davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (VA)

Description of Problem : This lender has charged of my credit card account even though they have written this amount off on their taxes. This lender is trying to obtain money that they have already wrote off as an gross income on their annual tax return to the IRS. Gross Income should not be reported on my consumer report. The IRS defines a charge off or canceled debt as gross income. They are criminally and civilly liable for trying to attempt to collect money from me that they have already reported to the federal government as an income. Also, according to IRS I Submit Pagewas supposed to receive a XXXX C from and never received aXXXX C form from the lender since the amount of debt canceled was over {$600.00}. Description of Problem : Amount Owed : {$3200.00} Date : Violations Broken : 15 USC Code 1681 s2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2021-12-17
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. (GA)

Dealer XXXX XXXX XXXX ( XXXX, FL. ) ( * ) intentionally and fraudulently misrepresented buyer contract down-payment figures on a vehicle loan amount in order to desperately secure a loan from financier XXXX XXXX XXXX XXXX XXXX, CA. ). 

The consumer/ buyer notified XXXX XXXX of the fraud and a investigation by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was launched. 

On or around XX/XX/2021 I had phone conversations with XXXX XXXX XXXX XXXX XXXX ) who confirmed that XXXX XXXX XXXX had demanded ( dealer ) XXXX XXXX XXXX 'RE-PURCHASE ' the loan. 

Since that time XXXX XXXX XXXX has refused my request for a copy of this demand letter and has reported the contents of the loan as accurate to all ( XXXX ) credit reporting bureaus. 

( * ) Reported that I submitted ( {$7000.00} ) dollar down-payment when in fact I only submitted ( {$3500.00} I don't believe I should be held liable for intentional misrepresentation and fraud in a fradulent contract.
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (OH)

AMEX YOU ARE BREAKING THE LAW!!! 

I have reason to believe and do so believe that this company is blatantly DISCRIMINATING against me. I have applied for multiple cards on multiple occasions and this bank holding company continuously deny me my right to credit. Per the equal credit opportunity act 15 usc 1691 it is unlawful for any one to discriminate because I have in good faith exercised my right under that section. I am a very frustrated consumer because this company has made it hard for me to extend credit to others. I dont care to continue to use cards from multiple institutions, I rather have all my cards from one bank for the sake of simplicity. Your constant denials is causing me to continue to lose confidence in the banking system and is making me not want to extend credit to any banks and making me not want to continue to allow any banks to profit off of my securities. It is essential that I receive the cards to continue to help money move around. It is unfair that i am being denied when bank literally are dependent on me as a consumer to keep money and credits flowing. Im demanding the cards be issued to me. Im fully aware that pursuant to 15 usc 1681m being denied is considered an ADVERSE ACTION against me per federal law you all can be held civilly liable for doing such and not following the laws. I am in fact an administrator per federal law 15 usc 1692c ( d ) and im aware I have and open end consumer credit plan. So as a consumer and customer i am demanding these cards.
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

While I was out of town my residence was burglarized. My bank and credit cards were taken as well as monies and other valuables. When I contacted the banks and credit card companies I learned of unauthorized transactions. I filed appropriate claims with the banks and credit card companies and filed a complaint wit the XXXX Police Department. I faxed a copy of that report to the banks and credit card companies ; however, Capitol One has stated that it did not receive the report. It has not resolved my claim, issued provisional credit, or otherwise taken adequatye steps to inmvestigate and locate the person ( s ) that are responsible for the unauthorized transactions.
Consumer complaint received 2022-03-30
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. (IL)

In accordance with the Fair Credit Reporting Act 1.XXXX XXXX XXXX Acct # XXXX -has violated my rights 2. XXXX XXXX acct # XXXX -has violated my rights 3.XXXX XXXX XXXX acct # XXXX -has violated my rights 4.XXXX XXXX XXXX act # 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 an account without my written consent.
Consumer complaint received 2022-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (SC)

" Commenity Bank '' has been calling me for the last 2 months asking for a XXXX about a " Good XXXX Rewards Card ''. 

The problem? 
1. I didn't even know Commenity Bank existed before the calls started coming in, which averages about 5 a day, Every Day, at all times during the daylight hours.

2. I'm not XXXX, nor do I know a XXXX. When I look up the name ( of course, this could be a different person ), it leads me to a doctor that died a couple years back. 
3. They call from 3 different numbers, and it's painfully obvious that the voicemails they leave are from autocallers.

4. They sent a couple texts with links, but those links lead to sketchy websites that scream " scam '' to me. 

I put " Commenity Bank '' in quotes, because I can't even be sure it's a real bank. From the research I did, this isn't a new occurence. I blocked their numbers, and they still leave me voicemails with Waiting Music and the same " Stay on the line for an important call. '' Prerecorded message. 

The 3 numbers in question they've been calling me from are XXXX, XXXX, XXXX.
Consumer complaint received 2022-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a dispute to Transunion via certified USPS tracking number XXXX. It was delivered on XX/XX/2022 at XXXX XXXX. As of today, XX/XX/XXXX, the items are still showing as still being investigated on my credit report that was pulled today. Per the FCRA, a credit reporting agency has 30 days to resolve a dispute or the items must be removed from the consumer 's credit report. It has been over 30 days and as of today I have not received any correspondence from Transunion regarding my dispute.
Consumer complaint received 2022-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (NC)

XXXX, Experian and XXXX assert all reporting credit bureau information is fraudulent fictitious statements ( 18U.S.C.1001 ) Based on the fact for over 5 years I have been homeless I have not Contacted any debtors that are reported on XXXX XXXX Experian, and XXXX The last date of any activities of those that have been reported on XXXX XXXX Experian, and XXXX was over 5 years ago any activity on these reported delinquent accounts Also it has been over 10 years is the last time I charged anything with a credit card, Therefore someone is fraudulent feeding fictitious statements ( 18U.S.C.1001 ) Information concerning the last time a made any payment to these accounts I need to know by what method and what means that these companies who file delinquent payments how they contact me cuz I never contacted them they have no phone number they have they don't have my address in XXXX  nor do they have my address in XXXX XXXX so how was a contact I dispute all the information fraudulent feeding fictitious statements ( 18U.S.C.1001 ) I attest all delinquent accounts reported exclude { " United States Department Of Education XXXX' LOANS which I will deal with them directly } all other delinquent accounts credit cards stores loans, ECT reported to consumer credit bureaus : XXXX, Experian and XXXX have already meet XXXX anXXXX XXXX XXXX Statute of Limitations on Debt. Therefore should be immediately removed and prevent these companies from being used by malicious persons trying to wreck my credit do not receive any more reports from them use the XXXX XXXX  and XXXX  statute of reporting credit debts limitation.
Consumer complaint received 2022-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (DE)

On XX/XX/XXXX I tried to process a payment from my PayPal account for {$21.00} into my granddaughter account for cookie dough. A very unsuccessful, numerous attempts, never had access to a link or button to confirm or cancel payment. Therefore I tried to send a {$21.00} payment to my granddaughter using a different account. CC. Again, there was NOT A LINK OR BUTTON TO deny CONFIRM & /or process the payment. 

PayPal accessed both accounts and deducted {$21.00} from each account without consent!! On XX/XX/XXXX & XXXX hrs with XXXX supervisor, {$21.00} was refunded back into my CC accounts. Then PayPal sent {$20.00} into my account ( from an undisclosed business? ) then deducted an e check from My connected account to an undisclosed business???!??? 

Nevertheless, the {$21.00} e check is showing as a deduction XX/XX/XXXX. @ XXXX XX/XX/XXXX XXXX ( PayPal XXXX  ) stated payment was made to unknown sources. I asked for my account to be permanently deleted. Her response was we will send you a link to close my account. DOES THAT MEAN I CAN NOT PERMANENTLY DELETE MY ACCOUNT & all my information??? What why I have the right to have my information deleted from an unethical company PLEASE HELP!!!
Consumer complaint received 2022-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX Account Number : XXXX Bal : {$800.00}. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (VA)

Description of Problem : This lender has charged of my credit card account even though they have written this amount off on their taxes. This lender is trying to obtain money that they have already wrote off as an gross income on their annual tax return to the IRS. Gross Income should not be reported on my consumer report. The IRS defines a charge off or canceled debt as gross income. They are criminally and civilly liable for trying to attempt to collect money from me that they have already reported to the federal government as an income. Also, according to IRS I Submit Pagewas supposed to receive a XXXXXXXX XXXX from and never received aXXXX XXXX  form from the lender since the amount of debt canceled was over {$600.00}. Description of Problem : Amount Owed : {$3200.00} Date : Violations Broken : 15 USC Code 1681 s2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX Account Number : XXXX Bal : {$800.00}. 
2. XXXX Account XXXX : XXXX Bal : {$0.00} 3. XXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$920.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2022-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

On Tuesday XX/XX/XXXX. Venmo froze my account without notice or explanation. I contacted customer service and was told to upload my drivers license which I did while on the phone. I was told by the rep they couldnt do anything and another department that would only contact me via email would have to look at my account. I have {XXXX} locked in my Venmo account t without reason. {XXXX} of that money was from my VA XXXX distribution and another {XXXX} was from my XXXX payment because I am a XXXX XXXX  XXXX vet. These are my living wages for the month and without explanation or a means to resolve directly I can not access them. I cant use my Venmo debit or transfer these funds to my checking account. 
My assumption is I use this acct periodically for my business I run and Venmo is upset I did not opt in for a business acct so they can charge additional fees. I did not even know they had a business Venmo until reading deeper I got heir help files. 
So without any notice, all my money has been stolen by Venmo
Consumer complaint received 2022-03-30
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: CAINE & WEINER COMPANY, INC. (SC)

In accordance with the Fair Credit Report Act, Caine & Weiner 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 602 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy federal states " We apologize for the inconvenience,. Check deposits can not be made by eMessage, and this item is not negotiable for deposit at NFCU. So, in order to fully assist me in understanding and resolving the inconvenience, I request that NFCU provide me with a full disclosure of what NFCU negotiable instruments are because prior to the agreement/contract that we entered into, along with a representative of NFCU saying it was " too late '' because I signed the agreement as if I was bound to the document, but as I fully understand that we have duties and responsibilities to uphold prior to the agreement, as well as the statement made - Navy Federal is authorized to supply any endorsement for the company And any seen the story on any chick or other instruments tendered for the account ( s ). And that statement doesn't say what instruments they are, as if I should know what the other instruments are and if they qualify as instruments. 

Prior to previous phone conversations, including one that lasted XXXX at XXXX on XX/XX/2020, during which a representative by the name of XXXX was receiving information from a source named XXXX, and also my visit to the branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NFCU has never disclosed what instruments were negotiable and non-negotiable prior to the statements made by NFCU agents and the statements in the agreement any check or other instrument And I fully understand Commercial paper is a type of negotiable instrument, where the legal rights and obligations of involved parties are governed by Articles Three and Four of the Uniform Commercial Code
Consumer complaint received 2022-03-30
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. (MI)

I submitted my police report to Equifax detailing a fraudulents account from XXXX and XXXX XXXX XXXX XXXX. The account numbers and fraudulent account details were included in my police report. I also included a copy of my drivers license and social security card. I requested that the fraudulent account be removed pursuant to the Fair Credit Reporting Act, Section 605B. XXXX verified my name and social security number that has been breached and ignored my police report detailing the fraudulent accounts that I did not open.
Consumer complaint received 2022-03-30
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. (IL)

XXXX XXXXXXXX On XX/XX/2022 I received a notification that someone applied for an account in my name and identity. However, it was not me. Upon this notification from XXXX I immediately filed a police report. I have also called XXXX XXXX to have the hard inquiry removed from the Credit report and the hard inquiry has not been removed going on two months now. Requesting for the hard inquiry to be removed from my credit reports.
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo holds escrow on the property to pay property tax and insurance. I received a letter dated 7 days before the insurance was due that they had not received the declaration page from the insurance company. When I logged into my insurance provider, the bill had not been paid and it was 8 days past due. 

I paid the bill and called Wells Fargo. After calling 2 different numbers and having to call back twice, finally reached a person. I explained the situation. They verified they had all my correct contact information for mobile number and email. They said they only contacted insurance company to try to get the bill. They did not contact me at all other than the letter that reached me AFTER the bill was due. 

I requested a refund of the insurance payment and they told me I would have to contact the insurance company. I told them I wanted a refund from the escrow and I also wanted to hold escrow going forward because I did not trust them to pay my taxes and insurance. 

After being transferred to 2 other people ( and almost an hour later ), I finally spoke with a supervisor. She told me it was the mortgage company 's policy ( they service the loan for XXXX XXXX ) that the load must be 2 years old. 

What are my options? I don't trust Wells Fargo and I don't have the time to deal with this situation on a regular basis. I need the insurance money paid back and I still do not know if or how they will do that.
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (TX)

I received a call today from a collections agency ( Amsher ) ( amsherconsumer.com ) from number XXXX asking to pay for {$1000.00}. Related to internet/cable service. originally I thought it was a fraudster attempting to get my credit card information and asked for the name of the company that did the report and account number. The Company is XXXX XXXX. I called the customer service line and the XXXX department and they informed that is an actual account under my name. However, the only information that matches my real information is name, date of birth and phone number The service was opened in XX/XX/XXXX - XX/XX/XXXX in New York. I never requested, authorized a service in NY and never lived in NY. 
XXXX  is reviewing what happened and will get in contact with me within XX/XX/XXXX hours. 

A police report, a report with the three major credit reporting agencies and a complaint with the Federal Trade Commission is already requested.