davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (TX)

The following letter was sent to Velocity Investments , LLC on XX/XX/year> : To Whom It XXXX Concern, You were previously sent a demand letter on XX/XX/year> from me, XXXX XXXX, requesting the removal of collection item pertaining to Case Number XXXX that does not belong to me. I called and spoke to a representative on XX/XX/year> and it was stated by the representative that the item was removed. However, you are still reporting it to the credit bureaus and continuing on with a lawsuit. Your firm has failed to provide the legally required validation of Collection Item pertaining to XXXX XXXX XXXX. 

You have been notified that your actions are detrimental to me and that your firm has violated, including but not limited to, the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me were inappropriate and damaging. Velocity Investments , LLC failed to exercise reasonable care in their business practices and did not implement even minimal procedures to ensure that I was not harmed. Velocity Investments , LLC communicated and are continuing to communicate incorrect and defamatory information to third parties, including but not limited to : XXXX, XXXX, and XXXX. As a result of these blatantly reckless, wanton, and intentional acts me has caused me to suffer and I continue to suffer general and specific damages. I am also very distressed by your firms intentional infliction of emotional distress and the overall diminished quality of my life. 

I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX ) as well as from the Velocity Investments LLC systems. As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. Please be advised that if this matter is not resolved by XX/XX/year>, I will take any and all necessary steps to protect my rights. 

Thank you in advance for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Current credit card being used in my name with a current reported balance of {$810.00} used of {$3700.00}. I would like to permanently close this account because I dont have any access to this card that is being used. I havent gave any consent to anyone to use the current card that is active or being a authorized user of the USAA Federal Savings Account. I had no idea about this account being opened on XX/XX/year>.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC. (AZ)

This is about CIT bank 's ( cit.com ) online sign-in method, which is insecure. I have warned them about it and asked them to change it, but they refused. 

When you log in to CIT, the " remember me '' box is checked by default. This is inherently insecure, because the user has to notice that the box is already checked and remember to uncheck it. No other finanical institution I have ever dealt with makes " remember me '' the default setting. 

I told them months ago through their message center that this is not secure and they need to change it, but they replied something to the effect that " if you are using a public computer, uncheck the box. '' I don't have access to the exact wording because they have shut down their online messaging system so I can't access the message. 

This is obviously insecure for anyone using a public computer or for anyone who doesn't want their private computer to remember logins for security purposes. No one else does it this way and their cavalier attitude toward security is unacceptable.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am appealing for your support concerning the misleading account on my credit report. The issue has badly hurt my reputation, and I need your help. Your mismanagement of my credit report has deeply damaged my standing, and these wrong details must be removed immediately.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX...
Consumer complaint received 2023-04-01
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. (CO)

XXXX XXXX XXXX, with original XXXX XXXX  for XXXX is still showing on my credit report, when I have consistently reported information incorrect, and due to possible fraud. It needs to be removed immediately, otherwise I will take legal action. 

The credit bureaus continue to disregard the law. I showed them multiple times how they are violating the Fair Credit Reporting Act.

According t

o 15 USC 1681i ( 5 ) the credit bureaus are required to modify or delete accounts that are not reporting accurate information. According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission.
According to 15 USC 1681 I have the right to privacy. 

According to 15 USC 1681s-2 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 confirmation of errors. 
A person shall not furnish information relating to a 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 accurate. 

The credit bureau has no respect for laws, and I expect them to be held accountable.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MORGAN STANLEY & CO. LLC (FL)

On XX/XX/year> a wire transfer was made out of my account to an individual I do not know to a bank Im not familiar with and I did not authorize. I tried to get information from E*trade customer service who would not put me through to a manager and told me my money would not be refunded, total of {$1500.00}. Said they would put in a request for manager to call - to this date almost 2 months later, no call. I did not authorize this transaction and E*Trade is further victimizing the victim. Their website states they refund unauthorized transactions, apparently they engage in false advertising as well. 
The only action theyve taken was to close that account and open another. 
Ive filed a complaint with XXXX  who informed me they contacted E*trade three times and received no response.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TX)

PAID IN FULL FOR DELETION AS WELL AS REQUESTED-Mailed Certified XX/XX/year> Todays date Wednesday, XX/XX/XXXX No response. Please remove. 
The CFPBs debt collection rule requires debt collectors to provide you with certain information about your debt, known as validation information. Generally, this information is provided in a written notice sent as the initial communication to you or within five days of their first communication with you, and it may be sent by mail or electronically.

This information will help you recognize whether the debt is yours and, if not, how to dispute it.

This notice generally must include : A statement that the communication is from a debt collector Your name and mailing information, along with the name and mailing information of the debt collector The name of the creditor you owe the debt to o It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (TX)

PAID IN FULL FOR DELETION AS WELL AS REQUESTED-Mailed Certified XX/XX/year> Todays date Wednesday, XX/XX/XXXX No response. Please remove. 
The CFPBs debt collection rule requires debt collectors to provide you with certain information about your debt, known as validation information. Generally, this information is provided in a written notice sent as the initial communication to you or within five days of their first communication with you, and it may be sent by mail or electronically.

This information will help you recognize whether the debt is yours and, if not, how to dispute it.

This notice generally must include : A statement that the communication is from a debt collector Your name and mailing information, along with the name and mailing information of the debt collector The name of the creditor you owe the debt to o It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a natural person, I am a living human being. 

XXXX is governed by 15 USC 1681 and have continued to violate my rights, XXXX received notification in XXXX via FTC report of misreported information and all supporting documentation in regards to XXXX XXXX XXXX This company also has received action by CFPB for their fraudulent practices and misreporting of consumer information. XXXX continues to furnish this inaccurate and fraudulent information on my credit report. 

There is a fraudulent account from XXXX XXXX XXXX in the amount of {$1900.00} that is misreported on my file. This account XXXX XXXX XXXX must be removed from my Credit report and XXXX held financially accountable for their false reporting of information.

Their failure to positively verify these accounts has hurt my ability to obtain credit and should be held accountable just as XXXX XXXX XXXX Unverifiable accounts must be removed if they are unable to provide verifiable proof which they have not under FCRA.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-08-28
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: Synovus Bank (NC)

In accordance with the Fair Credit Reporting Act, [ Account Name & Account Number ] has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
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: LEXISNEXIS (CA)

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX  score. 
Below are the details of the accounts in question : XXXX XX/XX/year>2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX  XXXX2023
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/year> - Logged into acct to check balance on Chase card. Pymt is due XX/XX/year>. 
We have minimum auto pay set up. Went to Pay & transfer to see statement balance but instead saw error messages " We're having some trouble showing your account balance right now. Please try again later. '' XX/XX/year> - Tried again later and logged into acct to check statement balance and received same error message. Went to Help & Support, " Send us a message '' with email icon. It would not allow an email message to be sent. I used Chase 's ADA message board to eventually send a message. 

I have received this error message in the past. It makes it difficult to budget ahead of time to pay the statement balance. So what happens is the automatic minimum is paid and our account is charged interest when not paying full statement balance.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

For the past several months on my landline called ID a company named Portfolio Recovery has called and left no messages therefore I am familiar with the name. Today, approximately 25 minutes ago this company call my daughters cell hone and asked to speak with me and stated it was a personal matter and could not give her details. I than called the call back number for " Portfolio Recovery '' and asked what this was in fererence to giving my name only. They wanted my date of birth which I DID NOT provide as I feel this is a scam on my behalf. I am a low income XXXX XXXX with no credit cards nor do I own a home and I am on XXXX XXXX My concern is how and why they have called my daughters cell phone and I am frightened they may now have her personal information as well as any financials. Please help.
Consumer complaint received 2024-08-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IL)

They declined my new homeowners insurance saying I wasn't a named insured, when in fact I was listed on the policy. I sent the mailed copy verifying the proof of insurance, no payment. Called, emailed, and faxed proof no payment made. The portal they have to load the documents does not work.
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: LEXISNEXIS (TX)

Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the three major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

Sincerely,
Consumer complaint received 2024-10-02
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Skrill USA, Inc. (IL)

I open a skrill account on XX/XX/year> on XX/XX/year> at XXXX XXXX I funded my account with my chime debit card adding money for my time account to my Skrill account. This is the first of any activity I have done since opening this account. On XX/XX/year> at XXXX XXXX a minute later after funding my account I received an email from XXXX stating that my account has been restricted. On XX/XX/year> at XXXXXXXX XXXX exactly XXXX hours to the minute from funding my account I received another email from skrill stating that my account is been permanently closed. I have tried to contact skrill numerous occasions, I have sent over XXXX emails. I have also called many of times only to be hung up on, placed on hold for longer than an hour period of time, to be hung up on, also to having my number blocked so now I can no longer call skrill. I've also tried calling off of other people 's phones only to get transferred to be hung up on and then their number blocked from calling. I have asked many times why I'm unable to have my money out of my account that I transferred into the account only to be restricted and then now my account closed I have done nothing wrong to my fault and my money is being taken for me and held. I have gotten less than three responses back from Skrill stating that my account is being escalated, to it's being investigated for my complaint, and then now the last one that they can not provide me with any information at this time that they are further still looking into my case. My account is only open for a total of 3 days the first time I did any activity by transferring funds into my account from my other checking account from another bank they restricted my account and then XXXX hours later permanently closed it and now we're refusing to give me my money back I believe I'm being scammed I have gotten online and Googled this situation and there are thousands of people right now at this very moment going through the same thing with this company for the exact same thing has happened to them. I believe that this company is scamming people and taking their money and I need help to get my money back. I was told that I can withdraw my funds via bank account transfer or off my skrill card I have done both and they will not work it tells me that I have not been charged for this transaction but it can not be processed at this time. I've been ran around lie to and completely in my eyes disrespected and my money is just taken and I need help getting it back I'm providing a screenshots of the emails and the responses that I've gotten so far.
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: LEXISNEXIS (AZ)

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. 
Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX