davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have five unauthorized hard inquiries on my credit report. I tried calling the companies directly who told me to call XXXX which directed me here. The dates are all from XX/XX/2020. Please help me proceed.
Consumer complaint received 2022-07-18
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. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (CA)

I've notified all three credit reporting agencies about fraudulent activities. All have been notified in writing and online of my DISPUTE. 
I'm having issues with XXXX. One of two large accounts has been removed. One from LVNV Funding LLC in the amount of {$2700.00} has not been removed by them. Both of the accounts ( in the amounts of : {$5000.00} & {$2700.00} ) have been removed by XXXX. This reinvestigation has been ongoing for more than 30. I was notified by XXXX they needed to extend the time to XXXX and then extend to XX/XX/XXXX. This one account of {$2700.00} has not been deleted from my credit report with XXXX. Once it is deleted/removed, I will be approved to rent a studio apartment at a HUD community XXXX I've been denied due to these two collections that aren't mine. 
Please help me get this removed as I am a XXXX ( physically, mentally, and financially ) as well as identity theft. There are several people that have my SS number, CA ID, full name, and date of birth. It's very easy for someone to apply for credit in my name. All credit inquiries since XXXX are not mine. I only pay with my debit card or cash. I have not opened any line of credit or applied for anything other than this HUD apartment. Previously I was a home owner for 28 years. 
THANK YOU!
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my credit file and unfortunately found that some of unauthorized inquiry were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the unauthorized inquiry from my credit file within the next 15 days. 
XXXX XXXX Inquiry : XXXX. XXXX, 2022
Consumer complaint received 2022-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

i discovered on my XXXX report i have the following collection -Collection Agency - NOT MINE.- -Collection Agency CONVERGENT OUTSOURCING, XXXX Balance Date XX/XX/2022,, Original Creditor Name XXXX XXXX XXXX XXXX {$550.00} CONVERGENT OUTSOURCING , INC . 
XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX
Consumer complaint received 2023-07-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp. (GA)

in this time we're struggling on inflation and. I request many time for. payment extension and they refused doing that even my car payment is not high like. it's just left almost XXXX on with the bank. and they always refuse. They have the reason they says I have done all extension. on my account which is they using the extension account without my permission for COVID 19 since hit in XXXX I. know they're going to use all my extension months. I refuse to let them but they don't tell me until I decided to. have extension on XXXX because this inflation on this hard kind to collect the money and everything is raised up like a food rent utility and they keep refusing give me any at least one month extension I'd like to complain about that with the bank name is stirred the finance XXXX  XXXX  XXXX XXXX. That's my story. I wish I had two months extension to can step up to I can. stand up on my feet again until I pay off my car. Also, I'd like to add something. They give me two times or three times fees and they not wave, wave down this feed. because I'm struggling. The payment they don't respect, they don't appreciate long time term with them and they are keep. give me a fees and they don't give me a one at least one month of extension. My payment
Consumer complaint received 2021-08-10
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. (TX)

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2500.00} Status Account charged off. {$2900.00} written off. 
XXXX XXXX XXXX Potentially negative ount info Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1900.00} Balance updated XX/XX/XXXX Recent payment {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XXXX XXXX Balance {$4200.00} Balance updated XX/XX/XXXX Recent payment $ 400 Monthly payment {$380.00} XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$390.00} written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00}. 









ALL FCRA VIOLATIONS SEE HANDBOOKS : NOT MINE
Consumer complaint received 2022-07-18
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Acct # XXXX has violated my rights, 15 U.S.C 1681 section602 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 an account without my written instructions.
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (SC)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-08-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

Over 45 days ago I sent in a dispute to the 3 consumer reporting agencies for reporting incorrect information on my report. Because of this mistake on my report it has caused me be turned down for employment opportunities. According to what I read on your site it is the responsibility for you to protect the consumer and I dont feel that is happeneing. I ask that you hold the bureaus accountable for ignoring my request and do something to help me. This has caused stress on my marriage because I have to be able to take care of my family and I need this to be corrected as soon as possible. I have waited and waited and all I keep hearing is the 30 days well its past that so now what??
Consumer complaint received 2022-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (IL)

I received, via USPS, a letter from American Coradius International LLC that I owed XXXX {$680.00}. I do not have a XXXX account. I had one many years ago and have not used XXXX in years. I tried to call the company, someone picked up the telephone, but did not speak. I also didn't speak, but listened to people speaking in the background, the person breathing on the telephone. After 5 minutes, I hung up. 

I then contacted the FTC and I was instructed to look at my 3 credit reports to see if this fee was on there. There is nothing on the 3 credit bureaus reporting this debt. 

I was a victim of Identity Theft in XX/XX/XXXX and XX/XX/XXXX, as someone filed for unemployment under my name. No funds were ever paid out and I had the 3 credit bureaus freeze my credit. I unfroze the credit the summer of XXXX.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : misleading false reporting you can not report late payments on a charge off XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA
Consumer complaint received 2022-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (CO)

XXXX XX/XX/2022 my Zelle profile was inexplicably locked. Both my phone number and my email address were flagged as ineligible for use with Zelle. I contacted my bank ( XXXX  ) in an attempt to resolve the issue through them. XXXX told me they would work to resolve the issue with Zelle and everything would be fixed within a couple of business days, I waited two weeks with no resolution. I filed a support ticket with Zelle directly about this on XX/XX/XXXX, however despite the assurance on Zelle 's website that someone would contact me within two business days I never received any response. After calling my bank nearly a dozen times they were finally able to inform me that a person I had never met claimed I was guilty of {$250.00} of fraud, the claim was filed through a bank I had never done any business with ( XXXX  XXXX ). XXXX told me there was nothing more I could do and that I needed to call Zelle directly. 

I called Zelle, their customer service representative told me I should just file a support ticket through their website. When I told him that I had already done so over a month ago he told me that meant I should just figure out a different way to send money. 

My family and myself previously relied on Zelle to pool money into one bank account in order to pay rent. Zelle 's sudden locking of my account without warning caused some funds to be held 'in limbo ' for a few days, causing enormous financial hardship on all of us. 

Zelle promises to be a " Fast, safe, and easy way to send money '', however they have instead been a slow, insecure, and fraud-ridden way to make money disappear.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

FROM : XXXX XXXX Account # XXXX XXXX XXXX XXXX TO : US BANK ACCOUNT SERVICES Hello, My account is under review for an altered/Fraudulent Check This is a lie. The check was from my Insurance company and I have the proof it is not fake right here. 
I came into the XXXX XXXX branch earlier last week ( XX/XX/2022 ) and spoke with the manager XXXX XXXX. He told me my account was to be closed due to a fraud check which is not true. He actually accused me of this and was very rude. My insurance adjuster provided me the check and the proof my check was real. I cashed this at another bank but you still have my money from a separate {$5000.00} deposit I made before I made this one and my account is still on hold. 
I have attempted to contact him multiple times via phone and email and he wont respond or I got an auto email telling me hes out until the XXXX! 

I need this account restored TODAY I can not allow you to hold this any longer and I have called and emailed your branch and the back office and the fraud dept and multiple times and have been ignored. The branch is the only one who can remove the hold. I want that REMOVED NOW! Here are the images of the check and the link to the page you can view the check issued from my insurance company it matches the check I deposited and the other checks I deposited from this same accident. 
Click Lick for info on check issued XXXX XXXX XXXXXXXX? XXXXXXXX XXXX XXXX You can call my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want my account unfrozen and money today the number you gave me said directly TWICE only the bank manager can do this. 
Thank You XXXX XXXX Account # XXXX XXXX XXXX XXXX ATTACHED : IMAGES OF CHECKS
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

I was the victim of false charges to my account by XXXX, with whom I have NO business dealings. I have twice filed fraud charges with Wells Fargo, my bank. They have refused to acknowledge it as fraud and have closed the case for the second time. I have been instructed to seek recompense from XXXX for the charges to my business checking account. 
XXXX charges in the Amount of {$1600.00} were leveled at my account on XX/XX/XXXX, using a debit card ( NOW XXXX ) ending in XXXX. Three went through and one was declined. I saw them on Saturday the XXXX of XXXX as pending charges. I immediately called and asked the charges not be honored and reported it as either fraud or identity theft. The charges came through on the following Monday. Now I am out the money and so far people just shrug and say they can not help me. 
The charges were as follows : PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX web service XXXX  WA XXXX CARD XXXX {$1600.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX web service XXXX WA XXXX CARD XXXX {$1600.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX web service XXXX WA XXXX CARD XXXX {$1600.00} XXXX IS where the money went and I HAVE NO BUSINESS RELATIONSHIP WITH AWS! HOW CAN XXXX SIT ON MY MONEY AND REFUSE TO SAY WHO GOT THE BENEFIT OF MY WAGES? ITs MORE THAN MY COUNSELING BUSINESS MAKES IN A MONTH! I HAVE NOTHING TO SHOW FOR IT. I will have to try to expedite my claim with state and federal authorities. The stress is hurting my health. Is there no one who handles these kind of fraudulent charges at your company? Clearly Wells Fargo is not willing to help. Both XXXX and XXXX say there is nothing that can be done. I need someone to explain why a business can take my money without my permission, then tell me nothing about who benefitted from my {$4800.00}?
Consumer complaint received 2023-10-31
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have two claims for transactions that were made by someone who stole my cards. After receiving all my records I filed these claims for purchases made without my consent. I contacted boa and asked them to give me provisional credit within ten days as they are supposed to. Please help me get my money reimbursed to me
Consumer complaint received 2022-07-18
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: TRUIST FINANCIAL CORPORATION (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX accounts XXXX, and account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

I did an instant deposit of {$120.00} fro. CashApp to an unauthorized bank account. I have no idea how this bank account was on my CashApp account ; I've only had one bank for a very long time. They had the capability to refund and return the money but refused to do so.
Consumer complaint received 2021-12-15
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: NAVY FEDERAL CREDIT UNION (FL)

I tried contacting the creditor Navy Federal Credit Union to inquire about the account in question and was told they don't have any legitimacy or verifiable information that ties this account to me. When I spoke to a representative I asked if they have any kind of contract, full account number, and/or my full SSN associated with this account and I was told that it has been transferred to another company called The XXXX XXXX based in California. I then proceeded to call The XXXX XXXX about the erroneous account and was told they only have a partial name of said person with the charge-off account in question. I then asked could you produce any legitimacy or verifiable information in regards to my full legal name, Full SSN, full account number, or a contract with a wet signature of mine with this erroneous account? They told me they do not have that information and to call Navy Federal. I have been getting the runaround with Navy Federal and The XXXX XXXX about this account. I tried contacting the Credit Bureaus as well which stated according to Identity Theft pursuant to FCRA 605B ( 15 U.S.C 1681 C-2 ) stated that account needed to be deleted in 4 days if they can not produce verifiable documents associating me to this account. XXXX has deleted the account, but XXXX and XXXX have failed to do so. Ive also filed a Mistaken/Identity Theft report with the Federal Trade Commission ( FTC ) to expedite this, as I attached a copy of that report to this e-mail to get this deleted/removed from my credit report.
Consumer complaint received 2022-07-18
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. (NV)

I applied for the Chase Southwest Rapid Rewards card in XXXX of 2022. I was approved and the card was sent to my mailing address. When I received the card I activated it and starting using it. Literally days later I started having issues with the company locking my card. I called in numerous of times and told them I was using my card and that all transactions were valid. The company decided out of the blue to close my account because they thought I was a victim of identity theft. I confirmed with the company that it was not identity theft and that I was using the card. I requested that they open my card back up and they denied me. THIS HAS ALSO HAPPEN TO ME IN THE PAST WITH THIS COMPANY I HAD A CHECKING ACCOUNT AND IT WAS CLOSED FOR NO REASON.
Consumer complaint received 2023-10-03
Product: Credit reporting 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. (NC)

Inquires i did not authorize listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery is the company in question. I was part of a class action lawsuit involving them several years ago. For at least the past two years, I have been receiving persistent calls from them, which Ive tried to ignore in order to avoid further conflict. On occasion, Ive answered the calls and requested that they remove me from their contact list, as the debt they are attempting to collect has already been resolved. 

However, the calls and voicemails have continued, despite my repeated requests. While I have not been threatened with legal action, I have informed them about my involvement in the class action lawsuit related to their harassment, and have instructed them to stop contacting me. Unfortunately, my request has not been honored.