davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), there is a necessity to ensure that consumer reporting agencies carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information is not shared, supported by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The furnisher of information to credit agencies is considered a financial institution under this title. 
15 USC 1681 section 604 ( a ) ( 2 ) states, " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The furnisher of information to credit agencies, XXXX, and XXXX do not have my consent to furnish this information, nor do they have my written consent. Any and all consent given to XXXX, XXXX, or the furnisher of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is revoked. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option. 
Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' This account is an adverse item being reported without my permission, which is against the law. According to 15 USC 1681s-2 ( A ) ( 1 ) ( A ), " 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. '' Furthermore, 15 USC 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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.

has violated my rights. Or a 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 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), there is a necessity to ensure that consumer reporting agencies carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information is not shared, supported by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The furnisher of information to credit agencies is considered a financial institution under this title.

15 USC 1681 section 604 ( a ) ( 2 ) states, " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The furnisher of information to credit agencies, XXXX, and XXXX do not have my consent to furnish this information, nor do they have my written consent. Any and all consent given to XXXX, XXXX, or the furnisher of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is revoked. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option.

Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' This account is an adverse item being reported without my permission, which is against the law. According to 15 USC 1681s-2 ( A ) ( 1 ) ( A ), " 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. '' Furthermore, 15 USC 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-07-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc. ()

Hello, I live in XXXX and found out about the Blockchain.com company. I am a verified user of the blockchain company account. I started investing the money I saved in XXXX from my salary every month. Everything was fine. My total account balance was XXXX. And on XX/XX/XXXX at XXXX XXXX I received a message from the support of this company that in connection with my activity on the account on the BlockchainXXXX .I I need to provide additional documents for verification XXXX more time. If I dont do this within XXXX hours, the account on the BlockchainXXXX will be blocked. I asked what documents and where to send several times. But there was no answer. Then I thought that since I dont have the information where to send documents and to someone I wont be able to withdraw my money. I changed the XXXX in the amount of about XXXX and tried to withdraw it to my bank account. But the money did not come to my account. I am writing to the support on the blockchain but there is no solution or normal answer. I am not I was notified that I would not be able to withdraw even my small funds in the amount of XXXX. I have no information. XXXX is a large amount for me and my family. I can not contact and solve this problem. The support work is bad and I am still left without my savings. I believed in this company that it is serious. I pay them commissions. Is this kind of attitude towards clients normal? I was left without my money and without information on how to solve this problem. They created stress for me my money. now I dont have my money but only headaches.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT CONCEPTS, INC. (WA)

Per the XXXX as a federally protected consumer I am no opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non- verbal per 15 USC 6802. I'm exercising my rights to Opt Out from consumer reporting. I've attempted to and was denied my federally protected rights per the Privacy Act of 1974. See attachment for further details on the creditor and account details.
Consumer complaint received 2022-01-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (IN)

This company has tried to collect a debt that I did not open. They have failed to provide me proof that this debt is mine therefore committing fraud. I am prepared to take all legal action against this company and hold them accountable for falsely hurting my credit and threatening to sue without legally providing me info that I have requested in a timely manner.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a Capitol one XXXX XXXX XXXX XXXX XXXX. All of a sudden I receive a charge for {$85.00}, charged to that credit card. I simply proceeded to pay it, because they claim that there was involved a late fee charge. 
T original charge was XXXX dollars plus {$29.00} late fee, and also an interest charge of {$1.00}. 
When I realized that I didn't authorized the charge, then I call to claim, and the person that I speak with, just gave me pointless justifications. I ask him to allow me to speak to a supervisor, and he refuse to do so. 
Button line, I never authorize this charges, I was charged late fee, and interest, on something that was an agreement between Capital One, and XXXX 's credit card, without my consent.
Consumer complaint received 2024-06-22
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: DIRECMANAGEMENT, INC. (AL)

I have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that DIREC MGMT is alleging that I owed an amount of {$9100.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and DIREC MGMT has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and DIREC MGMT failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. I was also threatened that my credit would be ruined if I did not pay off this debt after my most recent attempts to collect data from said account investigations.
Consumer complaint received 2024-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DIRECMANAGEMENT, INC. (AL)

I have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that XXXX XXXX is alleging that I owed an amount of {$9100.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and XXXX XXXX has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and XXXX XXXX failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. I was also threatened that my credit would be ruined if I did not pay off this debt after my most recent attempts to collect data from said account investigations.
Consumer complaint received 2024-06-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I never had any debit with this company. They are reporting to my credit report XXXX and XXXX and XXXX in accurate and false statement and debt and late payments with this company that I never had any business with Jefferson Capital System They have put it in my credit report XXXX and XXXX and XXXX inaccurate information that I owed them a debit I never had with this company. They inaccurate say I have a debt and late payments with this company and I do not know them. 
I never sign or have any business with this company Jefferson Capital System. 
This false inaccurate information that is entered in my credit report XXXX and XXXX and XXXX is causing me not to be able to obtain credit auto loans ECT I demand under USC 1692 C that they remove their company Jefferson Capital System from my credit report with XXXX and XXXX and XXXX immediately.
Consumer complaint received 2024-07-14
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (TN)

I attended school at XXXXXXXX XXXX  in XXXX, Tennessee in XXXX  I began having XXXX and other XXXX XXXX XXXX XXXX XXXX XXXX. XXXX weeks after the beginning of that semester, I contacted the office to let them know I was going to have to unenroll due to the health conditions that I was experiencing. The office took several weeks to get everything together. A few months afterward, I received a phone call from a debt collection company, XXXX and XXXX. The person that I spoke with told me they were representing XXXX XXXX  and were looking for repayment of the student debt. I told this person that I was unable to pay anything on this account because I am a XXXX individual who receives Social Security and SSI. I do not even get {$1000.00} a month. The person that I was talking to began asking me to take another loan or ask a family member to either pay or loan me the money to pay the account. I found this very rude and inconsiderate and hung up. However, they are continuing to call.
Consumer complaint received 2024-07-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MD)

My student loan was sold from XXXX XXXX to Firstmark. I was told nothing would change. However, it has now been noted that was supposed to take 7 years to pay will now take XXXX, on an approximate {$7000.00} student loan. The interest rate is now variable. The amount of the payment has gone up and even with paying extra every month pretty much nothing goes to principal. I understand its a business, but thats predatory. Ive asked about the original loan paperwork and have heard nothing. Reached out to XXXX XXXX, but they no longer have anything since that service is long gone and my loan is from 2010. When I try to get more information and work with them they say you can only refinance, which is crazy since the balance is about {$2000.00} more than the original, or go on deferment where interest is still being charged with that variable interest.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (GA)

I was a victim to parental abuse, she used my social to open various accounts. This has been documented and reported. I have provided the SELFFINACIAL/LEAD BANK with a copy report from identity theft gov and asked that both accounts be removed because they are not mine. I initially reported the first account on XX/XX/2024 Sbnaselflndr and the other account XX/XX/2024 SELF FINACIAL.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NC)

I pulled a copy of my credit report and noticed a fraudulent account. XXXX XXXX XXXX XXXX XXXXXXXX XXXX CITICARDS XXXX XXXXXXXX XXXX XXXX XXXX XXXX theft happened. Remove account. The FTC said I had the right to dispute this account. I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) These fraudulent accounts were not authorized by me. I REPORTED IDENTITY THEFT AND FILED A POLICE REPORT YEARS AGO REGARDING THIS MATTER AND IT IS STILL HURTING MY CREDIT. I DID NOT OPEN THESE ACCOUNTS.
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (MI)

During the XXXX Pandemic I did not take XXXX dollar of unemployment or XXXX  funding . The account in question has been on my credit report longer than legally required. In addition, I should have never had any late payments showing during the XXXX timeline. Since this account is paid in full, I respectfully request as a professional courtesy the deletion of the account permanently. 
XXXX XXXX
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

This is what is sent to PayPal 's On XX/XX/2024 I sent money and it went to the wrong person for {$1600.00}. Transaction number XXXX and I caught it within XXXX hour and called XXXX XXXX number and was told their nothing they could do and I would have to contact my bank to stop payment. I contacted my bank and was told under fed law they couldnt stop a payment to PayPals. I had my banker on a XXXX way call with your company and there was nothing the front line person would help, my banker explain the fed law and she didnt know anything and didnt care when we asked for a supervisor. I dont understand why you can go to your customer and request the funds back. I have tried to call the person and they will not return my call. I can not afford to lose {$1600.00} and I dont want to get attorneys, Banking Commission and or my congressman involved. I sure Im not the XXXX  person that this has happen to and would like a better explanation and a solution on getting my money back.
Consumer complaint received 2024-07-10
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: Paypal Holdings, Inc (UT)

I have had a dispute open for more than 3 months now. It has been escalated for 94 days, on XX/XX/year>. I have had several Venmo support agents tell me I would be emailed from the Account Specialist team at Venmo in XXXX hours several times. I have not received any email about this since XX/XX/year> and XX/XX/year> that stated they reached out for a response from the merchant, and then that they received a response from the merchant. The merchant I disputed, Amazon, emailed XX/XX/year> me saying they responded and that they approved the dispute refund and responded to the Venmo dispute. It has also been more than 50 days since I received an update from Venmo telling me the seller responded. Which they said was the timeline for the dispute. Then I asked a few weeks later and they said there would be another wait with no date given. I just talked to them again on XX/XX/year> and they said now its in " pre-arbitration '' which is yet ANOTHER 50 day timeline that the seller has to respond AGAIN. venmo support also suddenly told me they havent gotten any responses from them AT ALL. which is contradictory to what they told me multiple times before, as well as multiple other inconsistencies and lack of communication.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CO)

" I discovered I was charged an annual membership fee of {$99.00} when I checked my XXXX statement. 

This is for a Citi XXXX XXXX  credit card that I haven't used since XX/XX/XXXX. I called them to ask for a refund since I haven't been using the card and to cancel this card. 

The XXXX operator was friendly and let me know that I could reverse the fee up to XXXX  days after it was charged. The fee was charged on XX/XX/XXXX and paid on XX/XX/XXXX. 

The XXXX operator refused to reverse the charge. Instead they kept telling me the benefits of the card and telling me to keep it so I could get the value that I paid for. 

This feels predatory. I'm being charged for something I clearly don't use and don't want to have. Instead of helping me they tried to convince me to keep it which is what got me into this mess when I didn't cancel after paying last year. ''