davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
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: Experian Information Solutions Inc. (TX)

I questions as a duplicate report during the reporting in XXXX In XX/XX/XXXX I am showing that XXXX updated the account to reflect a past due that was XXXX they updated to XXXX past due. XXXX has not owned the loan since XXXX I would like to get this deleted from all agencies. This account is XXXX and closed and it has been 6 years since they have owned the account and the reporting has not been correct and the disputes are not corrected
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Consumer complaint received 2023-03-05
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 accounts below AND EXPERIAN CREDIT REPORTING has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

EXPERIAN HAS VIOLATED MY PRIVACY RIGHTS AND HAS IGNORED PREVIOUS FTC IDENTITY THEFT REQUESTS, I HAVE SUBMITTED ALL DOCUMENTS INCLUDING GOVERMENT ISSUED DTC REPORT AND COMPLAINTS. EXPERIAN IS NOT A COURT OF LAW, AND MUST HONOR ALL GOVERMENT DOCUMENTATION AS IT RELATES TO FRAUD ON CONSUMER ACCOUNT. 
ALSO, IF EXPERIAN CONTINUES TO REPORT ON ACCOUNTS I HAVE NOTIFIED THEM OF THAT IS FRAUD OR NOT MINE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I fell victim to an online scam orchestrated by an unlicensed brokerage company named " XXXX XXXX '' which is also a client of Bank of America, registered as XXXX. XXXX XXXX XXXX XXXX under the account number XXXX. When the scam took place, money was transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Bank of America itself. I have contacted BoA to initiate a recall request for all the transactions and explain to me why they did not have supervision of the account that is with their organization. XXXX regulations are applicable additionally in this case. My concern is that I have previously never made transactions in such an amount as well as never sent money to a crypto exchange platform of this individual. And the bank has not inquired more information nor doubted a very clear pattern showing I was being manipulated by a third party. Bank of America was very slow to respond to my inquiries and still have not responded to the claim for the transfer made to their organization.
Consumer complaint received 2024-07-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WI)

I was sent an electronic gift card from my uncle for XXXX in XXXX ( XX/XX/XXXX ) and I attempted to use it on XX/XX/XXXX to buy uniforms for my work from XXXX. It projected the payment saying that I didn't submit the security code but I did. I decided to instead use it for an XXXX purchase on XX/XX/XXXX. I attempted to use it exactly the way American Express describes on their site but it didn't work so I tried to use it on XXXX XX/XX/XXXX at XXXX XXXX it also didn't work. The card is an American Express electronic gift card for {$250.00}. I attempted to call various lines on XX/XX/XXXX and they just described how to use a card the same way the website does and still to no avail. So I came here as a last resort to try and get my money
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNCOAST CREDIT UNION (FL)

I opened an account with Suncoast Credit union over 2 months ago using their promotion, XXXXinahurry as well as being referred by a friend. I shouldve received XXXX $ for their promotion and XXXX $ in XXXX gift cards for the referral as I did everything correctly in their terms they put forward. After the allotted time had passed I and I still had not received the gift cards, I called the bank. I talked with multiple people over multiple occasions. Everybody seemed confused as I had done everything according to the terms and they werent sure why I wasnt getting gift cards. I kept being told to wait another couple weeks over and over. Finally today I called and said I wanted a resolution or I would contact the CFPB. I got a call back saying I had to go in to a branch to resolve this issue or I wouldnt get my gift card. I explained I lived an hour away from a branch and couldnt make it out there. They also gave me no guarantee I would get the gift cards if I were to go to the branch. My account has now been locked without any reason given to me. Please advise
Consumer complaint received 2024-06-07
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)

I was a victim again of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX 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 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
Consumer complaint received 2024-06-04
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. (MS)

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Please update the following account and paid, never late. 

XXXXXXXX XXXX Ending in XXXX Date of Late Payments- XXXX of XXXX XXXX, XXXX & XXXX of XXXX
Consumer complaint received 2024-07-07
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: VW Credit, Inc (AL)

From the start of the contract the information provided to the creditor was wrong. They had my name down as the person responsible for the contract but the vehicle did not belong to me. I was the co-signer. Once the car was repossessed I contacted the creditor ( vw ) to request information about the contract before the vehicle went up for auction. I gave them my correct contact information and even called a few times after speaking with them asking why I had not received any information about the vehicle and explained to them that under the laws in the state of Alabama I along with the original person who purchased the vehicle had the right to be contacted first to have a chance to buy back the vehicle in which vw failed to do so. I didn't receive anything from them until XXXX of XXXX XXXX about the vehicle at that point the vehicle had already been sold at auction. Now inaccurate reporting is being done on my credit report for this account. It says the account has been paid off at 100 % but still shows a high balance of XXXX. It does not show anything about the vehicle being sold or a new amount that's owed after the resale of the vehicle. My FCRA rights have been violated on so many levels from this account alone.
Consumer complaint received 2024-06-07
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: EQUIFAX, INC. (NY)

This compliants about inaccurate information being reported on my credit report. Under the law, a credit reporting agency must take action to verify information submitted as inaccurate. 

XXXX XXXX XXXX  Balance {$15000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-07-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Portfolio recovery is reporting negative information to my credit without authorization, without validation or verification of debt. Without consent ( there had been no new contract drawn up ). Information and break down of the money saying I owed and what is it for. A record of all book keeping information related to this account including XXXX XXXX. I am requesting documentary evidence on this entire account including before my personal information was sold. Portfolio Recovery is participating in fraud by using my name and likeness without consent. It is a federal crime to use extortion to compel someone to behave in a certain manner. I.e negative credit reporting in hopes of a payment.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (NJ)

I entered the parking lot of the TRUIST Bank Branch at XXXX XXXX XXXX XXXX in XXXX, XXXX, at approximately XXXX XXXX I had entered the parking lot to use the ATM machine which is located inside the building in a vestibule. My phone rang I had to take a call from my employer on the BLUETOOTH capability in my car.I was on the phone for a few minutes parked in the parking lot of the bank and I noticed through the rear view window of my car that there were bank employees looking out the drive through window of the bank and I could faintly hear voices. I was on a call so I could not hear what was being said by the bank employees through the intercom system where the drive through area is which i wasn't parked next to. I was concentrating on the conversation I was having with my employer. 
The bank employees came out of the bank and crossed over the parking lot I got out of my car and asked what the problem was because one of the employees was yelling at me that I was loitering. I responded that I was a bank patron going to use the ATM. I went up towards the car of one of the employees that was parked by mine and asked again what was the problem .They in turn said that they weren't permitted to leave the building if there was anybody in the parking lot.They said it was because of security reasons. I in turn responded that I was a patron of over XXXX yrs at this bank and had never been informed of this. 
I called the bank the next morning and asked for the Branch Manager and I got the women from the night before who said that it was a new policy and I asked how is a bank patron to be made aware of this. She said we would never b made aware of internal policies, I asked for a Regional Managers phone number she refused to give me. I don't appreciate the way I was spoken to by her or the employee that displayed a hostile tone with me and accusing me of loitering..
Consumer complaint received 2024-06-25
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One credit card and XXXX XXXX XXXX credit card pulled my credit on all 3 bureaus. 
XXXX, XXXX, XXXX. 
This happened over night at XXXX and XXXX. 
I did not request any credit to be pulled nor did I inquire about getting a credit card.

I currently do not have any open credit cards with these companies
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. The account numbers reported to XXXX, Experian and XXXX are not the same for ( XXXX XXXX XXXX XXXX ) The account number listed for XXXX is # XXXX, Experian is # XXXX and XXXX is # XXXX, ( XXXX is different ) XXXX is listing a Collection Account for ( XXXX  ) in the amount of {$210.00}, this account ( XXXX  ) is not listed on XXXX or Experian. 

There is an account ( XXXX XXXX  ) listed on XXXX in the amount of {$180.00}, the address listed is XXXX XXXX XXXX XXXX, MA XXXX the reporting date is XX/XX/year>. This account is listed on XXXX as ( XXXX XXXX ) the address listed is XXXX XXXX XXXX. XXXX, MA XXXX, and the reporting date is XX/XX/year>, in the amount of {$180.00}, this account ( XXXX  XXXX ) or ( XXXX XXXX ) is not listed on Experian.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

To who it may concern, I am writing to dispute incorrect late payment information from XXXX XXXX XXXX that is showing on my credit report. Specifically, my account status is listed as current, yet the payment history shows a payment that is 30-59 days late. This contradicts the account status and is negatively impacting my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation when consumers dispute information on their reports. I am requesting that you immediately investigate this inaccurate late payment posting and delete it from my credit report. 

This erroneous information is damaging my ability to obtain credit and financing. Despite my account with XXXX XXXX XXXX being current, the incorrect late payment history you are reporting has lowered my credit score significantly. I have suffered financial distress due to decreased credit opportunities as a result of this inaccurate information. 

To summarize, I am disputing the 30-59 day late payment you have on file from XXXX XXXX XXXX and demanding that you remove this incorrect payment status immediately. Please conduct your investigation and rectify this issue as soon as possible in accordance with FCRA guidelines so that my credit report properly reflects the true status of my account. 

Please let me know when you have completed investigating and resolved this inaccurate information on my credit file. I appreciate your time and cooperation in ensuring the responsible reporting of my credit history. Yo Enclosures : [ ITEM SHOWING CURRENT PAYMENT STATUS YET COMMENT 30-59 DAYS LATE ]
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-07-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. The account details are as stated : Jefferson Capitol System Originally : XXXX XXXX is no longer in Business.
Consumer complaint received 2024-06-07
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: EQUIFAX, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$94.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX  Balance Owed : {$700.00} XXXX XXXXXXXX XXXX Balance Owed : {$6100.00}
Consumer complaint received 2024-06-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

On XX/XX/year>2024 I sent Select Portfolio Servicing a QWR request per respa which I have attached. SPS was my servicer before they transferred the servicing rights. They haven't answered my request for information. They received the QWR on XX/XX/scrub> 2024. I need the information requested and have attached the letter I sent.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

I was XXXX for my bankruptcy XXXX  XXXX in XX/XX/2019. My bankruptcy is being reported without my permission " Permissible Purpose '' 15USC 1681b ( a ) ( 1 ) ( 2 ) : Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

No written instructions were given/submitted to anyone. My bankruptcy should not be on my consumer report with XXXX, XXXX, and XXXX. This violates my consumer rights and should be removed immediately. I have reached out to the bankruptcy court ( see attachment ) they have confirmed that they do not report/verify bankruptcies to the credit bureaus. 

I have included communications from LexisNexis  who have been reporting to XXXX about my bankruptcy without my permission. As you see in the attached correspondences that their customers which include companies in various industries such as financial services, insurance, government and healthcare have a permissible purpose to access my information. this is a direct violation to my consumer rights.
Consumer complaint received 2024-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (GA)

Up until last week I've never had an issue withdrawing money from venmo. However last week it would not allow me to withdraw to my bank account. So I purchased XXXX and transferred it to an external wallet last week. Today on Sunday XX/XX/year>, my sister sent me {$100.00} on venmo. Instead of trying to transfer to my bank account, since it wouldn't last week, I purchased XXXX to send to an external wallet again. This time I received a message saying could not process transaction at this moment. Spoke with tech support and they said my transaction has been flagged but could not provide me any details on why it had been flagged. The support member advised me to sell my XXXX and transfer it to the mother company PayPal. I took his advice and sold my XXXX for a fee charged by venmo. Now I can not access any funds until XX/XX/year>, a XXXX review has been placed on my account. I follow the instructions of venmo customer service support, was charged a fee by Venmo to sell my XXXX, and now venmo has placed a XXXX review on my account not allowing me access to my funds.