davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. (CA)

I have a XXXX XXXX XXXX XXXX XXXX XXXX loan which has been transferred to SST. The original terms of this loan is I would be lent {$4000.00}, {$2000.00} which goes to me immediately, and the other {$2000.00} into a savings account which I can access after paying off the loan. I've paid off the loan TWICE on XX/XX/XXXX which they then added an additional {$80.00} so it wasn't paid off, and then again on XX/XX/XXXX. I've asked how I can access the {$2000.00} in the savings account and no one can give me a straight answer. I've called everyday since XX/XX/XXXX and emailed a handful of times with no luck. I want my {$2000.00} that is owed to me!
Consumer complaint received 2020-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (TX)

The collections agency on my credit report states : Trident Asset Management. The account says it was opened XXXX XXXX, 2020 and I have not received any communication on what this would be for. I have tried calling and I get no response only a demand that I must pay. They are unable to provide me any information on the debt and will not send me any proof, they only tell me to mail a payment to their address. On my credit report it states the original creditor was XXXX XXXX XXXX XXXX and when I called them directly they stated that they don't have anything in their system showing I held an account with them. The total they are trying to collect is {$310.00} and I can not get any information on this from them and it is hurting my credit.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CT)

Citi closed my checking account on XX/XX/2022 due to suspected fraud. The account had been open a little over a week. The account had $ XXXX in it at the time. I attempted to make an XXXX XXXX purchase to a merchant and it was marked as fraud. An agent from the fraud department called me and I confirmed the transaction and I was successfully able to process the transaction. I then attempted to make another XXXX XXXX purchase with the same vendor and it was once again flagged for fraud when I called back again, they told me that they decided to end the relationship with me. Prior to this, this account was only used for incoming transfers from my external bank account and paying credit card payments. This was all the money I had, and I will now fall behind in all of my bills, waiting XXXX to XXXX days for my money. There was no fraud on this account whatsoever. I called a branch and they were also unable to help due to the notes that they viewed on the account.
Consumer complaint received 2023-01-06
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I been reaching out to the company regarding a late payment from 2017 and was told by XXXX XXXX that paperwork will be sent out regarding removal. I never received paperwork so I sent a letter to the complaint department twice via certified mail and of course I got no response. I tried disputing it through the credit bureau and it just stay in pending and then a letter come out saying unable to remove.
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Please reference complaint numbers XXXX and XXXX from XX/XX/. 

As of XX/XX/, per my local court clerks, this file has not been withdrawn and no " hardship hold '' has been placed on my account. This company stated to CFPB on XX/XX/2020 that a 60-day " hardship hold '' was placed upon my account. There is no hold, they are pursuing legal action, during a national emergency. XXXX and XXXX have lied to the CFPB, a government agency, and should be held liable. Capital One Bank, ( who has not yet even responded to the XX/XX/2020 complaint ), should also be held liable for the actions of their representative party. 

If the CFPB desires me to furnish the recorded telephone call where the XXXX and XXXX agent says to me that I do not have to respond to the summons of the lawsuit, I will gladly do so. It has already been given to the Attorney General of Texas and the XXXX XXXX of Texas. 

I will also begin to visit Capital One 's social media pages and demand to know why they would decide to file a lawsuit against a person who has continually attempted to get on a hardship payment plan, especially during a national emergency. I will also demand to know why, ( as XXXX and XXXX stated in the attached letter response ), they would NOT take the file back into their possession.
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX 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 2020-04-08
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. (TX)

I notified Experian of an inaccuracy on my report by national credit adjust. This same account was reported to Experian by another company, XXXX XXXX XXXX XXXX which was deleted on XX/XX/2019 because it was proven invalid. Experian created what they called an investigation which lead to the incorrect/fraud info to remain on my report after they deleted this same info by another collection agency previously. This information is completely false and should not remain on my credit. Please help!
Consumer complaint received 2020-04-08
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. (CA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-04-08
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. (CA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-10-15
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2023-12-18
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)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (AZ)

I received a letter dated   XXXX   XXXX    2017, and  called the  Ability Recovery Services LLC to pay the debt. The original amount was {$69.00}, and they sent me a   collections notice for {$83.00}. I called to pay the {$83.00}, and was told they already sent my account to collections. I paid the " {$83.00} '' and completed my call. After a couple minutes the receipt came through on my email and they charged me {$88.00}. I called multiple times and the phone number no longer worked. I   XXXX    another number for them and called, and they told me that they charge everyone an additional {$5.00}, although they do not tell people. I was sent to multiple different people and they told me that the additional fees were not charged by them, but by the   XXXX   XXXX   XXXX  . After talking to the   XXXX   XXXX   XXXX   XXXX   XXXX  , she advised me they do not charge additional fees other than a late fee, which brought my account to {$71.00} and some change, and that the other fees were the collection agency. I told the collection agency that I did not authorize an additional {$5.00} fee to be charged to my credit card, and no representative told me they would charge my card an additional fee. After being passed around and put on hold for a lmost 20 minutes, they finally told me everyone was out of the office for the day and to m aybe try calling back tomorrow. Charging my card for an unauthorized amount is illegal, and it is not my fault that their representative failed to tell me there were additional fees on top of the fee that was sent in the collection notice.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX, LCI, XXXX, XXXX, Transunion are reporting a XXXX XXXX Bankruptcy that is inaccurate. US Bankruptcy court has already verified that they do not report or verify public information. 

The bankruptcy that is reporting is inaccurate, unverifiable, and should not be on this credit report. A XXXX XXXX bankruptcy was not filed on XXXX. 

None of these companies have sent back any proof or verification. XXXX, XXXX, XXXX and LCI never even responded.
Consumer complaint received 2023-02-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (PA)

On XX/XX/XXXX, I used my Chime app to authorize a {$1000.00} transfer from my personal checking account at another bank into my Chime checking account. This transfer was from an account I had previously linked to Chime and had used to make multiple transfers from my other bank account to Chime, which I use as my primary saving 's account. 

On XX/XX/XXXX, Chime emailed me to say that due to unusual activity on my account, security measures were in place that would limit my ability to use or transfer my funds. I have received multiple emails from Chime requesting various documents to verify the deposit and my identity. Each time I have submitted additional documents, I have received an email reply that the documents were insufficient and Chime needed different supporting documents to resolve the limits placed on my account. 

I have requested multiple times to speak with a representative who can explain to me what specific issue has occurred and why the provided documentation has been insufficient. Instead Chime has sent more email communication explaining that they will not resolve the issue until the additional documentation is provided. 

I have provided Chime with the following documents to try to clear the limits on my account : 1 ) front and back copy of my PA driver 's license and change of address card ; 2 ) recent transaction register from my non-Chime checking account, showing the {$1000.00} transfer to my Chime account authorized on 2/13 ; 3 ) a pay stub from my employer ; 4 ) a selfie of me holding my PA license and a paper with my name and the date ; 5 ) my last available bank statement ; 6 ) a letter outlining the source of the deposited funds and my reason for depositing the funds ; 7 ) a copy of my signed social security card, with all but the last four digits redacted to ensure this information isn't compromised, and because Chime already has my full SS number and has used it to verify my identity on customer service calls.

Chime has refused to provide additional information about the initial issue or the reasons the verification I provided has not cleared the security measures from my account. Chime has currently limited my access to the over {$8000.00} in my account to increments of no more than {$100.00} for credit and debit transactions, and has shut down my ability to transfer money in or out of the account at all.
Consumer complaint received 2020-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

Chase Bank debited {$5300.00} on XX/XX/2020 from my account for transactions that had happened between five and 8 months prior to the date. They have said they were doing a fraud investigation at the beginning of XXXX, however, at the conclusion of the investigation in XXXX, they made it clear that I had done nothing wrong. Then, a full four months later, with no notice and no explanation, the {$5300.00} was drawn from my account. I have escalated this issue to multiple levels of Chase, including their executive office and they had said they will not help me. I have provided them with the most specific guidance I could find, which was directly from you guys ( CFPB ) and they refused to review it. I believe that the checks in question needed to be reported within 60 days, which certainly was not the case here. With Chase now refusing to help, I'm asking for you guys to try to step in. 

The transactions in question are included below : XXXX {$2200.00} XXXX {$770.00} XXXX {$810.00} XXXX {$1500.00} https : //www.consumerfinance.gov/ask-cfpb/how-do-i-get-my-money-back-after-i-discovered-an-unauthorized-transaction-or-money-missing-from-my-bank-account-en-1017/
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

i was a victim of idenity theft collection agency : XXXX XXXX  date XXXX Collection agency : Convergent Outsourcing, INC {$350.00} XXXX XXXX XXXX XXXX {$180.00} Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$440.00} Collection Agency : XXXX XXXX XXXX XXXX XXXX : {$610.00} XX/XX/XXXX Collectional Agency : XXXX XXXX XXXX
Consumer complaint received 2023-01-06
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

Violation of 15 U.S. Code 1681c2 ( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. 

I, the consumer initiated a dispute XX/XX/2022 the consumer reporting agency just started the investigation. The consumer reporting agency has not indicated the facts in the consumer report That includes the disputed information. That is clearly Willfull noncompliance.
Consumer complaint received 2022-02-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Circle Internet Financial (TX)

I have {$8100.00} that I attempted to withdraw from Poloniex and they kept telling me that I had to deposit a matching amount to withdraw my funds. Then they gave me a number to use on XXXX. There it was a tax after tax. I did deposit {$4900.00} then another fee of {$1100.00}. Then they wanted an income tax of {$3100.00} which I did not pay. A grand total of {$14000.00}.
Consumer complaint received 2020-04-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IN)

Sallie Mae calls multiple times per day on a loan that they already approved for forbearance. I am only the co-signer, and yet, I get at least 3-5 calls every day. That to me is harassment.
Consumer complaint received 2022-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited a Class Action Settlement check at a Chase Bank ATM check deposit on XX/XX/2022 at the ATM at the Chase Bank branch on XXXX XXXX in XXXX XXXX, California. The check was for {$5400.00}, made payable to XXXX XXXX. 
XXXX XXXX XXXX XXXX BENEFITS TRUST. Chase Bank will not return or release the check to me, XXXX XXXX. Chase Bank closed my checking account on XX/XX/2022
Consumer complaint received 2020-01-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I financed a car for my son with Capital One Auto Finance on or about Fall XXXX. The car was subsequently repossessed in late XXXX ( possibly early XXXX ). Capital One Auto Finance has since charged-off the loan. At this time, Capital One Auto Finance is reporting the debt as " late '' on a monthly basis since XX/XX/XXXX. Capital One Auto Financing 's inaccurate reporting of my debt is having an undue negative impact on me. I have contacted Capital One Auto Financing on various occasions, and they refuse to correct the error. This behavior could be considered bullying as it is going on 6 years since the loan was defaulted. I am requesting that Capital One Auto Finance correctly report the debt and immediately cease to report a charged-off debt as " currently '' late on a monthly basis.
Consumer complaint received 2023-02-23
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( address, accounts or Bankruptcy : XXXX XXXX XXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXXXXXX XXXX Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$43000.00} ; XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$43000.00} ; XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX.