davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (FL)

Around the first week of XX/XX/2023 I got a credit card in the mail that I didnt apply for. It read that if I dont activate then I wont be billed. I tossed it in the trash, never activated and never applied for it. Fast forward to today ( XX/XX/2023 ) I get a bill in the mail for a card I never applied for. I call the company up and told them what had happened. They basically said that Im going to incur late fees and marks on my credit from them until they do an investigation. Like come on! I never applied for it and it has never been used but your sending me a bill. This is absolutely ridiculous. 

The card is Indigo and the company is called Genesis FS Card Services
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing XXXX XXXX XXXX XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-09-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC (GA)

My email was hacked, and all my information was accessed, including bank accounts and attempts to open new loans. My banks closed my accounts without any warning or notification. They didnt inform me to stop by to open a new account ; instead, they simply stated that my accounts were being closed and that I could no longer bank with them. How did the bank make this decision so quickly without verifying anything or providing any proof, video, or evidence? 

Additionally, how did the bank allow someone to deposit checks into my account at a teller without verifying my identity or contacting me? This happened XXXX times, which led to all my accounts being closed. I need these incidents removed from my Early Warning bank history, as I'm trying to open a new bank account to buy a house. Thank you.
Consumer complaint received 2024-09-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc (WA)

On Thursday XX/XX/2024 I was solicited via XXXX XXXX to play an online casino game. After responding and getting instructions on play, I paid for {$100.00} worth of credit using my Chime account. The person immediately before granting me access offered a more appealing package for another {$100.00} dollars, which I also paid with the Chime account. I then went through a grueling process of attempting to get access to what was promised, to no avail. I have screen shots of the entire process. I never received the promised goods or services. And the person later tried to get me to pay even more and he could fix it. 

I reported the incident and account to XXXX and have heard absolutely nothing from them. I reported the fraud to Chime, and they refused to do anything. When I asked to talk to a supervisor, they refuse. The Chime agent was very disrespectful and I am hoping they have recordings of our conversation. 

XXXX, thank goodness, preserves the entire incident of which I have copies.
Consumer complaint received 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (TX)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMERICAN XXXX XXXXXXXX
Consumer complaint received 2023-09-19
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: BARCLAYS BANK DELAWARE (OR)

-On XX/XX/23 I generated an online XXXX account to purchase an item that I intended to pick up in XXXX XXXX in XXXX Wa XXXX I live in XXXX, Oregon. That XXXX is XXXX mins down XXXX XXXX from me. I paid using a Barclays credit card.-It was the only online order I placed. 

XXXX XX/XX/23 I received multiple emails from XXXX XXXX, advising the items I just ordered were ready for pick up in a XXXX XXXX FLORIDA XXXX I immediately called the XXXX number for XXXX to report the fraud. They locked my XXXX account. I told them the items had not yet been picked up ( That's what the emails were telling me, I rescued quite a few that day ) The XXXX associate advised not to worry, they would handle it. 

-As soon as I got off the phone I called my Barclays card. I reported the fraudulent transaction. They canceled my card. 

XXXX ( A little over a month later ) I received a letter from Barclays saying they had investigated the incident and they it was not fraud as XXXX provided evidence that the items were picked up. ( Not something I'm disputing, I just said it wasn't me and I never placed the order ) I rang Barclays and filed another complaint. They re-opened the investigation. 

XXXX I spent XXXX on the phone trying to contact anyone that would help me at XXXX. Three hours later I was able to speak to a lady who identified herself as XXXX. She listened to my entire complaint and advised she could see that I had called in and filed the report on the XXXX of XXXX, but could not see that anything was done about the complaint, or that it was even forwarded to the fraud department. She told me it would be forwarded to the fraud department and that someone would contact me. I asked her to email me some proof that I had spoken to her, since I had no proof of the original complaint. She sent me an email on the same day advising she received the complaint. I have the email. 

XXXX I received another letter from Barclays advising that the purchase was not fraud, as XXXX provided them with a document that the items were picked up and the purchase went through. I tried again to tell them I was/am in Oregon, and did not place the online order and that someone fraudulently charged my card and picked up the items IN FLORIDA even after I called XXXX immediately XXXX have them stop the pick-up. AND I called Barclays and immediately cancelled my card. Barclays representative said that unless I have proof that it was not me that made the order, they can not do anything. I am stumped. How can I provide that proof? It's as if they want me to find the perpetrator and drag them to their office and force them to confess to fraud.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

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 2024-09-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: U.S. BANCORP (MN)

I have requested several times to have the PMI removed from my loan. The rule, per US Bank is 20 % equity, which I have had since XXXX I'm still paying this even though the value of the home has maintained well over 20 % equity for years. I'm requesting assistance in enforcing their own rules in having this removed.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PayTomorrow, LLC (SC)

I paid off pay tomorrow and have made payment. I finally paid off the account. The balance is still showing wrong on credit report. The balance is still showing that I owe money on the portal. I was also told it would be removed from my credit when it is paid off.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (NC)

In accordance with the Fair Credit Reporting act. List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, JEFFERSON CAPITAL SYSTEM & has violated my rights. 
I looked at my XXXX credit report on XX/XX/2024 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 procedures 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates has violated FDCPA as outlined in XXXX XXXX XXXX XXXX XXXX, 836 F.3d 507 ( 5th Cir.2016 ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (IL)

On XX/XX/XXXX I received a XXXX XXXX for {$50.00}. After I went in on the XXXX XXXX  it was having problems that day so I waited until the money posted to my XXXX XXXX account which is linked to my NetSpend account. I immediately cashed out of the XXXX XXXX  for {$50.00} to go into my NetSpend account the transaction said it was completed but no money was in my NetSpend account for the {$50.00}. On the next day XX/XX/XXXX I called XXXXXXXX XXXX several times informing them that my bank NetSpend said they did not receive it yet on the documentation that XXXX XXXX emailed me it shows that {$50.00} should have went to my account debit card and then XXXX. I asked NetSpend why they could not pull up the transaction retrieval reference number for the {$50.00} that was supposed to be deposited into my account. I was informed by NetSpend that I need to contact XXXX XXXX  I have been on the phone all day with both of them they both were giving me the runaround one is saying call XXXX XXXX the other anc XXXX XXXX is saying call NetSpend. I am attaching the documentation where the money went to NetSpend I do not see why they can not pull up their transaction number and see if it matches going to my account with them.
Consumer complaint received 2023-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

I have tried to make payments to student loan servicer Aidvantage which payment being reversed because it can not find the account. I have triple checked the accounts used for payment and have attempted to pay the XXXX XXXX  loans on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2024-09-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (MD)

I have spoken with Flagship Credit on numerous occasions regarding their billing and their application of payments towards my loan. Their predatory methods are extremely distasteful. Ive been paying XXXX on a XXXX XXXX XXXX. The payoff currently is approximately {$34000.00} which is roughly more then when i even first purchased the vehicle. Ive been paying on the same vehicle since XXXX. The amount of late fees due to the company 1. ) not processing a due date change and 2. ) telling me the due date initially something different. Over 3 years of paying on a car and its no where near the value and also the unfair deceptive practices are despicable.
Consumer complaint received 2023-10-04
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. (DC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} DEPTEDXXXX XXXX XXXX XXXX XXXX {$170000.00}
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (WY)

I had an auto loan with Toyota mtr account # and they repossessed the vehicle while I was in hospice with no notice written or by phone that they where going to repossess the vehicle.i recently looked at my credit report on XX/XX/year> and noticed several inaccurate, inconsistent, incomplete information Toyota mtr is reporting to the XXXX XXXX and XXXX according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.toyota mtr is violating my federally protected rights under 15u.s.c1681.please investigate this account and delete it from XXXX XXXX and XXXX is severely damaging my credit and I can't obtain an auto loan because of there predatory lending practices.i did not give written instructions to the company to report this account to my credit file and it is violating my federally protected rights to privacy and confidentiality.delete immediately. 
.
Consumer complaint received 2023-09-05
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be removed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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
Consumer complaint received 2024-09-01
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc. (KY)

I tried getting a new cash app card and theyre not letting me get one and I dont know how to they took away the virtual card and wont let you use that. I dont know what to do.
Consumer complaint received 2024-10-31
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. (DE)

I am writing to request the immediate blocking and deletion of specific accounts and inquiries from my credit report. I am a victim of a data breach, which has compromised my personal information and exposed it to potential identity theft. As authorized by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the removal of the following entries from my credit file : Accounts : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$680.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$740.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$680.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$350.00} XXXX. XXXXXXXX XXXX  XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$360.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$260.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$3400.00} XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$90.00} Inquiry : XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX
Consumer complaint received 2023-09-29
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: EQUIFAX, INC. (FL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am writing to dispute several unauthorized hard inquiries on my credit report, as per my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. This section of the FCRA stipulates conditions under which consumer reporting agencies may furnish consumer reports, and I believe these hard inquiries were not conducted with my explicit permission. 

The following are the unauthorized inquiries appearing on my credit report : XXXX XXXX XXXX  ( Bank ) - Date : XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Finance ) - Date : XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX  ( Bank ) - Date : XX/XX/XXXX XXXX ( Bank ) - Date : XX/XX/XXXX XXXX XXXXXXXX ( Bank ) - Date : XX/XX/XXXX I did not provide consent or initiate requests with the aforementioned entities to access or inquire about my credit report. As per the FCRA 15 U.S.C. 1681b ( f ), it is illegal to obtain someones credit report unless the request is made with the consumer 's consent or under a valid purpose as outlined under the FCRA. I neither initiated nor provided such consent. 

Furthermore, I'd like to highlight 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation upon receipt of a dispute. I hereby request a thorough investigation into these inquiries. 

If these inquiries are verified as unauthorized, the FCRA mandates their immediate removal. Please ensure these entries are expunged from my credit report. 

Enclosed, please find copies of documents that validate my identity and address. I am formally requesting all proofs or permissible purposes these entities might claim to have had, if any, to perform these hard inquiries. 

I expect this issue to be resolved promptly. Non-compliance or any delay might compel me to take legal actions to ensure my rights, as provided by the FCRA, are fully upheld. 

Thank you for your immediate attention to this critical matter.
Consumer complaint received 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation (KY)

My ex wife got a card in my name with my information according to the card company they say its mine because we have the same address we havent had the same address in a year and a half they have a police report and refuse to remove the card the card company has since changed the phone number and address to mine from the one originally used to get the card
Consumer complaint received 2023-09-05
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: EQUIFAX, INC. (CA)

I was an authorized user on a XXXX credit card account, therefore the account doesn't belong to me. I requested that Equifax remove the account from my credit report by going through their online dispute process. I disputed the account on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Each time I've disputed the account, Equifax reports : " We have researched the credit account. The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. '' I've supplied numerous XXXX documents that state that the account does not belong to me. I'm highly disappointed that Equifax improperly investigated my dispute 3 times. This has caused me undue hardship. 

I've attached a document from XXXX reporting that I am no longer on the account and a document that was sent to the primary account holder.
Consumer complaint received 2024-09-01
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: LEXISNEXIS (TX)

XXXX is reporting a bankruptcy that they know can not be verified as accurate. LexisNexis the vendor that XXXX uses as already stated that they could not verify this information and have since deleted it from their database so how is XXXX verifying information that is not correct.