davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (KY)

There have been numerous problems with the Ally investment trading platform which/witch led to a heated interaction after rude customer service representatives were inept and escalated the unwanted exchanges. Then after Ally said to close ALL my accounts in a letter I contacted them with ALL the information to do so into a XXXX account. However, they said the transaction was reversed BUT wouldnt say why and claimed there was no explanation upon checking with that department in yet another unwanted interaction their ineptitude created. THEN I was told they automatically mailed the checks instead creating a checks in the mail dynamic I never would have authorized! I would at very least used an express tracking service. I allege unscrupulous actives as regards their trading platform AND harassment in relation to their not performing the transfer after being provided the information potentially also trying to facilitate the checks theft after they obtained the other banks account information without using it.They also should have tried multiple times to perform an electronic transfer without just sending checks which/witch should then have been sent via an express tracking service utilizing carrier. ALSO, in a letter saying to close my accounts I was given less than a full month to even do so based on the date their letter was created and sent and the date I am expected to do/due so by.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (VA)

On XX/XX/2022, money was sent to me, over the pay anyone option that Chime offers. It is supposed to send an SMS link to a phone number, rather then sending to a Chime account, my phone number was used for {$3000.00}. There was a confirmation asking do you want to send to the phone number, but there was NOTHING showing that there was a chime account that it would be sent too. It was not to be sent to a chime account, that's why pay anyone, off chime, was selected. So my phone number did not receive the SMS, someone else 's chime account, who was using my phone number without my knowledge received my payment automatically. I called to dispute this unauthorized payment immediately. To be denied in less then 24 hours. I have sent more then enough evidence to show that this was an unauthorized payment to whoever received it. I attempted a rebuttal, to be denied again.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX XXXX, IL XXXX on XX/XX/2022 because they reported my account as delinquent/pass due. My account is paid in full and because of this my credit score has dropped XXXX points. After contacting them and verifying that the account was paid in full and was not past due I was told to contact the 3 major credit bureaus for them to change the information.
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

My synchrony home credit card was closed due to no activity for 6 months. I never received any notice that the account was to be closed and planned on using it for a large purchase only to find the account was closed even though it had always been in good standing and paid off on time. The representative was rude and offered no advice or help to the situation.
Consumer complaint received 2022-11-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AK)

I don't hesitate to call these guys crooks because they permanently restricted my PayPal account more than 180 days ago. I tried to protest here, but they provided justifications for further restricting my ability to withdraw funds at the time, which I really needed. They promised to restrict my cash for 180 days, after which time, if no one complained about the cash, they would release the funds to me. Now that the 180 days have passed, they sent me an email informing me that my cash is now available for withdrawal, but when I log into my PayPal account and attempt to withdraw it, they permanently limit my account and prevent me from doing so.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CT)

On XX/XX/XXXX I deposited a check into my chime account from XXXX XXXX 's and then moved to a different City... 
The check was for XXXX On XX/XX/XXXX at XXXX I got an email from my chime account saying the check was paid twice and they took the money out of my account making it negative ... 5 months later ... How? If someone found my physical check and tried to cash it when I moved, how is MY ACCOUNT penalized... 
I have sent chime screenshots of the only deposit on my end and they confirmed that they only see 1 deposit on XX/XX/XXXX XXXX
Consumer complaint received 2022-11-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (CO)

I pulled my credit report and saw that Afni had a collection account on my credit report. On XX/XX/22 I sent them a letter stating that I received a copy of my credit report and unbeknownst to me they had placed a collection on there without sending me any validation information prior to doing so. Per 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) 1006.34 Notice for validation of debts. a debt collector must provide a consumer with the validation information. Which they failed to do. 

Its been more than 30 days and I have not received a response from them. This is NOT my account, this is NOT something I owe. 

Ive included the certified letter that was sent and received by AFNI.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I lost my job due to my XXXX and I could not pay my auto loan since XXXX. According to my credit report the loan are still active. XX/XX/XXXX the account was opened and is purchase in MN from XXXX XXXX. According to MN the statue of limitation for auto loan debt is XXXX years and XXXX keeps reporting it as a current loan and it keep saying derogatory. 
I am still disable and trying to catch up and pay my old bill, I have not been driving a car since XXXX when the credit company keeps reporting negative feed back from my history. From XXXX my credit is score is XXXX and currently have XXXX and trying to rebuild my credit to get myself a car for my transportation to get better for my XXXX. 
I do not know what to do anymore.
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (TN)

I been disputing this company i never heard of they keep reporting as charged off everytime XXXX removed it they reported it back i even call this company they had my name spell wrong i advised them i never heard of this company i stay in a duplex with the same address we how to put. Right or left on our addres. This company name XXXX XXXX XXXXXXXX XXXX XXXX XXXX wi XXXX
Consumer complaint received 2022-08-16
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)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES EQUIFAX MORTGAGE SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES- EQUIFAX MORTGAGE SERVICES - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES EQUIFAX MORTGAGE SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX MI XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX
Consumer complaint received 2015-08-24
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Solidus Group LLC. (AZ)

I could afford it any longer. I defaulted on it. The company is XXXX cash advance. They are rude and threatening me and with legal actions. They called my son and said that he was on the application which is not true. I told them to never call my son and they said i had not rights to call and make demands, who did i think i was and so forth. I called and got the name of the company. Delaware XXXX. XXXX XXXX XXXX XXXX De XXXX fax XXXX XXXX XXXX i want them to stop calling my son
Consumer complaint received 2021-11-18
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. (TX)

On XXXX XXXX and XXXX XXXX hard inquiries had been wrongfully placed on my credit report by your office and you are being held responsible from here on the account youre currently reporting is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX 
To whom it may concern I want to inform your office that you are in violation of FCRA you have violated my rights by reporting false innacurate information by placing these false accounts on my consumer credit report .The accounts that are being reported as me I have no knowledge of them, be adviced by law I have the right to PRIVACY and you the credit reporting agencies have violated it.The of accused hard inquiries and dates FOLLOW AS XXXX XXXX SERVICE BY LAW WHEN A CONSUMER STARTS A DISPIUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNTS THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCY AS FOLLOW XXXX IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA.Under the 15 U.S.Code 1681-Congressional findings and statement of purpose ( a ) accuracy and fairness of credit reporting the congress makes the following findings. ( 1 ) The banking system is dependent upon fair and accurate credit reporting.Inaccurate credit reports directly impair the efficioency of the banking system and unfair methods undermine the public confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.TO ADD ON THE CREDIT REPORTING AGENCIES HAS REMOVED /DELETED THIS FALSE HARD INQUIRY ACCOUNTS ALONG WITH OTHERS BUT YOU XXXX ARE REPORTING THE FALSE INNACURATE INFORMATION.
Consumer complaint received 2022-11-12
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (NC)

I lost XXXX points on my credit score over a student loan that I don't have.

Firstmark service comes up with the incorrect information. My son has a student loan who is the primary owner and is still in school. Even if he is paying a little of his loan now I should not be blame or points taken away on my credit score. Please advise. Thank you
Consumer complaint received 2021-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the XXXX and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Consumer complaint received 2021-11-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TX)

Received email notice XX/XX/2021 with attached document. Address listed was one from nine years ago ( for my husband ) and mine was from over a year ago. 
We responded to the email XX/XX/2021 noting that we have tried to contact them with the provided phone numbers. Each number automatically disconnects when the caller follows the prompts to speak to representative or an operator. 
They responded with the same phone number. 
I responded XX/XX/2021 with another request to speak with a representative to resolve the issue. I received an email from another individaul with the same useless phone number. 
I have provided an updated address and called the following numbers within listed business hours with no success. Some numbers have been tried multiple times. 
XXXX XXXX XXXX XXXX XXXX XXXX I am trying to reach someone because I have concerns about the validity of this debt. I am unable to and am concerned this will put me at a extreme disadvanatge in the years to come.
Consumer complaint received 2022-11-12
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: CITIBANK, N.A. (TN)

Amex/Citibank , N.A customer service has been contacted several times regarding this account, I am not an authorized user of this account, I never allowed my information to be used not do I have access to this account. This is fraud I have been treated very bad and even hung up on by customer services over the last few years regarding this account. I have asked for proof that this is my account. I don't know any account information because this account does not belong to me nor do the addresses match. Please remove this account from my records.
Consumer complaint received 2022-11-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Comerica (CT)

My Wallet was missing from my apartment dresser on XX/XX/2022. I got a bad feeling about the same time I noticed that my wallet is missing ... .I got XXXX XXXX A attempt to withdraw from my Account.all on XXXX All Declined XXXX XXXX and XXXX {$900.00}. 
XXXX  and XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$20.00} Declined. 
XXXX XXXX XXXX {$89.00}
Consumer complaint received 2022-11-12
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: EQUIFAX, INC. (MI)

EQUIFAX is refusing to provide me clarification as to why they are reporting certain information on my credit report. 

Please review the following. 
Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

I am coming straight to you because I have been the victim of your entire previous page list : I had to best choose inaccurate info because the underlying theme BEYOND XXXX breach they did not notify me about, or the XXXX application fraud I filed with FTC yesterday : the furnisher of incorrect information on 2/3 credit reports, as well as government and courts is lexis nexus. I will hand write all my disputes to them after I leave XXXX XXXX IL police dept tonight. I have had unemployment fraud, triple charges for numerous single purchases- no hotel when I show up to my air bnb with a child in Arkansas XXXX Ive had XXXX XXXX caution me against complaining to XXXX when fraud occurred. There is this attack on my reputation. 4 years of full time employment at XXXX, a professional driver- I look at my reports : all I see is employment from over 7 ago, numerous old financial marks- wrong address in XXXX NY & Wrong SS # ( XXXX ). XXXX has a phone number for XXXX XXXX NV as my contact. Every package I order comes with the wrong phone number on it, or I get charged 2-3x. XXXX had a data breach and is the only correct, XXXX XXXX report. This happened a few years ago also, all at once I dropped XXXX pts and an onslaught of claims over 7yrs old that I had to spend hours disputing. This time its just XXXX application fraud, XXXX pt drop and wrong name spelling, state, SSN, phone number And they call themselves legal aid? Lexis Nexis has furnished this incorrect information making me look like the falsely unemployed, false insurance patient with neurological doctor visits that I never had- As well as all the other falsities they have on me. What does XXXX PD have on me? What does XXXX XXXX PD have on me? Cuz they have me connected to someone who lives in both those states, 1 with a different ssn! I am afraid that I will be arrested or show up with XXXX tickets and XXXX warrants!! Or XXXX loans. They need to correct my information because they furnish the sensitive, critical personal information- why is it wrong? This is day XXXX of my life ignoring my child to deal with no pay and drama so I hope this gets straightened out and I dont get arrested at the XXXXPD tonight. I have placed a freeze on Lexis Nexis file as well as all 3 credit bureaus.
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY (GA)

I HAD A CREDIT BALANCE ON MY AMERICAN EXPRESS CARD FOR AMOUNT OF {$21.00} AS PER XX/XX/2016. I CALLED CUSTOMER SERVICE ON XX/XX/2016 & SPOKE TO XXXX XXXX . I REQUESTED HIM FOR REFUND CHECK FOR {$21.00}. TODAY, I RECEIVED STATEMENT OF THIS CREDIT CARD WHICH CLOSE ON XX/XX/2016. I DID NOT GET MY CHECK. CUSTOMER SERVICE OF AMERICAN EXPRESS IS VERY BAD & UNTRUSTWORTHY. IT IS NOT FAIR THAT THEY HAVE ALL THE RIGHTS TO COLLECT LATE FEE, INTEREST & REPORT TO CREDIT BUREAU. THEY SHOULD BE EQUALLY PENALIZE AS THEY DO WITH CUSTOMER. THEIR CUSTOMER SERVICE IS IN XXXX & THEY DO NOT HAVE ANY RESPECT FOR AMERICAN CUSTOMER.
Consumer complaint received 2022-04-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Center, LLC (NY)

Pursuant to 15 USC 1692g Credit center is stating that me a consumer owes a debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request credit center offices to provide me with competent evidence that I have any legal obligation to pay them
Consumer complaint received 2022-11-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C. (MO)

This law firm has harassed me about a debt that has not been validated by any means. They have failed to show me the original contract that I signed in ink. An electronic signature, bank statements, or anything that does not show the original agreement between XXXX XXXX and BLITT AND GAINES or XXXX XXXX XXXXXXXX XXXX This is fraud on their behalf. They are acting on the behalf of a dead corporate entity ( XXXX XXXX ). I am still receiving harassing letters by BLITT AND GAINES saying I owe the alleged amount. I owe nothing because I am the original creditor.
Consumer complaint received 2022-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servatus Corporation (FL)

I do NOT have any debts. I do NOT know why this company is calling and harassing me. I've asked them to stop calling me and they persist. The company calls and doesn't leave a message. I XXXX XXXX searched the number XXXX and it comes up at Credit Solution Corp.
Consumer complaint received 2022-10-01
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. (NC)

I am a natural person, I am a living human being, I have right under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights numerous of times and I demand the accounts listed below to be removed because ; According to 15 USC 1681, I have the right to privacy and i didn't give Equifax permission to furnish these accounts : XXXX ACCT # XXXX, ACCT # XXXX XXXX ACCT # XXXX, XXXX  ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX/W ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXXXXXXXXX**** XXXX ACCT # XXXX XXXX XXXX XXXX Acct # XXXX,, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ACCT # XXXX XXXX  ACCT # XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX
Consumer complaint received 2016-07-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

Credit card company double charged me for a statement and is not responding to calls. Called them every day for 5 days straight. Everytime, I 'm on hold for up to 1 hr. 

Also, website does not provide any way to learn how to cancel the credit card. Their product is predatory.