they are reporting on my consumer profile both are Collections according to my XXXX Profile, I have disputed these accounts numerous times with XXXX and they refuse to Delete them, they always give me the same answer Verified, Only I can Verifiey something. Now Only on my XXXX profile are these accounts being reported I disputed them with a couple others reporting agencies like XXXX and XXXX XXXX and they deleted them ( no problem!!! ) so after so many failed attempts I reached out to Capital One on the XX/XX/2023 which I will attach ( Now that alone should be enough reason to show that the information is indeed inaccurate because the same information is not being reported across all the other third-party reporting consumer agencies, and only 100 % accurate information can be reported according to consumer law that's grounds for deletion, Also according to 15 USC 1681A ( 2 ) ( a ) ( i ) *Transations are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to 15 U.S. 1681 ( e ) income is not included in a consumer report so if income is not part of a consumer report and a charge-off/closed account has been reported it is fraudulent and deeming it illegal because they filled a XXXX and did not inform me. They never sent me a XXXX form to inform me that the alleged debt was canceled and they never sent my XXXX so I could file this income on my upcoming taxes Both alleged debts are as stated XXXX is {$4400.00} and the other one is at {$3900.00} which was originally {$3000.00} and they taxed {$900.00} on it. I filed Identity theft to that charged account because my CC was unlawfully used and they refused to do anything about that and I filed a complaint with XXXX against them and identity theft with identity-theft.gov, when this occurred last year by Consumer law a Creditor can not report an identity-theft account as a Charge-Off on a Consumer report and once again if they canceled the debt by way of Charge-Off then they owe me a XXXX for that alleged debt too. My rights have been abused and misused by both companies Capital One and XXXX for due process by law I need these accounts deleted and Cease and Desist from any and all future
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (MD)

XXXX has not sent the correct status of an alleged student loan debt in the amount of XXXX to all three major credit agencies. The alleged student loan debt was closed XXXX  yet all three agencies are reporting damaging information on my consumer report.
Consumer complaint received 2024-04-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Chime Financial Inc (CO)

Dispute for my tax money that Chime will not disperse to me after shutting down my account. 

I, XXXX XXXX had my XXXX tax return sent to my Chime account. I received a notice on XX/XX/XXXX that my taxes in the amount of {$4900.00} were going to be in my account and on XX/XX/XXXX, My chime accounts were closed. Chime sent me a check for my remaining balance that was in my account, {$4600.00} I have tried to cash this check at the XXXX XXXX XXXXXXXX because it was the name of the bank on the check. They would not cash the check saying it can not be verified. I went to XXXX other places no one could verify the check I uploaded the check onto a friend account using mobile upload on XX/XX/XXXX, Chime denied the check being cashed. I tried to upload the check onto my mothers account XX/XX/XXXX after we read the terms and conditions again, I signed the check over to my mother was sent a message saying the check can not be cashed. I have requested that my account be open so I can receive my cash off from my account. Chime denied me. I have done everything that I had read on the Chime website to get my money chime has denied me. I am now immediately after sending this email to Chime going to be contact the the XXXX XXXX XXXX, XXXX Police Department to file a complaint, XXXX XXXX XXXX  the Consumers Financial Protection Bureau and the IRS. I would like someone to contact me about receiving my money. It was my tax return and they are putting me in a financial hardship by keeping my money away. This was not fraudulent. This was a federal income tax return
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC (CA)

Id like to report an unanswered billing error with Carvana XXXX XXXX XXXX XXXX, that requires proof of account and how much of the debt, if any, is still owed. I conditionally accept their offer upon proof of their claim. 
On XX/XX/2024 we sent in our initial payment. It was returned to me on XX/XX/2024 as unacceptable. I reported the billing error via email on XX/XX/2024 AND via Registered Mail on XX/XX/2024 via Certified post with tracking # XXXX. The latter was sent to their Corporate address at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. Copies of documentation sent are attached.
Consumer complaint received 2023-03-07
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: Experian Information Solutions Inc. (OR)

I have attempted to file disputes and have information on my credit reports updated to reflect the current status, account balances, etc. of various accounts on my credit. Each time I attempt to file a dispute the companies decline to update my information to reflect accurate information. The following is accurate. 

On XXXX I contacted XXXX, a credit card company, and found out that my account had been charged off. They provided me with contact information for XXXX XXXX, the company that now had my account. On XXXX I spoke with a representative and paid the account in full, as agreed per the settlement offered. Attached is a recent shot of my bank account showing this debit from my account. 

On XXXX I contacted XXXX, a credit card company, and found out that my account had been charged off. They provided me with contact information for XXXX, the company that now had my account. On XXXX I spoke with a representative and paid the account in full, as agreed per the settlement offered. Attached is a recent shot of my bank account showing this debit from my account. 

On XXXX I contacted XXXX XXXX XXXX. They informed me that I had a collection account for XXXX trash company ( a past-due bill ). I paid the balance, per the settlement agreement in full. 

On XXXX I contacted XXXX XXXX XXXX XXXX company. They informed me that I had a collection account for XXXX. I paid the balance, per the settlement agreement in full.