davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NY)

The accounts from XXXX XXXX XXXX XXXX XXXX XXXX have been reported on my credit history, which has been perplexing for me since, until the moment I checked my credit history, I had not received any notification from the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX or from the collector that an account would be transferred to a third party. This has been problematic as their presence on my report has significantly affected my finances and credit applications. I filed various disputes with the credit bureaus, requesting validation of the information, as well as with the collector regarding how this transfer of my credit information was handled. I did not receive a response from them, so I decided to take action and submit this complaint. 

Based on a preliminary investigation and analysis of my credit report, I noticed that the accounts are being reported irregularly among the credit bureaus, providing incomplete information that varies between them, and even some bureaus do not report either of the two accounts. My research shows that these discrepancies fall under the definition of violations of sections 15 USC : 15 USC 1681e ( b ), 15 USC 1681i ( 5 ), 15 USC 1681 ( a ), 15 USC 1681s-2 ( a ) ( 2 ), and 15 USC 1681n . Given these facts, I determine with certainty that the account does not meet the legal requirements to be reported on my credit history.
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (GA)

On XX/XX/year>, XXXX XXXX, filed a civil lawsuit against me in XXXX XXXX XXXX XXXX in XXXX, where the judge ultimately ruled in their favor. I appealed the decision in XXXX XXXX XXXX XXXX. I am currently defending this lawsuit currently. The original XXXX nor XXXX never sent a validation notice to me about the debt. I have disputed the debt in court and with the debt collector and the debt collector continues to report the debt to the XXXX credit reporting agencies. Originally, the debt was {$12000.00}, but they are now reporting a higher amount of {$14000.00} to XXXX, XXXX, and XXXX. XXXX has violated South Dakota Codified Law 53-1-2, as well as federal laws 15 USC 1692j ( a ), 1692e ( 9 ), 1692e ( 14 ), and 1692i ( a ), and CFPB Section 1006.34 ( a ) ( 1 ).
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, false information consists of this account : Account name : XXXXXXXX XXXX XXXX  XXXX Amount : {$5000.00} Account number : XXXX Date opened : XX/XX/XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. 

The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (FL)

On XX/XX/year>, I purchased a couch for {$1400.00} from XXXX XXXX XXXX and XXXX in XXXX, FL. The salesman informed me that I can pay half up front ( {$990.00} ) and half later if I choose to. I agreed to that. He informed me that he works with Acima Digital, XXXX. and I can finance the other half through them. This would be called the Early Option, and I chose that one. I read through Acima 's contract and calculated how much I'd need to pay per month in order to meet the XXXX Year No Interest terms, just to make sure I was understanding correctly. I even referenced the chart in the agreement ( attached ) and it reflected exactly what the salesman said. The problem is, that if I DID NOT pay the second half of my couch WITHIN XXXX DAYS, I would be charged {$2400.00}. No where on the page I'm referring to has ANY mention of that whatsoever, and the other language on the chart is extremely misleading. 

The contract is entirely deceptive, and the salesman not once mentioned this exorbiant fee. It is clear that he purposefully left that information out and lied by omission. There is only XXXX sentence in the agreement that even has mention of A XXXX Day Early Purchase Option. All other mentions of Early Purchase Option OMIT the language " XXXX Day. '' Please see attached for a copy of the lease agreement. You will see where the finances are laid out, but fail to mention or inform the lessee of the " XXXX Day Early Purchase Option. ''
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (FL)

I signed up with this company to improve my credit score. I had a savings account with them and they offered a credit-building card. 

They offered to take {$20.00} each month from my checking account and it would be reported as me paying in a timely fashion. What was not disclosed to me, either on their website or on their app is that the payment would not be refunded. I did not purchase anything from them so the {$20.00} was them stealing my money and acting in a fraudulent and hostile manner towards my income. 

After a 12 payment, I stopped it, yet they tried to start another. When I contacted them for the money I had paid, I was told it was not refundable. Yet I signed no documents nor agreed to anything of such manner. When I asked for documentation that I agreed to this company keeping my funds, I was told they would send it to me, but they never did. They have yet to send documentation showing that I agreed to give them {$20.00} for 12 months without getting my money back. 

So basically it's their word saying that I agreed for them to keep my money after collecting {$20.00} for 12 months. There's no documentation that I ever agreed to this company keeping my money. 

Also what they failed to tell me was that whenever I decided to stop paying into their scam, they would report the account closed and that my credit score would go down. 
They reported that the account was closed and my credit score went down XXXX points! 

I signed up with their company to help my credit score, they took my {$240.00} and were nasty and condescending when I requested my money back. They then proceeded to refuse to refund my money to me and reported the account closed after they stole my {$240.00} and had my score go down XXXX points because of the closed account. 

This Kickoff Lending is a fraud and scam. Their goal is to scam innocent citizens of their funds and when we cancel with them, they report the account closed to punish us for not containing to give them our hard-earned money. They know their scam can only last as we continue to pay. But once we stop, they punish us by reporting the account closed, knowing full well, this will cause a decrease in the scores.
Consumer complaint received 2024-08-07
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: Bread Financial Holdings, Inc. (GA)

Fraudulent Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX COMENITYCB/ XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I had XXXX $ in my brokerage account. XXXX went on XXXX and announced he's going to issue another XXXX XXXX in mstr equities. That is fraud XXXX. My trades have already not been settling and he's increasing the bank 's short position and ability to insider trade the shares. So XXXX XXXX XXXX contracts for $ XXXX. I then transfer the $ XXXX to my checking account to immediately spend on XXXX, so I can withdraw from this fraudulent rolling bankruptcy ( FTX XXXX contact XXXX and XXXX XXXX you owe me in excess of a XXXX dollars cash )... Anyway, my account generates a margin loan to issue the cash to my checking account since settlement hasn't happened yet. I then try to spend the cash. The transaction gets blocked at moonpay for fraud. I expected this might happen as banks have been restricting outflows and making up reasons as to why they can't allow customers to access their funds for quite some time now. XXXX even warns customers that they have been targeted by banks and card declines are common. I then received an error message on visa and XXXX XXXX letterhead informing me the transaction failed, and there was a phone number to the visa fraud department. I called. They undid the block and said try again. It failed again. I called XXXX, they did something, still didn't work. Then I tried the transaction with a bunch of different merchants. All same error. transaction fails, transaction shows up as pending on my XXXX XXXX app, but there is no dollar value associated with it. I then contact kraken support and XXXX support. They both confirm that there is no account issue on their end, and that the transaction is being declined. I then call back XXXX and stay on the phone for another XXXX hours. ( XXXX hours in total ). The result of all this, is that the margin loan most likely did not clear. I'm not paying interest on that loan. It is fraud. The funds were not available. This is part of a much larger issue i've been having with chase. None of my trades have been settling so far as I can tell for quite some time. I think this is bankruptcy fraud and XXXX should be put into receivership with XXXX immediately... There was also massive fraud that took place with the XXXX and mstr quotes over the last week.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

In accordance with the fair credit reporting act. This creator Synchrony Bank has violated my rights under 15 usc1681 section 602 states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer reporting agent can not furnish a account without my written instructions under 15 usc166b a creditor can not treat a payment on a credit card account under a open and consumer plan act. As late for any purpose can you help wit that
Consumer complaint received 2024-08-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Lending Services LLC (NV)

The company Global Lending Services is violating my rights. I obtained this car in XXXX and returned it when I was an XXXX XXXX military service member under the Service member Relief Act ( SCRA ). However, they are reporting on my credit that the car was repossessed. To make matters worse, they claim I made a payment in XXXX of this year to keep the car on my credit report, when it has been more than 10 years since I had the car. They are not honoring the SCRA and are incorrectly stating that I got the car in XXXX when I was already retired and living in XXXX, NV. They have not provided me with a copy of the original contract, which likely contains the truth about when I obtained the car. Since they are not honoring the SCRA and it has been more than 10 years, they should erase this from my credit report. I also want proof of the payment that they claim I made in XX/XX/XXXX to keep the account on my credit report without any valid reason. This not only seems illegal, but it also appears to violate my rights as a veteran.
Consumer complaint received 2024-08-06
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: Selene Holdings LLC (VA)

Despite several attempts to resolve this matter, the incorrect information remains on my credit report, causing significant damage to my credit score and financial standing. 

On XX/XX/XXXX and XX/XX/XXXX, my mortgage account was reported as having late payments. However, these reports are inaccurate. I have reached out to them several times to no avail, yet no action has been taken to correct the errors. 

The Fair Credit Reporting Act ( FCRA ) mandates that information reported to credit bureaus be accurate and complete. The continued reporting of these late payments violates this requirement and is unjustly harming my credit profile.

I request that [ Bank Name ] immediately : Correct the inaccurate late payment entries on my credit report. 
Notify all major credit bureaus ( XXXX, XXXX, and XXXX ) of the corrections. 
Confirm in writing that these corrections have been made.
Consumer complaint received 2024-08-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Processing Services, LLC (MT)

Ive been getting multiple calls a day, and they are also calling family members, from global processing solutions that claims I have a debt from XXXX. Any information they verbally verify has information from roughly XXXX as well as some information that doesnt even belong to me. I requested validation and they claim its in a file for evidence and are unable to share with me since this case is due to go to court for wage garnishment and asset freezing. Upon reviewing their information through the XXXX they have multiple complaints as well as being banned to do business from the XXXX. Please look into this company as they are not practicing legally.
Consumer complaint received 2024-08-06
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: MARINER FINANCE, LLC (FL)

Response to an insufficient validation statement/letter they sent to me. I have asked the company several times to validate this debt and they have not. 
This collection is not accurate or can be validated. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt. I ask that you provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. The Agreement that grants you authority to collect on this alleged debt. A copy of your state license, including license number that give you rights to collect in my state. The purchase agreement showing where I signed something. This is fraud because you are unknown to me I never did business with you. 

7. ( Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt you nor I can validate this because we wasnt present ) 8. ( The Original Promissory Note on this Alleged Debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act and FDCPA. 

Also you have committed the following FDCPA Violations you are sending deceptive forms making false belief that I owe you. 
15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. 
Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only not the same insufficient docs you already sent.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Inaccurate Negative Remarks : The negative remarks associated with this debt are inaccurate. Dept of Education has failed to provide any documented proof to substantiate these negative details. Additionally, there has been no legal correspondence or opportunity for me to defend myself against these negative entries on my credit report. This lack of evidence and due process is a direct violation of my rights under the FCRA. 
Incorrect Reporting of Daily Transactions : The daily transactions being reported are inaccurate and misleading. I do not have any contractual agreement with Dept of Education that authorizes the reporting of these transactions, nor any agreement that specifies the terms of such reporting. The reporting of late payments is particularly egregious, as I have no contract that stipulates these terms, making any late payment entries invalid. 
This debt was federally discharged in XXXX, as per the official discharge order issued by XXXX XXXX XXXX XXXX Despite the discharge, XXXX, XXXX and TransUnion continues to report this debt, which is in clear violation of the FCRA. This not only misrepresents my financial status but also causes undue harm to my creditworthiness.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WA)

I opened a checking account through chase bank. My grandfather had his retirement direct deposited into the account, Chase then closed my account for fraud suspicion. I contacted Chase bank and they advised they will release the funds and re open the account after I bring my grandfather into the bank to verify information and his identity. Myself and my grandfather walked into the bank they took copies of his id and social security and he signed verification that his retirement payments are not fraud. Chase then re opens my account with new account number and everything and deposit funds into account so we can withdrawal. A month later my grandfather whom has already been verified by the bank IN PERSON and verification was recorded by making copies by banker XXXX in XXXX, WA my grandfather signed over his retirement check to me for deposit into my account while he would be in hospital ( my grandfather lived with me and his checks helped pay for the bills ) Check was deposited, chase didnt flag anything they just waited the full 10 days for the check to clear and the check did clear by retirement and of course my grandfather the funds were posted to my account a little over {$3200.00} and after the check cleared they closed my account and advised they will be mailing funds to address on file. I received a check in the amount of {$100.00} from my savings account and no check for the {$3200.00} in my checking account. I called a few more times and was told the same thing and that they can hold the money for up to XXXX. Well its now been 2 YEARS!!!! My grandfather has passed away from his battle of multi organ failure. I call yet again and they advise me that yes they have the {$3200.00} and they will not release it to me because they dont believe the funds belong to me. I advised that everything has been verified and they said that dont matter and now that my grandfather is deceased and cant verify AGAIN they will be holding onto the funds because they cant send the funds back because check cleared, they cant send to my grandfather because he is deceased and they dont believe that the funds belong to me. Even after we verified. They manager just said sorry there is nothing she can do for me. So now where does that leave this situation?? So Chase gets to keep mine and my grandfathers money because they THINK it could be fraud!! Even after verification and now 2 years having passed!! Do I need to get a lawyer because the only people being fraudulent is CHASE bank!!! My family is having SEVERE financial hardship currently and this is causing an even more hardship and more strain to my already diagnosed mental state.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (AZ)

Global Lending Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX XX/XX/2024 Dear Global Lending Services, I am writing to formally dispute the account appearing under my name with your institution. Pursuant to the XXXXBliley Act ( GLBA ) and XXXX XXXX XXXX, I am asserting my rights regarding the improper handling and dissemination of my private financial information. Specifically, I demand the immediate removal of this account from all records and credit reporting. 

Under XXXX USC XXXX, financial institutions are required to respect the privacy of their customers and adhere to strict guidelines regarding the sharing of nonpublic personal information. As per the provisions of the XXXX, I have not provided consent for the dissemination or sharing of my financial information associated with this disputed account. Therefore, any unauthorized reporting or communication of this information to XXXX XXXX, including credit reporting agencies, is a violation of my privacy rights. 

I request that you : XXXX. Remove this account immediately from all internal and external databases, including but not limited to credit reporting agencies. 
XXXX. Cease all dissemination of any nonpublic personal information related to this account in compliance with the XXXX and XXXX USC XXXX. 

Please provide written confirmation within XXXX days that the disputed account has been removed and that my personal information has been protected as required by law. Failure to comply with these legal obligations may result in further action, including but not limited to complaints to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX