davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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. (MN)

I bought 2 vanilla gift card at a XXXXXXXX XXXX and when we went to use them ( 2 separate dates ) both cards were declined. We then checked the balance and transactions online and noted both had been used but not by us. We had no idea the business used at. We contacted vanilla gift card filled out a dispute form and appears they dont really care and no follow through has been made. Very frustrating as we have basically lost {$200.00} and yet no one is responsible for this.
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX Date Opened : XX/XX/2016 Balance : {$32000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (UT)

The credit bureaus have yet to provide me with any results to the disputes I have sent to them multiple times! I've been keeping an eye out on the mail for any responses and have yet to receive any correspondence or results!! I don't understand how they can just ignore disputes and report inaccurate items. I understand with the pandemic there is a delay but it can't possibly be over 4 months long. Under the law they are supposed to be providing results. They need to remove the inaccurate items off my credit ASAP.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX Capital One received an entire outstanding balance payment of {$63.00} from me and should have been a XXXX  balance. They claim the bill was due XXXX. A bill for annual membership {$25.00} which was not designated on the bill plus a {$.00} interest arrived XX/XX/XXXX. I inquired via telephone about the {$25.00} fee and was told it was annual membership fee. I told the call center rep. I did not want to pay a member fee and she stated no supervisor was on duty to resolve the problem. On XX/XX/XXXX I closed the account because I believed the Capital One organization was commuting financial fraud against senior citizens in their billing practices and lack of forthright listings on the billing paper form. Calling back to Capital One on XX/XX/XXXX after receiving the XXXX billing statement which was now {$51.00} with an unlisted late fee of {$25.00}. The minimum suggested payment due is {$51.00} leaving {$.00} balance to start all over a chance for the next minimum interest of {$.00} and possible late fees. Two employees were unable to fairly resolve this dispute. I closed the account and believe I only owe the {$.00} interest and no fees.
Consumer complaint received 2020-11-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NV)

I used a referral link https : XXXX to download the XXXX  app, but I saw no confirmation upon sign up nor did I see anywhere within the app to add my referral. I requested by email that XXXX confirm the referral is on my account and that I will get the {$50.00} bonus if I receive a qualifying direct deposit of {$500.00} or more. XXXX email and phone support agents refused to acknowledge my promotion eligibility despite it being publicly offered here XXXX XXXX XXXX and me fulfilling the signup terms. 

I used the referral link https : XXXX. It goes to the XXXX website. The website then links to the XXXX and XXXX app store, with no personalized referral link, where I downloaded the app. I signed up assuming I was a referee. Nowhere in downloading the app nor in the signup process did it allow me to enter the referral code, or " order a card using the link provided '', or display the referral code in the original URL link. I asked XXXX by email and phone to please confirm the referral code XXXX  : XXXX is on my account as a referee. XXXX said it was unable to provide any confirmation and admitted by email that its system does not even allow the bank to confirm which codes are on which account : " Please be informed that we do not have visibility of your referral code and usually referral code will be included to the referral link email that you received. '' XXXX advertises the referral program but provides no way for referees to confirm the referral promotion is applied to their account nor eligibility for the {$50.00} promotion upon completion of the {$500.00} direct deposit. None of my account creation emails or materials provide any confirmation nor terms of the bonus despite this being advertised to the general public and the referral links successfully linking to the website. 

This is unfair and misleading as it tricks consumers into thinking they are a referee eligible for a {$50.00} promotion, thereby eliciting a direct deposit of {$500.00} with a promotion that is promised to the consumer but without confirmation of the terms provided before depositing the money. This also harms referer 's and robs them of their {$50.00} for the time they spent in acquiring referrals. XXXX is unfairly and deceptively tricking customer-referrers into advertising the product, promoting its website, and new referees depositing money with no confirmation of the terms nor way to track the earning of the promotional value offered. 

To date, I have received no automatic confirmation nor will XXXX provide a manual confirmation of the promotion being applied nor that it will be honored manually.
Consumer complaint received 2022-12-03
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. (LA)

In accordance with the fair credit reporting, Act XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, has violated my constitutional rights. 

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

15.U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency, can not furnish my account without my written instructions.
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

I am writing to file a formal complaint against LVNV Funding LLC, represented by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX, regarding the handling of my account number XXXX. I believe LVNV Funding LLC is violating my rights under the following federal regulations : 1. Violation of 12 CFR 10026.34 ( b ) ( 5 ) LVNV Funding LLC has engaged in misleading practices by providing false or deceptive information about the status of this debt. This regulation prohibits misrepresentation or failure to provide clear and accurate details concerning the debt owed.

2. Violation of 12 CFR 10026.34 ( c ) ( 4 ) ( i ) The company has failed to respond in a timely and clear manner to my inquiries and dispute of this debt, violating the requirement to provide prompt and accurate communication regarding the status of the dispute.

3. Violation of 12 CFR 10026.34 ( d ) LVNV Funding LLC has continued to attempt collection efforts without appropriately investigating or validating the debt, as required under this regulation once a dispute has been raised.

4. Violation of 15 USC 1681-s2 ( 7 ) ( a ) Furthermore, LVNV Funding LLC has not adhered to the Fair Credit Reporting Act by furnishing incorrect or disputed information to credit reporting agencies regarding this debt, despite being notified of the dispute. 

I respectfully request that the Consumer Financial Protection Bureau investigate these violations and ensure that LVNV Funding LLC is held accountable to federal law. I also request that LVNV Funding LLC halt all collection activities until the dispute has been thoroughly reviewed and resolved. 

Please let me know if any additional information is needed from my end. I look forward to your prompt attention to this matter.
Consumer complaint received 2020-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This company showed up on my credit report stating that i have an account in collections for {$940.00} on one letter they sent and {$960.00} on another letter. I originally did a written dispute on XX/XX/XXXX letting them that this debt is not mine and that it needs to be deleted off of my credit report immediately.. ( The address and name does not match my name and address at all. ) i gave them 31 days to respond they never responded. i sent them another letter on XX/XX/XXXX stating that since they didnt respond to my first request that this needs to come off immediately. they eventually responded back and said that this debit is " validated '' and sent me a bill, which is not what i asked for in either one of my letters to them. They continue to report incorrect data on my credit reports.
Consumer complaint received 2022-02-21
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: Radius Global Solutions LLC (AL)

I have previously filed a report stating the bills included in this report do not belong to me, Radious Global continues to report these accounts irresponsibly causing undue strain and stress in me. I am in the process of relocating to buy a home and my credit is reflecting these accounts prohibiting me from doing so. I would like these accounts removes as soon as possible. These accounts are being recycled to different debt collection agencies by XXXX.
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (UT)

XXXX. They failed to acknowledge my attached letter request. Their response was invalid because they never bothered to read my letter. That's critical when requests are sent in. I tried dealing with them directly but they continue to blow off consumers and refuse to acknowledge any requests submitted to them. Their fake response doesn't do squat for me or the issues I asked them to address. They should read it! 

XXXX. XXXX account was not closed in XXXX, it was closed sooner than that by me prior to it being charged off. This expiration date needs to be back dated to an accurate date. If it stays on longer I will sue XXXX, XXXX and Experian. 

XXXX. They continue to keep putting old addresses on my report that don't exist anymore. Not sure why but it needs to be removed period!
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (OH)

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.
Consumer complaint received 2020-11-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: D. SCOTT CARRUTHERS (CA)

I have sent a settlement letter to Mountain Lion Acquisitions INC and I have not yet got a response. Here what happen when I call about the letter. 1 ) I want to WHY representative said " I don't recall a letter '' and refuse to check the file? 2 ) They never told me the Mini Miranda Rights at the start of the call. 3 ) They falsely claim that they have a lien on a property which I don't own any property. So how can that be true if I don't own any property? So I guess it company policy to lie to customer to get them to paid.
Consumer complaint received 2022-10-18
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: CBC Companies, Inc. (FL)

I have the following several credit inquiries that were not authorized by myself. 

XX/XX/XXXX - XXXX attempted to access my credit report without my consent. Spoke with XXXX XXXX XXXX, a credit freeze and fraud alert was recommended. 

XX/XX/XXXX & XX/XX/XXXX - XXXX XXXX XXXX  ( XXXX ) pulled my credit report multiple days. I only authorized my credit pull on XX/XX/XXXX. 

XX/XX/XXXX - XXXX XXXX XXXX ( XXXX ) pulled my credit report without my consent. 

XX/XX/XXXX - XXXX XXXX  ( Factual Data ) pulled my credit report without my consent. I only authorized a report dated XX/XX/XXXX.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the lawI am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My Experian credit report and thus all related reports using Experian show 7 accounts with late payments. I actually have absolutely no accounts with late payments. 

When I try to determine what accounts Experian is referring to in order to file a dispute, all accounts report that there have never been any late payments. 

Each account reports " This item already shows that you are current and the terms of your agreement with the creditor have been met. This means that you were never late with your payments, so this item can not be disputed using this reason. '' There is no way to open a dispute because no account actually has late payments. 

Experian does not provide any way to file a ( necessarily general ) dispute at any of their telephone numbers. It appears impossible to reach a live representative at any of the numerous telephone numbers provided by Experian or found online. 

I would like to open a dispute with Experian requesting specific information on what 7 accounts purportedly have late payments, and upon failure to supply supporting information, have all reports and indications of late payments removed from my credit report.
Consumer complaint received 2020-11-25
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. (NV)

These are not my accounts listed. I don't have any medical debt, nor did I go to any doctor. Additionally, these medical companies supplying data to the the bureaus is in complete violation of the fair credit reporting act. I am not a credit repair company nor a mortgage company, but looking at the laws, I know this is a violation. Please remove them immediately. This also applies to the inquiries that are listed in this report as I did not authorize these companies to run my credit.
Consumer complaint received 2022-09-27
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. (GA)

I was looking over my credit reports and I found the information below to be incorrect. Please make corrections because these inaccuracies need to be corrected asap. 
In Accordance With the Fair Credit Reporting Act the information listed below has violated my federally protected consumer rights to privacy, and confidentiality under 15 U.S.C. 1681. Incorrect Address : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX, XXXXXXXX XXXX XXXX XXXXY XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Correct Name : XXXX XXXX XXXX. Incorrect Phone Number : ( XXXX ) XXXX, ( XXXX ) XXXX. Correct Phone Number : ( XXXX ) XXXX. Incorrect SSN : XXXX. Correct SSN : XXXX. This information on my credit reports is in violation of 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 instructions. 15 U.S.C. 1681a-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 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have sent a total of three letters to TransUnion in reference to accounts listed on my credit report asking for verification. They do not comply with the information requested in my letters to verify the accounts and they do not delete the accounts that they claim to verify. 

Letter Number 1 was sent on XX/XX/2020 Letter Number 2 was sent on XX/XX/2020 Letter Number 3 was sent on XXXX XXXX, 2020. 

I have copies of all three letters that I have sent in addition to return receipts that were requested with each letter.
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (IL)

I am appalled by the inability of the Credit Bureaus to properly investigate my Credit File and remove the disputed fraudulent accounts and information that are still reporting on my Credit File. Again, I was a victim of identity theft and I am submitting this CFPB Complaint as another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting agencies are required to remove any accounts and information not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}. Also, the Credit Bureaus have claimed that the Disputed items are verified and are reporting Accurate information thus they continued reporting the disputed items. However, I never received anything as proof of verification let alone any documents bearing my signature. If the Credit Bureaus continued their erroneous reporting, please understand I will initiate legal countermeasures.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my numerous complain regarding my credit report information that is questionable. I would like to dispute certain accounts in my file which I believe is possibly an Identity theft. 
XXXX XXXX XXXX XXXX XXXX Balance {$5100.00} ; XXXX XXXX  XXXX XXXX XXXX Balance {$3100.00}