davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXXXXXX XXXXXXXX XXXX  with account # XXXX opened on XX/XX/2016 and a balance of {$2000.00}. 


I believe this account is inaccurate and should be removed from my credit report immediately. Please verify that this is a previously removed collection/Charge-Off. The information on this account is extremely false and fraudulent. i have sent several credit dispute letters involving this account and it was removed from my XXXX report then added back months later. I need this removed from all my credit reports and also this is over 7 years. please delete this! 

This is against the Consumer Financial protection bureau and this Company is violating the Debt collection practices.

I am aware of my rights under the FCRA, and I believe this collection account is not valid. I expect a timely response to this dispute, as required by law. Please conduct a thorough investigation and remove this account from my credit report if it is found to be inaccurate. I kindly request that you respond to this dispute within 30 days from the date of receipt, as mandated by the FCRA. Failure to respond within the specified timeframe may result in legal action.

Thank you for your prompt attention to this matter. I look forward to a resolution that reflects the accuracy of my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter. Sincerely,
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I filed a police report because someone is using my credit card. From XXXX to XXXX, my credit card was being used without my authorization. I still have my credit card in my possession but this person was able to activate a card I had never received from citi bank and use that to make over XXXX K in purchases. I have filed a police report and Citi bank continues to close my dispute. They confirmed the first of these disputes, a XXXX charge for XXXX $ but denied all of the others. I explained to them that there is a pattern of behavior following that first initial charge.
Consumer complaint received 2024-02-08
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't stop withdrawals from your bank account — 
Company: OneMain Finance Corporation (NJ)

My account is paid in full until XX/XX/XXXX because One Main was illegally withdrawing the full payments from my acct XX/XX/XXXX through XX/XX/XXXX while receiving the full insurance payments due to hardship at the same. 
On Friday XXXX, One Main attempted to withdraw {$280.00} from my back account. I called them and told him no payment was due. They agreed, but said I needed to stop the payment in advance even though I'm under their active insurance claim. I told them the money was not in my account, and to remove me from auto pay. They were fully aware the funds were not due, and are not available in my account. 
I filed a claim with CFPB ( complaint ID XXXX ) on Friday XX/XX/XXXX because of how this was all handled and the fact they were continuing to debit my bank account KNOWING fully that we were under an ACTIVE insurance claim due toy husband 's unemployment. 
This morning, XXXX, I awoke to an alert that One Main tried to redeposit the check AGAIN today after already speaking with someone on Friday and verifying this was not supposed to be processed. 
One Main has caused MULTIPLE checks to bounce and fees to generate due to their negligence. I am completely XXXX with no income XXXX XXXX XXXX XXXX XXXX. My husband, and sole provider for our family, has been laid off since XXXX. WE PAID FOR THE INSURANCE AND THEY WONT STOP TAKING MONEY FROM MY ACCOUNT!!!!
Consumer complaint received 2024-10-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year> ( and processed on XX/XX/year> ), I sent a XXXX payment of {$390.00} from my Bank of America account to an individual named XXXX XXXX at phone number XXXX ( alternate number XXXX ), believing I was making a legitimate purchase of XXXX XXXXXXXX XXXX XXXX XXXX ticket for row XXXX XXXX XXXX. This individual assured me that I would receive the ticket, but after the payment was made and processed, they claimed that the payment had never reached them. They then claimed that they had refunded me the {$390.00}, without providing any credible evidence. When I simply requested an update on the situation, this individual accused me of scamming and proceeded to stop all communication since XX/XX/year>, despite various attempts at phone calls and messages. Furthermore, despite claiming that the phone number XXXX was no longer available except for XXXX purpose only, this individual somehow managed to use this number to text messages with unclear meanings until XX/XX/year>, before stopping this communication as well. Before stopping the communication, this individual assured that the refund would be resolved by " this week '', meaning by XX/XX/year>. I have eventually sent a clear message to the individual via XXXX  chat and the two phone numbers above requesting to respond to the choice of either delivering the promised product or a refund of my payment by XX/XX/year>, XXXX XXXX  XXXX. Please note that this individual has been very active and responsive but became inactive once the payment was fully processed. I have not received any response. It has been two weeks since I have made the payment ( not when the payment was processed ) and this individual ultimately did not provide the promised item nor refund my payment. 
It became clear that this was a fraudulent transaction, and I was deceived into authorizing the payment under false pretenses. I authorized the transaction based on the belief that I was conducting a legitimate transaction. However, I would not have authorized it had I known it was part of a scam. While I authorized the transaction, I didnt authorize fraudulent use of the funds.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My personal identity was leaked twice in a data breach. The first occurrence was on XX/XX/XXXX, and I received a letter informing me of the incident on XX/XX/XXXX. The second occurrence was on XX/XX/XXXX, and I received a letter dated XX/XX/XXXX. 

Since then, numerous attempts have been made to open credit cards and loans under my name. I contacted the individual companies on each occurrence, reported fraud, and placed a freeze on my credit file on XX/XX/XXXX. Disputes I've made over incorrect addresses, phone numbers, accounts, etc. on my credit file ( XXXX ) have been denied by XXXX and XXXX on multiple occasions. A recent dispute I filed with XXXX XXXX XXXX to remove an additional account under my name ( used fraudulently ) was denied. This is not acceptable ; I have been subject to identity theft on at least two occasions. I have attached extensive records to support this complaint. Included are the letter
s originally sent informing me of the two separate data breaches. I've attached a police report that lists me as a victim of fraud on page five of the attachment. Portions of my credit file ( s ) with the fraudulent account ( XXXX  ) & inquiries still included are attached. Finally, I will include identity theft report ( s ) filed with the FTC.
Consumer complaint received 2023-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (PA)

Between XX/XX/23 and XX/XX/23, PNC Bank and XXXX XXXX XXXX XXXX XXXX allowed mobile deposits of stale dated checks and checks that had previously been cashed to clear from my business debit account. The stale dated checks totaled {$7300.00}, and the double-cashed checks totaled {$4000.00}, which makes the grand total {$11000.00} by my calculations. XXXX XXXX XXXX  worked to dispute and return the double-cashed checks, but PNC told them that they refuse to return the stale dated amounts since they weren't fraudulent. These checks were generally between 1-2.5 years old, there were nearly 60 checks in total.
Consumer complaint received 2024-02-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Worth Finance Corporation (TX)

Worth Finance company is a scam. This company has too many bad reviews. They sent me a loan check in the mail back in XXXX of XXXX for {$1200.00}. ( I should have known it was too good to be true ) with a HIGH interest rate. Anywho, I have been paying them monthly until I lost my job last year in XXXX of XXXX. I told them about my situation. They kept calling me about making payments. I got frustrated with the MANY calls I have received. Of course I blocked their number and they called from SEVERAL different numbers. Even harassed my mom to where she had to block them as well. They also came to my home a few times to leave a letter which is pretty much harassment at this point. They were invading our privacy. Theyve also emailed me today, XX/XX/XXXX and I spoke with a lady over the phone about my situation. I tried emailing her back, but they have it set to where I can not reply back to them. She was still wanting me to make a payment and threatening me about taking it to court and possible taking me to jail. She did not allow me to talk and was talking over me when I stated they were harassing me and even came to my home a few times. Then she hung up the phone in my face. She knew they were wrong and didnt want me to say my peace on a RECORDED LINE. She was not professional at all.
Consumer complaint received 2023-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (NC)

I have contacted American Express rewards program more times I can count, at least 10 times. My father had enough points to request 2 {$500.00} XXXX XXXX XXXX, per the customer service rep. the first five times I requested the gift cards, starting in XX/XX/2023, I received a generic back office reply stating that I did not submit all of the information. Customer service, the only department I could speak wtih, could not clarify what information was missing, and I had submitted all requested documents, including my dad 's will, my dad 's death certificate, letters of office stating that I could act as an independent co-executor, and details of the redemption request. Finally in XX/XX/2023 my attorney got involved, and Amex requested that I get my siblings to also authorize the redemption. When that was finally completed, I received a letter back that the gift cards were not available. When I recently called they indicated that that program went away in XX/XX/2023, and now I could only get Amex an gift card for {$500.00}, half the value of the original promised redemption and all notes are on our record that document the numerous emails and phone calls I have made to them over the past 6+ months. I have been caught in an endless customer service loop, and the value of my father 's estate should not be halved due to the original claim date. This has been an endless and very frustrating experience that has not yet been resolved.
Consumer complaint received 2023-11-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

Subject : Request to Cease Contact Regarding Alleged Debt Dear Sir/Madam, I hope this letter finds you well. I am writing to address an ongoing issue that I have been experiencing concerning the receipt of letters from your office regarding an alleged debt. I would like to inform you that I have never entered into any contractual agreement with your company, and therefore, I do not owe you any debt. Also listed on my credit report twice. 

As a third-party debt collector, it is essential that you understand that I have thoroughly reviewed my financial records and have found no evidence of any outstanding debt owed to your company. I kindly request that you stop calling and mailing me regarding this matter immediately. 

I have taken the time to educate myself about consumer laws and my rights in such situations. According to the Fair Debt Collection Practices Act ( FDCPA ), in order for any alleged debt to be considered valid, there must be a valid signed contract between the debtor and the collector. As I have not signed any contract with your company, it is XXXX clear that I do not owe you any debt. 

I kindly request that you respect my rights as a consumer and cease all communication with me in relation to this alleged debt. Additionally, I would appreciate it if you could remove any negative information related to this debt from my credit report, as it is incorrect and misleading. 

Please understand that any further attempts to contact me or any failure to comply with my request will be considered a violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights. 

Thank you for your immediate attention to this matter. I expect to receive written confirmation from your office within 30 days acknowledging that my request has been honored and that all contact regarding this alleged debt will cease. 

Yours sincerely,
Consumer complaint received 2024-02-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Fort Walton Beach, Inc (AL)

I was living at XXXX XXXX, an XXXX  broke out with XXXX of my friends and a neighbor. I was with my friend at the time. They XXXX, BUT I DID NOT PARTAKE IN ANY OF THE DRAMA. I called the police and ambulance. I was told I had to move out of my unit without hearing any side of my story or what happened from me they completely believed the neighbor who lied on me because I was the other XXXX friend. Before all of this I gave a XXXX  days notice to move. Then I was told I had to move immediately. No time to really find another home or anything. I even brought police who stated I had nothing to do with it. Being that I had to move so fast I did leave the unit a little dirty I ADMIT THAT! But even in the photos its not filthy as they stated on the form. Also they claimed I pulled up ALL OF THE FLOORING. If you look at the photos all of the flooring is there. I only removed the stairs on on bedroom which is not in the photos. They said I skipped out on deposit ANOTHER CHARGE IM BEING CHARGED FOR, how when I gave you XXXX  days notice I have emails to prove this. The office staff was so rude to me and didnt like me because of my XXXX  XXXX. She cursed me multiple times upon telling me to leave and this is why I assume Im being charged all these excessive fees. The debt collection company can clearly see in the photos that the charges are extreme and false
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

This account should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY! 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XX/XX/2023 XXXX. {$110.00} XXXX. {$520.00} XXXX. {$520.00} XXXX. {$1400.00} Im disputing the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of the original contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. XXXX XXXX XXXX are illegally attempting to collect the above-listed alleged debts and money that I do not owe.

Duty to Promptly Correct and Update Information. Section 623 ( a ) of the FCRA also requires a person who regularly furnishes information to CRAs to promptly notify a CRA if the person determines the previously furnished information is not complete or accurate.

Ive requested an investigation to see if all the information of these alleged debt accounts are accurate 15 U.S. Code 1681s2 - 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.

My rights have been violated and several consumer laws have been violated.

15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When I checked my credit report tonight, I was shocked to see incorrect accounts listed out of nowhere, with no clue as to why they appeared. Ive been monitoring my report regularly without any problems until now. I tried refreshing my browser to rule out a glitch, but nothing changedthe errors persisted. Due to this, Im urgently requesting a thorough check of the documents Ive submitted, so I can finally have peace of mind about this.
Consumer complaint received 2024-02-08
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MO)

XX/XX/XXXX, I transferred the debt balance from XXXX Credit card to XXXX XXXX Credit Card. XXXX XXXX paid the debt off for XXXX and put it on my XXXX XXXX Credit Card. XXXX will not remove balance from my credit card or credit report.
Consumer complaint received 2023-11-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (AZ)

Sunrise Collections flagged my credit for am XXXX XXXX XXXX account I never had. The account was opened to an individual with my same name in XXXX Kentucky. I have never been to Kentucky and have lived in AZ  since XXXX. When I contacted them because of an XXXX Alert, I was surprised to hear about this account. My phone service has been with XXXX XXXX XXXX. I have never had a mobile account with XXXX XXXX XXXX. They confirmed the XXXX XXXX XXXX  reocrds didnt match my personal information ( Including address, Birth Date and Phone number of record ) and told me to file a dispute because they would remove the flag even though the little research they did proved the account was not mine. I filed a dispute though XXXX who did nothing to correct the issue. Not sure what other options I have aside from taking sunrise to court and litigating the flag. I did notify the AZ AG office of this fraud, but have not seen any action as of yet.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

In XXXX I requested a copy of my LexisNexis report. When I received it, I noticed incorrect information and a telematics section. The telematics data on my report seemed to specifically track accelerations and breaks. This information was placed on my LexisNexis report creditors and insurance companies to access. There were also false reports of at fault accidents. 

I called Lexis Nexxus multiple times but could not reach anyone. I followed the instructions of their automated system and sent an email with my dispute, questions and concerns to XXXXXXXX The first communication was sent on XX/XX/XXXX to which I received no response. I sent a follow up email on XX/XX/XXXX. Again, no response. Another follow up email was sent on XX/XX/XXXX to which I received no response. 

Each time I called I was again directed to send an email via their automated system. 
When I finally reached someone in XXXX, she would not acknowledge my dispute, listen to my concerns or answer any questions. Her only response was " have you requested a new report ''? 

I need to know why this information was accessed without authorization, why it was on my credit report and have all disputes reported reviewed and resolved. I also need to know which companies accessed my information. 

I believe that I'm paying too much for insurance and that I've been denied coverage as a result of the information on my report. LexisNexis should be required to respond to my dispute and inquiry due to the impact their poor reporting.