davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-24
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. (OH)

The items listed are reporting inaccurately on my credit report and are not in compliance. XXXX XXXX, XXXX, and Equifax are required under the FCRA to have a copy of the original creditor 's documentation on file to verify the items list

ed below. this is the 3rd investigation, these accounts were never updated properly. I WANT TO REQUEST ONLY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately :  XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX  XXXX
Consumer complaint received 2020-09-24
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. (OH)

The items listed are reporting inaccurately on my credit report and are not in compliance. Trans Union, XXXX, and XXXX  are required under the FCRA to have a copy of the original creditor 's documentation on file to verify the items listed below. this is the 3rd investigation, these accounts were never updated properly.

I WANT TO REQUEST ONLY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately :  XXXX  # XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (OH)

Last Sunday I attempted to get gas for my vehicle and my card had been declined. I checked my chime banking app and saw I had no money in my account. I then saw three fraudulent charges on my account I did not make. I contacted chime and filed disputes. Chime continued to deny my disputes saying the charges were legitimate and not made an error. I continually explained to them I did not make these charges adding up to {$230.00}. I contacted both companies the charges were made and they have no record of the purchases being made to their accounts. They told me to contact my bank and cancel the charges which I attempted to do. After many attempts to cancel these charges chime continually denied me and refused to take the charges off of my account. I asked them if they were legitimate charges to show me invoices and receipts and also confirmation of delivery of product but I was ignored.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (CA)

Hello, I need to open a dispute for 4 transactions made with my debit card ending in XXXX. The seller never sent the items and also never gave any tracking number or delivery information. 
I tried to reach them several times by phone calls and emails without success. 

Transaction 1 : XX/XX/XXXX, XXXX. It was a XXXX XXXX. Must be delivered on XX/XX/XXXX Transaction 2 : XX/XX/XXXX, XXXX. It was a XXXX XXXX. Must be delivered on XX/XX/XXXX Transaction 3 : XX/XX/XXXX, XXXX. It was a XXXX XXXX XXXX. Must be delivered on XX/XX/XXXX Transaction 4 : XX/XX/XXXX, XXXX. It was a XXXX XXXX XXXX. Must be delivered on XX/XX/XXXX Until now I dont have the products, and also dont have any solution from the merchant.
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Had Chase credit card for 7 years with auto-debit to a bank account never a problem. For some unknown reason ( postal service included ) they cancelled the credit card and auto-deduct from my bank without myself receiving any notification that the card was stopped until I tried using it. In mean-time balances not being paid over a few months  Chase Explorer Card notified credit agency and reduced my FICO score  that has been " very good " for 40 years and accrued interest and fees on my balance. I might add that I believe they charged my account an annual {$95.00} fee the month prior to cancelling the credit card.
Consumer complaint received 2024-02-10
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (FL)

Citibank BestBuy card just added over {$1000.00} worth of interest fees to my account. After notifying them of the financial difficulties I have experienced during this pandemic. I've been out of work for several month due to contracting Covid and I also loss several members of my immediate family to covid. I attempted to reach out to customer service regarding this matter and no one from that company was willing to help me. I was even denied to speak to a supervisor when requested. A copy of this complaint has also been sent to the Attorney general 's office.
Consumer complaint received 2021-02-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CONGRESS COLLECTION CORP (MI)

As previously investigated in a previous dispute this company never mailed me a letter about a collection for {$280.00}. I only found out about the debt after seeing it pop up on my credit report. I disputed it with Congress collection via credit report electronic disputes and the company would not investigate their error. After disputing this with CFPB and XXXX, Congress Collections obtained my correct address and mailed me a letter as well as called my phone harassing my wife, my XXXX yr old daughter, and myself about payment. I called XXXX XXXX the original owners of the debt and informed them about new legislation that bans companies from trying to sue their customers for medical debt during a pandemic. They were shocked and didnt know that my copay was covered by the VA and apologized for their incorrect billing procedure as well as not following new government guidelines and laws. 

Congress collections has refused to correct their erroneous collection which I do not owe or have to pay for from my credit report. This is illegal and a direct violation of my FCRA rights as well as several new rules put into place during this pandemic. As a government employee I will be writing to the White House and National Consumer Law Center to let them know about malicious debt collection companies and CFPBs lazy investigations. 

Please see link XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (LA)

In accordance with the Fair Credit Reporting Act, CARMAX AUTO FINANCE, 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 my account without written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer as late for any purpose.
Consumer complaint received 2021-02-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Byrider Franchising, LLC (IL)

To whom it may concern : I Bought my XXXX XXXX from you guys back in XXXX of XXXX. I took it to a auto care business, because the engine kept on running on Hot. So I took it in to get it looked at. What it came down to that the tranny is going out of the XXXX that I bought from you guys. Your company can either fix the issue on my XXXX other was I will be sueing for fraud, whitch I have an appointment with a attorney on Tuesday an he is extremely interested in taking my case. You guys have til Tuesday the XXXX XXXX before XXXXXXXX XXXX to fix this issue or Im handling this over to my attorney. 

Now it has happened again, XXXX XXXX of XXXX IL.
Consumer complaint received 2024-02-10
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. (TX)

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681 section 604A section 2 : States a consumer reporting agency or person can not furnish my account without my written instructions.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX dispute File number : XXXX. I did not live at that address that they have on file. I own that house and I rented it out. My mail continued to go to that address and someone used my information without my knowledge. The information they have is false information. XXXX XXXX XXXX harassed me at my job by calling numerous of times. I explained to them the information was false and they state they have attached the bill to my credit. There representive was very unprofessional.I gave them my personal phone number so they would stop calling my job.
Consumer complaint received 2019-10-03
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. (CA)

I got my credit ran today XX/XX/19 at the XXXX dealership because I am trying to but a new car but when they looked at my credit report they told me that I did not qualify to get a car loan due to having accounts in negative standing on my credit history. I looked over the accounts and right away I noticed that these accounts were not mine. I did not open any of these accounts and I have never allowed anyone to open an account on my behalf. I don't know why these accounts are on my credit or who opened them in my name but I have already filed a police report. I never got anything out of these accounts such as money, services or any other benefit nor did I participate in any purchases, payments or transactions in regards to any of those accounts
Consumer complaint received 2019-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CT)

I OPENED 2 SEPARATE CHECKING ACCOUNTS ( PERSONAL ) THE SAME DAY, BOTH WERE OPENED IN A VERY SHORT PERIOD OF TIME. I HAVE ALREADY CLOSED THE FIRST ONE IN LESS THAN A MONTH, THE BANK SCREWED UP. THE ONE I AM REPORTING NOW HIT A SNAG WHEN I COULD NOT DEPOSIT A CHECK. CALLED MANY TIMES FINALLY SPOKE WITH A GUY XXXX, WHO ACTUALLY SOUNDED LIKE HE KNEW WHAT HE WAS TALKING ABOUT, WELL VERSED TO SPEAK TO CUSTOMERS. THEN THE PROBLEMS, I COULD NOT DEPOSIT A CHECK. BACK AND FORTH, BACK AND FORTH WITH THESE CALL CENTERS, CONSTANTLY REPEATING MYSELF, BEING ESCALATED, ESCALATED, ESCALATED, TALKING TO BRICK WALLS, XXXX XXXX CALL CENTER EMPLOYEES. BACK TO XXXX AGAIN, WHO ILUDED THAT IT WAS MY DEVICE. XXXX, THIS DEVICE HAS BEEN AROUND FOR AT LEAST 2 YEARS OR MORE AND THESE BANKS, BEING INTERNATIONAL, ARE EQUIPPED TO WORK WITH MANY DIFFERENT DEVICES. I DO NOT BELIEVE THIS XXXX WITH SANTANDER BANK. 
THIS IS A BLATANT STALLING TACTIC.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Once again they have refused to investigate an error claiming they have already investigated it.. They provided me with a copy of my credit report including all prior investigations. The report they generated clearly shows there have been no prior investigations into any discrepancies. Any attempt at filing a dispute will result in an error stating no relevant information provided. I have screenshots of everything. They need to have charges brought against them for again refusing to investigate this entry on my credit report. I have provided them with proof that the account was paid off. They refuse to allow you to file and do nothing but give you errors. Phone calls to them get refused. Both my XXXX and XXXX reports are over 100 points higher than Experian because of the errors they refuse to investigate. You have multiple cases filed by me against them. EVERY SINGLE TIME A CASE IS ATTEMPTED TO BE OPEN BY ME OR IS FORCED TO BE OPENED BY YOU MY FICO CREDIT SCORE IS LOWERED BY THEM FOR XXXX POINTS. THIS HAS RESULTED IN MY CREDIT RATING GOING FROM Excellent TO FAIR. This has now been filed with you XXXX prior times. .All XXXX prior times resulted in my credit score being lowered by them for no relevant reason. There are and were no changes made to my credit report that would warrant my credit score to be lowered, You have done nothing to hold them accountable for willfully violating federal laws. At this point I plan to contact the Ohio State Attorney Generals office and see about filing charges against Experian and possibly this agency for failing to do your job.
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NC)

Hello, I was scammed on XX/XX/24 when I received a text message from Chime, my banking company, asking if I attempted a {$400.00} purchase from XXXX and to respond yes or no. I responded with a No. I then got a text right back that a representative will contact me shortly. 

A call came in, from someone that I thought was a rep from Chime. He new my name, my phone number, who I bank with, etc. Please note I have had numerous fraudulent charges on my Chime card in the past, of which I have had to dispute. At one point someone in XXXX Florida was using my card. 

The rep stated the charge was attempted in XXXX Florida. With that info, I was convinced this was a Chime rep. How could he know I previously had my account compromised by someone in XXXX Florida? 

Because my account had been compromised numerous times previously, I understood why they wanted to open a new account for me, which is what this person was telling me. 

I agreed. He gave me instructions on where to go on the app to complete the process and then my {$4900.00} was gone and the call abruptly ended. I called Chime back ( or so I thought ) and was told that I was a victim of a scam. I filed a dispute, which was denied. 

I also filed a police report on XX/XX/24. I called Chime today to dispute their denial. I gave them the police report # and the dispute is being re-opened. But have little hope of getting my money back. 

I am filing this complaint for a couple reasons ; 1. I want my money back 2. I feel that Chime is either in on these scams, or are not secure enough for my info to be protected. This guy new my info!

Please help : (
Consumer complaint received 2022-11-07
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: CLGF Holdco 1, LLC (MS)

CB indigo is reporting I have late payments on my account which I do not. 
The account that I made payments from cleared through my account XXXX XXXX later they returned then money and added additional charges.
Consumer complaint received 2023-06-13
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020, I went to Experian to have a fraudulent account removed. XXXX XXXX created a fraudulent account in my name and began to fraudulently reporting it to all 3 of the credit bureaus. I've absolutely NO CONTRACT with this company and furthermore, XXXX XXXX invaded my privacy and illegally started harassing me via email. My personal information has been completely compromised. I am making a formal complaint and want the fraudulent account removed. This company is a fraud and I am very angry at Experian for not protecting consumers from fraudulent accounts and personal identity theft. Where is the protection from illegal credit reporting? My identity was COMPLETELY STOLEN!!!
Consumer complaint received 2023-05-11
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. (TX)

These Accounts : XXXX XXXX XXXX XXXX XXXXCREDIT COLLECTION SERVICES  BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. 
This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). 
If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. 
IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Consumer complaint received 2022-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (OH)

The status history I received from AidVantage clearly shows Forbearances on my account XXXX. These were forbearances forced upon me during periods of either unemployment or low-income. This is precisely what the AG Settlement with Navient is about. Per the Attorney General 's lawsuit against Navient, I should have been put on an income-driven plan. Somehow, Navient failed to provide accurate information about my loans to the AG and thus I have not received my due settlement. This must be corrected and updated immediately.