davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

Once this hit my account I called. They said I owed money for appliances. They acknowledged the appliances were not actually delivered. Its an address I did not even live at. The company said they would remove it. I believe it was an appliance store out of New York. I thought it was handled but I got a collection. I disputed it through XXXX and it was removed. Now I have another collection agency hitting my report saying I owe these funds. 

The account is with a Jefferson Capitol? 
XXXX XXXX XXXX XXXX. XXXX, MN XXXX Account XXXX XXXX {$1500.00} Credit dispute case with XXXX XXXX The company has no documentation for a credit line authorized by me. 

They have no proof of any merchandise being received by me. 

They are supposedly out of New York? 

I did have XXXX fraud accounts opened when I sold my house at XXXX XXXX XXXX, XXXX, Ohio XXXX. XXXX with XXXX XXXX  which I called and had fixed and another with XXXX XXXX. 

I have always lived in Ohio. 

At the date of this collection XX/XX/2024 my address and property I own is XXXX XXXX XXXX.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

This account called Portfolio Recovery Associates XXXX XXXX XXXX XXXX VA XXXX : XXXX Account # XXXX should removed from my credit report. I'm not legally responsible for this account and I do not recognize this account. I called the credit bureaus the other day try to remove this account of my credit report. I'm going to upload my Massachusetts ID card and Social Security card to try to verify my identity and prove that this account should be deleted from my credit report.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc. (PA)

Shortly after they had fixxed my last filed complaint with the consumer protection bureau, I received an email from money lion stating suspicious activity on my account. Becuase I added money from my XXXX XXXX, onto my money lion account then I venmoed ot to my XXXX XXXX XXXX daughter while she was on vacation with her dad in XXXX. My daughter doesn't have a XXXX XXXX, I allow her to have XXXX bank card. So I transfered the money from my XXXX XXXX, to money lion account. My money lion card is attached to my XXXX and is how I send my XXXX XXXX XXXX daughter, XXXX XXXX, money when she needs it. I then proceeded to XXXX my daughter XXXX dollars for sneakers while she was in XXXX  with her step mom and her dad. Money lion flagged this as suspicious and blocked me from all and any access to My money lion bank account. They emailed me asking for documents, which I provided. Then continued to tell me that someone would contact me in XXXX hours. They received my documents and to wait for then to contact in XXXX hours. XXXX  days later, they took money out of my other bank account for an instacash repayment. But still no contact as promised and no access to My account. Now over the phone they are telling me that they need XXXX to XXXX business days to give me access to My account. This can't be real. I get paid once a month. They are trying to tell me that they are not giving me access to My own money ... from the federal government.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (IL)

On XX/XX/year> I went to the XXXX. They only allow DEBIT card transactions. They Charge a {$3.00} surcharge on my debit card. I thought visa debit/prepaid cards can not be charged surcharges. On my account it says the ATM withdrawal was {$23.00} then I had a surcharge for {$2.00} on my card from my bank that was reinstated. The problem is that at the ATM aka me checking out at the XXXX I only was paying {$20.00} and they added the {$3.00} surcharge ( thats why it says I took out {$23.00} and not just {$20.00} ). On the receipt it says I paid {$20.00} and there was a {$3.00} surcharge. My full total that day was {$41.00} but I paid {$11.00} in cash, {$10.00} in rewards points, then was charging the remaining {$20.00} on my debit card and the company added the {$3.00} surcharge on my receipt. So not just was I surcharged on my visa debit card but the surchage was well over 3 %. Even if my total was {$50.00}, 3 % of that would only be {$1.00}. I was wondering if this is legal or allowed? I thought that visa debit cards and prepaid cards can not be surcharged and can not be charged more than 3 % of the total.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC. (TX)

I originally opened an Ollo XXXX ending XXXX in XXXX which had a {$1000.00} initial credit line. In XXXX I learned Ally bought Ollo and to prepare for the acquisition, they began updating the card numbers, which caused the original account to change to XXXX XXXX. My card stayed under Ollo XXXX until XX/XX/XXXX at which time Ally replaced the card with their own, however the account number ending XXXX remained and has remained the same. Ollo stopped being reflected on my statements in XX/XX/XXXX, in XX/XX/XXXX Ally branding took over. However, in XX/XX/XXXX, I decided to open A NEW CARD directly with Ally to help build the relationship. I was approved and issued Ally XXXX ending XXXX which started and has remained with {$800.00} limit. That card is reporting and has reported since its opening. My issue is that my credit report HAS NO RECORD of the Ollo/Ally XXXX account whether you start from XXXX OR after the merger in XXXX. Thats 2 whole years of credit activity that is missing COMPLETELY. I just pulled my CR on XXXX and there isnt even a closed account under these details from Ollo or Ally. I am trying to repair my credit and this has actually lowered it significantly. I demand that Ally immediately update their records with ALL 3 Bureaus with the correct and accurate info for Ally XXXX XXXX starting from XXXX and going thru current date and onward. I have tried getting them to do this directly but they made me send a request and my CR but can not tell me when or how they are going to fix it. I called them on XXXX and XXXX and XXXX but they are unable to provide any information other than and I quote - WE REPORT TO ALL BUREAUS AND YOUR INFORMATION IS REPORTED AFTER EACH STATEMENT IS RELEASED, WITH THE NEXT ONE DUE XXXX. That can not be correct because I have 2 years of statements online I can pull and NOT one has shown up on my CR at any time. I have also hired a credit repair company that has sent validation to the bureaus and Ally has failed to update ANY information as legally required under FCRA.
Consumer complaint received 2024-08-28
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: ALLY FINANCIAL INC. (AL)

XXXX Someone tried to open a credit acc without my permission XXXX Someone tried to open a credit acc without my permission Global lending services Someone tried to open about 5 loans without my permission Ally financial Someone tried to open about 5 loans without my permission XXXX XXXX XXXX Someone tried to open about 5 loans without my permission XXXX XXXX Someone tried to open about 5 loans without my permission XXXX XXXX I have more then one inquiry from them XXXX XXXX XXXX Someone tried to open about 5 loans without my permission XXXX XXXX me I was told about XXXX lies on a car I was trying to purchase they said I could get the car with XXXX XXXX down but then said I had to put XXXX XXXX down which is misleading and fraud Some of these car loans places wouldnt approve me without a co signer. After they said I could get one and be approved they lied about that cause I still didnt get approved for the loan at all once I acquired the co signer My bank which is XXXXXXXX XXXX lied said I couldnt get a loan but I talked to someone and they said they didnt have a problem getting approved with their new credit and just starting off which means misleading info and prejudice XXXX XXXXXXXX XXXX XXXX which is also my bank did the same thing mislead information to me
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PROSPERITY BANCSHARES, INC. (IN)

My complaint is that the bank has placed an unreasonable hold on electronically transferred funds from the XXXX XXXX XXXX. I was told the funds would be held from 60 and perhaps longer. The bank claims the XXXX XXXX XXXX placed this hold over the funds. According to the XXXX XXXX XXXX they do not place holds on EFT funds at all. Furthermore, the XXXX does not notify banks when holds can be lifted from EFT funds, nor do they confirm that EFT funds were not overpaid or that they will be rescinded. According to the XXXX they would request any funds be returned directly from the recipient. Furthermore, it is my understanding that according to federal banking standards, EFT funds should be released within 7 business days. We are currently beyond this grace or waiting period. The funds were deposited on XX/XX/year>. I am requesting release of the funds immediately.
Consumer complaint received 2019-12-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Business and Consumer Solutions. (AZ)

Since about XX/XX/2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$1000.00}. I believe I appreciate FBCS, Inc. originally XXXX accepting about {$35.00} a month during this time. However, I am concerned about damage to my credit score in order to qualify for a home. I am still collecting unemployment and now I am starting school next year.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

As I was reviewing my credit report, I noticed XXXX XXXX XXXX reported that I was 30 days late for payment on XX/XX/year> According to Law for a late payment.

15 USC 1666b ( a ) Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I was not informed by mail or email and would like the late payment reported to credit agencies from XXXX and XX/XX/year> to be removed from XXXX credit report.
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (ID)

I used my Wells Fargo app to XXXX {$170.00} to a close friend and have done so before. They XXXX the money to someone who came up under her phone number in their system and now they are refusing to give me my money back even though I pulled her up through my Wells Fargo app.
Consumer complaint received 2024-08-28
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Colony Brands, Inc. (MO)

On XX/XX/XXXX or XX/XX/XXXX of this year, an account was opened with Montgomery Ward fraudulently by my ex wife using identity theft. The account was opened using my full name, my Social Security number, and her mailing address. She ordered an item from the company to be delivered to her home, using my name as the ordering person. XXXX was never made on this item, and the account and line of credit was never evident to me until I received notification that my credit had taken an almost XXXX point hit because of a 60 day nonpayment notice. The item was delivered to her residence, accepted by her, but never paid for in an effort to harm my credit. A police report has been filed, but this issue is not resolved. 

The item charged was a drink dispenser for {$74.00}. I have notified XXXX XXXX and they have opened a fraudulent investigation. However, damage has been done to my credit rating.
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (CA)

a credit card opened for {$600.00} USD with XX/XX/XXXXXXXX credit card was opened, never been paid, became over due with interest fee 's compounding. it eventually went into collection. I tried to dispute this charge and when I call the company they do not have this account on file. I am certain this is fraudulent activity. total fee 's are at {$780.00} USD.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Today, XX/XX/year>, I received a call from Capital One claiming that I three credit card accounts with them. Until I received the call earlier today I have no prior knowledge of having any active credit card account with Capital One. 

I did however receive a call from Capital One approximately 3 months ago in XXXX of XXXX  wanting to verify personal information for 2 credit card applications I made with Capital One. I proceeded to tell Capital One I had not applied for any credit card ( s ) with Capital One and it was an attempt on stealing my identity.
Consumer complaint received 2024-08-20
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: Mr. Cooper Group Inc. (NY)

The credit report shows the following : XXXX have received reported payments up to XX/XX/year>. 
XXXX have received reported payments up to XX/XX/year>. 
XXXX have received reported payments up to XX/XX/year>. 
My mortgage payments is not accurately being reported to the credit reporting agencies each month on time.
Consumer complaint received 2019-12-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GMFS, LLC (TX)

Due to the circumstances that are fairly attributed to the actions of GMFS in a XX/XX/2018 Pre-Foreclosure Sale, we were legally entitled to {$81000.00} in insurance proceeds according to FHA Handbook guidelines. Furthermore, GMFS was left ineligible for mortgage insurance claims with the FHA to mitigate their losses on a damaged house. Therefore, we believe GMFS engaged in fraudulent means to circumvent compliance with FHA/HUD policies and accurate reporting to credit bureaus in order to recoup their losses with disaster related insurance funds by not releasing those fund to us. If GMFS was justly entitled to those funds due to our fault in the matter, there would be no need to avoid the transparency of due process through legal action against us to recoup the funds after releasing the funds to us to be in compliance with FHA/HUD policies, and even avoid committing disaster related fraud.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX ), XXXX XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of XXXX XXXX  and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit cards accounts opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX with a balance that appears related to the aforementioned personal loan account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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 XXXX XXXX and fraud. I have attached a copy of FTC XXXX XXXX XXXX  Complaint XXXX  ( 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 XXXX XXXX and fraud.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

In approximately XX/XX/XXXX, American Express removed the XXXX benefit from our XXXX American Express card. Since that time, we have applied and re-applied for the XXXX benefit to be re-instated. The representatives have wrongly applied for SCRA benefits on multiple occasions as well. Each time the XXXX benefit is applied for it comes back denied. I have called American Express with an XXXX representative on the phone who confirmed that the benefit should be applied to our account and explained to the Amex representative that XXXX pulls a person 's XXXX XXXX status first and does not reflect dependent status. I am XXXX XXXX with the United States XXXX XXXX XXXX which does not fall under XXXX protections. My husband is XXXX XXXX XXXX and I am his dependent and as the law states, XXXX benefits extend to military dependents. We have explained this over and over again to Amex and have been refused XXXX protections each time. When we spoke with a supervisor in XX/XX/XXXX, she stated that she could remove the annual fee on the card so we could close the card or we could apply one more time for the XXXX benefit. When I called today after learning the benefit had been denied, the supervisor ( XXXX ) stated he could not remove the annual fee when closing the account. I would prefer our XXXX protections be applied to the account so we can keep it open. We have offered to provide copies of XXXX XXXX orders, promotion orders, marital certificates, etc and are told no each time. Currently, American Express continues to blantantly violate XXXX protections that are supposed to be afforded to XXXX XXXX members and their spouses.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute an inaccurate and unverifiable item on my XXXX, Equifax, and XXXX XXXX credit report. The account in question is a charge-off reported by XXXX XXXX , with the account number XXXX. This item is listed under adverse accounts on my credit report and is damaging my credit standing. 

I request an immediate investigation into this matter under the provisions of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. According to the FCRA, all information reported to credit reporting agencies must be accurate, complete, and verifiable. If XXXX XXXX can not substantiate the accuracy and completeness of this account with documented evidence, it must be promptly removed from my credit report. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( b ), my right to privacy regarding my personal financial information is protected. As such, I am requesting that any information that can not be verified be immediately deleted, as retaining such unsubstantiated data violates my rights under federal law. 

Please provide a written confirmation that this item has been deleted from my credit report within 30 days of receiving this letter. If you need further information, do not hesitate to contact me at the address or phone number listed above. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

On my credit report with XXXX. 
They are saying my student loan in XXXX XXXX dollars. But my two loans are {$2200.00} and {$2000.00}. Also, it says my loan was sold.
Consumer complaint received 2024-08-28
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (WV)

Comenity / Ulta Acct opened XXXX Closed XX/XX/2024 Ulta reported me 30 days late in XX/XX/2024. I made my XXXX payment IN STORE. I had no idea this payment wasnt received until I got my following months bill and noticed a past due amount. I went back into the store and the store manager remembered me paying the bill and offered to make it right. It was a cash payment. Still to this day its showing late. I closed the account after this happened because they were careless in processing my payment. I want it reversed or removed all together.
Consumer complaint received 2024-08-28
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. (FL)

I Recently demanded a deletion of inaccurate information on my credit report the results was a deletion of 3 accounts out of the 7 accounts i listed as inaccurate. the remaining accounts information was changed, which would be a violation. This would be BREAKING THE LAW, under the FCRA it is the duty of consumer reporting to report fair and accurate information at all times, If the information was accurate from the beginning there should've been nothing to change. I am also Demanding compensation in pursuant to 15 usc 1681n & 15 usc 1681s ( 2 ). Below I attached letters detailing my situation further.

Also here is a list of inaccurate accounts. 

Initial Inaccurate reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shows XXXX XXXX XXXX XXXX XXXX One Can not be late back to back like this it should be XXXX to XXXX to XXXX. This is inaccurate. 

XXXX XXXX : year XXXXXXXX XXXX Shows 120 days al through. this is inaccurate. 

XXXX : year XXXXXXXX XXXX Shows 30 days all through until XXXX. which then goes up to 60 days. this is inaccurate XXXX XXXX : year XXXX. XXXX XXXX. Shows 30 days back to back. This is inaccurate.