davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group (TX)

In XX/XX/XXXX, I took out a {$3000.00} personal loan from XXXX. Somehow, my payments got linked to my XXXX XXXX XXXX debit card ( that she gets money on for chores and good grades ), so when they tried to draft my payments, they didn't go through. I didn't realize this happened and they closed my account and sold it to XXXX XXXX XXXX, a debt collector. I settled with XXXX, made payments, and paid off my balance. Meanwhile, XXXX retracted the sale of my debt but I was not notified, so I continued paying XXXX. On XX/XX/XXXX, I received a letter from XXXX that my account had been closed again and charged off and that I owed {$3000.00}. I have called XXXX many times, they say that XXXX hasn't sent them the money and that there is nothing that they can do. I have called XXXX many times. They said they transferred the debt to Velocity XXXX but that my obligation was completed. I have called Velocity many times and they say they sent the payments to XXXX. XXXX did send me a document on XX/XX/XXXX that my obligation was complete. I sent this to XXXX but they said it didn't matter because they still didn't have the money. I have called Velocity and they say that they sent payment to XXXX and that there is nothing else they can do.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (FL)

I attempted to open an account through sponsorship in XX/XX/XXXX. I received a message that I couldnt open an account online because of security reasons. I found out I had been a victim of identity theft and in XXXX  someone attempted to open and account in my name. Resulting in a profile being created with Navy Federal. After finding out I spoke over the phone with a security team member who advised it would be a good idea to go in person to a local branch. After doing so I successfully was able to open my accounts. 1 checking and 1 savings. I made my initial deposit and everything was fine. Less than 24 hours later my account was locked and I was blocked from having any access. I later found out due to the on going investigation for the fraud that was committed they locked my account to investigate. Fast forward I receive confirmation over the phone and several apologies for the repeat mistakes and federal violations that Navy federal had committed. I was told to go into a branch again to complete my account opening and have said repaired funds transferred. I did that today XX/XX/XXXX. After two hours of waiting and calling and going in circles. I was still unsuccessful opening my account and they werent willing to return the funds I deposited to that exact location previously. Management there didnt want to talk to me and told me to wait in the lobby after I waited in que for 45 minutes prior. This by far is the worst representation of a company and the discrimination against me and my accounts was felt. Several federal laws have been broken by this financial institution. I plan to seek monetary damages for my trouble.
Consumer complaint received 2023-11-08
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)

XX/XX/. I went to XXXX XXXX XXXX XXXX in XXXX California, i wanted to insure my new car, after all the paper work they then asked for XXXX $ from my debit card, i gave the girl my debit card she swiped it, i pushed my pin number, IT GOT DECLINED. I checked my bank, WHY IS XXXX $ GONE, i tell the lady " no it went through '' and she said " no it didn't '' i requested a receipt but she could not give me a receipt for what out of thin air no purchase or anything she just couldn't i didn't purchase anything. I call my citi bank right there sitting down around XXXX and to this day the bank has ignored me, made me redo about XXXX claims like its going no where i just want my money back from the FRAUDULENT insurance place or the Loop hole master CITI BANK i didnt waste XXXX $ for no service and for fun please help i got my proof of declined receipt but they wont do anything just keep brushing it off there shoulder
Consumer complaint received 2024-05-07
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. (GA)

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 XXXXXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account NumberXXXX 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 2024-05-16
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. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-12-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (MD)

In XXXX of XXXX, my mortgage was sold to LoanCare. I have been trying to make a payment for the month of XXXX and so on Thursday, XX/XX/XXXX, I logged onto the LoanCare website ( as I normally have for the last 2 years ) in an attempt to make a payment. Each time I try, I am able to enter my username and password, however the page does not load. After several failed attempts, I decided to go on XXXX to search for any mention of their site crashing. To my surprise, I came across an article that was released a couple days prior stating that LoanCares website was offline due to a cybersecurity incident. As of today, XX/XX/XXXX, LoanCare has yet to release a public statement about the breach, how they are going to rectify this issue, whats being done, and alternative methods of payment. Since Thursday, XX/XX/XXXX, I have called over 20+ times with no luck in getting a live agent. After doing some additional research, I stumbled upon a XXXX page with close to XXXX customers who are having similar experiences ; Some of which are reporting fraudulent charges or even multiple ACH payments. It is ridiculous that no emails have been sent out, there is no mention of the breach in either media outlets, the website, or email ; Its ridiculous that there is no way to speak to a live agent so that we can pay our mortgages and it is completely ridiculous and unacceptable that no public statement has been made. We need answers!
Consumer complaint received 2024-05-07
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. (GA)

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 Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX 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 2024-05-06
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. (OH)

These 8 inquiries on my TransUnion report are fraudulent and I would like them immediately removed. There is now way in heck I applied for this many accounts! 
Please remove these accounts off my transunion report asap! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As well as these 3 illegal accounts that has been opened in my name for over 3 years. I keep stating these accounts below are illegal and was obtained in my name. Please remove these accounts! 

XXXX XXXXXXXX XXXX XXXXXXXX {$150.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX {$57.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX {$13.00} DATE OPENED XXXX, XXXX, XXXX PLEASE REMOVE THESE ABOVE ILLEGAL CHARGE OFF ACCOUNTS THAT WERE OPENED AT THE SAME TIME AND IM LOCKING ALL MY REPORTS TO STOP THIS FROM HAPPENING AGAIN. IM TRYING TO FIX MY CREDIT SCORE PLEASE REMOVE THESE ACCOUNTS OFF MY REPORT!!!!
Consumer complaint received 2018-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MI)

On XX/XX/2018, I attempted to purchase tickets for a football game over the internet. I contacted the seller, agreed on a total of XXXX USD, and was told to use XXXX to transfer the amount to them, after which they would send me the tickets via email. After confirmation was sent to the seller, I received no further contact from them. I felt comfortable using XXXX because my bank, PNC, uses the company for money transfers. After disputing the transaction with my bank and XXXX, sending screenshots of the text message conversation with the seller and other applicable information, I received a letter in the mail stating the following : " You contacted us recently to dispute a person-to-person payment to/from your account ending in XXXX in the amount of {$720.00}. Based on our investigation, the transfer was valid and processed as instructed. As a result, your dispute was denied. You have the right to request the documentation we relied on in making our decision. '' While I understand that I initiated the transaction, I was not aware that XXXX provided zero protection for consumers using their product, or that I was being scammed through their app.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this issue.
Consumer complaint received 2023-03-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Acquisitions Group (NC)

I have received multiple emails from the debt collection agency where they are telling my settlement account is {$1000.00}. Total Amount Due {$2000.00} with an invoice date of whatever date they are sending me the email. The original amount was {$600.00}, with a balance of {$590.00} My credit report is only showing {$1000.00}, not {$2000.00}. This debt collection company has sent multiple emails inflating the total amount due. They are also repeatedly showing the debt as a NEW debt every month.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (FL)

I applied for and was approved for this credit card. Part of the terms of the bonus is that you need to spend {$1000.00} within the first 90 days of opening the account to qualify for the bonus. 

After i was approved, a screen popped up that said i would receive the physical card in 10-14 days, but could have my account info texted to me so that i could use it immediately. I clicked on that and they sent me a link where i could add it to my XXXX XXXX account. Well i do not have an XXXX XXXX account or ANY XXXX  product, so that is useless to me. They didn't mention it ahead of time, they said " to be used in A digital wallet ''. They neglected to state that anyone with a non XXXX  phone is screwed. Why did they not state this until after they have hit your credit with a hard inquiry and approved your account!? What kind of company alienates nearly 50 % of its users who don't use a specific brand of product?!?

I then called and asked for my account info so that i could use it digitally and was told that they could not give me my account info that i was approved for. This is after they dinged my credit with a hard inquiry mind you. They said it was not secure to tell me my account info so i told them to text it to me. They said that wasn't secure either although they sure felt like it was secure enough to send it to me to use in a digital wallet that i do not own!

I then told them that all my other credit card companies would overnight me a card to use, so can they send it to me expedited? No, they refused that as well!

This is an intentional scam! They want you to lose 2 weeks of your promo bonus period especially during the holidays when people spend the most money
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Block, Inc. (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX  ) ( XXXX  ) ( AFTERPAY ) ( XXXX  ) ( XXXX  ) ( XXXX  ) ( XXXX  ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've consistently ensured that payments on this account are made on time, never letting them become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Consumer complaint received 2024-05-07
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. (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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name 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 2024-05-06
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. (FL)

Recently I looked at copy of my credit report and I found several inaccuracies on my account that account is hurting my ability to obtain credit Its my understanding that the credit bureau will investigate this account
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I keep trying to remove an account from my credit report. XXXX XXXX, account number ends in XXXX. I have been trying to get this account removed since XX/XX/2023 through myequifax.com and through equifax information services. they still refuse to remove the account. I have reached out to equifax and the lender about this. the lender informed me that the account information is reporting incorrectly. I have documentation showing this
Consumer complaint received 2023-08-29
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. (GA)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.
Consumer complaint received 2024-05-07
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. (GA)

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  Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account XXXX 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 2024-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, upon further review of my credit report, there appears to be 4 hard inquiries on my report in which I did not authorize or give permission for, nor do I recognize them! 

NOT OF MY KNOWLEDGE OR AUTHORIZATION 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 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (NC)

I have a late payment showing up on my account. I was never late so I'm not sure how this got there but it is effecting my score and my ability to get the best rates on a home loan. The account has since been paid and gone but i would like the late pay removed or show me how i was ever late since i was on auto pay. Thanks