davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

1. I made a Marcus account on XX/XX/2024 with my personal information, including SSN.

2. I deposited money into the account right after I made a new account and I had no problems accessing my account.

3. Few weeks later, I tried to access my account but I couldn't access it without any explanation and they just told me to contact customer service.

4. I called their customer service more than 20 times to find out what's the problem but nobody every explained clearly and they kept saying I had an identification issue.

5. I I gave them all the information to prove my identity, but they did not allow me to access my account until the end.

6. On XX/XX/XXXX, after calling them about 30 times, they asked me to submit affidavit letter confirming identification and I went to notary office and did what they asked me to do.

7. It has been more than a month since I sent them affidavit letter and I still can't have access to my account and I recently found out they just closed my account without letting me know.

8. They are still holding my money illegally and I am really frustrated now and really need CFPB 's help to get my money back.
Consumer complaint received 2024-09-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (NC)

When I paid this debt, one of the terms was a pay- for-delete agreement and according to Fair Credit Reporting Act ( FCRA ) the agency is to remove this debt once balance is paid. I am requesting that you launch an investigation into the removal of my settled collection. In pursuant to 18 USC 1028A, I owe no debt to these companies, and they're violating my consumer right to privacy in pursuant to 15 USC 6802. They have the responsibility of reporting maximum accuracy to my credit report and according to 15 USC 1681 ( e ) B they are in violation. This company don't have my permission to use my information in pursuant to 15 USC 1681B.
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (NY)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (CO)

One day I sold some of my Bitcoin, while manic and delusional... I made a dispute of the activity due to being at the time delusional and out of sense. But they locked my account and I've lost access to XXXX in the account with Robinhood llc I've uploaded documents such as a live selfie, pictures of ID front and back and they even requested non relevant documents on my XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am not liable for this debt with XXXX XXXX I do not have a contract with PORTFOLIO RECOVERY ASSOCIATES. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I XXXX review to see if this is actually an account that belongs to. They did not provide me with the purchase agreement as I requested in complaint ID XXXX. This must be removed from my report since PRA failed to follow the law per the FCRA. Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX v. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You sent a letter trying to portray that you are validating a debt and in the same letter stated that you are not trying to collect on debt, when in fact you are. Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. I have no knowledge of an account with said company. Being that PRA has stated that this alleged debt was sold to them means that this debt was claimed on taxes, therefore PRA is trying to collect money from a debt TWICE. SENDING A BILL IS NOT VERIFYING A DEBT! I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the attorney generals office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is stated above. 

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
TODAY IS XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

This company has been re-aging a XXXX account on my report over and over each time its been deleted and unable to be validated, they put a new date of delinquency and new information and placed it right back on each bureau. They are seriously predators. They know they cant report past 7 years yet they re-age it every time its deleted to get around that. Its literally disgusting practices theyre engaging in and something needs to be done about this company.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (GA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (TX)

I had an introductory 0 % interest rate which ended in XXXX. I understood that it ended, but they were extremely unclear on how interest is charged, and I was misled to believe that I would be charged interest on my monthly payments, not a transaction each month for interest. I would have never got this card if I understood that they would charge me an actual interest transaction over taking the interest out of my monthly payments. I will never be able to pay off this card now as their minimum payments are less than what they are charging each month for interest. This is criminal what they've done to me, and I want this to be fixed where they only take interest off my monthly payments like every financial institution I've done business with in my life. I was conned by this credit card company that I though I could've trusted due to their affiliation with my bank XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FinCo Services Inc DBA Current (IL)

I told another company Current has been stealing from me. I sent myself a dollar to my bank account. There is no evidence now after I realized I should have recieved it. Not only that my account was negative XXXX XXXX XXXX XXXX dollars. My account can't be over negative XXXX XXXX dollars. They keep lying to me. Their response is that's not what I see or that's what is showing. After I told them that another company charged me for no reason. As those company 's keep doing. After I told them through chat and phone, They stole from me again.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: N.A.R., Inc. (AZ)

I am receiving phone calls threateaning to sue debt they are talking about took place in XXXX or XXXX which is over 6 years statute of limitations. Supposedly I owe a creditor I do not recognize and even if I did its way past timely since it has been passed around to different creditors. Asked via email for debt validation proof. They then sent me letter recently of a computer print out stating i supposedly owe the debt of estimated {$2400.00} but can not prove its mine. On the letter they stated they would no longer contact me. Its still on my credit report. I have uploaded picture of letter.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (SC)

I received a piece of mail from Citibank to get an additional credit card without any credit checks. I filled out the form to see if I was approved and then they sent me an email saying I was not. Immediately afterwards I received a credit alert from credit card saying CBNA just did a HARD INQUIRY. My credit score immediately dropped off XXXX negative points. 

On top of that, they had the audacity to deny me that credit card! 

I have an XXXX credit score. I dont owe anyone money. I make a lot of money and I feel like they may have discriminated against me due to my XXXX last name. What other possible reason would they deny me? Then hurt my credit? 
Then lie about no credit impact? 

It does not make sense!!! 


I am trying to build my credit score to XXXX. I have multiple credit cards already and would have never ever agreed to have ANYONE do a HARD INQUIRY because I know it hurts my credit score and it stays on my credit report for XXXX long years. 

I want citibank to immediately remove that unwanted hard inquiry and send me a formal letter apologizing for their false promises of No impact to credit score.
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2015-09-14
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Hiday & Ricke, P.A. (FL)

I had a credit card from XXXX that was charged off back in the year XXXX. The account was then later sold to a Florida entity named XXXX XXXX. Around from XXXX XXXX to XXXX XXXX I was on a duty XXXX. Upon my return a year later with no prior correspondence the collection company served my roommate. I showed up to court and made payment arrangements that were inflated with interests. While I was making payment, I called in and inquired about making a payment that consisted of a large sum to be distributed evenly across a number of months. The representative on the phone accepted the payment and they defaulted me the following month for non-payment. I was a student and not working, they placed a lien on my bank account. I had a lawyer submit a file to remove the lien and told them he would be representing me from that point forward. Since then, the attorney has n't received neither calls nor correspondence from XXXX XXXX XXXX XXXX, neither have I. On Monday XXXX XXXX, at about XXXX XXXX a sheriff showed up to my apartment with a court execution order to levy my property. He parked behind my car and forbade me to leave the premises without handing over my car keys unless I wrote him a check for {$4600.00}. I pleaded with them that this car is how I earn my income as a ride share driver, he called a town truck and impounded the car with a notice to resolve the matter in 45 days or the car would be sold. Since then I have filed a Notice to Defendant of Right Against Garnishment, Wages, Money, and Other Property. I contacted the collection agency and the person handling the case advised me to have my lawyer contact them. He has tried for the past three weeks and has n't successfully spoken to anyone except for a secretary who told him someone will return his call. It appears I have n't been giving any choice in this matter. I was under the impression they 'd want their money but instead they rather have me suffer and not earning an income. I do n't understand how this is justifiable. I 'm going 21 days without my car. It 's costing me {$32.00} per day on average to travel to a per Diem job where I 'm only earning {$85.00} before tax. My hands are tied at this point, I just want to resolve this issue. Thank you.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (MO)

This company TD BankXXXX has been reporting to the credit bureaus false and inaccurate information repeatively for over XXXX XXXX XXXX years violating my comsumer rights and causing me to get denied on Auto, Credit Cards and Homes damaging my credit which I have disputed for years that continue to tell the bureause its verified and accurate. 
Account info Account name TD BANK XXXX Account number XXXX I am requesting a cease and desist also remove negative until u show proof of all documents being reported correctly to the XXXX.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Experian
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Hello! I was referred to you by the XXXX XXXX XXXX XXXXXXXX and XXXX XXXX, who said that they were not " the correct service to handle my concerns. '' this was a report sent to XXXX, but I'll give this a shot : I was called about receiving a loan from XXXX XXXX. 

Website : XXXX XXXX XXXX ( the email in the contact info is unusable ) While there is a legitimate service called XXXX XXXX, which is now XXXX XXXX XXXX XXXX XXXX XXXX, I must've been contacted by the wrong service. 

I did not agree to approve the loan as I was still considering the choices, but during the " verification process '', large sums were deposited to my bank The agent has been calling me nonstop to return the deposits by going to the bank, taking out XXXX of bucks, getting gift cards, going to the ATM, transfer funds from XXXX Codes, etc. As a result, I went over my bank transaction limit and my XXXX account has been suspended. As of XX/XX/XXXX, my bank is frozen, placed in the negative after reversing the deposits, and my bank sent me mail regarding the deposits, confirming to be fictitious checks. I was also sent a text threat. I did contact FBI and the gift card services. 

So far, I have been unable to progress on my balance, but I did get a new account as I only receive funds from employment.
Consumer complaint received 2024-09-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (PA)

I am a victiim of fraud and illegal activity regarding my mortgage. The fraud includes my mother 's signature being forged on the mortgage and my father being coerced into signing under duress while in the hospital under heavy medication. The fraudulant and illegal activity have continued over 20 years with activities to include ; multiple foreclosue attemps, improper and illegal tranfers and Title, resulting in another foreclosure which is threatning my home at present. I believe my home has been illegally sold without my consent or permission, I believe my Title has been stolen from my family and I have included evidence and documentation to support my claim and I am yet discovering more documentation and evidence. I respecfully request that you look into this matter that I may save my home and be made whole. I am a Veteran with limited resources and I am proud to have served my Country and now I beg my Country 's service to me. Please contact me if you more documents are needed.

Respecfully, I remain. 
XXXX XXXX XXXX :. 
XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I received a credit alert of an collection reported. I contacted the reporting company Fair Collection Outsourcing. I spoke to a representative by the name of XXXX XXXX, on a recorded call. I informed him that I have no knowledge of this alleged debt. Along with stating I've never been notified by their company and that is clearly a violation. A debt collector must contact the consumer about an alleged debt before being eligible to submit information about the debt to a credit reporting agency. I immediately requested a validation of this debt. XXXX stated I would receive this letter through email with 24 hours. I never received the requested documentation and it's now reporting over a month.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, FL XXXX This is an unauthorized inquiry. I was previously a victim of identity theft, and I have not authorize this inquiry.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (FL)

Account XXXX : XXXX The business is reporting erroneous information to the major credit reporting repositories. From the attached, the business is reporting the following remark : " Affected by natural disaster ''. I have never reported to the business that I have been affected by a natural disaster. The only thing the business had to assist with was locating a missing check payment of {$2100.00} that was sent on XXXX XXXX, 2024. 

Therefore, upon receipt of this complaint, please remove this erroneous information from all major credit reporting repositories.