davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I am filing this complaint against LexisNexis, XXXX, and XXXX for inaccurately reporting a bankruptcy on my credit file. Specifically, these agencies have listed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as the data furnisher of the bankruptcy information. However, I have received an official letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirming that they do not furnish any information to credit reporting agencies or credit monitoring services. They further stated that they do not verify or validate any bankruptcy-related information for credit reporting purposes. 

Despite providing this information and disputing the inaccuracy, LexisNexis, XXXX, and XXXX have failed to remove the erroneous bankruptcy from my records. This inaccurate listing has negatively impacted my creditworthiness, leading to a lower credit score and potential denial of credit. It is imperative that this incorrect information be corrected promptly.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (NE)

I am writing to formally dispute a debt claim made by MIDLAND CREDIT MANAGEMENT regarding an account with the original creditor XXXX XXXX, in the amount of {$270.00}. I believe this debt claim is erroneous and have not been provided with proof of the alleged debt. Under the doctrine of estoppel by silence, as established in Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I am presuming that no proof of the alleged debt exists, and therefore, the debt itself does not exist. Despite my requests, MIDLAND CREDIT MANAGEMENT has not supplied sufficient documentation or evidence to substantiate the debt. As such, I am requesting that this matter be investigated and that appropriate actions be taken to ensure that my rights are protected under the Fair Debt Collection Practices Act ( FDCPA ) Despite their claim, MIDLAND CREDIT MANAGEMENT has not fulfilled the requirements to substantiate the alleged debt. Specifically : XXXX. Lack of Original Contract or Agreement : MIDLAND CREDIT MANAGEMENT has not provided a copy of the original contract or agreement that I allegedly signed, which would demonstrate my legal obligation to repay the debt. XXXX. Insufficient Account History : The documentation provided does not include a detailed account history that shows the transactions, charges, fees, and payments applied to the alleged debt. A full itemization is necessary to verify the validity and amount of the debt. XXXX. Failure to Provide Proof of Assignment : If MIDLAND CREDIT MANAGEMENT is not the original creditor, they have not provided evidence of a legitimate assignment or transfer of the debt that establishes their legal right to collect it. This includes any documentation that demonstrates a proper chain of title from the original creditor to MIDLAND CREDIT MANAGEMENT.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (IL)

I am filing this complaint against XXXX, SageStream, and XXXX for inaccurately reporting a bankruptcy on my credit file. Specifically, these agencies have listed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as the data furnisher of the bankruptcy information. However, I have received an official letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, confirming that they do not furnish any information to credit reporting agencies or credit monitoring services. They further stated that they do not verify or validate any bankruptcy-related information for credit reporting purposes. 

Despite providing this information and disputing the inaccuracy, XXXX, SageStream, and XXXX have failed to remove the erroneous bankruptcy from my records. This inaccurate listing has negatively impacted my creditworthiness, leading to a lower credit score and potential denial of credit. It is imperative that this incorrect information be corrected promptly.
Consumer complaint received 2024-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Paramount GR Holdings, LLC (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. 

GOODLEAP LLC XXXXXXXX
Consumer complaint received 2024-09-13
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: TD BANK US HOLDING COMPANY (GA)

Dear Target/TD Customer Service , I am writing to request the removal of a credit inquiry that appeared on my credit report from Target/TD dated XX/XX/year>. The inquiry is listed under TARGET/TD ( Retailer ) and was not authorized by me. 

I did not give permission for this inquiry and believe it to be inaccurate. This inquiry is adversely affecting my credit score, and I would like it to be removed from my credit report as soon as possible.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (OH)

I entered into a hardship payment arrangement as my account was past due because of my recovery time from a XXXX. It was a 12 month arrangement that was scheduled to bring my account current by lowering the interest rate and a set payment of XXXX per month. I paid the arrangement to completion. The call center reps agreed they saw notes confirming this. The account showed as past due even after I communicated with the company to correct and at my last request for review to correct the issue instead of correcting their mistake they retaliated by charging off my account.
Consumer complaint received 2024-09-13
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (MA)

On XX/XX/year> Direct Express via Comerica Bank blocked my previous verified email address following me updating my address for replacement benefit card. Direct express required me to provide a copy of my identification card via their fraud identification department email in order to unblock my account and permit me online access of which I required immediate access to. I complied with their unwarranted request providing them a copy of my Florida state ISSUED ID BOTH FRONT AND. BACK. DIRECT EXPRESS RESPONDED ON XX/XX/year> THAT MY ACCOUNT ACCESS REMAINED DENIED DUE TO ME SENDING A EXPIRED ID. MY IDENTIFICATION CARD WAS FACTUALLY VALID AND CLEARLY VERIFIABLE IN THE EMAIL.ORIGINALLY SENT. I AGAIN RESENT MY IDENTIFICATION CARD WITH A COPY OF MY SOCIAL SECURITY CARD FRONT AND BACK. SEVERAL HOURS LATER, DIRECT EXPRESS RESPONED THEY WERE DENYING MY SECOND VERIFIABLE IDENTIFICATION CARD AND SOCIAL SECURITY CARD AND CONTINUED TO BLOCK ME FROM MY ACCOUNT ACCESS STATING MY IDENTIFICATION WAS EXPIRED.
Consumer complaint received 2024-09-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CMG MORTGAGE, INC (NY)

I applied for an all in one loan with CMG financial. The bank has placed 3 hard inquiries on my credit report without written approval authorization or knowledge. On XX/XX/year>. I havent received a response.
Consumer complaint received 2024-08-26
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. (LA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX : Account Number : XXXX BALANCE {$1500.00} Unauthorized inquiries XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-13
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 (NY)

I disputed a debt that isnt mine. i asked this company to validate the debt and send me all information they have so I can get to the bottom of this.. 

They claimed the debt was verified, which it wasnt because its not mine and sent me nothing. This isnt an accurate investigation. 


They then reaged the debt to pressure me which is illegal..they flagged my credit over 120 days late for the last 4 months resulting in a XXXX point declined on my Fico score because I disputed the debt.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

XXXX I put my money in a.ATM. and the machine closed.down in.the middle of my transaction for {$600.00} and they had me file a claim dispute and my claim was denied Chase Bank in XXXX XXXX XXXX XXXXXXXX I made a transaction for {$120.00} First the the {$600.00} so that is the date and time on the XXXX receipt
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (OK)

I was scammed out of {$3500.00} in stock I had in a Robinhood account I believe Robinhood security. I have been through the mill with Robinhood trying to figure this out what happened to the XXXX stock stocks I had in Robinhood that disappeared when I was attempting to get them to log me in because I wasnt able to, as someone attempted to get me logged in it when I noticed XXXX of the XXXX stocks were not listed then I thought well maybe you know theyll be back when again he asked me to login to see if I could login. I noticed all XXXX were missing, and an and a guy named XXXX started working on it, but he requested some strange things. He wanted me to buy for XXXX gift cards. Send him the images of the receipts of the cars themselves front and back and then he would deposit XXXX he said into my account to pay for these because I told him I didnt have enough, but he never did, confirm there was no deposits to my account. The only resolution Is for my XXXX approximately Is returned to my Robinhood account because I feel I was scammed by Robinhood
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disappointed. I rechecked my credit report again and again and I just feel even worse. I am starting to consider XXXX XXXX for the XXXX XXXXXXXX this is causing me. I am rejected by multiple loan applications because of the inaccurate information being reported in my credit file.
Consumer complaint received 2024-09-12
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (MN)

Back on the evening of XX/XX/XXXX, I noticed fraudulent activity on my debit card at the bank. On the morning of XX/XX/XXXX, I went to the bank and canceled my debit card hoping that was all I was going to have to endure. A week or so later I was getting notified by XXXX XXXX  that I had some accounts opened up in my name. I have contacted all the credit bureaus about this and a fraud alert was put on my accounts. I have disputed this account with XXXX already and they tell me I can't do it again. I have tried to get a hold of Comenity Bank several times but the line is ALWAYS busy. I did not open this account. I have received a bill for this account and apparently some XXXX equipment was purchased. I have never owned a XXXX of any sorts. I did also receive some emails stating when the equipment was shipped. The first item went to XXXXXXXX XXXX  and the second item was sent to my address which I never received. I have never lived anywhere but XXXX and I do not know anyone that lives in XXXXXXXX XXXX. The bill I have here says Web auth XXXX XXXX XXXX I have never been to XXXX  I'm not sure what else I have to do to make them understand this was NOT me.
Consumer complaint received 2024-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (IL)

In XXXX, Mohela decided to update their payment portal from the old mobile app and website that they had been using. In doing so, they closed down the older website/app and required borrowers to sign up for a new website/portal. However, the new portal does not show borrower loan history, only showing older loan payments. I was able to see my full payment history in the old portal but can not see it in the new one. Mohela has stated that they can not offer access to the old portal and also can not send this information ( which was previously available ) digitally. I have submitted a request for the information to Mohela to receive the information via mail on XX/XX/XXXX but it still has not arrived. This is unacceptable. Many borrowers rely on timely access to loan payment information to receive company matches and other benefits, which have deadlines. I work for the XXXX XXXX XXXX as a XXXX XXXX XXXX and will miss out on thousands of dollars of funds paid by my employer for serving at a hardship post because I can not see my payment history. I am unable to meet their deadline given the state of Mohela 's systems. I can not even confirm that Mohela applied my previous benefit from last year ( which I suspect they did not as my balance remains the same ) because I can not see my payment history. It is as if I just did not make payments without this documentation. Multiple other borrowers have reported this same problem. 

Mohela customer service agents redirect borrowers to FASFA. However, Mohela itself reports information to FASFA and has not updated FASFA with full payment history e.g my XXXX payments are still not visible in FASFA. This is unacceptable. We uphold our part of the bargain yet Mohela and the Dept of Education do not. Our only wish is to fulfill our financial obligations.
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: LEXISNEXIS (DE)

In accordance with Fair Credit Report Act. The list accounts below has violate my federally protected consumer rights to privacy and confidentially under 15 USC 1681XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX has violate my rights 15USC 1681 section 602 A states I have the right to privacy 15 USC 1681 604 states a consumer reporting agency can not furnish an account without written instructions 15 USC 1681c ( a ) ( 5 ) section : No consumer reporting agency may make any consumer reporting containing any of the following items of information any adverse item of information other than records of convictions and crimes which antedates the report by 7years 15 USC 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that its is inaccurate
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synovus Bank (MS)

XXXX XXXX sent XXXX closed account .15 USC 1692 c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Upgrade, Inc. (MA)

My Upgrade checking account has a Cash Back debit card associated with it. The card rewards 1 % cash back on all purchases with no limit. Terms can be found here XXXX XXXX XXXX  My checking account was closed on XX/XX/year>. Upgrade did not pay out the outstanding cash back rewards for transactions that were made prior to this date. My debit transactions from XX/XX/year> to XX/XX/year> amounted to {$35000.00}. I should be awarded {$350.00} in cash back but was not. 

I have attached the statement for XX/XX/year> as well as a print out of the Upgrade XXXX showing the 1 % cash back being awarded for the transactions but not paid out
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Requested validation of the debt from the original creditor XXXX XXXX XXXX to which now PORTFOLIO RECOVERY ASSOCIATES the debt buyer have been reporting the open account open and active since the purchase to which XXXX  XXXXXXXX XXXX have charged off and closed the account prior selling it to PORTFOLIO RECOVERY ASSOCIATES
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (LA)

During the month of XX/XX/year>, I attempted to go online to pull my credit report. With all 3 credit bureaus, I was informed that I was not providing enough information to verify my identity. This made me question, if there had been any identity theft issues with my credit. As a result, I ordered all three of my credit reports via mail, to submit additional information to verify my identity. Upon receipt of my credit report, I noticed accounts that were not my accounts. I never opened these accounts or gave my permission to have these accounts opened. I also noted inaccuracies with the spelling of my name and previous addresses. 

PLEASE REFERENCE THE FTC IDENTITY THEFT REPORT ATTACHED dated XX/XX/year>.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MD)

On XX/XX/year>, I made a payment online with citi.com for my mastercard. It was an electronic transfer payment of {$500.00} directly debited from my personal checking account ( XXXX XXXX ). After making the payment, I received a notice from citi that my payment successfully was processed. I also noticed the deduction of {$500.00} from my personal checking account. However, the next day I tried using my citi card but it was declined. I contacted citi on XX/XX/year> and spoke to the manager ( XXXX ) who said my payment will actually be applied on XX/XX/year> and that's when the payment will be cleared. She also said that this is normal practice by all banks that when a customer makes an online, immediate, wire transfer payment that it will take 7 days to clear. Is this actually true and consistent with all credit card companies? Why didn't citi notify me that my payment will only be applied on XX/XX/year>. This is poor customer service, and these policies need to be clearly disclosed to consumers.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FinCo Services Inc DBA Current (TX)

Was notified via email on XX/XX/year> a credit card account was opened using my name and my secondary email address. The bank name is current bank. On XXXX XXXX the credit card appeared on my credit report. Ive never heard of this company before and ive never done business with them and never opened up any accounts with them.
Consumer complaint received 2024-09-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (CA)

A new debt company asked me again for the sum for the claim I submitted on XX/XX/year> Number XXXX Post the complaint I brought to AN XXXX XXXX XXXX  store the proof that I returned the equipment. I just got off the phone from XXXX XXXX XXXX - billing department employee 's name is XXXX - that assured me that I do not owe any money - that True Accord started asking me- to them.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (VI)

I deposited a check on XX/XX/year> for {$75000.00} in in person with Drivers License at a Citi Bank branch in XXXX Florida. my account has been locked up since then and no access to my funds that were in the account prior to deposit and deposited funds. the check has been verified by the issuer a dozen times and by the Issuing Bank ( XXXX XXXX ) multiple times, the account is still locked up. We are going on XXXX weeks of this with no answers.