davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (FL)

I called to Ally bank but I got stuck with a foreign person that didnt understand what I was say about I wanted to extend my payment XXXX more day. They didnt want to extend it XXXX more day. So I asked for a XXXX to talk to them. They approved the XXXX day extension but they still hit me with the late payment when I already communicated with the person.
Consumer complaint received 2023-01-29
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. (HI)

In accordance with the fair Credit Reporting Act XXXX  ( XXXX XXXX XXXX ) Has Violated My Rights. 
15 U. S. C 1681 Section 602 A. States I have the right to privacy.

15 U. S. C. 1681 Section 604 A Section 2. It States A Consumer Reporting Agency can not Furnish a account without my written instructions.
Consumer complaint received 2022-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA) (TX)

RECEIVABLES XXXX XXXX KEEPS TRYING TO COLLECT ON A DEBT THAT HAS BEEN 100 % COVERED UNDER A PATIENT ASSISTANCE PROGRAM THROUGH THE XXXX XXXX XXXX PROGRAM IN XXXX, TEXAS. THEY WILL NOT WORK WITH ME TO VERIFY THE ORIGINAL CREDITOR OR ANY OF THE ORIGINAL DOCUMENTS I SIGNED STATING OWNERSHIP OF THIS DEBT. THIS DEBT NEEDS TO BE REMOVED. 

1 - {$700.00} and 2 - {$140.00}
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2022, I sent letters to the credit bureaus asking them to verify the inaccurate and false information on my credit report. After doing so, these negative items are still on my credit report and is impacting my finances very severely. It has been over 45 days and these items are still on my credit report. I feel very taken advantage of and I will file for litigation if I have to. Please resolve these issues with my credit report immediately.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

n accordance with Fair Credit Reporting 609, the list of account below has violated XXXX XXXX XXXX  ACCOUNT NUMBER # XXXX It's a charge-off but they reported it as a collection. 

XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX it's a collection but they reported it as a charge-off to. 

Also the credit bureau took more than 30 days to complete my investigation.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXXXXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX  Balance : {$2900.00}.
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NC)

I've recently applied for two discover credit cards and was denied. I recieved two separate adverse action letters dated XX/XX/2022 and XX/XX/2022. They have violated the equal credit oppotunity act as I've applied in good faith and discover has no lawful reason to deny me. they are governed under federal laws that protects my right as a consumer. these violations include : 1 ). 15 USC 1691 2 ). 15 USC 1642 3 ). 15 USC 1681m 4 ). 12 CFR 1002 Futhermore my social security card was used and I recieved no benefit ( Unauthorized use of credit card ). Due to this I've suffered hardship when applying for anything else due to the hard inquires on my consumer report from discover.
Consumer complaint received 2022-12-04
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: EQUIFAX, INC. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

+ 15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late fo 266 purpose.
Consumer complaint received 2022-12-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (NY)

XX/XX/2022 tried to withdrawal XXXX $ from Gemini XXXX. They halted withdrawals on that day and breached the contract I had with them by not providing my funds with in 5 business days. 

They have operated in deceitful marketing tactics and have stolen and ruined the lives of many. 

Gemini XXXX  Gemini XXXX  as their own product stating it was fully audited and backed by gemini highly regulated company
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

checking my credit profile ive noticed alot of invalid data that is hindering my credit profile. ive noticed alot of incorrect errors on my credit report. I am interested in disputing all incorrect data on my Equifax credit report.
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (TX)

After losing my father, business, and home, I am trying to put the pieces of my life back together. I fell behind on my XXXX account for XXXX, but I tried my best to keep the company informed and worked to find a satisfactory solution so that my account will remain in good standing. 
In XX/XX/XXXX agreed to a payment arrangement after speaking with a collection specialist. Unfortunately, XXXX was misleading and they did not clearly and fully disclose all information about the offer and terms. 

One key piece of information missing is that XXXX will report to the credit Bureau that you have not made any payments. This is extremely important because even if you are making payments, your credit score will continue to lower month after month. XXXX representatives try to associate that with the account being in good standing and refer you to those terms, but this is completely different. 

I paid XXXX, XXXX, and XXXX ( which I later filed for chargeback ) and XXXX continued to report I made {$0.00} payments which showed my account in extreme default at the credit bureau. 

My billing statements were not accurate and up to date to reflect the new agreement that they presented. I continued to receive text messages and communication about missing my payments, Customer care specialists insisted they were obligated to their system information and no updates were made so the harassment continued. 

XXXX did not provide advanced notice of changes to my account. This was extremely hurtful because they changed my account credit limit from {$7000.00} to {$700.00} and reported that change to the credit Bureau to include a balance of {$7000.00}. My credit score plummeted because of this change. I was in the final stage of getting a loan that was saving my home, but upon final submission, XXXX XXXX declined me because of XXXX misinformation. I called XXXX literally crying and begging them to correct this error, but it was not done in a timely manner and I lost my home. 

XXXX send me communication anywhere between XXXX XXXX and XXXX XXXX. I can't sleep, and I can't get this company out of my mind, I am angry, disappointed, and feel cheated by this company. In XXXX I spent over {$27000.00} with its card and paid every cent back. XXXX has been the worst year of my life, I have nothing to my name and I am fed up with XXXX constantly harassing me, lying to me cheating me out when I have done everything in my power to pay them back. I filed for chargebacks on the payments I made to them after I discovered they continued to report no payments were made by my side. I will not pay this company a cent unless they are transparent and clear and enforce the rules that protect me as a consumer.
Consumer complaint received 2022-12-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (NV)

i was served papers saying i was being sued, i checked my credit report found no debit that was being put towards me using the name XXXX my name is XXXX, i have responded. In the sopena its states they have tried to contact sent letter, this is a false statement i have no knowledge of this debit again its not on my credit report,
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted several requests online and in writing- some even certified mail to all three major bureaus to please stop reporting erroneous items on my credit report. These errors include : - reports displaying incorrect versions of my name- please stop reporting addresses where I have never resided. I have provided copies of my government issued I.D . in attachment to the request with no success. 
- XX/XX/2022 I requested debt collectors reporting a balance to provide evidence in writing. ( by law they have to remove the account if they can not provide proof- and it has not been provided yet the account ( s ) still report negatively. ) XX/XX/ I requested validation from another debt collector, and it is now XX/XX/2022 and it has not been validated. However, the account remains and reports negatively against - aiding me in getting declined for housing. 
XXXX I requested a credit card company to validate a debt. They have not and are also still reporting said debt. 

All of these items are having substantial derogatory impact on my credit score yet no one will act according to the Fair Credit Reporting Act.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MD)

I received a {$1000.00} limit from Synchrony XXXX XX/XX/XXXX XXXX interest for 24 months, 8 months later XX/XX/XXXX without any warning my credit limit was reduced to {$750.00} and closed ; which impacted my XXXX XXXX by more than XXXX points. According to the promotion I had 2 years to pay without interest, so I made minimum payments XXXX days early never later, no payment arrangements, or technical payment issues. Therefore, my account should never have been reduced and closed without warning. The company maliciously sabotaged my account with prejudice based on gerrymandering. I made the minimum payment amount offered, and never gave any indication, that I would not comply with the XXXX interest XXXX year promotion. On XX/XX/XXXX I paid the balance in full, and the promotion doesnt expire until XX/XX/XXXX.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC (MA)

On XX/XX/2021 XXXX XXXX XXXX via XXXX XXXX XXXX has accessed my credit report. I have never contacted or seek to get any kind of financial product from the company. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.
Consumer complaint received 2022-12-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (OH)

XX/XX/XXXX - Received email from XXXX support stating my account would be closed, and no information will be provided as to why. Also stated my account had a balance and would need withdrawed in XXXX hours or I would lose it. 

XX/XX/XXXX - Added a withdraw address for my account balance and processed a withdraw XX/XX/XXXX - Withdraw was canceled by XXXX and not processed. Account was closed and so was access to login or any other services. 

Account was later repopened after multiple emails to support, they stated to transfer my money to XXXX  to withdraw. Upon doing such I had to incur multiple fees that institution additionally profited from. This was also counterintuitive to the institutions statements my account was suspended and no longer usable, however they were scamming me in to 'utilizing ' there exchange and paying customer fees as a 'user '. 

The fees and various other extortions had then brought my balance below the company 's XXXX  withdraw minimum, which should also be noted carries excessive and additional fees to utilize, as a customer. Which I was made well known was no longer permitted to be, for completely no reason at all. 

This company has again been toying with me for weeks, and subsequently permanently closed my account again and stolen all of my money.
Consumer complaint received 2022-12-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Moore Law Group (NV)

XXXX XXXXXX/XX/XXXX I contacted XXXX XXXX indicating I was disputing accounting under the XXXX  and to date I have not received any information in regards to that. XXXX XX/XX/XXXX I sent notification again to date have not received a reply. On the XXXX  of XX/XX/XXXX I received a Summons from the law firm of THE MOORE LAW GROUP indicating they are representing XXXX XXXX and suing me. I believe XXXX XXXX has not followed dispute procedures. The MOORE LAW GROUP has not identified to me previously either they were trying to collect a debit, is this company a debit collector?
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've notice a account/collections on my consumer report that doesn't belong to me. 
ACCT ... XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  XXXX RXXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX, does belong to me. Could you please remove these FRAUDULENT ACCOUNTS from my consumer report. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THESE ACCOUNTS HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. INSTRUCTIONS THAT I COULD NOT HAVE GIVEN, BECAUSE NONE OF THESE ACCOUNTS BELONG TO ME.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am not liable for this debt with XXXX secured credit card. They did not provide me with the original application like I asked. 

Also, my entire {$5000.00} deposit was not returned within 10 weeks once my account was closed. I secured the credit by providing XXXX a {$5000.00} deposit. XXXX has not only refused to return my deposit but is also reporting a collection account in my personal credit profiles with Experian, XXXX XXXX XXXX.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In XXXX of XXXX originally applied for and received a loan of XXXX dollars from XXXX XXXX ( XXXX XXXX. No. : XXXX XXXXXXXX XXXX XXXX  ) a company whose loan products seem to now be owned by XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). On XX/XX/XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) assumed servicing of the loan. I have since paid the balance down to XXXX dollars ( as of XX/XX/XXXX ). However, on my Experian credit report it still shows a balance of XXXX dollars dating from XX/XX/XXXX under lender name of " XXXX ''. 

A few days ago, I contacted Experian repeatedly and even filed a dispute resolution request online with them. Experian then rejected the request and upheld the false balance entry, citing the fact that the lender maintained the balance is correct. ( I do not know if they spoke tXXXX XXXX XXXX XXXX XXXX XXXX ) to make this determination. I then contacted XXXX XXXX via phone, who refused to help in any way, giving me the phone number for XXXX. I called XXXX  and they said it is XXXX 's responsibility to report the loan correctly, not theirs and that they ( XXXX XXXX had been reporting for me monthly ( a claim that is false as there is, as of XX/XX/XXXX XXXX PST no entry for XXXX on my Experian credit report ). In sum, XXXX puts the responsibility on XXXX and vice versa. Experian defers to the " lender '' - I do not even know who they spoke to or who the " lender '' is at this point. In any case, my XXXX XXXX is unfairly and materially adversely affected by the false balance appearing.