davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello, my name XXXX and I am calling because I was wondering why these fraudulent accounts are still showing up on my credit report. I already went through the dispute process and sent in all documents necessary 30 days ago. I sent in my ID, social, Identity Theft Report, I am wondering why it is still not off my report, can you remove it off my report completely /. I am asking to provided information if not please delete wrong information.
Consumer complaint received 2023-10-11
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: DISCOVER BANK (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the XXXX financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-02-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Guild Holdings Company (MA)

At the start of the year both my wife and I experienced losses in wages that by summer it was making the mortgage payment difficult. We contacted Guild before summer and were instructed to miss 90 days of payments in order to get into a program. By XXXX XXXX we started the process of getting into the program. Guild gave us a list of every bit of financial information they needed and we passed it along. Every couple of weeks I'd get a call that we're missing some paperwork or they couldn't read a signature and the process was drug out until the end of XXXX. So now that they finally have everything they need they can get us into a program. Problem is that since it took so long to complete the process the best program we qualify for requires us to pay {$7000.00} a month for XXXX months whereas our regular payment is {$3200.00}. I feel they knowingly made this process take so long in order for us default on our loan. If it wasn't for the VA halting foreclosures we may have already lost our house.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

I applied for credit on XX/XX/year> and was denied. I called the reconsideration line and informed them of the following : In the indentured agreement it states The Security Interest in the Collateral is granted to secure the Note Their definition of Collateral All accounts, instruments, documents etc. ( Our application with signature is the Collateral ). 
I have then requested this matter is resolved by providing me with open end credit which they have declined to do so. 

I then informed American Express of the following : I, the consumer and natural person, was denied credit by American Express when I applied for an American Express XXXX Card. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by American Express due to the response I received. 

American Express is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express If American Express fails to make any reasonable procedures and to resolve this matter and compensate me for the use of my credit card I will indeed make American Express criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (NJ)

I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I want to stress that this account is not mine, and I have no knowledge of its existence. Despite this, it is negatively affecting my creditworthiness, which could have serious implications for my financial future. 

I have taken the necessary steps to address this issue by contacting both the credit bureaus and LVNV FUNDING LLC directly to dispute the accuracy of this information. However, the erroneous reporting persists, and it is impacting my ability to access credit on fair terms. 

I hereby request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to rectify the inaccurate reporting by LVNV FUNDING LLC. I also request that LVNV FUNDING LLC provide proof of the validity of this account and remove it from my credit report if they are unable to substantiate its legitimacy.
Consumer complaint received 2024-06-17
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-06-07
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: BARCLAYS BANK DELAWARE (KS)

I received an email from XXXX XXXX stating a hard inquiry had been added to my profile on XX/XX/XXXX. Upon checking I noticed an inquiry had been added to my XXXX account by Barclays Bank Delaware on XX/XX/XXXX and on XX/XX/XXXX. Both of these dates were around the time I signed up for cruises on XXXX XXXX. I remember there was a request to sign up for a credit card which I didn't because I have an XXXX credit score and don't need any additional credit. I attempted to reach out to Barclays Bank and was told there was nothing they could do and referred me to the credit reporting agency that posted the inquiries
Consumer complaint received 2024-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (TX)

On XX/XX/year>, I called Cash app support to get help with my account after changing my phone number and was locked out of the account from which I have funds on the account. I verified all the information on the account and was advised I was unable to gain access since I did not have the old number anymore. I was told unless I get access back to my old number the funds would just sit there. I asked if there was any way I could cancel the account and have my funds mailed in a check and was advised no. So I am filing a complaint against the cash app because I feel as if they are robbing consumers. XXXX how many people all over the world they are doing this to. What happens to consumers ' money? Too hold on to consumers ' funds is totally unlawful.
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

To XXXX ( COMPLAINCE MANAGER ) You state : The Account originated on XX/XX/XXXX with XXXX XXXX XXXX  and was opened with XXXX XXXX  The Account charged off on XX/XX/XXXX with a balance of {$430.00}. No payments have been received on the Account since it was acquired by the Current Owner. The current Account balance is {$430.00}. 

However you have not produced the application when this alleged loan was originated, you also have not produced the agreement expressly authorizing this alleged debt as required pursuant to 15 USC 1692f ( 1 ). Do you possess an agreement creating this alleged debt? If so i am demanding that you produce this documentary evidence pursuant to : 119.07 Inspection and copying of records ( 1 ) ( a ) Every person who has custody of a public record shall permit the record to be inspected and copied by any person desiring to do so, at any reasonable time, under reasonable conditions, and under supervision by the custodian of the public records. 

You also state : The Account was previously charged off. Charging off an account does not satisfy the debt, nor does it affect the customers responsibility for the amount owed. If the account is sold, the new owner has the right to collect the account. 

You keep stating you owe an alleged debt without providing me with verification of this alleged debt, you also do not have consent to communicate with me about a debt that is allegedly owed. Communicating with me directly or indirectly to any person without my consent is harassment. Your communicating with the consumer reporting agencies about this alleged debt that is false and misleading and you are REQUIRED to cease and desist communication with such persons pursuant to 15 USC 1692e ( 8 ) which states : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

You were advised on XX/XX/XXXX to cease and desist your communications and yet I am showing that this account is still inaccurately reporting, I already advised that you are participating in aggravated identity theft ( see CFPB complaint and e-mail to your company ) and I am demanding that you cease and desist once more, failure to cease and desist communication regarding this alleged debt will cost your company a lawsuit being filed against them and yourself for failure to adhere to federal laws that protects me against your unfair, and abusive debt collection practices. 

You have within 5 days to remove this alleged debt from my consumer report, you do not possess documentary evidence of an application being submitted for a loan, and I have no record of this bank obtaining a loan in my name.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (DC)

Someone applied for a Chase credit card using my information on XX/XX/year>. I called Chase and let them know that it wasnt me. I now have hard inquiries on my credit reports due to this application that was submitted without my knowledge or consent.
Consumer complaint received 2024-06-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (AL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( XXXX ) Debt XXXX are legally obligated to adhere to 15 U.S. Code 1692e ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

To XXXX ( COMPLAINCE XXXX ) You state : The Account originated on XX/XX/XXXX with Bank XXXX Missouri and was opened with First Access. The Account charged off on XX/XX/XXXX with a balance of {$430.00}. No payments have been received on the Account since it was acquired by the Current Owner. The current Account balance is {$430.00}. 

However you have not produced the application when this alleged loan was originated, you also have not produced the agreement expressly authorizing this alleged debt as required pursuant to 15 USC 1692f ( 1 ). Do you possess an agreement creating this alleged debt? If so i am demanding that you produce this documentary evidence pursuant to : 119.07 Inspection and copying of records ( 1 ) ( a ) Every person who has custody of a public record shall permit the record to be inspected and copied by any person desiring to do so, at any reasonable time, under reasonable conditions, and under supervision by the custodian of the public records. 

You also state : The Account was previously charged off. Charging off an account does not satisfy the debt, nor does it affect the customers responsibility for the amount owed. If the account is sold, the new owner has the right to collect the account. 

You keep stating you owe an alleged debt without providing me with verification of this alleged debt, you also do not have consent to communicate with me about a debt that is allegedly owed. Communicating with me directly or indirectly to any person without my consent is harassment. Your communicating with the consumer reporting agencies about this alleged debt that is false and misleading and you are REQUIRED to cease and desist communication with such persons pursuant to 15 USC 1692e ( 8 ) which states : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

You were advised on XX/XX/XXXX to cease and desist your communications and yet I am showing that this account is still inaccurately reporting, I already advised that you are participating in aggravated identity theft ( see CFPB complaint and e-mail to your company ) and I am demanding that you cease and desist once more, failure to cease and desist communication regarding this alleged debt will cost your company a lawsuit being filed against them and yourself for failure to adhere to federal laws that protects me against your unfair, and abusive debt collection practices. 

You have within 5 days to remove this alleged debt from my consumer report, you do not possess documentary evidence of an application being submitted for a loan, and I have no record of this bank obtaining a loan in my name.
Consumer complaint received 2024-02-25
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: DISCOVER BANK (FL)

I booked a flight with XXXX using my Discover credit card. Within the 24-hour window of purchase, I canceled the flight in accordance with XXXX policy and federal regulations. Despite this, XXXX failed to issue a refund. 

I promptly filed a dispute with Discover, providing all necessary documentation to support my claim, including proof of cancellation within the stipulated timeframe. However, Discover denied my dispute without sufficient explanation, leaving me without the refund I am rightfully owed.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

this is my second time dispute the account : XXXX XXXX # XXXX I have requested documentation from the following collections agencies : XXXX XXXX XXXX XXXX XXXXXXXX Please delete the above accounts they are not accurate and unverified XXXX FCRA violation.
Consumer complaint received 2024-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I have been submitted disputes via XXXX and XXXX XXXX about TWO separate debt collection accounts from the debt collector LVNV FUNDING LLC that are the result of FRAUDULENT ACCOUNT OPENINGS AND CHARGES that I had no knowledge of whatsoever and are not my financial responsibility. For nearly two years they have been inappropriately lowering my credit score and I am exhausted from the wreckage of denials in their wake. The damage that these accounts have done to my credit score and subsequent attempts of attaining credit lines of my own has been unacceptable and frankly a constant slap in my face instead of the justice I deserve. I have suffered immeasurably from all the collateral damage of this fraud in my name through never ending denials and lack of opportunities.
Consumer complaint received 2023-02-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hauge Associates, Inc. (IA)

I the consumer sent verification letter out specifically asking for information about the debt owed with my signature and receipts claiming that my debt is valid. But still never received anything from the collection agency Hauges Associates. 

First letter sent on XX/XX/ Received a letter from the bureau claiming debt was verified but no receipt or signature with my name on it. 

Sent a complaint to the XXXX on XX/XX/ From my knowledge The HIPAA law allows you to question your privacy while validating a medical debt and may also suspend reporting the collection item to your credit reports until it is resolved. 

Yet nothing was suspended or sent back yet.
Consumer complaint received 2024-02-25
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (WY)

I have an American Express Bluebird Account which is solely used as a direct deposit account for my monthly XXXX XXXX benefits. On XX/XX/XXXX, I received XXXX emails from American Express, the first XXXX stating that my account was temporarily locked, and immediately after that, another email stating that was account was suspended supposedly because of a violation of the Bluebird Member Agreement Section 22D. I immediately called Customer Service at the number listed on the back of the card, and was told that there was some type of attempted deposit of {$80.00} ( approximate amount as I can not remember the actual amount ), which was in violation of their policies. However, I have had this card for over 5 years now, and there has never been a deposit into that account except by XXXX XXXX. I have never authorized any other type of deposit, and I don't even know how to do that even if I wanted to. I informed the Customer Service rep of this, and she stated that she would " escalate the issue with Account Protection Services. '' Since that phone call, I have not had any response from anyone at American Express. No phone call, no letter, no email. I still receive weekly balance notices, and the current balance as of XX/XX/XXXX is {$180.00}, which is exactly what it should be with my monthly XXXX XXXX deposit for XXXX, and the cash withdrawals and authorized bill payments. There is no evidence of any type of additonal deposits on that account, which was also verified by the customer service rep. As this represents my only income, I was unable to purchase groceries these past XXXX weeks. At this point, all I want is for them to contact me and issue me a check in the amount of {$180.00} which is my current balance. I have made arrangements with XXXX XXXX to direct deposit the XX/XX/2024 payment into a newly opened checking account here at a local bank, so I will end my relationship with American Express. However, I am in dire need of my money, and I don't quite understand how a bank can just unilaterally close a person 's account, restricting them from their own money, especially without a phone call with an explanation as to why, and when I can expect my remaining balance to be sent to me. Anything you can do to help me would be greatly appreciated. Thank you!
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union (WA)

On XX/XX/23 First Tech sent an email freezing my new checking account after I made a paycheck deposit on line with a check from my employer for {$1100.00}. There email said my account was suspect to fraud. Ive had no issues depositing at my other banks. The account with First Tech had been open about a month and I was going to transfer other funds and glad I did not yet do that. I called customer service to try and have them verify my identity which they did and reverified the check deposit I made. The representative told me that I would have to wait to get this unfrozen and it could take days. I have no access to my account or the money. It seems like the bank instantly jumped to conclusions on a paycheck and is deliberately holding funds. This was not a personal check. Its a check from a large employer.