davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NJ)

JUST WROTE XXXX CHARACTERS OF TOTAL EVENT, XXXX XXXX NOT RECEIVING FRAUD ALERT IN XXXX 2014, WE HAD XXXX MONITORING, THEY SHOW THEY REPORTED TOO XXXX, XXXX. 
SOME ONE MESSED IN CREDIT BUREAUS REPORTS, WERE WANTING XXXX, XXXX TO DELETE ALLY INFOMATION FROM CREDIT REPORTS UNDER FCRA STATUTE. 
WIL FOLLOW UP MORE, I 'M OUT {$23000.00} IN REPAIRS, CREDIT CARD DEBT, ON SOCIAL SECURITY, XXXX, CHARITY CARE. 
NO FOOD, PAYED XXXX CARS WHEN I DID NOT HAVE MONEY/ PLEASE DO THE RIGHT THING. 
XXXX WILL NOT TAKE YOUR COMPLAINTS, XXXX CAN NOT BE CONTACTEDNEED ALL INFOMATION DELEATED LIKE XXXX. 
THEY HAD {$100000.00}, INSURENCE FOR FALSE REPORTING INFOMATION, THANK-YOUXXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

On several occasions, I have contacted Navient regarding disbursement of payments to my student loans. Despite my efforts, there has been no progress in ensuring my extra payments are distributed to the loan group in which I have requested ( both written and verbally ). I have put my request in writing, in addition, I have separated my accounts into 2 groups according to the loan group numbers and make the payments separately. Despite making the payments separately through online banking, all extra payments are not allocated to the principal of the loan in which I have requested. The balance on the loan in which I am attempting to pay off is {$3400.00}. Instead of applying the extra dollar amount to the {$3400.00}, Navient is applying the payment to the {$13000.00} loan in which I owe. If the payments were applied as requested, the {$3400.00} loan would have been paid in full by now. I have made several phone calls. Both loans have been current for years, which reflects the total payment due every month as {$0.00} for the {$3400.00} loan. I have been dealing with this for over a year and this process has been extremely frustrating. When speaking with Navient, I am often transferred to a " Supervisor ''. The " Supervisor '' acknowledges seeing my request on my account for extra payments to be disbursed to the specific loan however fails to ensure resolution.
Consumer complaint received 2024-03-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

Credit Collection Services- is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805.

I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off.

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of 1974. 

This is a credit collection agency that I am not in contract with,
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

I switched from XXXX to XXXX on XXXX XXXX, XXXX. I called XXXX the same day to cut off services and asked for a final bill. I was told I owed {$33.00} and received and paid this amount ( see Final Account Invoice attached from XXXX  ). In late XX/XX/XXXX, I started to receive invoices from XXXX. I noticed recently that the account number had different last four digits. I made XXXX billing agent ( XXXX ) aware of this yesterday ( XXXX XXXX, XXXX ). 

In XX/XX/XXXX, I spoke with an XXXX  agent ( can not recall name ) and was told I do not have a balance, that the bills get generated before my account was updated. In XX/XX/XXXX, I received another invoice from XXXX with a different amount that noted {$13.00} credit. I called XXXX billing on the XXXX XXXX and the agent was unprofessional and rude, and told me I needed to pay as my service was through the XXXX XXXX, XXXX, although she confirmed that I cut off my service on the XXXX XXXX, XXXX. 

I called again on the XXXX XXXX and XXXX billing agent ( XXXX ) reviewed my account, told me that everything was in order, my final payment of {$33.00} was received and that I owed XXXX nothing. On the XXXX XXXX, XXXX, I received a call and caller said she was from a collection agent and I owed a debt. I explained to her that I did not owe any monies to XXXX, and told her it seemed like fraud and an insider in XXXX. She hung up the phone on me. A few days later, I received a letter from Collection Bureau of the Hudson Valley , Inc . I did not call the phone numbers listed. The Account number listed for XXXX is not the account number on my prior XXXX invoices.
Consumer complaint received 2018-02-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vinci Law Office, LLC (CO)

I have two separate accounts through a debt collector Vinci Law Office LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CO XXXX. Two different account numbers, two different contracts. I have paid close to {$1000.00} to Vinci Law Office LLC for the auto loan account which I had a monthly agreement to pay {$120.00} monthly. 

I called to settle my other account with them. A credit card amounting in {$520.00}. 

THEY ARE SEPERATE ACCOUNTS ON MY CREDIT REPORT. 

At first they stated they only had one account with me, than they indicated they linked the AUTO loan and CREDIT CARD together. 
They refused to settle my credit card payment in full of {$520.00}. 
They are Refusing my money. Denying me the right to settle just one account my credit card account. 
They also are saying I need to make a larger monthly payment for my auto loan, which was court ordered at {$120.00} a month. 
I have been trying to get ahold of the supervisor XXXX XXXX. I called multiple times, left multiple voicemails. No one will speak with me in the office. I have emailed multiple times to separate people. 
No reply. 

Emails I contacted with no response XXXX XXXX XXXX
Consumer complaint received 2015-12-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted multiple disputes for a Tax Lien on a boat that I sold in 2012. Apparently the buyer shipped the boat out of the country and DMV never received my Release Of Liabality. I have since filed another Release but every year since received a tax lien and a couple of which i paid because I did n't know what to do. Please help
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I recently found myself entangled in what appears to be an elaborate scam, involving an alleged business loan from a company called XXXX XXXX, flagged as a fraudulent company online. 

I was deceived into sending funds to mule accounts controlled by the fraudsters, all based in XXXX XXXX, for a total of {$34000.00} USD. It is important to note that subsequent to the three transfers, which I believed were directed towards a legitimate investment platform ( later revealed as said to be a fraudulent interface ), I attempted an additional transfer amounting to {$33000.00}, since the perpetrators insisted on further funds to purportedly allow the retrieval of my investments. Notably, at this juncture, Chase bank intervened and blocked the transaction, citing association of the beneficiary bank with fraudulent activities. This occurrence serves as additional evidence pointing to a deficiency in proper Know Your Customer ( KYC ) procedures and transaction monitoring. 
Implementation of robust KYC and monitoring measures could have potentially identified and mitigated the financial risks associated with the previous transfers, as they were directed to the same bank. 

Despite my persistent efforts to contact Chase Bank in order to take action regarding these transfers, I have encountered no help or solutions. In fact, I sent a formal complaint to Chase bank in the form of a demand letter, via email and via mail, but both remained unanswered. 

I wish to highlight the gravity of this matter : the lack of action which characterized the conduct of Chase bank has negatively affected my case since no action has been taken to solve or address the issue presented here. 
Therefore, I am requesting Chase Bank to issue a refund of the sum I lost because of the following reasons : firstly their lack of compliance with XXXX in not performing or issue any alert regarding the suspect nature of the operations I was carrying out - in that the transaction pattern and the beneficiary data, together with the frequency and the amounts transferred, should have suggested that I was being the victim of a fraud. This was owed to me as a valued client. 

Secondly, their lack of responsiveness and accountability following my complaint, which could have allowed them to take action against the fraudsters. 
It is important to also acknowledge that Chase Bank is obligated to conduct ongoing monitoring of the transactions, as part of their obligations under Bank Secrecy Act ( BSA ) and the USA PATRIOT Act. This involves measures to detect potential fraud patterns. In fact, if only Chase bank performed the basic scrutiny that was owed to me as a client, for the sake of my safety, this victimization could have been prevented.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

Something is seriously amiss at Equifax. XXXX  and XXXX both have an accurate credit history on me. Equifax claims that I do not exist and sent a form letter to that effect. Equifax was sent a current copy of my XXXX credit report.
Consumer complaint received 2017-10-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Consultants, Inc. (SC)

I contacted Diversified Consultants at XXXX about a debt collection that is on my credit. I spoke with the first representative that treated me like I was XXXX. He said that I was so XXXX for not reading my contract. He yelled at me and would not allow me to speak. I asked to be transferred and he laughed and me and kept yelling " hold on ''. He then transferred me to another representative that was just as rude. He would not allow me to speak. He would not refer me to who to contact at XXXX about this amount that they have sent to Diversified Consultants.
Consumer complaint received 2017-10-26
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. (ND)

I previously submitted a complaint on XXXX, Experian, and XXXX, they responded, and it was closed. 

According to the Fair Credit Reporting Act, XXXXXXXX, Experian, and XXXX are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report.
Consumer complaint received 2017-10-26
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. (ND)

I previously submitted a complaint on XXXX, XXXX, and Equifax, they responded, and it was closed. 

According to the Fair Credit Reporting Act, XXXX, XXXX, and Equifax are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report.
Consumer complaint received 2019-10-28
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. (CA)

I have been trying for the better part of a year to get both Transunion and XXXX to investigate the accuracy of items on my credit report. While they conducted an initial investigation, the errors on my report remain specifically, there is a BK showing on my credit report. Additionally, XXXX is not reporting accurately either, XXXX claims I have an account that was discharged in BK. I have never had an account with XXXX and both Transunion and XXXX refuse to investigate the matter. They also claim to have verified a BK which is not possible. Based on the documents I have provided, you will see that Transunion refuses to investigate and that XXXX completely ignored the dispute regarding a BK showing on my credit report. Please advise these companies as to FCRA law in regards to having to investigate all disputes. My disputes are in no way frivolous, there is inaccurate information that needs to be corrected.
Consumer complaint received 2019-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

Collection agency ( CA ) contacted me via phone call stating debt. Debt is not valid as it has been settled, the balance for the debt is misstated on the collection account, and additionally no debt validation has been sent within 30 days of initial contact as required by federal law under the Fair Credit Reporting Act ( FCRA ). Despite these multiple FCRA violations the credit agency has taken action in collecting this frivolous debt by harassing phone calls and reporting a collection account to the credit agencies. These constitute a willful violation of the FCRA.
Consumer complaint received 2017-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I previously submitted a complaint on Transunion, XXXX, and XXXX, they responded, and it was closed. 

According to the Fair Credit Reporting Act, Transunion, XXXX, and XXXX are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report.
Consumer complaint received 2018-03-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I was contacted by Ace Express regarding an old loan. They threatened to remove the funds directly from my employer, and or to file a lawsuit. They were very aggressive and used scare tactics to get me to pay the loan I had in full. They called several times prior to me making the payment. I made the full payment of {$320.00} on XX/XX/2018.
Consumer complaint received 2017-10-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (AK)

I get calls basically everyday from Comenity bank trying to collect a debt. Sometimes I get up to 6 calls a day. I block the numbers they call from, but they keep switching up the phone numbers they call from. Also, I have kept record of these calls on my phone log. Also, I have more screenshots that I can provide.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Basis for the dispute : On XXXX Account # XXXX status is closed, but reports numerous lates and paid as agreed after reporting charged off with an open date of XXXX/XXXX/XXXX. XXXX showing last payment but reporting paid as agreed one month than late and or charged off next month ; On Transunion is reporting a different account open date of XXXX/XXXX/XXXX and payment history as not reported and closed as charged off with a date of last payment/activity XXXX/XXXX/XXXX
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Risecredit, LLC (OH)

XXXX XXXX told me someone checked my credit score without my consent and it looks like someone is trying to open an new account on rise and i have not authorized to set up an new account
Consumer complaint received 2021-02-04
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. (FL)

This is my last option before I escalate this matter through the legal system. I have been attempting to remove fraudulent accounts from my credit report since XX/XX/2020 and for a process that should take no longer than 30 days, it has been over 240 days and I have neither received any investigation confirmation nor any result notices. The funny thing is, even the inaccurate personal information that was requested to be corrected, hasn't been done so. The fraud accounts are still showing on my report and it seems the bureaus are perfectly fine with violating my rights under the FCRA and the federal law. As stated, this is the last option before a lawsuit option is pursued.
Consumer complaint received 2019-10-28
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. (PA)

Fraudulent account identity theft XXXX XXXX XXXX  Amount XXXX Opened XX/XX/18 I am disputing fraudulent account identity theft XXXX XXXX account number XXXX amount XXXX date open XX/XX/XXXX XXXX XXXX XXXX recently purchased XXXX XXXX/ XXXX credit card I previously had fraudulent account from XXXX XXXX/XXXX that was deleted from my Transunion XXXX and XXXX credit reports about a month ago and now that XXXX XXXX XXXX had purchased the XXXX XXXX/XXXX card the same fraudulent account reappeared on my 3 bureau credit report
Consumer complaint received 2017-01-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

Ace cash express I have a balance {$1500.00} in XX/XX/XXXX now XX/XX/XXXX they want to say my balance is {$5600.00}. I try to pay it back but I will never finish with that intres I call over and over and they hung up on me telling me they sell my loan I call the number they give me and they want me to put down $ XXXX {$370.00} and pay $ XXXX+ {$20.00} every week like 30weeks of $ XXXX.= $ XXXX.they say if I do not pay it they going to get me for fraud take my driver license away ...
Consumer complaint received 2024-03-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc. (TX)

I AM UNAWARE OF THIS ALLEDGE DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEDGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVED IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING IVE RECEIVED IT
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ZIONS BANCORPORATION (CA)

Hello I applied Credit Card With XXXX XXXX XXXX  XXXX and I was asked to go to branch to provide my driver license my paystub and utility bill along with copy of another credit card, I complied with their request and went to XXXX XXXX XXXX  XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX and left all documents with them. Today I called to get status they are saying they can not verify my identity with is strange because i was there physically.
Consumer complaint received 2019-10-28
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. (PA)

Fraudulent account identity theft XXXX XXXX XXXX  Amount XXXX OpenedXX/XX/18 I am disputing fraudulent account identity theft XXXX XXXX account number XXXX amount XXXX date openXX/XX/XXXX XXXX XXXX XXXX recently purchased XXXX XXXX/ XXXX credit card I previously had fraudulent account from XXXX XXXX/XXXX that was deleted from my XXXX Equifax and XXXX credit reports about a month ago and now that XXXX XXXX XXXX  had purchased the XXXX XXXX/XXXX card the same fraudulent account reappeared on my 3 bureau credit report
Consumer complaint received 2021-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Hunting Bank took {$1000.00} from me on XX/XX/XXXX, and have no explanation at to what happened. They have made no effort to rectify the situation, and effectively have taken {$1000.00} from me.
Consumer complaint received 2019-10-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (TX)

I just see a debt appeared on my credit report without me receiving any notice or information about by a Allied Collection to the amount of {$530.00}. Allied collection never contacted me about this debt that they claim was mine. I was not provided with any details or given the opportunity to talk about or the to determine the validity if confirmed to try to settle. Here 's the contact information the debt collecter : Allied Collection, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX.
Consumer complaint received 2018-03-23
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. (CA)

called on friday XX/XX/XXXX and spoke to a representative, before he humg up on me i explained to him that i never consented to any hard inquiry for any card, i never signed an agreement, or understood any agreement that may or may not have been acknowledged on my behlaf