davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
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. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items were reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Transunion placed an unauthorized security freeze on my credit when I need to have my credit pulled so I can move. They have done this to me twice already. I was an identity theft victim whom they did nothing for until I hired a credit repair company. Transunion sent me a letter suggesting I work with them to fix my credit. I terminated the credit repair company and suddenly I have a freeze on my credit and no changes. 
I sent a letter with a copy of my driver 's license, social security card, bank statement and another copy of my police report dating back a few years ago. I have to move. The house I am renting has mold and I am getting sick. I have already given my deposit to the property I want to move too and application so I can move in two weeks. Today when we went to pull my credit I was told I have to call Transunion. Same thing that happened to me before. This is the second time I have had to submit proof of identity and its unethical. I have been treated as a criminal not a victim.
Consumer complaint received 2016-02-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime (GA)

Me and my wife percussed a car back in XXXX 2013 and thought we were getting a great deal. Come to find out we got screwed on this deal. They told me that they report to credit and they do n't. After about 1 year and 1/2 we went and percussed another vehicle and all the payments I was making to drive time was not showing up. They went even on my credit report. Also, the entrust rate is killing us, it was like over double what I was paying on my other vehicle. If I could have had afford it we would wound up paying over XXXX on a car that was only worth about XXXX. I do n't know how they can get away with that but they are taken advantage of people that have been in hard times. I have looked into this company and come to find out there have been lawsuit after lawsuit against them and most of the lawsuits are for harassment. 
I had to turn in the car because I could not afford it anymore and now I am getting harassing phone calls at my job and my family is getting them also. I would like this to stop and I would like them to leave me and my family alone. They got there car back and the have already sold the car. I can wind up losing my job if they keep calling had harassing me at work. I have a family to support, and I ca n't afford to lose my job because of them. 
I would like someone to stop this and put this company out of business. they have no right to treat good people like this. I have been keeping my cool about it but this is the last straw. I am going to keep looking into this company and find out what legal action I have against them.
Consumer complaint received 2022-12-01
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. (IL)

I am submitting you this CFPB complaint to you today to attempt to request the removal of the fraudulent accounts and information I found on my Credit Report. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of XXXXnformation. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to please remove the following items from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, DE XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00XXXX 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 2020-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2020-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I disputed a transaction in them amount of {$54.00}. I mailed the product back to the seller in XXXX. I provided BOA with the tracking number, which states the XXXX post office received my item XX/XX/XXXX. I dont know how the postal system works in XXXX. 
But I did my part by mailing the product back and getting a tracking #. Bank of America has refused to refund my monies despite me providing a tracking number. 
Im not sure if they receive a percentage of sales from XXXX or why I have to fight to get my funds back.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

Dear reviewer, I am writing to dispute late payments on my credit report that I noticed upon the review of my Consumer Credit Reports which resulted from identity theft. These discrepancies in question is regarding the payment history section of my XXXX  Account ( Account Name : XXXX XXXX Account XXXX # XXXX ). Experience Credit Bureau reported missed payments multiple dates which are showed on the attached supporting documentation. I had never been late on my XXXX credit card payments and the account which was registered in my parents address had XXXX balance. After further investigation, I discovered that these late payments were not made by me, but rather by an identity thief. I tried disputing this through XXXX, but they indicated that my account is close and could not assist or do anything for me. I was astonished by their response as they are responsible for helping current and past clients to resolve issues. My only option was to submit my claim through cfpb. 

I request that you please investigate and remove these inaccurate late payments from my credit report as soon as possible. I have attached relevant documentation, including a copy of the Credit Bureau Reporting that I am now paying XXXX XXXX  monthly to XXXX  in order to continue to protect myself from future identity theft. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate disputes and correct any inaccuracies promptly. I hope to get response within 30 days and hope that these charges can be removed from my credit report as I have NEVER ever been late on my XXXX payments. I sincerely hope that this request will result in favorable outcome to clear my name. Thank you, XXXX XXXX
Consumer complaint received 2022-12-15
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. (AL)

Equifax an XXXX credit report agency allowed someone to report me deceased illegally with proving identification an death certificate or report it to the social security agency an why my date of birth was illegally change contain credit in my name by other companies this company an agency or in violation of my civil rights cause me have credit problems lost wages in the data systems I want to know who use my name an reporting me deceased everything should be removed off my credit report should nobody have access to my personal information with out my consent my life been toking from me an reporting me deceased an I still have to suffer with bad credit XXXX or XXXX why someone using my credit in my name I requested a full disclosure report from XXXX an XXXX from XXXX an Equifax see who was using my identity
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WV)

My Chime account information was compromised and my card information was stolen and used without my permission. Exactly {$450.00} was stolen from my Chime account. 

I filed a dispute on XX/XX/23, and Chime denied my dispute not even 48 hours later. I then filed a rebuttal, and Chime denied my rebuttal not even 48 hours later. 

Under regulation E, I am entitled to my money back. Yet this financial institution, is denying me my money back even though my money was fraudulently used. Chime knows my account information has been compromised from previous disputes, yet they are denying that my information was compromised and my card was used fraudulently. How does that make any sense? 

Theyre investigating process is not very good at all, and they did not even look into my issue for more than 38 hours. They issued me a new card, but did not issue me my money back. How does that make any sense? 

I am now out over {$400.00} due to theft and my account being compromised, and Chime is if no use even though under Regulation E which is what my case falls under : They have to give me my money back. 

How can a company blatantly break Regulation E?
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MI)

I have requested at least 3 times over the past 3 months for a wet ink signed contract showing that I have an obligation with Midland Credit Management. They have not provided a contract with my wet ink signature or any contract for that matter. I am disputing this debt. XXXX XXXX discharged the alleged debt in XXXX 2023 which means it was paid off. Midland Credit Management XXXX Inc. apparently purchased this debt and is attempting to collect this debt when I have no contract with them and it was already discharged by XXXX XXXX. Midland Credit Management , Inc. is sending notices to me threatening legal action if I do not pay them. Since this debt is being disputed, they are required to cease and desist their collection efforts, which they have not and I know this is a violation of the FDCPA. I can only assume they are attempting to commit fraud by harassing me and forcing me to pay them.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

was given a {$100.00} American Express gift card last XXXX and was holding on to it to spend on occasion. my daughter tried to use it to buy some clothes and the card was denied I called American Express and they said a previous purchase had been made with the card for XXXX XX/XX/2022 at a store in Texas called XXXX. I called the store and they said they've been getting calls all the time for the same thing and they thought I was trying to scam them. they said they weren't even open XX/XX/2022.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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. The items listed below were not mine : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$810.00} XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/2022
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 

Items below should be deleted as soon as possible due to identity theft : Addresses : ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Collection account as listed below : XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX  opened : XX/XX/XXXX XXXX Opened : XX/XX/XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX : Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Inquiries as followed below : XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XXXX XXXX
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

I have created a credit card with CitiBank in XX/XX/XXXX, and have been using it responsibly, always paying the full balance within the statement period. On XX/XX/XXXX I got a notification of fraudulent charges from XXXX XXXX XXXX XXXX and other merchants. I immediately contacted CitiBank Fraud Department ( XXXX ) and asked them to close my card to avoid further fraudulent transactions. They acknowledged, closed the account and sent me a new card. 

On XX/XX/XXXX I received a new notification of more fraudulent activities on the account, before even receiving my new card. At this point I did not have a valid, activated credit card associated with the account. I immediately contacted CitiBank Fraud Department, and asked them to close my card again, and asked for further investigation in this matter. They assured me they remedied the problem and sent me yet another new card. 

This repeated again on XX/XX/XXXX. The representative informed me that there are ongoing charges on the account from XXXX XXXX. I informed him, that I do not have a XXXX XXXX capable device or service, and never associated this card with any XXXX accounts. I asked CitiBank to remove this form of payment and lock my account, to make sure all fraudulent activity stops. At this point the representative locked me out of my online account, and I have not been able to login ever since. 

Unfortunately this repeated more times during the following weeks. I spent hours on the phone between various representatives and escalations. They ended up sending me 4 different cards in XXXX alone, while the fraudulent activity continued without me activating any of those cards, or having access to my account. I demanded account closure and to see my recent statements, to identify and pay any remaining legitimate transactions. CitiBank failed to provide any statements, they claimed it was only available electronically and they did not have access to it. I informed the representative, that CitiBank had previously locked me out of my account on XX/XX/XXXX, therefore I have no access to my account or any statements thereof. She offered to change my next statement to paper format, so I receive it via regular mail. 

I have recently received my final statement, with an outstanding balance of {$1100.00} consisting of fraudulent activities, foreign transaction fees, late payments and interest charges, all of which due to those fraudulent activities. I am supposed to remit this payment by XX/XX/XXXX.
Consumer complaint received 2020-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2022-07-22
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2021-09-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central States Recovery, Inc. (KS)

Central States Recovery called me this morning regarding outstanding medical bills. I asked for the date of services and whether they had been submitted to insurance. She replied she didn't know if they were submitted to insurance and that I would need to contact the client. She said she had mailed the debts to me but I had never received them. I advised her that I was in an active Chapter XXXX bankruptcy and she would need to contact my attorney. She told me know it was not their job to contact my attorney and they did not need to contact them. I got pretty upset because I knew she was violating my rights and said a few choice words.
Consumer complaint received 2022-10-14
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. (FL)

IN REGARDS TO MY OPEN COMPLAINT REFERENCE XXXX, I RECEIVED A LETTER FROM TRANSUNION TODAY XXXX STATING I NEED TO CONTACT THE CREDITORS MYSELF AND LET THEM INVESTIGATE. WHAT PART OF DUPLICATE INQUIRIES AND FRAUDGLENT INQUIRIES DO THEY NOT UNDERSTAND. I HAVE BEEN THROUGH THIS WITH TRANSUNION MULTIPLE TIMES WHICH IS WHY I CAME TO THE CONSUMER GOVERNMENT SITE FOR HELP. THEY ARE REFUSING TO REMOVE DUPLICATE ACCOUNTS, THEY ARE REFUSING TO REMOVE FRAUD ACCOUNTS KNOWING I AM A FRAUD VICTIM. THIS IS MY FINAL COMPLAINT AND THEN I WILL HIRE AN ATTORNEY AND PURSUE LEGAL ACTION AGAINST TRANSUNION FOR ALLOWING CREDITORS GET THROUGH TO EVEN MAKE AN INQUIRY ON MY REPORT WHEN MY ACCOUNTS ARE FROZEN AND SHOULD NOT BE ALLOWED ACCESS FROM ANYONE. THEY STATE SOMETIMES THERE IS A GLITCH IN THE SYSTEM AND IT CAN COME UNDONE BUT THE CUSTOMER WHO PAYS THE MEMBERSHIP ( ME ) AND THE FRAUD REPORTS DONT COUNT. IT'S MY RESPONSIBILITY. I AM ASKING FOR THE CONSUMER SERVICES TO STEP IN AND GET INVOLVED WITH THIS MATTER. EVERYTHING ON MY PREVIOUS OPEN CASE REFERENCE XXXX IS ON THERE AND WHAT IS ACCURATE AND WHAT IS NOT. PLEASE REMOVE THIS INFORMATION FROM MY REPORT. TRANSUNION 'S REFERNCE NUMBER THEY PROVIDED ON THEIR LETTER IS REF XXXX, I AM NOT AND WILL NOT CONTACT THIS COMPANY AGAIN AND SPEND ANY MORE OF MY LOST HOURS AND TIME EVERY DAY TRYING TO DO THIS. EITHER THEY TAKE CARE OF IT OR I WILL HAVE IT REMOVED LEGALLY AND SUE THIS COMPANY FOR LOSS TIME, MENTAL ANGUISH, PUNITAIVE DAMAGES THEY HAVE CAUSED ME WITH THIS SITUATION. THE INQUIRIES ARE FRAUD AND DUPLICATES REMOVE THEM .... DONT SEND ME A LETTER SAYING I HAVE TO DO IT, AS IF I ALREADY DIDNT SPEND MONTHS TRYING TO DO THIS AND YEARS ON OTHERS. DO NOT REPLY BACK TO THE CONSUMER SITE SAYING YOUR STILL WORKING ON IT AND 2 DAYS LATER SEND OUT A LETTER TO ME. UNACCEPTABLE.DO YOUR JOB...