davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (NV)

First Source Advantage and XXXX XXXX XXXX are trying to collect on accounts I do not recognize. I have repeatedly asked for proof that I opened these accounts and authorized the charges, but both companies have failed to provide any full transaction history or documentation showing that I personally opened or authorized any of the accounts or charges. 

During my time on hospice care, many people had access to my devices and accounts, none of whom had permission to open accounts or make charges on my behalf. Despite this, neither company has been helpful in investigating these unauthorized charges or providing verification. Both companies are now continuing to collect without proper verification, and XXXX XXXX has even re-aged accounts and re-reported them after removing them to avoid verification. 

I can not investigate whether these accounts or charges are legitimate without the full transaction histories and proof that I personally opened these accounts. Due to their refusal to assist, I now request that First Source Advantage and XXXX XXXX XXXX take full responsibility for proving that I opened the accounts and authorized every charge. If they can not do so, they should stop all collection efforts and remove the accounts from my credit report.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (OK)

On XX/XX/2024 there was a boost offer in the app for 50 % off of XXXX if selected in the app. I selected it and it activated. I used my card online at XXXX like cashapp said to. My total purchase was {$34.00}. Cash app didnt take 50 % off my XXXX  purchase even though I had activated the offer BEFORE I made the purchase. My total with the boost should have been {$17.00}. Im seeking a credit for {$17.00} which is 50 % off of the {$34.00}. I tried messaging support in app and they wont help or listen to anything I say.
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (GA)

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


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-10
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: AMERICAN EXPRESS COMPANY (UT)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

AMEX YOU FURNISHING INACCURATE INFORMATION TO THE CONSUMER REPORTING AGENCIES.

The Reporting of this Account as a Debt is Inaccurate.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The Reporting of this Account as a Debt is Inaccurate.

THE LEGAL DEFINITION PER THE IRS DEFINES A CHARGE OFF AS INCOME. 
INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT. 



AMEX CONTINUES TO VIOLATE MY RIGHTS BY REPORTING GROSS INCOME AND ORDINARY INCOME ON THE CONSUMER REPORTING AGENCIES BREAKING THE LAW. THIS ACCOUNT IS A " CHARGED OFF '' THE LEGAL DEFINITION PER THE IRS DEFINES A CHARGE OFF AS INCOME. 
THE REPORTING OF THIS ACCOUNT AS A DEBT IS INACCURATE. 
THE IRS STATES CLEARLY THAT ANY GROSS INCOME OR ORDINARY INCOME CAN NOT BE REPORTED INTO A REPORT BY ANY FURNISHER OR CREDIT REPORTING AGENCY.A CHARGE OFF IS GROSS INCOME PER THE IRS. DELETE THESE ACCOUNTS MENTIONED IN THE COMPLAINT ASAP AND I'M REQUESTING {$1000.00} PER EACH VIOLATION. AMEX XXXX AMEX XXXX. AMEX Continues to Violate multiple laws from Congress 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). CHARGED OFF is considered a certificate of indebtedness per the IRS and income can not be reported making The Reporting of this Account as a Debt is Inaccurate. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORTS BY LAW AND By Definition PER the IRS Clearly says a Cancelled debt or Charge off is Income. ADDITIONALLY THE LAW CLEARLY STATES Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report DOES NOT include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( AMEX, ) making the report. 

ADDITIONALLY I never received a 1099-C FROM for the cancelled debt. Amex is writing off debt with the IRS years Ago WITHOUT sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is ILLEGAL. 


You are hereby put on notice that you are reporting incorrect inaccurate information. 

DELETE THIS ACCOUNT.
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (WA)

On XX/XX/year>, I XXXX XXXX attempted to request a paper application ( prefferably in large font ) for a Citibank secured mastercard. Although the website states ... '' To request a paper, large font or XXXX copy of any of these documents, call us at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we will mail them to you at no charge. '' When i called and requested Citibank denied me the paper application at both the application and customer service centers. I was told i must go into a branch location to apply. By doing so Citibank has been untruthful stating they mail out at no charge and also discriminating against me by insisting i go to a branch when other applicants are not required to do so in order to apply. Furthermore although Citibank did not send me the paperwork, they went on to ask for my personal information, attempting to receive consideration from me without giving any consideration to me
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (VA)

Goldman Sachs Bank USA refused to allow me access to the Apple Card after I reported that my purchases with XXXX ( also doing business as XXXX  ) were authorized by me. Goldman Sachs Bank USA is also refusing to update their tradeline with XXXX, XXXX, and XXXX about my recent payment that would have typically been submitted by Goldman Sachs Bank USA on or by XX/XX/year>. 

I believe I'm being treated differently by Goldman Sachs Bank USA than their other credit card customers.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-31
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (CA)

I was running my credit for a rental as I ran my credit for the rental. I have resided at this address almost 9 years. 

I noticed on my credit report these inconsistencies. This account from Sterling Jewelers XXXX XXXX  shows that I do have a balance of {$2000.00}. I did speak with the company they are sending me an affidavit and we're hopefully going to get some information on what was purchased. Previously I had identity theft an the reason I found out was the owner is having to take back her home. Please take into consideration of helping me resolve this account as it's affecting my credit as it is I don't use credit nor have much.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (TX)

Received several emails from Chime. One was an alert that there was a new login on my account ( which I never opened ). Another had an attachment indicating it was my completed Direct Deposit form. A few days later, received a welcome email later, and today I received a XXXX Debit Card in the mail. 

I never used or signed up for Chime. Never applied or gave my information to Chime.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX In XXXX XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX   offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. XX/XX/XXXX I recontacted customer service to inform them that I was still in a financial burden with having to pay for insurance deductibles that was caused by the storm and not qualifying for FEMA assistance. At that time, they offered an extension of the forbearance from XX/XX/XXXX - XX/XX/XXXX, with the same benefits offered as before. When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XX/XX/XXXX when these same charges were being improperly charged. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to XXXX XXXX XXXX in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to XXXX XXXX XXXX because they were unable or unwilling to honor the original forbearance guarantee. I have disputed this with XXXX XXXX, XXXX XXXX XXXX, Experian, XXXX, and XXXX to no avail.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/year> I opened an account with the local Chase Bank in XXXXXXXX XXXX with a check in the amount of {$3900.00}. A day after my account was opened I received my debit card in the mail at my home and made an online payment to XXXX XXXX  in the amount of {$300.00} ( which cleared ) and linked it to my XXXX account. 

The following day I was informed the account was closed and went into the branch. I was informed then that the remaining balance ( of {$3600.00} ... this also included a {$5.00} deduction for rushed debit card delivery ) from the check that I opened the account with would be mailed within three weeks to my home address. No reason for the account being closed was provided. 

A letter was received noting the XXXX card payment, but after three weeks no check arrived. I called customer support and was informed that if it had not arrived in four days to call back. After a week I called again and was informed it would be two more days. 

On Wednesday XXXX I called again and was told I needed to go to the branch and file a Declaration of Loss. On Monday XXXX I went to the local branch and met with the banker who opened my account, who had to call internal escalations to understand what the problem was. 

At that time, the escalations department claimed they could not verify the issuer of the check was legitimate, and that there was a " number that was off ''. They also stated that since they had an antiquated system they could not verify the issuer and that the money would eventually go to the state. 

The bank of issue for this check was also Chase, and the issuer is a large title company. This is a completely different story than I've been told for the last six weeks and I was offered no path forward. 

Upon contacting the title company that wrote the check, we confirmed that the funds had cleared their account. This is having a devastating effect on my life as this money is a paycheck from my work as a real estate agent and is necessary for me to live and pay my bills. 

Thank you
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (MI)

Hello, I have owned XXXX rewards credit card for the last 4 months. For some unexplained reason, they decided to put ahold on my one time payment of XXXX dollars on XX/XX/XXXX thats lasted for 14 days before it was reflected on my credit line. They did the same with the payments in the amount of XXXX dollars done on XX/XX/XXXX and XX/XX/XXXX. I have reached out to the company on multiple occasions and they were unable to provide me with a clear explanation on why that was happening and when this policy would end. I have received no prior notification from them either that my payments would be placed on hold either
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: CITIBANK, N.A. (NY)

Good afternoon I contacted Citibank multiple times about two credit cards XXXX XXXX and XXXX XXXX XXXX XXXXXXXX for many terms is the first I see they provide documentation and the documentation that they provided when the card was open and where they send the card the card was not sent to my address so they open a fraudulent account and send the card to our address I have never live an associate myself with once again. I am reaching out to them to provide more documentation about the account about the address they sent the card to And the application that was submitted to them. I have never associate myself with XXXX XXXX XXXX XXXX but they sent a card dear without my permission and dont my knowledge this bank must hold accountable for their actions.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (CA)

My loan provider at the time, XXXX, assured me that it would help me find the best repayment options for my loans and promised that they would get me on a plan that could reduce my payments to as low as {$0.00} per month and help to forgive of any remaining balance after XXXX years of qualifying payments. They defrauded me! When my loan was sold, I called my current provider AidVantage and they told me that XXXX tried calling me several times during the time period that I was 'supposed ' to be late, however, I did not answer those calls, thinking that they were spam calls because XXXX XXXX already told me that my loans were in good status and that I didn't have to worry about anything else moving forward. XXXX has already been sued for widespread unfair and deceptive student loan servicing practices and abuses in originating predatory student loans.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (GA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

On XX/XX/year>, XXXX unauthorized transactions were made to my Capital One Venture Card for a grand total of {$8200.00} that posted to my account on XX/XX/year>. Per Capital One, all of these transactions were made in person in XXXX, XXXX. I have never traveled to XXXX. On XX/XX/year>, I was located in the United States of America, and more specifically, in XXXX, IN. I did not authorize or make any of these transactions. XXXX Capital One 's case decision, they state that I or another account user benefited from these transactions. 

Per the Fair Credit Billing Act, these are Unauthorized Charges to my account. The law places certain responsibilities on the lender to investigate the fraudulent transactions and their cursory review does not meet the FCBA reasonable investigation requirements. As I volunteered additional information proving that I was NOT in XXXX, XXXX on XX/XX/year>, the lender declined to review this additional information and said it would have no bearing on the outcome of their decision. I have attached my GPS enabled travel log through the Everlance Application I use for my daily business travel that shows I was located in and around the XXXX, XXXX. on XXXX XXXX.
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (SC)

I noticed an account XXXX XXXX XXXX on my credit report thru XXXX and reached out to the listed contact as XXXXXXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : Synovus Bank balance : {$490.00} and was sent a statement with no charges showing only charged off account {$0.00} please remove this from my credit reports due to unable to validate debt with a statements showing I owe {$0.00} that they sent me please see attachment.
Consumer complaint received 2022-11-24
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account XXXX XXXX Account XXXXXXXX XXXX Credit Account XXXXXXXX XXXX Account XXXX XXXX Account XXXXXXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXXXXXX Account XXXXXXXX XXXX  Account XXXX XXXX XXXX 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 an 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC. (NC)

SoFi Bank, N.A. closed my account last year in XXXX due to an overdrawn balance of {$50.00}. Since then, I have attempted to pay that balance but the bank does not allow me to do so and refuse to provide information about who the overdrawn balance has been referred out to.