davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upgrade, Inc. (FL)

I KNOW THIS MAY BE A DUPLICATE COMPLAINT, HOWEVER I HAVE UPDATED DOCUMENTS PERTAINING TO THIS MATTER, I HAVE INVOLVED THE XXXX POLICE XXXX XXXX XXXX DEPARTMENT TO RESOLVE THIS MATTER, THEY HAVE CONTINUED TO NOT COMPLY WITH ANYTHING THEY HAVE CONTINUED TO LIE AND HAVE TAKEN RESPONSIBILITY FOR MY ACTIONS OF MY INAPPROPRIATE, LEWD AND RACIAL REMARKS TO THEM. I WILL BE SPEAKING TO DETECTIVE XXXX XXXX REGARDING THIS MATTER AND THEY CONTINUE TO COMPULSIVELY LIE ABOUT VXXXX XXXX XXXX HAVING MY ONE OF ACCOUNTS ( THE CREDIT CARD ACCOUNT WAS BUT REVERTED BACK TO THEM AND I HAVE PROVIDED A COPY OF THAT CORRESPONDENCE AS WELL ) ALSO, AMIDST THIS BEING IDENTITY THEFT, PER CUSTOMER DASHBOARD IT STILL WILL TAKE PAYMENT ON BOTH ACCOUNTS REGARDLESS AND AS I STATED THIS STILL IDENTITY THEFT PERIOD, IN ADDITION THEY WERE TOLD THAT I WAS EVICTED WHEN THEY SENT ALL OF THEIR VERIFICATIONS AND THEY CONTINUE TO IGNORE ME LYING CONSTANTLY!!!! I WANT THIS TO BE OVER WITH!!!! THIS SITUATION HAS CAUSED ME SEVERAL JOB OFFERS, POTENTIAL RELATIONSHIPS AND XXXX XXXX WITH BEING INTIMATE!!! THEY PRETEND TO BE SORRY AND BRUSH OFF THE FACT I HAVE TRIED TO XXXX XXXX ALONG WITH THE FACT THAT I AM HOMELESS, CARLESS, JOBLESS AND HAVE BEEN XXXX  AND XXXX CONSTANTLY!!!!! THEY ARE NOT SORRY AT ALL AND I WANT $ XXXX FOR EMOTIONAL AND MENTAL DISTRESS WHICH HAS BEEN TAXING!!! I HAVE ALSO PROMISED TO NOT HAVE ANY CONTACT WITH UPGRADE, INC AND NOT APPLY FOR ANY CREDIT WITH THEM AND ADDITION TO MY TERMS ONCE THEY HAVE COMPLIED AGREEING WITH THE TERMS AND CONDITIONS MENTIONED I WILL TAKE ALL OF THE VULGAR AND ILLICIT POSTS I HAVE MADE BUT NOT UNTIL THEY HAVE AGREED TO MY TERMS, PAY ME AND GIVE MY XXXX XXXX PREMIUM OF MY CHOICE AS THEY ARE A MULTIBILLION COMPANY WHO CORRUPTS MULTIPLE CONSUMER AND TAKE NO RESPONSIBILITY FOR ANY ACTIONS AT ALL!!! I AM AWARE OF MY FINANCIAL CHOICES AND PROBLEMS. DOING THIS WILL RESOLVE EVERYTHING ON BOTH ACCOUNTS AND OUT OF COURT!!! THIS WOULD PREVENT ANY BAD PRESS, BAD PR AND ANY LEGAL ACTION IN THIS CASE!!! $ XXXX AND XXXX IS BETTER THAN LEGAL SITUATION AS WELL AS AN ANGRY CONSUMER!!! IF THEY CAN GO OUT ON YACHTS, VACATIONS AND HAVE MULTIMILLION MANSIONS BUT ACT CHEAP ( THEIR FINANCIAL AND PERSONAL ARE PERSONAL BUT THEY ACT LIKE $ XXXX WILL BREAK THEM )
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

I had already submitted complaint XXXX but the details of the situation are below : I have been a victim of identity theft since XXXX I had notified and frozen my report with all 3 bureaus, there were numerous attempts but none successful until this past week. 

On XX/XX/XXXX, I received an email from Experian that my information was changed in their database, I did not request any of those changes be made. I called them the same day and requested the file be frozen as I faxed and mailed my information in which I did that same day. They promised me on a recorded line that the file would remain frozen until I got the PIN # in the mail to my address on file. 

On XX/XX/XXXX I received an email that my file was thawed until XXXX there were 2 inquiries that hit my report from XXXX XXXX and XXXX XXXX that were both fraudulent. 

On XX/XX/XXXX I called Experian again to try and regain access to my file and online portal, they were able to get me into the account last night around XXXX. I felt like everything was good I added 2 factor authentication and a security PIN to the account. 

On XX/XX/XXXX I logged back into the portal to verify my credentials were valid and immediately saw they were reverted back to the fraudulent email that had been flagged for them before. I asked if they could get me back into the account and add any security measures they then proceeded to transfer me to 4 different departments before hanging up on me. They told me the only way they could protect me is if I did a paid membership with them to protect my credit which I have little to no confidence in given the 19 hour turnaround to get me removed from my own file/account again.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Affirm Holdings, Inc (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer science help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: MARINER FINANCE, LLC (VA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

My vehicle was parked legally and struck head on by a vehicle on XX/XX/2022. I was not found to be at fault for the accident ( and was not even in the parked vehicle ). I have documentation to support my claim. XXXX Lexis Nexis is reporting the accident as AT FAULT on their report that is used by auto insurance companies and is severely affecting my premiums. I have a clean driving record and no at fault accidents. 
LexisNexis Risk Solutions XXXX XXXX XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that XXXX is alleging that I owed an amount of {$7900.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and XXXXXXXX XXXX has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and XXXXXXXX XXXX failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. I was also threatened that my credit would be ruined if I did not pay off this debt after my most recent attempts to collect data from said account investigations.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Hello, I wanted to go shopping today ( XX/XX/year> ) as I enjoy buying jewelry for myself. I had reserved and planned to pay for a XXXX in cash {$21000.00} and wanted {$6000.00} extra in case I wanted to buy something as my debit only has a XXXXXXXX XXXX This was not my first time doing this as in my statement Ive been buying jewelry at XXXX XXXX. The request cash I had asked for was {$27000.00}. After this someone in the Citibank fraud department called me saying they were going to close my account and is in need for investigation. As an XXXX XXXX  who only has 1 bank, its pretty terrifying knowing that I cant use it and it has been my main source of payments. This is the first time something like this has happened and I have been a loyal customer for 4 years now. 

If Im being truly honest, I believe the teller profiled me thinking I had a business but I am just an XXXX XXXX residing in NY for education. I dont know why I was flagged for this was told to me by my other international friends that visiting a bank teller would be the easiest way to pay for high price purchases. 

As I visiting a local bank teller in NY, i had requested for cash and shown details about my purchase and had mentioned all remaining money will be sent back into my checkings account. I had decided to want to pay cash at the store as I had thought going to a bank teller would be the easiest way possible to confirm my identity as I brought my passport and ID. 

As I was waiting in the bank, the teller put me on the phone with the fraud department asking where I receive my funds and why I do. I understand that this is protocol but if you check thoroughly in my history, I have been receiving funds from mostly 1-2 people which are my family members sending me allowance here and tuition. 

I have been banking with only citibank since arriving here in the states and it is my one and only source of spending money. 

Looking forward to hearing from you, XXXX, XXXX XXXX
Consumer complaint received 2024-07-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Momnt Technologies, Inc. (GA)

A salesman came to my house selling a bathroom remodel. Basically, his company would provide me with a new bathroom. However, he stated once my husband and I talked it over and not comfortable with the options we could reach out to him in 3 days and cancel. The next day a gentleman came to our house to go over the project of remodeling the shower only and he explained we had to pay for vanity, flooring and facets. In other words, we would pay {$11000.00} for a shower and I said no thank you. I called the salesman, and he said that I was going to make him look bad because I decided to cancel this project. I explain to this salesman that I thought we were getting more than just a shower upgrade and that I did not think this project was worth {$14000.00} with taxes. After that I started receiving threatening calls and emails from Momnt that I owe them money for a bathroom/shower installation. I've reached out to the XXXX XXXX XXXX  and other agencies to help clear this matter up and since XX/XX/year> to no avail. Momnt has continued to harass me since the contractor took out a loan with them and trying to get me to pay for it. I DO NOT HAVE A REMODELED SHOWER OR BATHROOM. I will not pay for a remodeled shower/bathroom I do not have installed in my house.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: VEROS CREDIT, LLC. (CA)

Back in XXXX I was a victim of a XXXX XXXXhat's the first time when I start having identity theft issues. It's so much fraud that's in my name to where I had to sign up for so much protection to avoid any further issues. I reported these issues XX/XX/XXXX to XXXX and XX/XX/XXXX I have no connections or knowledge of these accounts listed. Please help me! I never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that's where the suspect lives. Please help remove this fraud! I even just hired an consumer attorney to help in this process. This is my last attempt before the attorney get the case.
Consumer complaint received 2024-07-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (PA)

My credit report is showing a collection account from XXXX XXXX. I never received written notification about this debt which means I have not been given a chance to dispute this account according to 12 CFR 1006.34 ( c ) 4I XXXX XXXX are violating my consumer rights. I am requesting DEBT VALIDATION according to 15 USC 1692 ( g ), as well as the purchase agreement between ASSETCARE and XXXX XXXX XXXX, a detailed list of the history of payments, proof that XXXX XXXX have chain of title to collect on this debt. Without providing any of this information this account should be permanently deleted immediately.
Consumer complaint received 2024-07-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Filed a Dispute-Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Original balance {$780.00} Date opened XX/XX/XXXX Collection account. {$780.00} past due as of XX/XX/XXXX.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC. (MN)

My account was placed in restricted on XX/XX/year> and when I called they said it was because my last deposit from my job not in my name even though that doesnt make sense. I called multiple times on this and completed their verification process only to be told on the phone their investigation team is still looking into it and there is no timeframe. I cant access my money and they wont even help or give me a timeframe.
Consumer complaint received 2024-07-20
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: AMERICAN EXPRESS COMPANY (GA)

In XXXX of XXXX, my American Express XXXX American Express XXXX XXXX XXXX XXXX XXXX, TX XXXX ) credit card information was stolen and multiple online purchases were made to my card amounting to over {$6000.00} ( {$2600.00}, {$1800.00}, and XXXX on XX/XX/XXXX ). These were fraudulent online charges to XXXX XXXX XXXX ( XXXX XXXX XXXX. In XXXX of XXXX, after an initial dispute was rejected due to AMEX claiming that the items were delivered ( XXXX XXXX ) and signed for by me at my home. I never received these items nor did I sign them. Following the initial dispute, a new investigation was opened in light of more details about the fraudulent charges and has been ongoing since then and there has been no document provided to me detailing the findings of the new investigation. These charges were obviously fraudulent and I have no idea what the investigation outcome is nor any of the details related to the investigation. 

AMEX XXXX # XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Citibank Customer Service XXXX XXXX  XXXX XXXX XXXX, SD XXXX Re : Settlement Offer for Charged-Off Account My name is XXXX XXXX XXXX XXXX and I am writing to address a critical issue that has come to my attention regarding an account with your bank. Recently, I was informed by my background investigator that there is an account with Citibank that is past due and has been charged off. This information has been brought to light as I am in the final stages of securing a federal job, a position that I have worked tirelessly to attain. 

I am deeply distressed by this revelation, as I have no recollection of ever opening an account with Citibank. Nonetheless, I am committed to resolving this matter swiftly and amicably, as it is impeding my opportunity to join the federal agency. 

I want to emphasize the urgency and gravity of my situation. My mother, who has been diagnosed with XXXX, is currently XXXX and under my care. The financial and emotional burdens of her illness have been overwhelming. As a result, my resources are extremely limited. Despite these challenges, I am determined to clear this issue to secure my future and continue to support my mother. 

In light of my circumstances, I am proposing a settlement amount of {$1000.00} to resolve the outstanding account. This is the maximum amount I can afford given my current financial situation. I implore you to consider my offer with compassion and understanding of the hardships I am facing. 

Resolving this account will not only help me move forward in my career but also alleviate some of the immense stress I am under as I care for my sick mother. I am hopeful that you will see the sincerity and urgency in my request and accept my settlement offer. 

Please take this settlement proposal seriously and respond at your earliest convenience. I am eager to resolve this matter and am available to discuss any details necessary to facilitate a swift resolution. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One account # XXXX, is reporting to XXXX that date of ast payment was on XX/XX/year> and a last date active on XX/XX/year> and XXXX is reporting the same capital one account # XXXX, with a date of last active on XX/XX/year>, and a date of last payment on XXXX and Trans uion does not report it nor have it as hurting my chances of getting a first time home buyer loan please remove all the confusions and misinfomation about me
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

i was on the phone with the early warning lady and we both got a truist member on the line with us, the lady said she couldnt unlock my account so she transferred us to the fraud truist department because they are supposed to unlock my account, then they answered they also said the same thing, they transferred us to the supervisor, the supervisor never answered after waiting XXXX minutes. mind you i already have my consumer reports from back in XXXX. i have been waiting since XXXX just to get {$180.00} out my account it should not have to take all of this just to NOT get my funds. my number is XXXX this is pure insanity that truist wants to accuse me of fraud activity when I AM THE PERSON OF THE ACCOUNT how can i even fraud my own self this is bullsh..like seriously i need answers and results asap the only one that has been helping was the early warning lady.
Consumer complaint received 2024-07-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (OH)

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 no later than 21 days before the payment due date.

Ally Financial 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.