davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

Loan me has not addressed the issue still. Stop sending vague responses. I attached PROOF OF EVERY SINGLE EMAIL I SENT TO LOAN ME. LOAN ME DID NOT RESPOND TO MY EMAILS AT ALL!!!!!! THIS IS THE ISSUE AT HAND HERE. THEY RESPOND AND IGNORE THAT ISSUE. THERE LACK OF RESPONDING IN WRITING TO EVERY EMAIL AND QUESTION I HAD AND DISPUTE I HAD PROVES THEIR WRONG DOING. EVERYTHING WOULD HAVE BEEN IF THEY RESPONDED IN WRITING WHICH THEY REFUSED TO AND IGNORED. I AM NOW SENDING THIS WITH ALL PROOF TO THE STATE OF CA BUSINESS OF OVERSIGHT AS WELL AS THE ATTORNEY GENERAL. AND YES I REFUSED TO SPEAK OVER THE PHONE BECAUSE YOU ARE LIARS OVER THE PHONE AND HARRASSING AND RUDE. I WANTED EVERYTHING IN WRITING FROM YOU AND SENT DEMANDS TO HAVE THIS IN WRITING WHICH LOAN ME REFUSED!!!! I HAVE PAID YOU OVER XXXX AND LIKE YOU SAID THE LOAN WAS XXXX YET YOU CLAIM I STILL OWE YOU XXXX UNBELIEVABLE.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Management Control, Inc. (TX)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC. (KY)

I opened a credit card account with Ollo Credit and then after having had the credit card for an extended period of time, Ally Financial purchased Ollo Credit. When Ally purchased Ollo, I had a contract with Ollo for settlement. Ally, as soon as they purchased Ollo, began harassing me sending me threatening letters and telling me I was behind on payments. I spoke with Ally many times, and explained the contract and the contract would be " found '' by Ally and they would tell me the contract has to be followed and all was fine. Then, the next month the same thing would happen. 
I continued the entire time making my contracted payments. I tried to log in in XX/XX/year> to change my checking account number and a screen popped up stating that my account had been Closed and written off and I was denied access to my account. 
I checked my credit report and it has been reported as written off. I called Ally and was told due to not making any payments it was written off! I have every month 's documentation where the payment was made as agreed! 
The account contract was to paid at {$72.00} for 36 months. I had not missed a payment. 
I asked them to correct the situation and email me the updated information. They refused to email me anything and stated they would " send forms to some other office ''.
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items 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 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 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-07-30
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. (MA)

This letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe XXXX {$3000.00} or my account was charged off {$3000.00} XXXX, This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (OH)

Fraudulent inquires are reporting on my credit report from XXXX, XXXX, Experian, and from the companies listed below. The fraudulent inquires are damaging my personal credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NC)

My account got blocked without notice or warning, so I decided to call them American express but the representatives kept on telling me my account couldn't be found they said my social security number isn't on their database, and it's annoying. 
it's been up to a month and I haven't gotten a reply from them
Consumer complaint received 2023-04-21
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: Shellpoint Partners, LLC (AZ)

I have had my mortgage with XXXX XXXX XXXX for over two years. During that time I never paid late. My loan was recently transferred to NewRez in XX/XX/2022. The process was very confusing and I received little notice. I ended up paying my XXXX mortgage late according to NewRez. However, I expressed to them how confusing their website was along with their app and was rest assured that because of the transfer there would be leniency. They ended up reporting me late although I was told by law I have a 90-120 day leniency for credit reporting during the transfer process from XXXX to NewRez. They reported me on the 31st day! I tried to dispute with the credit agency and got nowhere. NewRez would not help either. This has damaged my credit severely and has stopped me from pursuing financial prospects. I have worked very hard for the last 3 years to build my credit up and would appreciate a further investigation into this matter. Thank you for your help.
Consumer complaint received 2021-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (VA)

I received a scam call voicemail at XXXX on Thursday, XX/XX/2021 telling me that hundreds of dollars had been charged to my XXXX XXXX Account. I called XXXX back at XXXX and told him that I knew this was a scam and he needed to take my phone number off of his list. I went to the Amazon website and it said to notify you.
Consumer complaint received 2022-10-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

hello my name is XXXX XXXX and i received a letter that says i opened an account but i don't know please delete that account it was fraud of my identity reference number is XXXX Total amount is {$790.00} I not get that card
Consumer complaint received 2021-07-30
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. (AZ)

I have U.S. Bankruptcy Court XXXX UNAUTHORIZED which is not my file on my record. 

I have tried plenty of times to get this inaccurate account removed from bank report which other bureaus have remove except Tranunion
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (GA)

This grumbling to ALLY FINANCIAL was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC numbers XXXX
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Subject : Formal Consumer Dispute Letter to the CFPD Dear Consumer Financial Protection Bureau, I hope this letter finds you well. My name is XXXX, and I am writing to bring to your attention several violations of consumer protection laws by a collection agency, which have adversely affected my financial standing and consumer rights. 

Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency in question has placed a collection on my consumer report without providing the necessary validation information, as required by 12 CFR 1006.34 ( b ) ( 5 ). This omission has caused significant distress and has a direct impact on my creditworthiness. 

Denial of Opportunity to Dispute Account ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been afforded the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process violates my rights as a consumer and undermines the fairness and accuracy of the information on my credit report.

Violation of Consumer Rights through Deceptive Means : The collection agency is engaging in practices that violate my consumer rights by employing false, misleading, and deceptive means. Such actions undermine the integrity of the credit reporting system and create an unfair advantage for the collection agency at the expense of my financial well-being.

Unauthorized Furnishing of Account Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) ) : The collection agency has furnished my account information to consumer reporting agencies without providing the necessary disclosures mandated by law. This clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) further underscores the agency 's disregard for legal obligations and my rights as a consumer.

I kindly request that the Consumer Financial Protection Bureau thoroughly investigates these violations and takes appropriate action to rectify the situation. I believe that by addressing these issues, we can uphold the principles of fairness and consumer protection that are integral to a just financial system.

Thank you for your prompt attention to this matter. I am confident that your intervention will contribute to the resolution of these issues and the restoration of my consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OR)

This is a business account owned by my XXXX XXXX XXXX father who is suffering from XXXX and other terminal illnesses. He is was not able to keep track of his bank account transactions. I am now handling his finances and authorized to do so ( on file with the bank ). I noticed the fraudulent charges and contacted Chase bank fraud department within minutes of reviewing his account. 

There are 12 fraudulent charges totalling {$24000.00}, all from the same " vendor ''. 10 of the 12 charges have been reversed. A charge of {$5000.00} on XX/XX/2022 was not reversed. A charge of {$5000.00} on XX/XX/2022 was not reversed. Chase bank is stating the error was not reported in a timely manner. 

Chase bank failed to protect my elderly father 's account resulting in a {$10000.00} cost to him. The Chase bank internal policy is the only reason they refuse to refund his funds. Two separate claims were denied to reverse these charges. Please assist me in recovering his money.
Consumer complaint received 2024-02-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NJ)

XX/XX/scrub>XXXX XXXX XXXX a debt for {$580.00} showed up on my credit report from a company called LVNV funding. I received daily notifications of mail comes to my house through the US post office called informed delivery. Ive never seen a letter come to me from this company, telling me that theyve purchased a debt or that I have a debt or how much I even owe a debt for. It just showed up on my credit report and lowered my score by XXXX points without giving me the opportunity to pay it dispute it or even know what this is.
Consumer complaint received 2021-07-30
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca. XXXX XX/XX/XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Last four digits of social security number : XXXX To whom it may concern, Im writing this letter to dispute the following accounts : This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows :
Consumer complaint received 2024-03-27
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: SYNCHRONY FINANCIAL (NY)

My complaint is that synchrony bank supposed to do a soft inquiryOn my XXXX  credit report my social securi ty securtiy number XXXX XXXX date of birth when i apply for XXXX XXXX matress it said on the prequalfy website and then i get declined i check my XXXX credit report it shows hard inquires from synchrony bank instead of soft can you please have synchrony bank remove these hard inquires reason is that is supposed to be soft theirs a total of 8 hard inquires on XXXX and XXXX XXXX and on my XXXX XXXX XXXX XXXX account they reduced the credit line from XXXX to XXXX with out telling me and i was planning to have my bathroom fix
Consumer complaint received 2024-02-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (TX)

I originally disputed this with JPMCB because at the time it was reported that my first missed payment was in XX/XX/XXXX.. I asked as a courtesy because it was approaching the 7 year mark if they could remove it.. not only do they not remove it they changed it to where now they moved the months of delinquency around they also moved the year around from XXXX to XXXX adding a whole another year to this purposely so that they to keep this on my record without any explanation.. you can't do that you can't report incorrect information and change it.. the facts are the facts .. they have their records that show when this was first reported delinquent.. they didn't just discover as soon as we disputed this that all of their information has or is wrong.. now going to add a whole another year and whole other months that they've never reported before and per the 7-year agreement it starts the date of the first missed payment.. I have pictures of what was reported originally and have pictures of what they purposely illegally reported I'm asking for this to be removed off my report it's long overdue and it's illegal trying to change my information just so they can purposely keep this on my report that's discrimination.. this needs to be removed on all three credit bureaus..
Consumer complaint received 2024-08-16
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. (FL)

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$320.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

Greetings Im a previous account holder at Chime. I had a checking account with about {$40.00} & a savings account with about {$2300.00} that was closed once I tried receiving government issued funds. 

Intitally when the accounts closed on XX/XX/2021 I was told that I would be receiving a check for the remaining amount of money in the next 90 days but never received it. However on XX/XX/2021 I received an email saying if theres any balance due a check will be mailed to the address on file. 
As I waited to receive the missing funds on XX/XX/2021 I received another email saying Upon carefully checking your account, I can see the check has still not been sent out. I wanted to let you know that I've escalated this issue and our team is making progress on your request, and we just need a bit more time.
Consumer complaint received 2021-07-30
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. (DC)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX WASHINGTON, DC XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, account is reporting 30,60,90,120 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.