davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IL)

Hello. I have been banking with chime for multiple months until XX/XX/XXXX of this year, when they notified me my account would be closed. They asked for documentation to re open my account which I promptly cooperated and submitted everything. About a day later they notified me my account would remain closed and my funds would be seized. They didnt tell me why and now its been 2 months and they wont respond, they just keep saying it will be brought to an account specialist This is criminal, this is disgusting and it is illegal, it clearly violates the consumer act. 
I have done some research and it shows this is a common occurrence by them.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act ; XXXX XXXX, has violated my rights with an unauthorized inquiry on XX/XX/21. 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 2022-03-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: AMALGAMATED TOKEN SERVICES, INC. ()

I am writing to you from XXXX. My name is XXXX. I am writing because of the problem I have with the cryptocurrency exchange known as Coinlist. Customer service has not returned to me for 10 days. The company seems to be in California. I tried many communication ways but no result. To which e-mail address or organization can I complain about this problem? I will be glad if you help me. 
Best regards.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am formally contesting any inaccuracies on my credit report, aligning with the FCRA and Metro 2 data field reporting standards. Unsupported claims of delinquency and derogatory remarks can not be accepted without documented proof. Accurate and complete reporting, as mandated by federal and state law, is essential. I urge you to ensure factual, lawful claims and provide verifiable evidence for account existence and usage. If not, kindly remove it and send physical documentation of your actions and my updated credit report. Your prompt attention to this matter is appreciated.Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (PA)

On XX/XX/ I became aware of a company called Collection Management Company ( CMC ), DBA Credit Management Company, trying to collect a claim based on a nullified contract. This debt was never my debt and I made CMC aware of this on multiple occasions, in writing and verbally. 

On XX/XX/ I decided to pay the amount to avoid the threatened harm on my credit score. I maintain that this was never my debt and only agreed to pay the claim to avoid the threats to my credit score from XXXX by employee XXXX XXXX. 

I believe that this violates the FCRA guidelines around credit reporting agencies.
Consumer complaint received 2023-03-10
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. (NC)

XX/XX/XXXX I busted an XXXXXXXX XXXX XXXX XXXX so I had to get XXXX and because of that I was out of work for awhile. I took a look at my credit report and I have three missed payments on XXXX, XXXX, and XXXX of XXXX. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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.
Consumer complaint received 2022-03-20
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. (MS)

My name is XXXX XXXX and I am submitting this complaint without any influence from and third party or agency. Please see attached documents and ID as it contains my full complaint request.
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: KEYCORP (IL)

In the past two weeks I received two prepaid debit cards for unemployment benefits, and I never applied for either. One is from KeyBank for Illinois ( received XX/XX/XXXX ), the other is from XXXX  for Colorado ( received XX/XX/XXXX ). I never activated either card. I contacted KeyBank immediately ; was not able to get through on phone ; did online Chat, they told me KeyBank is a third-party provider who can not do anything related to the card and I must contact Illinois Dept of Employment Security ( IDES ) ; IDES doesn't answer the phone and all their offices are closed. So I gave up on that one. The second card from XXXX arrived yesterday, I went to their website where they had a form to notify the bank if I'd received a card for which I never applied ( so apparently this is happening to a lot of people ). I completed and sent in the form. I am deeply concerned that someone is using my name, address, phone to apply for benefits, and the banks don't even have a procedure for me to cancel these cards.
Consumer complaint received 2022-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (GA)

Radius Global is sending XXXX and XXXX information about a debt that I never knew existed. I have sent letters to XXXX and XXXX, and they just send me letters back stating the debt was verified. I have reached out to Radius Global and asked them to send me the contract that I signed or something showing proof this debt belongs to me.
Consumer complaint received 2021-07-19
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: CCS Financial Services, Inc. (CO)

I have contacted XXXX over the telephone regarding a collection that credit collections is reporting. XXXX and credit collections do not respond to the letter I have sent them. 

I am not disputing an amount owed, because the account shows paid, however this should have never been sent to collections * please see attached letter to XXXX *
Consumer complaint received 2022-03-20
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. (SC)

XXXX XXXX XXXX XXXX is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

You and your inaccurate reporting has damaged my livelihood.
Consumer complaint received 2020-09-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is  being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2018-12-26
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. (NY)

Im showing client name : XXXX XXXX XXXX ( Collection agency ) Dating back to XX/XX/2015 for the amount of {$740.00} This is not an account that I never had or was responsible for paying for.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my credit reports and it shows inaccurate and unverified item that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2023-03-10
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)

Hello, my name is XXXX XXXX. After carefully reviewing my personal consumer credit report, there are hard inquiries that I did not authorize. I request that these Inquiries be removed immediately upon investigation. I have listed all of the creditors below that have violated the permissible purpose Section 604 under the FCRA [ 15 U.S.C. & 1681B ]. The below creditors have submitted a credit request without my permission & without my signature.
Consumer complaint received 2020-08-01
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 am have asked Experian to provide physical documentation on what they have received from the collection agencies that physically showed proof that the debt belongs to me. Experian have intentionally, recklessly, neglectfully, and without due regard not investigate this debt and put the debt on my file to make a bigger profit from it customer. Experian have proven time and time that they do not care to follow the Fair Collection Credit Act and that they are a big business that does what they want to consumer. I have sent Experian Numerous of certified letters with return signature required that they should have on their record. Experian try to trick of buying time to get the consumer to send in documents and say that they can not verify the consumer account. The debt collection agencies did not provide me with a physical proof with a physical contract and other physical items that shows the debt belongs to me under the FDCPA. I have asked Experian to simply follow the law, but they do not care about the damage they have a cause to a XXXX veteran with limited resources. Especially, with the covid-19 going on. The debt in question is with the National Credit Adjust on my credit file. The other credit bureaus did a proper investigation and a legal investigation and found the debt to not belong to me. Experian refused to abide by federal and state laws. The debt does not belongs to me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through  the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed  below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account in question.
Consumer complaint received 2021-03-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (GA)

My name is XXXX XXXX XXXX on XX/XX/XXXX my 2019 XXXX XXXX XXXX was repossessed I call Chrysler Capital the finance company who have the account I was told that I would have to pay the hold balance out to retain my vehicle. In 2019 I had XXXX XXXX XXXX and have had a lot of complications from the XXXX. That is how I got behind in my payments My wife was also out of work do to the pandemic I have tried to reach out to Chrysler Capital but they continue to tell me I have to pay out the entire balance due and that it had to pay by XXXX XXXXThis is the first time this vehicle have been repossessed if you can help please call me at ( XXXX ) XXXX
Consumer complaint received 2023-03-10
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. (NY)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 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 an account without my written instructions. 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the CONSUMER and the PERSON making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2022-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (AZ)

Approximately 6 months ago I called Barclay 's to ask them to reduce credit card payment. We were still recovering from COVID layoff 's, had a death in the family and actually used the credit card to pay for final expenses. Our rent also went up {$400.00} in XX/XX/XXXX. The representative said that she needed XXXX XXXX 's permission to speak with me. We called XXXX XXXX on a three-way call and he gave permission. The representative said that she would reduce our monthly payment. That did not happen. We called a second time, XXXX XXXX was sitting with me and gave permission for me to discuss the card. This representative ( second time ) said that she could get us to lower payments but it didn't happen. We called a third time, again said they would reduce payment from $ XXXX monthly to $ XXXX monthly. All the while I continue to pay what we can afford monthly $ XXXX {$180.00} monthly. We are ( were ) in the process of buying a house but when the report was ran, it came back that Barclay 's is in delinquent status ( because we wer n't paying the minimum ). We were disqualified for the house ( XX/XX/XXXX ). XXXX XXXX called Barclay 's XX/XX/XXXX ( 4th call ) and the gentleman made arrangements that are now reflected on the website as closed account with payment arrangements. The representative said they did not reduce payment because I ( XXXX XXXX ) was not an authorized user on the account, but I am his legal wife and pay this bill through my account. We lost the home that we were in escrow for because of their incompetence and miscommunication.
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I went online to obtain my credit report from Equifax. Answered all the questions to the best of my ability ( looked up the answers to the questions asked since the questions were about lenders that were more than 5 years ago and paid off ). After answering, a message appeared that I could not get my report. I waited 24 hours tried again, the same message came up. I then called to straighten out the issue and 3 different phone representatives gave me 3 different answers and you can barely understand them due to their accent. I have now waited 48 hours and am still getting the same message of not letting me get my report. I have also tried to enroll into My Social Security and was told that Equifax is not letting me enroll. Who has so much power of my Social Security? I am hoping that my complaint will help my issue with this credit reporting agency.
Consumer complaint received 2018-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

On XX/XX/2018, I received an offer in the mail from Citizens Bank  that stated I'll get a {$200.00} bonus if I opened a new checking account with direct deposit. It is now XX/XX/2018 and I still haven't received my {$200.00} bonus from them. I've called customer service multiple times and they keep saying to wait. Please help me.
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021, I was on the telephone regarding a refund on an item I never received. I noticed at the top of my telephone, many numbers and began to feel uncomfortable with the line of question the person was asking so I promptly hung up. I then went about my daily checklist on my phone and opened the Bank of America XXXX and to my horror {$1.00}, XXXX had been taken out of my checking account by an unknown person to me by a XXXX transaction to XXXX Conf. # XXXX. I called and spoke to a Bank of America customer service person and a claim for scam was filed. I called again to get a progress report and that I would be notified. During a conversation with the representative, I realized that it should have been a Fraud report as I had not authorized the transaction. I explained that it was all the money that I had and had been scrimping to save it as I wanted to go home to be near my children and grandchildren as I am elderly and XXXX and live all alone with no support or help in an emergency. The following day, an additional {$310.00} was taken out again using an ATM again by someone unknown to me. I was given a temporary credit and apparently the person was located because this amount became permanent. 
I contacted Bank of America again on XX/XX/XXXX only to be told that they could not find any fraud complaint on my behalf. I then filed another fraud complaint on the XXXX of XXXX with XXXX representatives, XXXX from Texas and the other from Maryland. 
On XX/XX/2021, Once again I called and once again I had to file another fraud complaint as the one filed on the XXXX on the month of XXXX also could not be found. 
This new fraud complaint is # XXXX. That was the last time that I contacted Bank of America as this has all affected my health very, very badly. I need help, someone to speak and fight this on my behalf. I will be XXXX years old in two months and have very serious health issues. I feel as the bank is protecting the bank and what may seem a small amount of money is my entire savings and ultimately my way of going back home. Without this money, I am lost and will have to remain living alone and in misery. 
Please know that I appreciate anything that you can do to help me. My daughter in law had the exact thing happen to her and she too was with Bank of America but you managed to get her money back for her. This is why I am turning to you. I am just too tired and too sick to fight anymore. 
Thank you, XXXX XXXX
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2021-09-19
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. (MD)

I the consumer XXXX XXXX, not a third party at all. Noticed after challenging an alleged debt proving to be inaccurate that debt was removed and then added back without any notice.