davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
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. (CA)

4 Hard inquiries were made on my Equifax credit account that are fraudulent. 
- 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 2024-07-26
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. (AZ)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (CA)

I have the checking with bank of the west, and I saw the unauthorized transaction be withdrawed at the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> amount of {$900.00}. I came to Bank of the west location at XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX and told them that it was not mine and this was unauthorized transaction. The bank refunded money for me but just a several days, they took it back and said this transaction is valid and the withdrawer they used the pin # the same as mine. I told them it was not mine and i still have my debit card in hand, but they still deduct {$900.00} in my checking account. I already have the police report but they do nothing so I would like to submit my case so you can help me to get my money back. 
I have the police report in my hand and I can submit if you needed.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (LA)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (FL)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AK)

XX/XX/year> XXXX XXXX XXXX I am trying to set up credit freezes with the three credit reporting companies for an " incapacitated adult '' with XXXX who without clear awareness wracked up thousands in credit card debt and is now in collections due to them opening credit cards without anyone 's knowledge. The three companies have different requirements and methods of application. The worst by far was Experian which has a hyperlink advertising " minor children and incapacitated adults '' ( XXXX XXXX XXXX.experian.comXXXX  ) but when you click on it, there is not a single mention of incapacitated adults on the entire webpage ( XXXX XXXX XXXXwww.experian.com/XXXX  ). I used the help and search features with nothing showing up. I called every single number I could find online. The phone tree provides no opportunity to ask a general question or provide the answer to this one. It eventually cut me off - at every single number I used ( XXXX, XXXX, XXXX- which I received an automated response the email was decommissioned XX/XX/year>. ) HOW IS A CONSUMER SUPPOSED TO USE THESE PROTECTIONS IF THEY ARE SO INACCESSIBLE? This should not be hard or varied. Experian 's failure to make is accessible online or XXXX provide what is required for incapacitated adults is discriminatory to people with XXXX and should be considered as such.
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Hi my name is XXXX XXXX I am the owner of my Huntington bank Account. My account was closed for no reason an no explanation given. I tried calling, emailing, ect .... Still no REASON as to why my account was closed with a remaining balance was told they will mail me out a check with my remaing funds it has been a month and a half i had my work checks etc being sent there my rent was bounced bank now i am behind and at a verge of being kicked out and homeless i was told that this company can help me i need it please. i have a renaming balance of about XXXX and huntington closed my account on around the date of XX/XX/year>.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (VA)

I received a letter from Goldman Sachs Bank USA, confirming my savings account closure. I did not open an account with them. Only the last 4 digits of the account was provided on the letter, along with my name and address. When I called the number provided on the letter, they asked me to verify the last 4 digits of MY social security number, my name, and my date of birth. I asked for additional information, which included the amount of withdrawal and when the account was opened and closed, but they couldn't give me that information. They did, however, give me information of what I needed to do to report this as fraud. They gave me the phone number for the FTC ( federal trade commission ) XXXX, but instead of calling, I came to the website, which redirected me to this site.
Consumer complaint received 2024-07-26
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-02-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (WV)

Resurgent Receivables LL is attempting to extort me for {$1000.00}. I never conducted business with this ompany. They have my personal information without my written consent. They shared my personal information without my permission. I have a right to privacy. This organization falsely misleadi credit reporting agencies by defaming me without merit and just cause. They stole my personal information. They are attempting to collect a false debt and reported the false information. This is defamation. I have a number of tines to contact them and other credit reporting agencies without justice.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding LLC reported a debt collection on my credit reports. This collection does not belong to me. The debt was purchased by LVNV Funding LLC from XXXX XXXX in Texas, which is a utility company. I have never lived in Texas or had any transaction / business with XXXX XXXX. 
I tried contacting LVNV Funding LLC but they would ask for personal information like my SSN, which I am uncomfortable sharing. They did not disclose any information to me or reached out to me before reporting the debt to the credit bureaus. 
The amount is less than {$500.00}, but it does not belong to me. I am reporting LVNV Funding LLC because they did not verify if I was the actual owner of the debt or reach out to me, yet they reported debt collection to credit bureaus.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with 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 in 60 days 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 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 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 XXXX
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In my credit report it shows a different name that is clearly not mine legal name.my legal name is XXXX XXXX and the name that appears as my second name in my credit report is XXXX XXXX which is ridiculous beacuse theres no prove of me ever using that name ever or any identification or utilities bill with such name.
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: AMERICAN EXPRESS COMPANY (VT)

In late XXXX my American Express card 's annual fee was charged. I reached out to american express to request info on when I could close to card and still have the fee waived. I was told I had one month to close the account for a full refund of the fee. One month later I called to close the card but was told that because the month was 31 days not 30 I would not be refunded. Apparently the rules are that you must close within 30 days but I was told 1 month. The representative then offered me a retention offer that would offset the fee. I asked if there was any way they could refund the fee still and they said no. I agreed to the retention offer because otherwise I would lose {$250.00} and figured I could still use the card. I did ask that they review the communication and they said they would open a case and reach back out to me. I never heard from them. 

One year later in XXXX I called to close the account and was told that there never was a case made about the issue last year. In addition I was informed that if I closed that day the retention offer would be retracted. I feel as though I was tricked into keeping the card open for an additional year and by accepting the retention offer I was trapped into keeping the card for one year beyond that. I requested that a review of my account be made to look for the discrepancy but they told me they can not do that right now. 
I did cancel the card but feel I was defrauded out of the annual fee for one year and that again they attempted to coerce me to keep the card for one more year. 

The same thing happened to my wife with her card and we will be filing a complaint through her card as well.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (FL)

I am filing this complaint against Elan Financial Services for failing to respond to my Conditional Acceptance letter, unlawfully charging off my account while still attempting to collect the debt, and reporting the account negatively on my credit report. They have also violated the Fair Debt Collection Practices Act ( FDCPA ) by continuing to collect on a debt that has been charged off. 

Failure to Respond to Conditional Acceptance : I sent a Conditional Acceptance letter to Elan Financial Services in XX/XX/year> to address the terms of the account and request clarification regarding interest owed, potential securitization, and proper disclosure. Elan Financial has not responded to my letter, which, under UCC 1-308, signifies a tacit agreement to my terms. Despite this, they have not taken any corrective action or provided clarification. 

Charge Off and Continued Collection Attempts : Elan Financial Services charged off my account, which should indicate that the account is no longer collectible. However, they continue to attempt to collect on this account, which is in direct violation of the FDCPA. 

Negative Credit Reporting : Despite the charge-off, Elan Financial Services continues to report negative information on this account to credit bureaus, harming my credit score and financial reputation. 

Securities Fraud : I believe Elan Financial Services may have securitized my account and failed to disclose this information to me. If this account has been used as a security, I am entitled to the equity and interest that may have accrued. I have received no such disclosure.

FDCPA Violations : By continuing to attempt collections on a charged-off account and reporting it negatively, Elan Financial Services is engaging in unfair and deceptive debt collection practices in violation of the FDCPA. 

Relevant Laws and Regulations Fair Debt Collection Practices Act ( FDCPA ) : Elan Financial Services is attempting to collect on a charged-off account and is negatively reporting the account, which violates the FDCPA. 

Truth in Lending Act ( TILA ) : Elan Financial has failed to properly disclose the terms of my account, including interest and finance charges, and potential securitization. 

Uniform Commercial Code ( UCC ) 1-308 : Their failure to respond to my Conditional Acceptance letter violates good faith negotiation standards.

Securities Fraud : If my account has been securitized without proper disclosure, Elan Financial Services is committing securities fraud by not notifying me and by failing to compensate me for any equity or interest.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (TN)

I am not liable for this debt of {$9300.00} with NCB MANAGEMENT SERVICESXXXX  I do not have a contract with NCB MANAGEMENT SERVICES, they did not provide me with the original contract as I requested with my wet signature and ID verification.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (FL)

I disputed unauthorized transactions with XXXX XXXX from XXXX XXXX XXXX  for XXXX it was a duplicated trasaction. XXXX for XXXX from quality inn. And a new one for peer to peer transfer for {$30.00}. The denied the first XXXX. I wasnt able to dispute the peer to peer. And they claimed to have sent me an email regarding the dispute but i have no record of it.
Consumer complaint received 2024-09-09
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 (FL)

I recently reviewed my credit report and found several inaccuracies on my account, which are negatively impacting my ability to obtain credit. I understand that it is your responsibility to investigate these discrepancies to ensure the information is accurate. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] [ XXXX ] reported on XX/XX/XXXX and then it says i opened this account XX/XX/XXXX XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and 120 days every month XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ Jefferson Capital ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and 120 days every month XXXX : [ Jefferson Capital ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says collections every month XXXX : [ XXXX XXXX  ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is closed and 120 days every month XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and 120 days every month XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and 120 days every month
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information 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 : 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 XXXXXX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (HI)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-07-27
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: NEW YORK COMMUNITY BANCORP INC (MI)

After checking my credit report from XXXX I found numerous inquiries that I did not consent to. these companies have violated my right to privacy and used my information without my knowledge. I do not know how these companies got ahold of my information and I understand that it is the responsibility of the consumer reporting agency to verify and make sure the information being reported is fair and accurate. My information was apart of a data breach and could have easily been compromised and exploited by these companies. After contacting XXXX I was told that there is nothing they can do multiple times. I understand that i have certain rights and laws that protect against these things and do not wish to pursue any legal action as long as the outrages amounts of inquiries are removed. 
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 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group (NY)

XXXX. **Incomplete Data : ** - **Status** : There is no status provided for the account ; this field is blank.

- **Company Sold** : The field seems incomplete. It could be missing details such as the name of the company that purchased the debt, if it was sold to another entity.

- **Balance** : While the balance shows " {$670.00}, '' it's unclear whether this was the original balance, the balance after settlement, or the remaining balance at the time of reporting. 
- **Terms** : The terms are left empty. This usually includes information like the payment terms, such as " 12 months '' or " revolving. '' 2. **Inaccurate or Unclear Information : ** - **Paid Off** : The statement " Account paid in full for less than full balance '' suggests that the debt was settled, but the report does not explicitly clarify that the balance is now {$0.00}. If it was settled, the balance should reflect {$0.00}.

- **Last Payment Date** : The last payment is marked as " XX/XX/year>, '' but the " Balance Updated '' date is " XX/XX/year>, '' which could suggest the balance wasnt updated immediately after payment. 
- **Responsibility** : The term " 1 Month Individual Responsibility '' seems confusing. Typically, responsibility would state whether the account is " Individual '' or " Joint, '' and " 1 Month '' may not be relevant here.

- **Debt Buyer** : If the account was sold, the name of the company that bought the debt is missing.

3. **Consumer Statement** : - The phrase " ITEM IN DISPUTE BY CONSUMER '' indicates that this account is disputed, but there is no further information regarding what is being disputed or the resolution status. It may be helpful to clarify whether this is still under review or if the dispute was resolved.

Ensuring that these details are complete and accurate on a credit report is essential for clear and accurate reporting. If any of this data is inaccurate, it might warrant correction through the appropriate reporting channels.