davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Omega RMS, LLC (MO)

Omega was sent an account for collections from XXXX XXXX for {$200.00} which was fraud. I wrote a letter to XXXX XXXX on XX/XX/17 stating they no longer have athz to withdrawal from my account. That same day they tried to withdrawal {$200.00} ( 2 weeks worth of services for the future ). Omega sent me statements which i explained to them if they look that there was a weekly payment XX/XX/17 that cleared around {$100.00} for that week of services. I took the copy of the letter to the bank when they charged my account. My bank saw it as fraud and returned the payment as NSF, which now Omega has been hired to collect. Omega has also sent me 5 other peoples personal debt information, balance, account numbers with omega, which i have proof of. They have also reported to my credit report instead of disputing this. on XX/XX/17 I requested a no cease and desist and they would not honor a verbal c & d. I do have the recording from the conversation with the rep at Omega. Will be also filling AG and CFBP complaint on XXXX XXXX. I was contacted by XXXX and also the state that was doing an investigation against XXXX XXXX so they did not uphold their end of the contract of care they would provide for my daughter, but want the 2 week notice amount and tried to with drawl the amount when they were told they do n't have athz from my account. All Omega did is get a validation of debt, however I have disputed the way the charge came to place and I did not recieve the services. Then for the rep to say she will not honor a verbal cease and Desist. I do still have mail that Omega RMS sent to me with 5 other peoples letters, that have their account numbers, balances owed and also personal information. I know this is against regulations also. The company is well aware of this as I have informed a supervisor that I have them. I still have a copy of the letter that was given to creative kids and was shown to the bank and reason why they reversed the payment.
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

Dear Sir/Madam. 

On XX/XX/2020 I applied to Citi Bank for a Citi XXXX XXXX Mastercard account, I was denied. The same day they emailed me a letter for the reason, most notably to me was the information was wrong. Their practices are misleading and deceptive, it is obvious in the letter they sent and what XXXX   shows. 

First they said my credit score is XXXX with XXXX and that is not the case at the time of Citi hard credit pull it was XXXX, it is now XXXX because of their pull. 

Citi says I have too many credit inquiries, I have on record two with XXXX one is two years old and the other one is theirs. 

These are totally inaccurate almost if not discriminatory in nature, I checked my credit report immediately upon receiving the citi email XX/XX/2020 I checked my credit score with XXXX and their score for me based on the same date XX/XX/2020 was XXXX as you can see the file I have attached. 

Had Citi informed me that they use old credit agencies reports I may have done things differently thus would not have a hard pull on my file. 

The phone number they gave in the letter to me is only an automated system noway to address any question to a person as stated in the letter.
Consumer complaint received 2023-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (GA)

Called on XX/XX/22 and requested refund of payments made during COVID pause. Balance was finally increased on XX/XX/22. Refund should have been in the amount of {$6100.00}, instead it was in the amount of {$5100.00}. Refund was short {$1000.00}. Still need refund of {$1000.00} that was made during COVID Payment pause.
Consumer complaint received 2023-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (OH)

Although I have already submitted my initial complaint, due to Cashapps negligence on securing my account and funds as promised, and already having been denied, I am now receiving a number of emails, with misinformation and no solid resolution to my claim. Although I was already denied and my case was closed on Friday XX/XX/XXXX ( less than 24 hours after the case was opened, I am now receiving emails, stating that cashapps determination was verified that my account was definitely compromised, and that my account had been secured. First one was on XXXX XX/XX/XXXX stating they determined my account was compromised and would secure it. ( 8 days later from when I called in to report my information had been changed ) Then a second email on XXXX  as well XX/XX/XXXX, stating that a investigation had been started? A second time??? ( original investigation started XX/XX/XXXX, got denied and closed XX/XX/XXXX ) and on XXXX XX/XX/XXXX the final determination of NOT finding any suspicious activity and closing my case, yet again. 

So my issue here is the mixed information Im receiving, the acknowledgment from cashapp that they determined I WAS compromised, but still found no issues. There is a lot of discrepancies in this entire matter. It seems to me that no one is on board with the same information, with a extreme lack of identifying suspicious activity, or any compassion for their clients losses and private information being exposed. I need a resolution and only ask to be returned what was stolen from me. I will attach all the new emails. Thank you for your time.
Consumer complaint received 2019-06-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was informed by XXXX XXXX XXXX XXXX that is account would be removed from all three credit reports. Please have all three credit bureaus remove this account from my credit reoport.
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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I would like to report this incorrect late remark that shouldn't be in the 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 Year 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 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK
Consumer complaint received 2022-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-05-25
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: OneMain Finance Corporation (FL)

I have some credit inquiries that I do not recognize. They were informed only on XXXX XXXX XXXX XXXX - XX/XX/XXXX Onemain financial - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Onemain financial - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-05-26
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (NC)

I received a notice from a company stating they had purchased my account from a Bank. In accordance with the instructions in the original XXXX/XXXX/15 notice from the debt collector, I sent a written request on XXXX/XXXX/15 to the debt collector requesting validation of the debt. The debt collector has not responded to my request as of XXXX/XXXX/15. The debt collector continues to send me notices.
Consumer complaint received 2022-12-19
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

My Debit Card was stolen in the parking lot of XXXX on XX/XX/2023. I contacted the bank immediately because of the notifications received from the bank alerting my husband that my card was used to purchase something at XXXX XXXX. I called Chase Manhattan bank immediately to report the fraud and the fact that my debit card had been stolen. I contacted the police department and he was able to obtain footage of the crime in the parking lot of XXXX. I picked up the police report and faxed the document to Chase Manhattan banks claim department. I received a credit from Chase Bank in the amount of {$5800.00} on XX/XX/XXXX, XXXX for the purchase at XXXX XXXX. I had also notified Chase of an additional withdrawal taken at the ATM from Chase bank in the amount of {$980.00} prior to the purchase at XXXX XXXX. I received a letter from Chase Bank dated XX/XX/2023 stating that I am responsible for those charges because my Pin was used. The bank disregarded the police report and did not ask for the footage of the crime clearly showing the theft in progress.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Please verify that all information is 100 percent accurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. Below is the account in question : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$10000.00}
Consumer complaint received 2022-05-25
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. (GA)

I have reached out to the company multiple times and sent a communication to the company via XXXX advising the debt does not belong to me and requesting the validation of the debt be sent to me and the item be deleted from my credit report. I have filed a CFPB complaint that XXXX XXXX XXXX responded to as " the complaint does not belong to them ''. If they are stating that the complaint does not belong to them, why is it on my credit report. The social security number and date of birth does not match!
Consumer complaint received 2021-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I submitted information to credit bureau 's regarding information on my account. I have not received any update regarding the investigation. It has been well beyond 30 days.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (VA)

On XXXX, after using my debit card at the ATM at a local XXXX store, my card was lost or stolen. I received notification on my phone from my bank there was a transaction made using my bank card ending in XXXX for the amount of {$360.00} on XXXX. I looked for my card, unable to locate the card so I report to my bank Chime XXXX XXXX XXXX XXXX because charge was pending they suggested I reach out to the merchant for refund. I contacted XXXX from a XXXX search which said if an unauthorized transaction was made within 30 minutes contact this number. I reached out to the number, provided transaction time, date, amount was assured they would be escalating the issue to a higher up team then I should be refunded within 3 business days. I received an email that they were unable to locate the transaction. After contacting them several times still no record of the transaction. I contacted my bank they initiated a dispute which has been closed with no errors found. They reopened the case after I sent the emails XXXX sent me to inform about not being able to locate the transactions. They closed the dispute case again with errors found.. I've reached back out to XXXX and still no help and now I'm without {$360.00}. I do not know what to do at this point. The bank is not helping and neither is XXXX.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXXXXXX Please remove it from my credit report. 

8. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX 9. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2016-02-15
Product: Debt collection — Auto
Issue: False statements or representation — Impersonated an attorney or official
Company: INGRAHAM & ASSOCIATES, P.A. (TX)

XXXX a debt collector attorney purchased a Charge off from XXXX XXXX and then Fraudulently filed a Judgement against me XXXX/XXXX/XXXX, using XXXX XXXX XXXX XXXX to be named as Plaintiff. I XXXX XXXX was never informed or served notice to attend Court. The account was reported delinquent in XXXX XXXX and The Vehicle was repossessed and returned in XXXX. Upon numerous attempts in contacting XXXX XXXX I am told that that XXXX has no Judgement filed against me. As of XXXX/XXXX/XXXX XXXX submitted a letter by mail to me stating that XXXX does not " report '' judgements and to contact the debt collector. How can XXXX be listed as a Plaintiff '' if XXXX does not report Judgements? As a Texas resident Statute of Limitations on Auto contracts is 4 years
Consumer complaint received 2022-12-19
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. (GA)

I sent a letter requesting that credit bureau must reinvestigate the disputed account from my credit report as well as update the account from my report during the investigation period. As of this date, you have failed to respond to my request. Here is the account that I wanted to fix. 
XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2019-10-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (FL)

I checked my credit after being denied several times for a new auto loan. I came across an account for CONVERGENT OUTSOURCING with the ORIGINAL CREDITOR as XXXX and the amount owed is {$440.00}. I never received a final bill, or a collection notice from XXXX or from Convergent. My address has changed since the account was opened but my mail was always forwarded, and I never received any notice.
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (VA)

I did everything I was told to do by equifax and they still have not deleted the requested the information.. I called again on XXXX and Equifax told me there was no number on my ftc report??? so I have to send it in again. im am send all information I sent to equifax. the information i am requestion removed has been removed from XXXX. I will include a updated copy of that report..
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 — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

According to the law, US C 1681 and US see 1681S2. I have a right to privacy, and I did not give permission for these to be reported onto my credit report. 

XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-03-10
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. (TX)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2022-05-25
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. (IL)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass. My credit report has to be 100 percent accurate which is not as you can see double accounts, with advaausale. And XXXX is all wrong.
Consumer complaint received 2022-05-25
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: National Credit Systems,Inc. (AZ)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose.