davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OH)

On XX/XX/XXXX, Chime Financial , Inc placed a suspension on my account. They stated the reason for the suspension was to verify the source of funds. The deposit was from my XXXX Income tax. All documents that Chime Financial , Inc requested were provided on multiple occasions. After a couple of weeks of calling and sending the same documents every day, Chime Financial , Inc closed my account stating they could not verify, and no refund can be given. I am placing this complaint because I sent everything that was requested for verification with no resolution, resulting in me being months behind on my bills because I have lost the rights to my own money. 



Date Suspension was placed : XX/XX/XXXX. 

Amount of loss due to closure : ( Approximately ) {$11000.00}
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

My name should only be listed as : XXXX XXXX The only address I have is my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all other addresses and names Remove 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 2019-04-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

XX/XX/2019 XXXX XXXX {$300.00} Debt collection agency by the name IQ data international called XXXX at XXXX. The debt collectors threatened that our credit would be affected, and he was about to file us as delinquent.
Consumer complaint received 2022-10-26
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. (OK)

I Sent Equifax all the required documentation pursuant15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
They have mailed me back XX/XX/XXXX and Stated They are not blocking information pursuant to section 605 of the FCRA, attached is the full publication of that section which is Statue 15 USC 1681c-2 ( c ) in the original Dispute I wrote a statment '' There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. " That statment Alone take away any chance for any A ( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
Consumer complaint received 2019-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (GA)

RE : Toll Violation # XXXX I contacted this agency because I found out I owed money from a third party but never received a bill. I asked them why they never sent one and wasn't provided an answer. In addition to me speaking with them, my assistant spoke with their rep named XXXX on XX/XX/XXXX. She confirmed the total amount due was {$140.00} and that it would bring the account to zero balance. She was asked again to confirm this was the total due and she did. The phone call was taped, so please review it. She also stated all the violations were from XX/XX/XXXX, which didn't seem correct. When asked for an invoice she said they didn't send those. I didn't believe the amount was accurate either, and was never provided with proof it was my car that used the toll road when they claimed I did. I know I used it a few times, but the amount seemed high for the low usage. 

Nevertheless, the total due was paid by money order. Shortly after, a letter arrives stating ANOTHER {$50.00} is due and that these violations are also supposedly from XX/XX/XXXX. 

I am disputing this amount of {$50.00} since I was told {$140.00} was the TOTAL due and this amount was paid. I didn't dispute the {$140.00} even though I should have as I was provided no evidence and never received an invoice. Mistakes are common and it appears I'm being billed fraudulently, or for someone else 's usage. But I chose to pay without dispute to save time. I will now take note of any time I use the toll road to prevent this scam in the future. 

It takes time out of my busy schedule to dispute this company 's inaccurate, unfair and unethical billing. 

I tried to email them but there is no email address on the statement or their website, as far as I can tell. I called them but they kept me on hold way too long, and then their rep asked too many invasive questions in supposedly trying to verify the account AFTER she was given the violation number and my full name and address.
Consumer complaint received 2023-07-06
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)

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 items XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-04-16
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My XXXX credit report has absolutely no record of any reporting on my 2 credit card accounts with Capital One. I have made many phone calls to both Capital One and XXXX over the past several months but this problem is still not solved. 

XXXX says that Capital One is not reporting. Capital One says they are reporting. XXXX tells me to contact Capital One. Capital One tells me to contact XXXX. Nobody is willing to take action to solve this problem. 

I wrote a letter to XXXX to dispute my incomplete credit report on XX/XX/2019. They responded by sending me a copy of my credit report. However, I was not requesting a copy of my credit report. Rather, I was disputing the incompleteness of the report. 

By failing to properly respond to my complaint within 30 days, XXXX has violated my rights under the Fair Credit Reporting Act.
Consumer complaint received 2019-04-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

The company Sallie Mae was taken to court for defrauding service members such as myself in XX/XX/XXXX.  My account was settled they issued a notice and release of claims. My loans were to be removed and I was to be paid a fee in exchange for not pursuing any further claims for damages. They were found guilty of fraud thereby violating the terms of the agreement rendering the contract no longer valid. Since then the company Sallie Mae transferred the old loans which were no longer valid to Navient who has now begun to harass me and reported to the credit agencies that I'm delinquent and they split it into 6 different accounts and this remains the status as of XX/XX/XXXX. The calls started in XX/XX/XXXX they pressured me into forbearance while I looked for the old paperwork to figure out the situation. They added on a bunch of fees and interest as well. The matter has already been litigated as I pointed out earlier. I have requested validation of the debt. I have demanded the original hand written promissory note signed between myself and Sallie Mae. I have also requested any and all documentation involving my loan to include the settlement documents from the previous litigation between Sallie Mae and the federal government in the state of California. They have not complied as I doubt they have any of the paperwork or they have it and are aware it proves the case of fraud against them.
Consumer complaint received 2023-06-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (TX)

Ally Financial and their business partner XXXX XXXX sold me a vehicle, deceiving me about the value of the vehicle, ability to refinance, and my credit worthiness. They took advantage of my naivety, marking up the vehicle over 150 % above XXXX, promising me I'll be able to refinance 6 months later, and ensuring me the validity of a deal to ensure me in a contract that put me at a significant and long lasting disadvantage. This was confirmed sic months after the deal by the XXXX of the same dealership, who told me I was taken advantage of. Ally Financial knew this was happening and enable and participated in this fraud. I believe they did this because I was an XXXX XXXX XXXX woman, and discriminated based on my age and XXXX.
Consumer complaint received 2019-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am being robo-call harassed daily by a collection company called Porfolio Recovery Associates. They are calling in an attempt to collect on an old debt long past the Statute Of Limitations. They are trying to trick and bully me into making a payment to reset the SOL clock. I have repeatedly told them that they do not have my permission to call my phone. I have ask them to stop calling me and to take my number out of their robo-call system. They have ignored my requests and continue with the unwanted robocall. I would like to sue Porfolio Recovery Associates in a court of law for {$1500.00} per robocall and am now keeping a log of their continued harassment. These near constant robocall are causing me mental and physical stress.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My social security number was illegally stolen, used and traded by the following person : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I filed a complaint with the XXXX. My XXXX Complaint # is XXXX. The following accounts need to be deleted from my credit profile immediately. 

2 accounts were fraudulently opened in my name. 
1 ) XXXX XXXX XXXX - Limit {$700.00} Opened : XX/XX/XXXX 2 ) XXXX  XXXX Limit {$300.00} Opened : XX/XX/XXXX
Consumer complaint received 2019-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I have been enrolled in auto-debit with fedloan. Payment did not get withdrawn on time and there was no note on the website acknowledging that the payment was pending. In order to prevent a late payment on my loans, I submitted a manual payment. Afterward, I called fedloan and the representative told me that just one payment was pending. Then, the next day, the manual payment went through and my auto debit withdrawal went through, so I ended up submitting 2 payments instead of 1. When I called fedloan, the representative said that I will receive a refund of the payment I submitted manually within 60 days. The representative said I will not receive an email or any record confirming that I will receive a refund.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (TN)

On XX/XX/2023 I mailed a letter certified to the United States Bankruptcy Court XXXX XXXX XXXX Mississippi asking about reporting information to the reporting agencies and the letters that I received stated they do not report. With that being said how did these credit agencies verify this info as 100 %? Clearly they never did an actual investigation according to the USC 1681.

According to USC 1681 Section 603 ( 3 ) E states that the term " investigative consumer report '' means a consumer report or a portion thereof in which information on a consumer 's character, general reputation, personal characteristics and mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others he is acquainted or may not have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor or from the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They violated my rights several time.

They violated my rights under 15 USC 1681.

According to 15 USC 1681 sec 602A I have the right to privacy.

According to 15 USC 1681 Sec 604A Sec 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reason to believe the information is inaccurate.
Consumer complaint received 2022-10-26
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. (IL)

This is regarding an existing issue with transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach FCRA requirements.. I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2019-04-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (NV)

XXXX XXXX  is alleging that I owe them {$690.00}. I did not breach my rental contract and do not understand the charges against me. I have attempted to resolve the matter but every time I try, the claim that I owe them additional monies. I believe that I am a victim of fraud and unfair business tactics. Management is run very poorly, and one person says one thing, another says another thing. I do have documentation to prove my innocence.
Consumer complaint received 2019-04-17
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. (NY)

My social security number was illegally stolen, used and traded by the following person : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I filed a complaint with the FTC. My FTC Complaint # is XXXX. The following accounts need to be deleted from my credit profile immediately. 

2 accounts were fraudulently opened in my name.

1 ) XXXX XXXX XXXX - Limit {$700.00} Opened : XX/XX/XXXX 2 ) XXXX XXXX Limit  {$300.00} Opened : XX/XX/XXXX
Consumer complaint received 2019-04-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (NV)

XXXX XXXX is alleging that I owe them {$690.00}. I did not breach my rental contract and do not understand the charges against me. I have attempted to resolve the matter but every time I try, the claim that I owe them additional monies. I believe that I am a victim of fraud and unfair business tactics. Management is run very poorly, and one person says one thing, another says another thing. I do have documentation to prove my innocence.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXXXXXX. - Account Number:XXXX Please Update all payments, all pay was made on time. 

XXXX XXXX - Account Number:XXXX Please Update all payments, all pay was made on time.
Consumer complaint received 2020-06-06
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: Westlake Services, LLC (GA)

This item with Westlake Financial in the amount of {$4800.00} is reporting on my credit report. I sent validation to Westlake financial no response. The company that used Westake called XXXX XXXX has closed down. I received documentation a a while back from company which states vehicle was in another person 's name. I threatened to take XXXX XXXX to court and they provided me with this documentation I have. The credit bureaus has stated it was verified. I did not receive any documentation from the credit bureau nor Westlake financial for this debt supposedly owed. I have attached a contract that is NOT in my name. XXXX XXXX is a fraud company.