davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (VA)

I received a settlement check from a class action lawsuit XXXX v. CoreLogic Credco LLC ( case no. XXXX ) and wanted to know if the check was valid or not. I called the XXXX number on the letter and spoke to a customer service representative, but she wanted my personal information to verify if I was affected by this lawsuit. I wanted to check here first in case it was fraudulent.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-12
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. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

A company XXXX  XXXX made an unanuthorized charged to my citi bank checking account # XXXX for {$140.00} on XX/XX/2024. I called the bank to dispute the charge. The cust serv rep told me that a stop paymet was issued and that I will receive a credit for the {$140.00} in 3 days ( XX/XX/2024 ). So I waited. 
On XX/XX/XXXX I called the bank again and I was told that the credit will be posted on the account that same day durinh the day. But the credit did not show up on my account so I called the bank again on XX/XX/2024. This time I spoke with a supervisor whom explained to me that the credit requested on XX/XX/XXXX was for {$140.00} and not for {$140.00} and because that mistake ( yes XXXX ) I will have to wait until XX/XX/2024 to receive the credit. And she also placed a revoke so bankcard can't charge me any more. 

Today, XX/XX/XXXX I checked my account and still no credit for {$140.00} was posted. 
So I called the bank again. Asked for a supervisor. Waited 1 hour and 4 minutes. The supervisor didn't listen and yell at me instead. So I called again and another cust serv rep explained that no one put a dispute on the unauthorized transsaction so that's why a never got a credit XXXX so did the other supervisor lied to me? Because this is a different story. So I was transfered to another supervisor and she told me that I need to wait another 45 days XXXX And I said this is not helping.
Consumer complaint received 2024-06-15
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (NY)

I got a letter from some company saying I owe them {$650.00}, not only is this fraud and I dont owe this but the letter in the mail i got from the collector he acknowledges that the time period has expired to legally come after me tor the money but that hes going to anyway and also hurt My credit. Ill attach picture so you can read what i received.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (TX)

Here is my original complaint : XX/XX/year> I tried to access my XXXX. It is with Optum Bank. I was on the phone with their XXXX " customer service '' for nearly an hour. After repeating myself several times, I finally got a " supervisor '' who asked the same XXXX questions, even after I told him repeatedly the answers. He was going to send me an email to access my account, but " his back-office was down ''. My login and my password is saved in my computer, but the next screen is a VAGUE challenge question that I have never seen. REPEATEDLY TOLD BOTH " CUSTOMER SERVICE '' REPS THIS. Now after reading XXXX of horrible reviews on line, I find out that they are likely charging me a service fee each month on an account I can't even access. Your next page asks for an account number ( on a billing statement ). I HAVE NEVER RECEIVED A BILLING STATEMENT!!!!!! 

After over XXXX hours in phone calls and email exchanges, NOTHING IS FIXED. They repeatedly lied in writing ( via emails ) and they lied in their response to my origial complaint wth you. NOTHING IS FIXED AND THEY DON'T CARE BECAUSE NO ONE MAKES THEM CARE!!
Consumer complaint received 2023-05-22
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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management and XXXX XXXX  have re-added to my XX/XX/XXXX XXXX and XXXX credit report after removing the credit line due to fraud in XX/XX/XXXX when I supplied police report and documentation in XX/XX/XXXX. My score dropped over a XXXX points and Ive disputed this again but every XXXX or XXXX  years they sell my information from this XXXX and XXXX accounts and re-add it to my credit reports after Ive supplied proof of these accounts not being mines but fraudulent accounts repeatedly.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CADENCE BANK (AL)

Around XX/XX/XXXX, my bank account was compromised by a hacker. The hacker overdrew my accounts by roughly {$16000.00}.

I reported the issue on XX/XX/XXXX to my bank, Cadence. Cadence promptly locked my accounts and began an investigation. Online access to my accounts was suspended and the only way funds could be withdrawn was from a branch.

After the accounts were allegedly frozen, the hacker was able to overdraw another account by roughly {$9000.00}. Again, this activity occurred after the accounts should have been frozen.

While Cadence refunded the original {$16000.00}, Cadence Fraud Dept stated the subsequent activity that led to an additional {$9000.00} being removed was not fraud and that I was responsible.

The account with that was overdrawn by {$9000.00} originally had a balance of {$30.00} and should have been frozen like the other accounts.

Cadence took money from another account to cover the {$9000.00} Overdraft.

My complaint is two fold : - Cadence should not have allowed the account that had a balance of {$30.00} to be overdrawn by {$9000.00} when I notified them of fraudulent activity.

- Cadence Bank should not take money out of my accounts for fraudulent activity. This is especially egregious since there was a freeze was in place and they were aware of the account compromise.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (CA)

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


I have spoken with all three agencies, XXXX, XXXX, and XXXX and asked for an investigation and reported that these accounts contain -fraudulent activity : 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 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

Dear Jefferson Capital Systems, I am writing to formally notify you that the account referenced under my name was opened fraudulently as a result of identity theft. I demand that you cease and desist all collection activities related to this account immediately. Additionally, please remove any negative information related to this account from my credit reports. Failure to comply will result in further legal action. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-05
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. (CA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my right federally protected rights to privacy and confidentiality under U.S.C 1681. 
XXXX XXXX acct : # XXXX and XXXX  acct : # XXXX and XXXX acct XXXX # XXXX. 

15 U.S.C 1681 Section 602 A States i have 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.
Consumer complaint received 2024-06-12
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)

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, has violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account with out 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- ( 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 2024-06-09
Product: Credit card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: GOLDMAN SACHS BANK USA (MA)

Apple and is just being impossible letting me use my card for no reason but let someone else lie say they whered my child and apple let them run up a bill with card I reported everything even police report and everything and even took kid to court he was found guilty anpplill. O XXXX my card or usage back
Consumer complaint received 2023-05-14
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. (SC)

In accordance with the Fair Credit Reporting Act, 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 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health
Consumer complaint received 2024-05-21
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to express my profound dissatisfaction with the delayed removal of fraudulent items from my credit report and the multiple unsuccessful attempts to rectify this issue. I consider the handling of this matter unacceptable and am compelled to bring it to your attention formally. Regrettably, these fraudulent items persist on my credit report. Despite repeated attempts to rectify the situation, the issue remains unresolved, causing significant distress and concern on my part. 

I understand the importance of maintaining the accuracy of credit reports and the urgency of addressing fraudulent activities. The prolonged delay and multiple failed attempts to resolve this matter are not only frustrating but also damaging to my financial standing. In light of the gravity of the situation, I insist on an immediate and thorough investigation into the reasons for the delays and the failed attempts to remove the fraudulent items. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent such lapses in the future. I trust that you would help me take the necessary steps to rectify this situation and prevent similar occurrences in the future. Please help me remove these items 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 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to follow up and to express my profound frustration and concern regarding the persistent presence of fraudulent items on my credit file, despite multiple attempts to rectify the situation. This ongoing issue not only poses a severe threat to my financial stability but also raises urgent security concerns. I urgently seek your assistance in resolving this matter.

I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes.

Fast-track removal of the fraudulent items from my credit file to prevent further financial and security risks. 
Transparent communication outlining the resolution process and the steps taken to address this matter urgently. 
Attached, please find copies of the supporting documentation, including [ list the documents attached, such as police reports, identity theft affidavits, etc. ], for your reference during the expedited investigation. 

I emphasize the critical nature of this matter and the immediate impact it has on both my financial well-being and personal security. I rely on the accuracy and security of my credit file, and it is imperative that these fraudulent items are promptly and definitively addressed. Please help me remove these items immediately : 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 XXXXXX/XX/2023.
Consumer complaint received 2024-06-07
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: Paypal Holdings, Inc (TX)

Subject : Legal action against Venmo for unjust account freezing. 
Details : Account frozen on without notice or valid explanation. 
Compliance with all Venmo rules and regulations. 
Multiple unsuccessful attempts to resolve the issue through customer service. 
Consequences : Eviction notice due to unpaid rent. 
Accumulation of late fees on various bills. 
Significant personal and professional disruption. 
Legal Violations : Violation of consumer rights. 
Illegal seizure of property by restricting access to lawfully acquired funds. 
Demands : Immediate reinstatement of account access. 
Compensation for financial damages. 
Resolution within [ specified timeframe, e.g., 7 days ]. 
Potential Actions if Unresolved : Complaint to the Consumer Financial Protection Bureau ( CFPB ). 
Lawsuit for damages and punitive damages. 
Expectation : Prompt action and detailed explanation from Venmo to prevent future occurrences.
Consumer complaint received 2024-05-21
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. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section XXXX A. States I have the right to privacy. 

15U.S.C 1681 Section XXXX A. Section XXXX : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) XXXXection States : no consumer reporting agency 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 antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Kohls credit card The protected balance variable interest rate increases each time there is an increase in purchase variable interest rate. I have two balances on my credit card statements from Kohls one is the purchase balance that one is subject to variable interest rate changes. The other balance is a protected balance that should not be subject to variable interest rate increases. The issue I am experiencing is that each time my purchase variable interest rate increases the exact amount of increase also happens to my protected, balance, variable interest rate. 
I only have access to my XXXX statements and have provided the information below, and also followed up with an email with pictures of the statements. But this issue has been happening since I received a protected balance, variable interest rate, and it has been increasing each time I purchase APR increases. Ive been trying to get help over the phone about this problem they will not help me over the phone. They said I need to mail a letter or pay off the balance to stop the increase of rate on the protected balance.

Statement : XX/XX/XXXX Purchase rate 28.99 % Protected balance rate 27.99 % Statement : XX/XX/XXXX Purchase rate 30.24 % Protected balance rate 29.24 %