davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-11
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. (AZ)

On XX/XX/XXXX I sent a letter along with a copy of a letter from United States Bankruptcy Court and XXXX XXXX to Transunion challenging the accuracy, compliance and reportability of the bankruptcy on my credit report. On XX/XX/XXXX Transunion provide me with a updated copy of my credit report regarding the Bankruptcy with Transunion only saying the information was updated. XX/XX/XXXX I sent a letter to Transunion asking them to provided documentation on how they came about updating their information regarding the Bankruptcy listed on my credit report. On XX/XX/XXXX I received a updated credit report only this time Transunion saying the Bankruptcy is verified as accurate but they failed to provide documentation on how they verified the information and from who.
Consumer complaint received 2022-11-20
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: FactorTrust, Inc. (NV)

I do not have any accounts with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? when was last activity of the acount? 
Why is it not reporting accurately across all bureaus? Statue of limitations? Not my account Please update and remove and suppress this innacurate account 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- summary XXXX XXXX XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX Agency Name XXXX XXXX XXXX  Date Assigned XXXX XXXX, 2017 Original Balance {$210.00} Current Balance {$330.00} Responsibility Individual Status Collection account Comments Placed for collection
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

Ever since I have had Navient, I have not been able to make payments successfully. When I first started paying them back, Navient 's website led me to believe that payments had not been processed ( upon logging in after submitting a payment, it would say payment overdue ) and I ended up triple paying one month 's worth of payments. Between having the " automatic debit '', the online confusion and the sheer absurd amount of time it took for them to process the payment, I ended up paying the same bill three times. Since then, I have repeatedly continued with forbearance and the last time I tried to submit a payment, I got the confirmation email about three days after I submitted the payment on their website, but the money was never withdrawn from my account. That 's another problem I 've had with them - I 've had to give them my checking and routing numbers at least 7 different time. Every time it was repeated back to me correctly, yet they kept saying it was my bank 's fault. When I called XXXX XXXX, they said they had no record of Navient even trying to get a payment. Also, those lucky few payments that did go through took at least ten days to post to my bank account as well as Navient 's joke of a website. This is by far the worst company I have ever had to deal with. There is absolutely NO reason a payment should take that long to be withdrawn from my account and their website should immediately reflect at least the attempt to make a payment by saying something like, I do n't know, payment pending?!?! Please help me get away from this nightmare.
Consumer complaint received 2016-04-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (FL)

I returned equipment to XXXX,, after waiting 2 months for them to send me a returnable shipping container. I finally got tired of waiting and returned it to the local store in XXXX, XXXX. I got a receipt for the returned equipment, showing a XXXX balance, that was in XXXX XXXX. I have been receiving monthly bills asking for the equipment or money. I have talked to XXXX at least 6 times and as late as XXXX XXXX. I received a call from XXXX XXXX, ( XXXX ) a debt collector from Central Credit Services, out of XXXX XXXX, XXXX. I told XXXX XXXX there was a mistake and I did n't owe anything. I told him that I have a receipt for what the item returned. I told him him I would find it and mail him a copy of the receipt, which I did the next day. I also sent a copy to XXXX. I asked that they stop bothering me when I sent them a copy of the receipt and a letter of apology. I got neither, because now I received amother letter asking for payment.
Consumer complaint received 2022-11-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc (WA)

Hello, Block has my interest account in a necessary cold storage situation. I am concerned that the funds in my investor wallet are in cold storage and want to ensure that they are not being used to satisfy secured creditors if bankruptcy comes for Blockfi. They have paused withdrawals and transfers so I can not access my funds at all.
Consumer complaint received 2022-11-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/2022 : My wife and I were in the process of selling a piece of furniture to someone through XXXX XXXX  and the buyer requested to make a payment early to reserve the item. The buyer suggested using XXXX and, since we've used in the past, we opt 'd in. 

Upon exchanging information with the buyer, my wife received an email from XXXX outlining a validation process requiring us to send money since our XXXX account has not been used for a while. This email raised some red flags and we immediately contacted Chase customer support using the number on the back of our debit card. The Chase customer service representative was familiar with the process we described and advised us to follow the process outlined in the email. Although strange, we trusted what the customer support rep had to say and proceeded to send {$200.00} for verification. 

Almost immediately, we realized this was a scam and called the Chase customer support line again. After going through all of the details over the phone, the customer support rep said there was nothing they could do because the transfer was made through XXXX XXXX confirmed by the escalations manager as well ). They filed a report and " curtesy request '' to recover the funds, but advised that there are no guarantees. The customer support agent apologized on behalf of the other agent who originally told us to follow the process, but confirmed that there was no way to rectify the situation- we are now at a {$200.00} loss and left with little trust in the financial institution we've been banking with for several years.
Consumer complaint received 2022-01-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-08-04
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. (TN)

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2020-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Collections Enterprise, Inc. (MD)

On XXXX at XXXX EST I was contacted by American Collections Enterprises Incorporated by phone who told me they have a debt to collect and wanted me to provide personally identifiable information over the phone to them to verify my identity. I told them to mail me the information. They told me they needed to verify my identity before they could share any details of the debt. I tracked the original phone number to the company and called their publicly posted phone number at XXXX. Again they refused to discuss even mailing information about the debt to me until I provided PII over the phone to them. I told them " No '' to which they responded " When you're ready to pay you'll give us the information. '' I am unaware of any outstanding debt that I haven't paid. I have received no notice of outstanding debts.
Consumer complaint received 2016-10-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (VA)

I had a car loan through Regional Acceptance that I paid the last and final payment on XXXX/XXXX/16 of XXXX. I spoke to the company on XXXX/XXXX/16 to confirm m my new address so that the title could be sent and was told by the rep that it was sent out on XXXX/XXXX/16. On XXXX/XXXX/16 Regional processed a debit of XXXX on my checking account without my knowledge or authorization. I would not h have made a payment after I had paid a final payment previously. This company y did this once before earlier this year and I had to block any checks from them on my account. I am concerned that they held my personal debit card informat on file from a previous transaction, this is dishonest, unethical and a violation to the Fair debt collection practice act. Please hold them accountable and keep them from doing this again in the future to other consumers.
Consumer complaint received 2022-01-28
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. (NY)

I, XXXX of the family XXXX, am of sound mind and age of majority. Upon review of my consumer credit report I have been made aware of several errors. It is a fact that ANY consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. It is a fact that i, XXXX XXXX, authorized representative, agent and beneficiary of XXXX XXXX, NEVER GAVE INSTRUCTION, PERMISSION OR CONSENT FOR THE FOLLOWING ACCOUNTS FURNISHED IMPROPERLY AND DISHONESTLY BY REPORTING AGENCIES : Account name : XXXX  XXXX Account number : XXXX. Account name : XXXX XXXX XXXX Account number : XXXX. Account name : XXXX XXXX XXXX XXXX Account number : XXXX. Again, i, XXXX XXXX, authorized representative, agent and beneficiary of XXXX XXXX, NEVER GAVE INSTRUCTION, PERMISSION OR CONSENT FOR THE ACCOUNTS ABOVE TO BE FURNISHED. In accordance with the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), FEDERAL LAW states A consumer reporting agency MUST, through PHYSICAL VERIFICATION of an ORIGINAL SIGNATURE CONSUMER CREDIT CONTRACT for ANY AND ALL ACCOUNTS posted to a consumers credit report. Failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified information MUST be removed.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (WY)

I have a balance on my Credit Report from Country Door. I disputed these charges, they state on Credit report Charged Off as bad debt ; Dispute resolved ; reported to grantor. Closed XX/XX/2018. It still remains on my report where it is being marked.
Consumer complaint received 2020-01-08
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. (FL)

Good afternoon, I am writing to CFPB regarding my identity being stolen and used to obtain credit without my authorization and now I have been stuck with the bill and my credit taking a hit. Please if there is anything you can do to help me remove these fraudulent accounts tarnishing my credit profile I would greatly appreciate your assistance in this matter. I have tried with the credit bureaus and debt settlement companies as they have said they can help and have gotten nowhere. I have heard that cfpb actually gets the job done. Thanks in advance.
Consumer complaint received 2022-11-13
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. (MO)

n 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. 

XXXX  XXXX : # XXXX has violated my rights. 
XXXX BANK : # XXXX has violated my rights. 
XXXX XXXX : # 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 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 2022-01-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc. (CA)

On XXXX, I, XXXX XXXX, sent a debt validation letter to Professional Credit po box XXXX XXXX, Or XXXX On XXXX XXXX, they sent a response. It detailed medical procedures that I had. Or shall I say, states that I had. I have not ever given my medical provider authority to share my medical history with anyone. 

I believe this collection agency along with medical provider have violated my personal rights. My deep concern is how many times have they given my medical information to debt buyers, collection agencies. Now I'm worried about that. My medical provider is selling my debts by the week. My medical provider is sending me all kinds of bills. Maybe I should file XXXX against them. However, see the attached documentation.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (FL)

According to the FCRA, credit reporting bureaus can block information from credit reports if the information is in dispute of fraud and/or if identity theft occurs. This is not a complaint but rather asking that while there's an ongoing investigation with XXXX XXXX XXXX XXXX that the credit bureaus block all disputes under investigation until the investigative disputes are completed.
Consumer complaint received 2022-01-28
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: Incomm Holdings Inc. (IL)

Do NOT buy Vanilla Gift Cards- they are NOT SECURE, horrible customer service and there is absolutely no guarantee that you will be able to use any card purchased. Received a {$100.00} Vanilla Visa virtual gift card via email through secure company email in XX/XX/XXXX. Virtual card has expiration date of XXXX/XXXX. Tried to use the card for first time XX/XX/XXXX and transaction declined. Called card issuer XXXX  of XXXX, GA XX/XX/XXXX and filed complaint. Transactions shows 20 {$5.00} XXXX XXXX charges made at exactly same date/time in XXXX to wipe out balance. I did NOT authorize or make the charges. No one else had access to my card number or the email received. I completed complaint form PDF and submitted to issuer XXXX XX/XX/XXXX. Followed up XX/XX/XXXX as I haven't received confirmation of complaint. First call disconnected. Called back and started over. Told to call back after 3 days to check status ; could NOT confirm receipt of any complaint. Call back XX/XX/XXXX - again told to call back after 72 hours. Finally acknowledged that they received my original complaint. 
If I did NOT authorize or make the transactions or give card access to anyone, it's obvious that this issuer either has internal security compromises or has been hacked for others to fraudulent use cards. For an issuer of pre-paid VISA cards, this is a HUGE issue that shouldn't take months to actually resolve.
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MD)

I have been using the chime banking service for 3 years with great results. on friday XX/XX/2022 my checking, savings and Credit card were closed suddenly at XXXX via this email. 
" XXXX XXXX, Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/2022. 

If you have ACH Debits or recurring debit card payments, please notify the originators immediately to avoid disruption with your future payments. ACH debits and recurring debit card payments may be rejected after XX/XX/2022, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. '' I was never call or contact out side of XXXX emails. I attempted to call the customer service only to be deferred to the support chime email. I contacted Chime through intsagram and XXXX only to get the same prompt telling me to expect an email regarding the matter. on monday XXXX XXXX 2022 i received and email form customer support to send documents stating my case " Thanks for reaching out to Chime Member Services. Let me inform you that I was able to see that Chime has identified loads to your account not in compliance with its internal policies & the member agreement executed at enrollment. 

To potentially access any remaining funds, send govt ID, secondary ID OR proof of address, an explanation, & any docs you have verifying the source of the account loads & yourself as the intended recipient. '' I sent XXXX government ids, a list of my recurring deposits and returns from the last 3 months. and was told to wait 2-3 days to be updated. As XXXX pm XX/XX/XXXX I had not received anything prompting me to send another email only to be told " I apologize for the inconvenience of this situation. Unfortunately, for security reasons, Chime is unable to disclose further information about the closure of your account. For full details, please reference the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : https : //www.chime.com/policies '' I have read this article thoroughly and determined none of my actions violated their user agreement. as I thought this was a simple mistake ii assumed it would be handled as chime had exhibited excellent customer service to that point. But Chime has be been purposely making this process impossible to deal with via normal means of communication. I've learned many others has experienced the same issue as a part of their fraudulent activity security system. I read their agreement nothing I've done is in violation. All deposits ive made were repeat transactions over the past year.
Consumer complaint received 2022-10-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

I was a Regions Bank customer for 7 years. They ripped me off for 7 years with overdraft fees. I don't have dates or an account number I just want to be sure my name is listed in their lawsuit because they owe me so much money. My account was under XXXX XXXX.
Consumer complaint received 2022-01-28
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. (MO)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX XXXX XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE