davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

I am reporting XXXX XXXX XXXX XXXX, XXXX, for improper use of reporting to consumer reporting agencies. Additionally, the information is incorrect. The card is locked but is still being charged as if the credit account has a balance and then they are still reporting to the credit agencies. I have submitted to their special department via certified mail " tax '' documents and instruments to settle the account to XXXX  per their instructions. The same information ( 1099C, 1099OID, etc. AND restricted endorsement to pay to the UNITED STATES TREASURY $ XXXX ) has been sent to the Internal Revenue Service and Department of Treasury for compliance with the internal revenue service for my estate/account. This company has failed to update the account to XXXX  for the correct debit/credit balance. The laws below also show how the company is violating my rights and harming me from future opportunities. The balance must be reported on the account as XXXX as the Internal Revenue Service has been notified and also it must be updated to XXXX  balance on credit with no lates. I am requiring this to be updated with 1. XXXX XXXX, XXXX, 2. XXXX, 3. XXXX, 4. XXXX, and 5. Lexus Nexus. Additionally, I shall still maintain my rights for doing things in " Good faith and compliance with the United States Treasury and the account shall not be closed. 


15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation CORRECT AND UPDATE OR REMOVE FOR ACCOUNT SETTLED AND XXXX BALANCE
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

I am reporting XXXX XXXX XXXX, XXXX, for improper use of reporting to consumer reporting agencies. Additionally, the information is incorrect. When I attempted to get to my account online to get accurate information, I have been locked out but is still being charged as if the credit account has a balance and then they are still reporting to the credit agencies. I have submitted to their special department via certified mail " tax '' documents and instruments to settle the account to XXXX. The same information ( 1099C, 1099OID, etc. AND restricted endorsement to pay to the UNITED STATES TREASURY $ XXXX ) has been sent to the Internal Revenue Service and Department of Treasury for compliance with the internal revenue service for my estate/account. This company has failed to update the account to zero for the correct debit/credit balance. The laws below also show how the company is violating my rights and harming me from future opportunities. The balance must be reported on the account as XXXX as the Internal Revenue Service has been notified and also it must be updated to zero balance on credit with no lates. I am requiring this to be updated with 1. XXXX XXXX XXXX 2. XXXX, 3. XXXX 4. XXXXXXXX, and 5. Lexus Nexus. Additionally, I shall still maintain my rights for doing things in " Good faith and compliance with the United States Treasury and the account shall not be closed. 


15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation CORRECT AND UPDATE OR REMOVE FOR ACCOUNT SETTLED AND XXXX BALANCE
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Early Warning Services, LLC (NY)

I was a victim of fraud/a job Phishing email I got via my university  email. the scammer convinced me I was employed and that I should send out donations and later be reimbursed in the form of fraudulent forged checks ( total of 6 checks I deposited across all 3 accounts ) that I placed into three of my XXXX  XXXX accounts. all of these bank accounts were then closed and XXXX  XXXX ended their business relationship with me and one out of three of these bank accounts had been overdrawn into a negative balance because I had sent out my money for one of the donations and then I deposited the {$950.00} check just for it to be reversed days later I immediately paid this negative balance to bring my account back to XXXX dollars. XXXX XXXX has been communicating with me the remaining funds in my account and is in the process of mailing me my money in the form of check as of XX/XX/year>. XXXX XXXX reached out to me and let me know that they are reopening their business relationship with me and that I'm allowed to open up bank accounts with them again. I am very grateful that XXXX  XXXX has changed their mind as I have been banking with XXXX  XXXX since I was XXXX XXXX XXXX and the mistake I made came out of a police of innocence. Very happy about this decision. I decided to go straight ahead and open up a savings account again this went through successful however the checking account was denied because of early warning services who reported to XXXX XXXX that my deposit score is XXXX and that it is a higher risk score. XXXX  XXXX informs me that these are the major factors impacting my score the number of accounts in a hybrid status the time since the accounts last went into high status, the number of different banks inquiring during the last two years, and that the consumer currently has no accounts in open and in present status. I asked XXXX XXXX if this situation I've been and will have negative consequences financially and they stated no as long as I paid the overdraft amount. I'm only XXXX XXXX XXXX and I'm unable to open a checking account, because XXXX XXXX XXXX is keeping a bad record of me when I have already resolved the situations with XXXX  XXXX and it was truly an innocent mistake that I will never make again because I know how to navigate fraudulent checks now and job fishing emails that can get to me via my university email.
Consumer complaint received 2024-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

The collection items listed on the provided report are inaccurate and stem from identity theft. I am not responsible for these debts and demand their immediate removal. I am being unfairly harassed through relentless communications targeting my family, electronic devices, and mailbox. This constant barrage is causing undue stress and XXXX. I urge you to rectify this situation promptly and cease all contact and collection efforts.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (MO)

In XXXX an account with DirectExpress was opened to have my SSA payments deposited into. The account ( was suppose to ) have both my son 's and my name. 

Last XX/XX/XXXX, over 3 years later, DirectExpress froze the account because they couldn't find my son 's information, that is, Direct Express opened an account failing to follow The Bank Secrecy Act ( BSA ) and took them over 3 years to realize their mistake and now froze my account. 

My son has been twice to the SSA office and spent hours on the phone with no resolution to the problem.I already had to loan money in order to pay for my rent and utilities. 

We need to have Direct Express release our money immediately. It is not our fault that they made such a blatent mistake.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

I am writing to formally dispute the unauthorized acquisition of my bankruptcy records, which I believe were obtained illegally by LexisNexis. According to 15 USC 1681a ( 4 ), I have the right to privacy regarding my personal and financial information, including bankruptcy records. I assert that the disclosure of these records to LexisNexis was not authorized by me, nor do I recall providing consent for this access. 

Please provide me with the following information to clarify this matter : Details of the Access : Information on how and when LexisNexis obtained my bankruptcy records.

Source of Information : The name of the entity or individual who provided these records to LexisNexis.

Verification of Authorization : Documentation proving that I authorized the release of my bankruptcy records to LexisNexis. 

Should you require further information from me to resolve this issue, please contact me at the phone number or email address listed above. I expect a response within 30 days from the date of this letter. If I do not receive a satisfactory response, I will have no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse if necessary.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

I am writing to formally dispute the unauthorized acquisition of my bankruptcy records, which I believe were obtained illegally by LexisNexis. According to 15 USC 1681a ( 4 ), I have the right to privacy regarding my personal and financial information, including bankruptcy records. I assert that the disclosure of these records to LexisNexis was not authorized by me, nor do I recall providing consent for this access. 

Please provide me with the following information to clarify this matter : Details of the Access : Information on how and when LexisNexis obtained my bankruptcy records. 

Source of Information : The name of the entity or individual who provided these records to LexisNexis.

Verification of Authorization : Documentation proving that I authorized the release of my bankruptcy records to LexisNexis.
Consumer complaint received 2024-08-08
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: REGIONS FINANCIAL CORPORATION (AL)

Tried to cancel a hotel reservation made on XX/XX/XXXX at XXXX hours. The aggregator confirmed they would cancel the {$99.00} charge on my REGIONS BANK CARD ending in XXXX. I subsequently charged my XXXX XXXX for the XXXX XXXX room XXXX  XXXX in the amount of {$66.00}. 

I was told by the XXXX XXXX XXXX aggregator for XXXX XXXX that XXXX XXXX did not offer military or government discounts/rates. This was a prevarication and was confirmed by the XXXX XXXX XXXX  XXXX on duty, that the XXXX XXXX offers military and government rates. 
I provided this information to REGIONS BANK via claim ID XXXX on XX/XX/year>. I received a letter ( attached ) denying my dispute.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

My bestbuy card was closed in XXXX, after i paid off the entire balance on the account caused by inaccurate late fees and interest. I only took this long to report the account because Citibank restricted my access to my statement balance, but I recently found an old statement from XX/XX/XXXX. I was charged {$29.00} for a late fee for missing a payment on XX/XX/XXXX and XXXX even though I changed my due date on XX/XX/XXXX to XX/XX/XXXX. There is an email confirming this. 

On the statement it says the closing date was XX/XX/XXXX and that they were decreasing my credit limit. It makes no sense since I made two payments before the next due date XX/XX/XXXX, and paid the minimum on XX/XX/XXXX {$34.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} I request Citibank investigate this situation and show me their findings, if they do not provide proof, it would admit noncompliance.
Consumer complaint received 2024-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (SC)

I went in to pay off a Syncrony loan as of XXXX XXXX ( best I can tell ) the loan was through Lowes which I did not sign up with. That balance was {$2200.00} It defaulted from Lowes to a Syncrony acct ending in XXXX. I have no other acct # as you do not get a statement from them. Just a late notice by text. So I thought it was paid off. At that time I paid 3 others ( lowes via Syncrony ) off. 
The other payoffs went through. On XX/XX/year> I got a text saying it was past due. So I called and paid it off with an agent. I asked her to look and see that it was set for payoff same day as the others. She of course could not tell. So I asked for a removal of the {$25.00} late fee. Refused to do it even though it was obviously a elec issue on their system 's end. 
They refused & offered no excuse that it could be their system because no one else complained. 
It is not just my {$25.00} but can you imagine how many others get bilked because of the time it takes to complain.

Syncrony is getting away with this because of their lack of systems being efficient!
Consumer complaint received 2024-08-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (NJ)

on XX/XX/year> I recieved several phone calls saying from Credit Karma and that they needed me to press one for yes 2 for no about a XXXX transaction taking place. I didn't want to press anything as I felt it was a scam. So I called Credit Karma and was informed that they had not tried to call me, nor was anyone trying to make a transaction. 
on XXXX  XX/XX/year> I picked up XXXX XXXX and was informed my Credit Karma Money card was declined. As I knew I had plenty of money on it I checked my credit Karma account and found that my accounts were FROZEN! I called and was told only that it was for my protection. I was livid as I needed to be able to access the money. I was told that on XX/XX/year> I could go to an ATM and withdraw from my card, which I did, XXXX. 
on the XXXX my account was unfrozen. On the evening of the XXXX I got a push notification on my phone that the transfer of XXXX from my savings to my Spend account had been completed... I did not authorize this so I immediately called credit Karma only to be asked if I had changed my phone number. I had NOT and still can not understand how they allowed someone to change my phone number when they wouldn't even TALK to me without sending me a link and my sending them my drivers license, front and back, as well as a selfie of myself holding the drivers license! By the time I got through over XXXX had been removed from my money account by ATM transactions and purchases at XXXX. THIS took place while I was on the phone! 
Credit Karma froze my money card, and i asked them to freeze my checking account until they got my stolen money back. Now there is a screen with the WRONG phone number on it and they ask me to verify that it's my number, it isn't! I have had the same phone number since the day I opened Credit Karma. I asked today why they won't put MY phone number back, and I am told they are working on it. Shouldn't my phone number be back on there as well as asking me to change my password? Isn't Credit Karma supposed to protect us? How did they allow a hacker to come into my account and compromise it by changing MY INFORMATION. Now I am told it may be 90 days! I would like to get all of the money out of my accounts before Credit Karma allows it to happen again!
Consumer complaint received 2024-08-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (DE)

On XX/XX/year> I spoke with an agent from XXXX. She told me Credit acceptance was lying about not being able to remove the debt. She also told me that credit acceptance has all the documents to remove it. And that XXXX has all the documents to remove as well and they are just waiting on the creditor. The agent also suggested it was illegal that credit acceptance refuses to remove the tradelines with documentation. XXXX removed the employment information from my report. The same job credit acceptance is claiming I gave them paystubs for. Credit acceptance also removed their XXXX ad after I brought attention to their negative reviews and shared other similar experiences to mine with the CFPB and XXXX. I called credit acceptance and like always they offer no solutions. They told me to my face they will not change their Answer. The legal team is very rude and disrespectful also refuses to help with my situation. I plan to take legal action and sue credit acceptance for the damages if this is not removed. They also told me that they will not respond to my CFPB report that is unfair because Im using my resources the best way I know how. They admitted on a recorded line they accept fraudulent information for an auto loan. But wont remove this account. They are gathering information from the disputes not from the contract and using it against me
Consumer complaint received 2024-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

The company JEFFERSON CAPITAL SYSTEMS is attempting to collect a debt I do not owe. 
They repeatedly report this fraudulent information. I have not contract with them and have received no services from them. I want them to withdraw there fraudulent report from my records immediately. This has cost me my good name and has brought a great deal of stress to my life. They repetitively send harassing mail to my home and wont go away. 
I have no accounts with them and never had. They lie and say that I owe them money. I have not ever signed anything stating any such agreements with them. I WANT THEM TO REMOVE THEIR NAME AND DEROGATORY MARK FROM MY CREDIT REPORT. 
Thank you for your time.
Consumer complaint received 2023-03-13
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Bank account # 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 also states a consumer reporting agency can not furnish a account with my written instructions
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Affirm Holdings, Inc (NE)

I logged into the application to use my buying power, which was previously listed at {$1500.00}. However, when I logged in on XX/XX/2024, I was notified that I no longer had buying power and that they would not be providing me with buying power. Despite reaching out several times to inquire about this issue, I have received a blanket response stating that they do not provide details about their credit decisions.