davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (NY)

I previously disputed BOTH accounts with Discover XXXX & XXXX. I let them know these account was not reporting accurately. According to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. I requested a 1099-C ( Cancellation of Debt ) from DISCOVER in regards to the following charged off accounts. DISCOVER received a corresponding tax deduction for the uncollected amount associated with these charge-offs and I had to file the balance of {$4400.00} & {$1300.00} as income on my taxes! These accounts can no longer be reported to my credit report. Not only does this violate my rights per the FCRA, this is also tax fraud on XXXX Part. Delete this account from my credit report immediately for inaccuracy!
Consumer complaint received 2024-06-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (AZ)

In XX/XX/year> I was made aware of a past due account at XXXX XXXX XXXX after I received a phone call from them. Since I have never opened an account or purchased anything from XXXX XXXX XXXX, I was transferred to their fraud department where they filed a claim and said they would close the account and get back to me once a resolution was reached. 

Fast forward a few months to XX/XX/year> and I have a new collections account from Sunrise Credit Service who purchased the past due fraudulent account. I'm not sure why XXXX XXXX XXXX sold this debt after I made a fraud report or why Sunrise didn't verify the debt was valid before purchasing, but I'm trying to buy a home soon and want this gone ASAP.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (IL)

Ive been getting unknown calls for months and noticed on my credit that my score went down and Im not aware of why it was. So I did my research and noticed multiple cards in my name and I didnt open any accounts up.
Consumer complaint received 2024-06-14
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: CITIBANK, N.A. (AR)

On XXXX I was sent a text message from XXXX ( XXXX ) XXXX that said, " Purchase of {$520.00} was attempted at XXXX, XXXX on your CitiAccount. If this was you, no action needed. If not, XXXX. '' I immediately called the number as I was traveling across the US and had been using my card at hotels and gas stations along the way and thought it was from that. 

The person answered ( XXXX ), and he sounded like a typical call center agent from XXXX. He said that my card had XXXX charges including a XXXX XXXX ticket for {$1000.00} ( not exact ), a game company XXXX? that had a {$500.00} ( also not exact ) plus XXXX other charges ( I can not exactly remember them ). He asked me if they were my charges. I said no. He then requested me to verify : 1. My address, 2. The last XXXX numbers of my credit card, and 3. The last 4 of my SSN. 

I provided all this information. He then said he would reverse the charges and put a security hold on my card. He then offered to close my card and send me a new one. For some reason, I apologized and said that I preferred to call back to get that done. 

When I called the credit card company, they shared that I had no " fraudulant '' charges on my account and none had been flagged NOR had they called me. They suggested I contact FTC.gov to report this transaction ( since my SSN had been partially shared ), and I did close my credit card with that account.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Good evening, Today I reviewed my checking banking account at Fifth Third Bank, XXXX XXXX XXXX XXXX, XXXX. And I found numerous fraud charges on my checking account. 


I spoke to the bank XXXX, and told him of my concerns regarding the fraud charges and he gave little to no advice on how to keep my account safe in the future from fraud charges. He also refused to give me information on what state oversight and federal oversight agencies that I could contact to gain assistance. 

I have been a victim of ongoing wire/bank fraud of my bank accounts XXXX XXXX XXXX XXXX , XXXX XXXX , Fifth ThirXXXX XXXX XXXX XXXX, XXXX accounts which I suspect is being done by my ex husband of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and his attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during my long standing divorce that lasted XXXX year

s and ended on XXXX XXXX, 2024.

The XXXX Fraud charges are as follows. 
XXXX XXXX for the amount of {$17.00}. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am requesting a full investigation by as this is a serious matter and for charges to be pursued against the person who is fraudulently charging my checking account with fifth third bank. 



XXXX XXXX
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX I had {$2300.00} roughly deposited into my VINMO account I have no debit card linked to that account so I tried to link XXXX of my other accounts to it with no progress later that evening a friend of mine came over with a venmo account I tried to transfer some of my funds to him they blocked the oil transfers and then suspended my account later that evening I got an email stating this suspension and how to resolve it I did all that they asked me and still not unsuspended all the XXXX is somebody will get in touch with me through email there's no number for me to call them directly
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Dear XXXX XXXX XXXX XXXX Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus. 

It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. 

I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Glass Mountain Capital, LLC (NY)

On XX/XX/XXXX, I received a letter from Debt collection agency Glass Mountain Capital trying to collect a debt in the amount of {$910.00} from original creditor XXXX XXXXXXXX XXXX who owns XXXX XXXX XXXX 
I am not disputing that I ever owned a credit card through XXXX XXXXXXXX XXXX  in the form of a XXXX XXXX XXXX I did back in XXXX with an initial credit line of {$3000.00}. However, months later and even though I had a good credit and payment history with them they lowered my credit limit to {$500.00} without notice or reason. 
This caused a dramatic drop in my credit score so because of this I no longer wanted to keep this credit card and called customer service to have them immediately close the account. I did have a small balance and within months it was paid in full. 
At which point I considered this account closed completely since I had no balance and even received a XXXX balance letter which I requested. 
Now here we are over 3 years later, I received this debt collection notice in the amount of {$910.00} from this same credit card company XXXX XXXXXXXX XXXX  the servicer of XXXX. I am currently a victim of identity theft which has been verified by almost every creditor that has been made aware and I have tried to fix this with XXXX by submitting a complaint about this. 
First, I would never reopen a new credit line with them especially after I was dissatisfied with the way they handled my previous account. I wanted nothing to do with this company once I closed the initial credit card account and paid in full. 
XXXX allowed someone posing as myself to reopen a line of credit in my name using my personal information and I have asked them to please recognize this as fraud since my identity has been used this way several times with other companies. 
I currently have fraud alerts placed on my credit report and have an inquiry made to my local police department. 
I am not responsible for this account in question and any other fraudulently obtained accounts. 
Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (CA)

account XXXX XXXX Description of complaint : First and foremost : cash app support agents use the following script when they want to evade from helping you because they are not in compliance with federal guidelines and cant incriminate themselves by answering the question ( terrible business practice ). If my issue is not resolved immediately I am going to have my neighbor open class action for this which is specialty. I switched my business account into a personal account the day after it was modified from personal to business.. I selected the option to switch to personal account that same day and went through the notions. This showed me that my account was once again personal as it was only used to make personal transactions. I have received tax papers reflecting that they had this still in the business name and not my personal name. I called in to get this amended for tax liability and by law they must so I can file the correct taxes for these payments. IN ADDITION I GOT CHARGES 2.75 % on XXXX in transactions give or take.These would not be applied if they honored the request and had switched it as described in the app and confirmed. This needs to be fixed amended return must be given personal and the fees for XXXX must be returned to me.
Consumer complaint received 2024-05-08
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: EQUIFAX, INC. (TX)

on XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of thewrongperson.|
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: U.S. BANCORP (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my US BK HM MTG - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Larry H. Miller Group of Companies (NC)

On XX/XX/XXXX Prestige Financial in XXXX XXXX XXXX, Utah, told me in email that unless the past due balance on my loan was paid the vehicle would go to loss mitigation. I was told the vehicle would be repossessed involuntarily. On XX/XX/XXXX XXXX Prestige Financial in email after being asked if XXXX, my normal monthly payment was made, if the vehicle would be repossessed or go to loss mitigation, they, Prestige said it would not. 
I sent a reply via email on XX/XX/XXXX stating that there were two different statements, the one from XX/XX/XXXX saying if the normal payment was made, the vehicle would not go to loss mitigation and the one on XXXX stating it would. At least two more times on XX/XX/XXXX in a series of email responses I was misled, being told the XXXX email was correct, then subsequently in the same conversation being told if XXXX was made as a payment it would not go to loss mitigation. There has been a history of accepting different payment amounts, threatening loss mitigation, then saying it will not go, today on more than two occasion Prestige has directly contradicted their own statements on loss mitigation and re possession.
Consumer complaint received 2024-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (DC)

I have not completed my education, I am still enrolled and taking classes. The last class I took was finished in XXXX. To my knowledge and understanding of the law, student loan servicers are not permitted to request payments or charge interest on payments until XXXX months after the student has been out of classes. However, I am continuing to be harassed by nelnet claiming I owe money. I have spent over XXXX hours of personal time attempting to contact them and I have yet to speak to a human on the phone. I have sent multiple emails and submitted multiple deferment requests, all of which are being ignored. Meanwhile they continue to charge me, email me and call me with automated messages telling me I owe them increasing amounts of money.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

Per the FCRA as a Federally protected consumer. I am now opting out, of any and all authorization. 
I the consumer may have given you written, unwritten, verbal, non verbal per 15 U.S.C 6802, 6805 and Privacy act of 1974, 16 CFR 313.7, 16 CFR 433.1, 16 CFR 433.2, 16 CFR 433.3, 5 USC 522a I would like to be opted out of these account on my credit report Wellsfargo account number XXXX
Consumer complaint received 2024-08-01
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. (MD)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. 
These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

XXXX, XXXX XXXX CREAT REPORTED REFUSE MAKES NESSARY CHANGES DONE ON MY CREDIT REPORT .EFFECT SCORES RATIN HAD. DECREASED HORRIBLY. Denied FOR ANY LINE CREDIT.XXXX COMPlAINTS CFBP ( .1 ) COMPLAINT NOCHANGES. 2 NOCHANGES SHOWN.WHILE MAKE ON TIME PAYMENTS. CONNECTS credit bureau devices BANK CARD.

REPORTING HAS GOTTEN WORSE? Questions is it done PURPOSE du prior complaints GLANCING in. SYSTEM l AM. XXXX XXXX XXXX UNITED STATES VETERAN, WHOM FOUGHT FOR OUR Country BESIDES ONCE WERE EMPLO besides. RETRIED VETERANS AFFAIRS REFUSED FOR HOME LOAN. I HAVE PAID COMPANIES CALLED XXXX, XXXX XXXX XXXX XXXX XXXX WHOM BOTH states CREDIT BUEAU COMPANIES. COMPANIES REPORT information these comp has listed on my credit report don't match.consumers incorrectly XXXX Equifax XXXX request information When you provide these companies information. still no charges done on my file. 
This matter has gotten bad. Veterans affairs. Decide resents send letters contacted Government. Due to me once was veteran entire life given fighting for our country refused credit due to reports record government requirements listed score has reached XXXX better My scores barely report XXXX l have applied XXXX denied barely move into apartment. I no there is mistakes done on my credit report what happened to FRA. Does it resist .l have ran disputes to credit bureau when ever decision. Made the account be removed out nowhere shown account was replaced. Showin twice. Including these collections complanies who also trying to collect. government has sent letters out to my behalf these companies requesting STOP reporting. Info how to Handle situation. Judge signing off on it. Decision. What reason for fraud alerts nor disputes? Thur to later decision has been changed. Notice company called XXXX XXXX. This account was placed XXXX. Showin correcty no late payments .the account was settled payoff. Earlier then request .credit report companies has it showin reporting. Late. Due to co-signer. Investi matter. My account was changed without me bein contact.. Now Shown on my XX/XX/XXXX. Notice before this account was bein report but wasn't graded correctly? No late payments on time .also company Called XXXX XXXX XXXX XXXX. This account XXXX. Years no late payments made on time. instead it reported grade it report late errors XXXX. This account l have documents. Company provided stated only tif error shown due to murchandie. Bein paid off my account refinancing Company 's called ( web bank ) listed two three times shown on my credit report including collections. I have police report. This is not my account. companies stated the incorrect information provided credit bureau provided to them only information they have other wise they don't have accurate information. Shown on my account
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report.

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future.

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

I needed a roof in 2022 because my insurance company said they were going to drop me. So I took out a loan and put the roof on myself. After that my monthly mortgage and my insurance payment doubled in price. I have reached out to my mortgage provider Mr. Cooper about this and they are telling me it is the insurance company 's fault and they can not help. I am am XXXX Veteran of over XXXX  years and I have a XXXX  % XXXX. I need help. Please and thank you.