davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

XXXX XXXX credit card is reporting a balance usage of 99 % on the card since XX/XX/year>. Card was paid in full and has had a XXXX balance since XXXX. Tried dispute through Equifax and the bank says the information is correct
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC (AL)

This company is reporting fraudulent inaccurate information on my credit reports. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

To Whom It May Concern : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
XXXX. Chain of Custody XXXX. Assignment of Contract Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY (NC)

Back in XXXX XXXX American Express sued me in court wrongfully.. so now I have a judgement against me.. I have been keeping in contact with them even before the court date which took place in XXXX XXXXevery time I contacted them they would tell me to call other numbers.. then when I call they would tell me that my account is on hold because of me filing a dispute against the account.. so they said that they couldnt give me any information.. before I knew it.. I had a court summons.. I contacted them back asking why but they wouldnt say, they would just keep saying the account is on hold.. so Im asking how can you take me to court then if the account is closed because of my disputes..you all didnt even want to wait to see what the outcome will be.. and right now Im still in the process of disputing.. the account is charged off and they are still reporting a balance which is leaving a negative remark.. so if its anything I can do can you all please advise me..
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (MI)

Your advocacy lady Contacted saying she would handle getting me pay for the two XXXX XXXX in my name cash into your bank and account XXXX XXXX XXXX I were told by check fraud XXXX XXXX around XX/XX/year> that SSN number XXXX led to that account he cash them into. 

Now it is Discovered that he has open up an account in my name at XXXX XXXX  XXXX XXXX charter no XXXX and complaint file with XXXXXXXX XXXX as XXXX which would involve illegal transactions at your bank, Please investigate. 

XXXX Claim no XXXX for XXXX
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/year>, synchrony bank stole XXXX dollars from my Venmo account that i need to pay bills and evacuate from hurricane Milton. The minimum amount owed was XXXX dollars on my credit card bill, and they took XXXX, which was the last of my money because i had just been laid off from my job. I requested to have my money back, they acknowledged they took the wrong amount, and they said a check would be on the way. The check never came. I called back again on XX/XX/XXXX and they said nobody had sent a check. They said the check would be on the way again. It is now XX/XX/XXXX and i have gotten no money, i am stranded in XXXX and could not evacuate because i have no money, and i am probably going to die. XXXX XXXX for doing this to me
Consumer complaint received 2024-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown and Joseph, Ltd (CA)

Received a phone call from Brown & Joseph, LLC on behalf of XXXX on XX/XX/XXXX stating they are trying to collect an overpayment from a Long Term Disability Claim from XXXX. I never received any documentation from XXXX regarding an overpayment in XXXX and do not think it is legal to come after me 8 years later when I no longer have access to documents to substantiate the claim. XXXX has confirmed that they forwarded this claim to Brown & Joseph in a letter sent XX/XX/XXXX. I have a letter from Brown & Joseph dated XX/XX/XXXX and have notified them via phone that I intend to fight this debt collection.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc. (NY)

I received the email below- we had $ XXXX in this account and now they will not answer our emails or tell us how to get the money out of the account. You can see in the below texts the XXXX says our account was shut down for complaint and as you can see stops responding. 

This ticket was created on your behalf. 

To add additional comments, reply to this email. 

Hello, Were writing to inform you that we can no longer offer you services at Mercury.

Your account has been closed due to a breach of our Terms of Service and/or your Deposit Account Agreement. As a result, funds associated with your account are being retained by Mercury. Please note that scheduled, previously initiated, and expected incoming funds may still process ( wires, card transactions, check deposits, and ACH credits ). Please be assured that we will promptly notify you if there is any change in the circumstances surrounding this closure. We will be unable to share additional details about this decision with you. We appreciate your understanding. 

Thank you,
Consumer complaint received 2024-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX, around the hours of XXXX XXXX  to XXXX XXXX, a hacker accessed my google chrome/gmail account and home network IPs to login to my XXXX account/data, leading to accessing my paypal account. My paypal account was not linked to XXXX, so they must have had passwords from other methods. 

After using my data to search through several websites, they found their way into the paypal system and withdrew {$5300.00} from my linked bank into a paypal account labeled, " XXXX XXXX '', for a " hospital bill ''. This transaction was denied by the bank, but paypal refused to reverse it and applied the negative balance to my paypal account. They are claiming, that because the IP # 's match, that it was a legitimate withdrawal on their end, and refuse to reverse the transaction. They are also claiming that this type of transaction is not covered by their buyer protection program. 

In this case, the fraud occurred twice. The first time, when the hacker was able to use my home network and access my linked accounts, leading to a withdrawal of {$5300.00}. The XXXX fraud occurred, when the bank rejected the transaction, and then paypal reapplied the transaction into my personal paypal balance.

Paypal refuses to find out where that money/withdrawal went, and is holding my account responsible. They are not providing me detailed information regarding this specific transaction. The only information I have is that what I described above. 

Within XXXX hours of the {$5300.00} withdrawal, there were other, small value Fraud transactions below {$100.00}, which, when reported with the original fraud, paypal reversed it within XXXX minutes. For whatever reason, they refuse to acknowledge that the {$5300.00} withdrawal was fraud as well, and reversing this transaction.
Consumer complaint received 2024-07-05
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. (GA)

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.

Account Name : XXXX Account Number : XXXX Account Name : XXXX - XXXX Account Number : XXXX and list of Inquiries. 

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 2023-08-16
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. (NC)

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 USC1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : account name XXXX XXXX, account name, XXXX XXXX, account name, XXXX XXXX  ( original creditor XXXX XXXX they stated everything was complete and accurate. 
But how is that possible if the open date, date of last activity and much more is incorrect? 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1681 section 602 A.states i have a 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 : no consumer reporting agency may make any consumer report containing of the following items of information any other adverse.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First National Collection Bureau, Inc. (MD)

I received a text message on XXXX XXXX XXXX XXXX XXXX XXXX from FNCBNV who identified themselves as a debt collector. I was given a reference code XXXX XXXXXXXX to log onto their website with. I logged in using the reference code and was forced to make an account. Once the account was established, I saw that FNCBNV is attempting to collect on an old debt on behalf of another debt collector XXXX XXXX XXXX XXXX for an amount of {$3500.00}. I called FNCBNV at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to discuss this with a representative and the phone disconnected and I am not able to reach another representative. I would like ALL communication and collections efforts to stop on this account as it is past the statute of limitations and has been written off as a loss by the original creditor.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Mercury Technologies, Inc. (NY)

I sent a transfer out on XXXX  the XXXX of XXXX of {$10000.00} USD. On XXXX  my account was shut down and the balance was apparently {$0.00} - I never received the transfer and when I was told my account was shut down i was informed my balance was {$0.00}
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group (IL)

XXXX XXXX XXXXXXXX sent me a summons to appear in court for surge credit card which was in the amount of XXXX dollars I paid that off and it still shows on my credit report as a collection it was paid off in XX/XX/year> fix this please Im not sure who purchased it I think it was prime investments llc I think Im not positive but they can tell you
Consumer complaint received 2024-06-18
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. (AL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

This account represent a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : DISCOVER BANK XXXX
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (MI)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

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 : Collection/Charge Off ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR XXXX SENT TO XXXX XXXX Inquiries : ID FOR XXXX SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Collection 1. Collection XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Collection XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX : XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


Late Payment : XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 



I urge you to treat this matter with the utmost urgency.
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (IN)

First off my card was locked. I went to pay for my room. I only unlocked my card to pay for my room. The man told me there wasn't enough money on my card to pay for it. I said hold on let me check. That's when I saw a charge on my statement saying that I purchased some items from XXXX. I don't even use instacart. I've been going through with Cash App since the XXXX of XXXX. They keep denying my claim. I even have proof of it, where the instacart order went to, what the person bought, and a statement from XXXX stating that I did nothing fraudulent. Cash App keep insisting that I made the transaction when I didn't. I've sent them proof. I just got off the phone with who supposed to be the XXXX and he told me they denied my claim again even though I sent them proof that I didn't. I ask them to send me proof that I violated their terms and agreement, they didn't. All they keep email me is a copy of their terms and agreement. That's not proof. I need my {$84.00} back and for my Cash App account to be re-activated. I even have proof of what items they brought. The person who supposed to be the XXXX told me that they see my proof but my claim was still denied. I'm not understanding. And they wonder why they keep getting sued. Please help me get my money back? And don't let them you guys any lies. Because that's what they are going to do. If you want me to send y'all my proof, I will.
Consumer complaint received 2024-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (GA)

In XXXX of XXXX, I inquired to Mr. Cooper about options regarding payment modifications. I was instructed that a loan modification is possible and went through all the applicable paperwork required, and was reassured time and time again that they have it handled, this is common, and it will not impact my credit. 

As of XXXX, after multiple attempts at a resolution, there has been a nonstop barrage of automated phone calls that lead to no one, unanswered support tickets, and no additonal paperwork at the end of the trial payment period modification period. They call every day not to resolve the issue, yet an automated message saying you owe money and to call us back, yet it's always the same answer- you're on a modification. Its fine, and we will remove that from automation. 

It's been reported to all agencies I'm delinquent when I was entrusted to pay a specific amount and not a XXXX more, or it will affect the modification ; I have records of payments each month and never miss a payment. 

While I hope Mr. Cooper 's reassignment of a dedicated specialist in XXXX will resolve this, it has not. It is now the XXXX of XXXX and via the app and website I have no way to make a payment. It says to wait for documents 3-10 business days, and it's been over 15. 

Even now a call in today they can not provide anything written yet I should trust the recorded call. 

If I try and call in its asking me to make a payment that does not reflect any payments made in the trial period and I can not change the amount via phone. 

Please help. 
A tired dad and frustrated homeowner
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (GA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CARD Corporation (OR)

I disputed multiple transactions for a total of a little over XXXXXXXX XXXX after I called and disputed them I went and filled out the dispute form and signed it and faxed it in. A few days after that I called to check the status of my dispute claim and I was told it was denied due to the fact that there were deposits made into the account, & that is correct there was a few deposits made into the account using my other debit card linked to my card.com account not the card i called as stolen and disputed the transactions made with that specific card every deposit made into my card.com account was using a different debit card not the one called in stolen. & When I spoke to the customer rep I also told them my phone and wallet was stolen. Also when I disputed these transactions it was within the 90 day period.