davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OLIPHANT FINANCIAL, LLC (IL)

I was sued for {$13000.00} on XX/XX/year> by XXXX XXXX XXXX, who was handling the files for Oliphant USA, a debt collector who I am assuming purchased the debt that I owed to XXXX XXXX ( XXXX ). XXXX XXXX XXXX was represented by XXXX XXXX XXXX law firm for the case. I settled the account with XXXX XXXX XXXX on XX/XX/year>, and the case was dismissed with prejudice by the Circuit Court of XXXX County on XX/XX/year>. 

To make sure my credit reports were updated, I have called XXXX XXXX XXXX, XXXX XXXX XXXX and Oliphant USA, who all told me the account was settled and would be updated on my credit reports. 

The Oliphant USA collection account was only listed with XXXX, and was not updated correctly, so I submitted a dispute on XX/XX/year> with XXXX. I received the results of the dispute on XX/XX/year> and the collection account was deleted entirely. 

I have myXXXX and monitor my credit reports and receive alerts. After the collection account was deleted from XXXX, it was added to XXXX with a balance stating Unpaid, which dropped my XXXX XXXX. I submitted a dispute with XXXX on XX/XX/year>. 

Oliphant USA is erroneously reporting a balance owed on an account I have already settled.
Consumer complaint received 2024-09-18
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: Atlanticus Services Corporation (CO)

They told your company the refund was issued on XX/XX/24 but reapplied it to the account on XX/XX/24 and then have a transaction of credit balance debit.
Consumer complaint received 2024-09-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IA)

On XX/XX/XXXX I received a payment from XXXX for {$93.00} to my venmo account. I attempted to transfer the funds to one of my debit cards on file that I have used previously. It continued to give me error messages. I added my banking information and my daughter 's and tried to initiate the transfer. It said it transferred and I then immediately got an email that my account was suspended. I never received my transfer. 

I have uploaded the requested information repeatedly. I tried to speak to a customer service representative, unsuccessfully. I have received no information or response from Venmo. My account is frozen. In researching this appears to be a very common issue I desperately need this money so I can pay for my health needs! I want my money sent to me so I can then close my Venmo account. They are XXXX!!!
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

JPMCB CARD SERVICES XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

Company has reported acct late and it is affecting my credit. I was never late because there was no payment ever due for the accts. I have contacted company to delete the late payment reports but they refuse to. The transactions are inaccurate because I was never late on the accts. 

XX/XX/year>, XX/XX/year> XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I've been a member of citizens Bank from the beginning of the year XX/XX/year>. I started an account with a {$300.00} bonus for opening up an account. Unfortunately the bank said that I was not eligible for the rewards and kept the money. My account XXXX XXXX XXXX  ever since then I've been missing money out of my account and nobody 's taking the blame for it. I deposit {$500.00} into account from my extra anchor anchor check and plus I deposit my energy check of {$500.00} from XXXX XXXX XXXX XXXX Checking my account the {$500.00} is not showing on my account neither one big reverse all the charges. And built me {$170.00} overdraft. If you check my account you'll see that is plenty of overdrafts and plenty of mishaps on my account that makes me think that they have confiscated my money. Talk to the branch manager and some of the employees regarding the incident and my money being refunded to me and had no luck. They denied that this is the case and that they do not owe me any money. But they owe me about {$370.00} that came out of my account that that is not counted for that you can not see but all my money is gone and they trying to put me in to collections saying that I owe them XXXX overdraft balance on my account. The account is closed still I want my refund for my balance on my account which is XXXX that belongs to me that they did not pay me for and that's not including the bonus. If someone can help me with the situation to figure out what they did to upset my account and discharge me from my account I will truly appreciate it if I get some results and get some of my money back Yours truly XXXX XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

This company violated my rights as a consumer. They were reporting to the credit bureau late payments during Covid under the Covid cares act Discover Was Reporting to the Credit bureau as late payments instead of current, when I fell behind on my payments due to XXXX, causing me to lose my credit card, I called and contacted them regarding this, and I was forced to make payment arrangements even though I did not have the money to make the payments after they continuous begin to hit my credit multiple times they violated the law, which states The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. They did not comply with this during my financial hardship, causing me to lose my credit card that I had been making payments on time until XX/XX/year> I fell on hard times and was unable to make those payments, and I called them stressing to them that I was unable to make the payments due to Covid and still end up losing my credit card
Consumer complaint received 2024-09-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (CO)

i had a hard time so i borrowed a personal loan from this company ( MaxLend ). i borrowed {$970.00} in XX/XX/2024 and i agreed with the loan terms but later i realized the annual interest rate they are charging is against the federal and state law. They are charging me APR 703.76 % and i have been paying them every week ( Wednesday ) from XXXX to till now which comes to the amount of {$130.00}. the loan term will end in XXXX till then i have to pay them every week {$130.00}. This seems to be scam and fraud to me. i want a big amount of financial compensation from this company because i have faced mental burden to pay off every week them a huge amount of fees and interest rate.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (CA)

The late payment in question appears on my recent credit report and does not reflect the accurate payment history. I request that you review the account records and correct the errors. In accordance with Section XXXX XXXX XXXX of the Fair Credit Billing Act, I am entitled to protection against inaccurate credit reporting and prompt resolution of such disputes. 
Section XXXX XXXX XXXX states : " A creditor may not report a late payment on an account, if the consumer has made all payments due to the creditor on the account within 30 days of the due date. '' Based on this provision, since my payment was made within the XXXX period, I believe that the late payment report is incorrect and should be adjusted accordingly. Please provide written confirmation of the correction once it has been made.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

My credit report indicated that my personal information was exposed in the breach. Reference to 15Usc 681 under the FCRA to support. Fair Credit Reporting ACT 15 USC 1681 The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 5 USC 1681. These companies have violated my rights. 
Account name : # XXXX revolving account # XXXXXXXX XXXX installment account # XXXXXXXX XXXX Installment account # XXXX XXXX  Unsecured Loan account # XXXX, XXXXXXXX XXXX XXXX revolving account # XXXX I looked at my all three bureau credit report on Date : XXXX XXXX And noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information found the inaccurate or unverifiable information disputed by a consumer, an item of the information is found to be inaccurate.
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: CREDIT ACCEPTANCE CORPORATION (MI)

In accordance with the fair credit Reporting act XXXX  Account # XXXX has violated my rights. 

15 USC 1681 section 502 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company, or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNTS : XXXX XXXX XXXX and XXXX XXXX  XXXX.
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (GA)

I do not have a XXXX account an it shows I do. Also had to report to XXXX banks of online compromise with cash app. I think its someone I know that doing it but not sure cash app is not refunding or compromising the money taken from my bank account to cash app an the banks said I need to give time bit its been XXXX weeks an now on my report o see XXXX an I don't have XXXX account never have Also XXXX & XXXX account thru online set up... I have no accoint an my identity his been used. 
Cash app has business account which I did not do as well which is being used to money filter an I have requested multiple time to no avail. My bank show money from my account to cash app an I have never taken money from either citizen bank nor my regions to apply toward cash app. I only received money from XXXX people an never sent money but XXXX time to XXXX person and the money is not in my account nor on the cash card. I so have files that prove this an the actions I've begged them to do however I can't upload the file for some safety feature however if need I can mail them. cash app should close any an all cards exsept $ XXXX an all business under my ss XXXX an investigate for arresting who is stealing an laundry money thru cash app using someone else 's identity
Consumer complaint received 2024-09-14
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MA)

I financed a XXXX XXXXXXXX XXXX with XXXX-interest for a year and received a XXXX credit card as the financing company. I didn't want a credit card, but that's apparently how these things are done. I never purchased anything else with the card. I paid monthly on the card, usually double the amount that would be necessary to pay the card off in one year. I always paid on time, usually early. When I logged in to my account on XX/XX/year>, I saw that I was being charged a {$30.00} late fee. I never once paid late. Also, I am unsure why I even had a minimum payment due as I was so far ahead of payments, but that's another issue. I spoke through the chat feature to a customer service rep and they said that the statements are auto-generated and that I had paid my bill too early, before the statement had been generated. I let them know that was unacceptable, and they removed the charge. But they warned me not to pay earlier than the statement generation. That is not how things should work, as people tend to pay their bills when they have the money to do so, early or not. And even though this has been resolved, I believe that this should be looked into. I had the time and ability to deal with this charge, but many don't, and I believe this is why the company uses this practice. Many people with no time or even people who don't wish to rock the boat would perhaps just pay this nonsense late fee. If this practice is not illegal, it certainly should be. That's what the CFPB is for, I'm assuming. Thank you for your time.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (GA)

On XXXX XXXX I file a dispute with both XXXX and XXXX credit agency to have Santander Consumer USA removed from my credit reports. I no longer owe a debt to this lender, and the balance is showing as a {$0.00} balance and closed account on both reports. I reached out to Santander Consumer USA and requested for them to report to be removed from my account but was instructed to contact the credit agency to have it removed. I contacted XXXX and they stated that the account is already showing {$0.00} balance. However I would like to get this account removed completely from my credit reports both XXXX and XXXX.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute and request arbitration regarding inaccurate credit reporting on my consumer credit report. These inaccuracies are in direct violation of 15 USC 1681 ( Fair Credit Reporting Act ) due to the misrepresentation of credit limits and the subsequent non-compliance by your bureau in handling this matter. 

The following creditors and account numbers have been inaccurately reported : 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 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 attached the credit report with highlighted inaccurate misrepresentation of credit limits
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (PA)

On or about XX/XX/XXXX, I noticed a series of unauthorized transactions totaling over {$5500.00} from a merchant with whom I had previously closed my account due to questionable practices. These transactions posted to my account between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I initiated a dispute through the app, but due to its limitations, I was unable to report all the transactions. I subsequently contacted customer service, and the representative assured me that the remaining transactions would be processed. On XX/XX/XXXX, I received a provisional credit of {$1300.00}. 

I have since submitted multiple pieces of correspondence from the merchant, confirming that my account was closed as of XX/XX/XXXX. The merchant has also affirmed that no transactions occurred on my account after that date, thus verifying that the transactions in question are indeed fraudulent. I have provided Truist with all necessary documentation, including proof of the account closure and the merchant 's confirmation. 

On Friday, XX/XX/XXXX, I called to request a status update. I was informed that the representative had failed to attach the remaining transactions to my initial fraud claim. A supervisor reviewed each transaction and submitted a new claim. Today, XX/XX/XXXX, despite assurances that the claims were approved, I was informed that both claims were denied. 

The provisional credit is scheduled to be reversed on XX/XX/XXXX. If this occurs, I will be retaining legal counsel, as Truist 's actions are in violation of my rights under the EFTA. Under the EFTA, consumers are entitled to dispute unauthorized electronic transfers and may seek damages for violations, including statutory damages under XXXX XXXX XXXX XXXX. 

Truist has consistently declined to provide any information supporting their denial, despite my repeated requests. 

I am deeply concerned that despite providing comprehensive evidence, Truist has disregarded the facts. I expect immediate resolution of this matter to avoid further escalation.
Consumer complaint received 2024-09-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/year> a fake process server came to my home. My husband answered the door. The process server asked if I lived there and then gave my husband the fake summons and left. 

I noticed the summons was fake because there is no index number from a court on it, and it is only stamped received with a store-bought looking stamp. At the bottom of the summons, it says this communication is from a debt collector, and this attempt to collect a debt.