davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I submitted an FTC report of identity theft, which included evidence of fraudulent activities and inquiries made in my name and uploaded documents to all credit reporting agencies. Despite this, Experian has neglected to update my credit profile accordingly, leaving incorrect information on my report and failing to remove the fraudulent inquiries. 

This oversight has led to significant discrimination against me when applying for credit, as potential creditors have access to inaccurate information that adversely affects my creditworthiness. Experians inaction is a direct violation of the Uniform Commercial Code ( UCC ) provisions for removing fraudulent accounts, along with several other violations. 15 USC 1681b ( 2 ) states any negative item that a company reports without my consent is considered identity theft and fraud.

15 USC 1681n If the credit reporting agencies don't delete your negative items after you dispute the its {$1000.00} per item.

15 USC 1692 report fair and all consistent reports to all agencies.

Experians failure to act constitutes a violation of my rights under the federal law of FDCPA and their actions have led to abusive, deceptive, and unfair practices affecting my credit and ability to obtain new credit.

The continued presence of these inaccuracies on my credit report has caused me undue stress and financial harm. I have been denied credit opportunities and have suffered damage to my reputation as a result of Experians negligence.

I am requesting the following actions be taken : Immediate correction of my address on my credit profile.

Removal of all inquiries identified as fraudulent in my FTC report. 
Removal of XXXXXXXX XXXX XXXX XXXX account. 
Monetary compensation for the damages incurred due to these errors. 
I have attached copies of all relevant documentation, including the FTC identity theft report regarding this matter. 

I expect a prompt response to this complaint and resolution of the issues outlined above. According to the CFPBs complaint process, most companies respond within 15 days. I trust that the CFPB will handle this matter with the urgency it requires. 

Thank you for your attention to this serious matter.
Consumer complaint received 2024-07-04
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC (GA)

I have disputed this account and have asked for rental agreements, signed consents and my permission to collect on a debt that i do not owe them. I have never lease from this collection company nor the company they are collecting on. The credit bureau has always come back stating the information has been verified as accurate but I haven't gotten anything after calling and requesting the information they have verified. Each time I call the company at XXXX and ask for the information I receive the round around.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I deposited a check on XX/XX/28. The check that was deposited was from my 401k. The company that I previously worked for closed. The check amount was about {$1700.00}. I wasnt informed about the check being on hold for 7 days until after the check was deposited. I called TRUIST the following day to discuss the matter. The compliant was escalated to a mange ent and I informed I would receive a call regarding the compliant. I never received a call. I called again on XXXX to have the matter further discussed. The first representative told me the funds couldnt be verified by the issuer of the check. She then transferred and I was told I dont have enough funds to cover the check. She informed me that she needed to contact the representative that was handling the escalation by management that the representative wasnt available. I was told to call back at XXXX on XXXX.
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (NJ)

Why did u steal from me? I uploaded proof it was paid before they went to court. Send me the money u stole from me. Why is my account still open and why is it still collecting interests. So basically your still trying to steal from me.
Consumer complaint received 2024-07-01
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (GA)

XXXX I received a no interest promotional offer in the mail regarding The Home Depot Card. The promotion varies with the amount charged. On purchases of {$290.00} to {$990.00} receives 12-months same-as-cash ( SAC ), 18-months SAC on purchases of {$990.00} to {$1900.00}, and 24-months SAC on purchases {$1900.00} and above. The promotional code is the same regardless of the offer. I believe this is part of the issue. 
On XX/XX/year>, I made sure I exceeded the {$990.00} minimum to receive the 18-month promotion. The order number is XXXX. My order was broken into five sub-orders. This appears to have been done based on where the shipment was coming from ( four different shipments ) plus one pickup order that consisted of three items. Breaking it down into sub-orders resulted in five orders ranging from {$11.00} up to {$460.00}. All five orders were given the standard, everyday promotion of 6-months SAC. I believe this is a systemic issue and many consumers are harmed by this practice. I happen to be an auditor and have the capability to track down the problem. I called to have this corrected. I was assured it would be. My latest bill shows they corrected the largest sub-order of {$460.00}. Even if all five are corrected, how many other consumers have been harmed? Do you think an employee did this or is this process automated. If it is an automated process, then there are countless consumers harmed. I am including my order along with the statement the sub-orders reconcile too. I will also include the subsequent statement because it shows the single promotional charge they corrected and the other four remain unchanged. It also shows that two items were eventually returned but they were part of the original order. By the way, it is difficult to follow their statements and online activity because they back out returns as if they never happened. In other words, it is not a static receipt.
Consumer complaint received 2024-07-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/24 XXXX suspended my account for a terms violation. I also had a venmo prepaid card that was also suspended. They asked me for ID verification, I sent my drivers license. They responded and said my account was indefinitely suspended. 

XX/XX/24 I received a direct deposit on the venmo card accidentally from XXXX in the amount of {$530.00}. I reached out to venmo not knowing that my card was also suspended to see how I can get the remaiming balance. I was told that my card was suspended/ a deposit should have not gone in because the card was suspended and I need to wait 6 months, if it should come sooner that I would receive a email with directions. 

I want my money, flat out. Venmo is doing shady transactions
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

In the last few months ive reviewed my credit reports from all three major credit bearues and discovered multiple adverse/erroneous accounts on all three reports.ive disputed all accounts recently and the CRA 'S are some how verifying accounts in a matter of days. ( impossible ) The CRA 's are not properly doing a investigation in this matter.All of the errouneous/adverse accounts are missing information/incomplete/no payment history.XXXX, Experian, XXXX, are in violation of the FCRA section 611 as well as section 609.Ive requested documentation on all accounts with no response, only saying its verified.Ive also contacted every creditor involved, and was told CRA 's have not communicated with them. ( wow ) I will continue to dispute until the accounts are removed from my credit files if not, I will take other action pertaining to these issues.I demand the following accounts be removed : XXXX XXXX ( closed ) $ XXXX XXXX XXXX  XXXX XXXX $ XXXX-XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX- $ XXXX XXXX XXXX {$560.00} .
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (CA)

On XX/XX/year>, I was checking my account to withdrawal some money. Little did I know someone had already withdrew {$80.00} dollars from my account. I live in XXXX, CA. The location taken out said XXXX XXXX XXXX XXXX XXXX XXXX. I called the bank so they " froze '' my account and where sending me a new card. Then I had filed for fraud through the phone and on their app. It wasn't until XX/XX/year> that they decided they found no sufficient evidence to support my claim. During this time not only did they not send me a card but they didn't lock my account. I had to call again because I was getting notifications that someone was still trying to withdrawal money. By this time I stopped receiving deposits and had XXXX dollars in the account. I emailed them to please send me the documents they " relied on in making '' their decision and now it's XX/XX/XXXX, nothing has been done.
Consumer complaint received 2016-04-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

To fill a gap in the chain of title for my property from XXXX I was given copies of original paperwork, payment information, applications and anything but what I asked for, a continuous, unbroken chain of title as proof of standing to foreclose. After numerous formal requests by QWR 's XXXX transferred servicing to Nationstar.that continued the barrage of useless paperwork. I was sent a Corporate Transfer of Trust deed that XXXX sent me that is a fraudulent, fictional, forged document that purports to fill the gap between XXXX directly to the Pooling and Servicing Agreement of XXXX for XXXX trust.There were many other transfers. I have proof that XXXX shredded the original Note that alone nullifies any authority to foreclose. The transfer occurred 6 years after the XXXX XXXX, 2004 closing 3 yrs.after XXXX closed, and 3 yrs. past the Notice of Default. 
Was the investor paid by insurance or lawsuits? Neither of us have clear title so we need to settle.
Consumer complaint received 2024-07-25
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. (IL)

On the date of XX/XX/XXXX, complainant submitted a complaint with CFPB regarding inaccurate information on consumers credit report and requested for credit reporting agencies., TransUnion XXXX XXXX XXXX and XXXX to open a reinvestigation to discontinue reporting and then delete inaccurate information damaging consumers credit worthiness. 
Following the 30 days reinvestigation neither TransUnion, XXXX, XXXX, nor the original debtor could provide me with any documents to verify that i owe any debt connected to the following accounts : XXXX ( XXXX XXXXXXXX ) Acct # XXXX - Date XXXX XXXX, XXXX and XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX  XXXX ) Acct # XXXX - Date XXXX XXXX, XXXX. Furthermore, there is a myriad of inaccurate and inconsistent account information ( e.g. inaccurate account type, Date opened, XXXX status info, No. of months term, Last reported, Date last active, Date of last payment, and reporting of payment history. These accounts are obviously inaccurate and shall be deleted given their derogatory impact and should have never been modified to closed accounts. In addition to these inaccurate accounts complainant also disputes unauthorized and unverified hard inquires ; TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). Please review all attached documents.
Consumer complaint received 2018-01-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Neon Newco Corporation (OH)

I received a prepaid XXXX from a company called XXXX on XXXX XXXX, 2018. It already had my babe embossed on it. I couldn't get through to a live representative because the voice machine wanted me to provide a card number or my social security. I gave the card number but it tried to get me to activate it using my social which I was not going to do. I was worried that someone has fraudulently applied for this card in my name. If not and the company just sent me a card like this without any request then I feel that is a security risk. What if I hadn't lived at the address or someone else managed to activate this card they sent me?
Consumer complaint received 2024-07-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company (OR)

I took out an emergency loan that was deposited in my bank account XXXX XXXX, as I am having a financial hardship at the moment.This loan was provided to me through XXXX XXXX. I was made aware that the interest for this loan is XXXX %. They are expecting XXXX payments in the amount of {$310.00}, these payments made XXXX  a month. The amount loaned to me was {$1100.00}. By the time the I pay this loan off- I will have paid {$5600.00}. This is not fair, and this ( in my mind ) is as bad a robbery. I needed a short term loan, but its my fault for not understanding the fine print, and interest amount attached to it prior to signing. I cant believe that this company is feeding off of struggling Americans- it is not just a small amount of money with a fair interest- this is pushing upwards of XXXX  % interest. How is this legal? They are located in Wisconsin on tribal land. I was not aware about this information. I am so upset and regretful for taking this loan- if I wasnt in a financially tough spot, I wouldnt have by any means. Now I am going to be struggling to pay back the initial loan amount of $ XXXX its all going to interest. I will never get ahead. I am worse off with this loan than I was the day I decided to take it. I need help, please. I beg for any help regarding this situation. Is there another way I can pay this without this astronomical interest?
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NY)

PayPal and XXXX claim I violated their " user agreement '' and refuse to disclose any information. My girlfriend and I were making new accounts here and there sharing our accounts. We don't owe money or have caused any damages to them. Even the checks PayPal sent when they closed an account couldn't be cashed. I don't know why any of this is happening. But I'm losing money and can no longer use their services. All my information from phone number to SSN is blocked from use on their sites and apps indefinitely. And as I stated both companies refuse to give any reason as to why. They only claim I " violated user agreement and no more information will be given. '' I'm at a loss and there's nothing I can do, they're bullying me and cutting off my use to secure payment platforms.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (IN)

I applied for a credit card and I, the consumer and natural person, was denied credit by XXXX XXXX, when I applied for a Line of credit, A credit 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 XXXX XXXX due to the response I received. 
XXXX XXXX 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 XXXX XXXX If XXXX XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make XXXX XXXX criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810.
Consumer complaint received 2024-07-03
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: CITIBANK, N.A. (FL)

The negative rating on my account is deeply troubling due to its potential credit impact. It has already led to a loan rejection and higher interest rates on my current credit accounts. This situation is causing severe financial and emotional strain, which will persist until resolved.
Consumer complaint received 2024-07-23
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. (NV)

I am writing to formally complain about inaccurate and incomplete information currently listed on my credit profile. The data in question is not in compliance with XXXX XXXX guidelines, and it is adversely affecting my creditworthiness, resulting in higher interest rates and missed opportunities for promotions at my current job. 

Below are the specific accounts that require immediate attention and correction : XXXX. XXXX XXXX XXXX Please delete XXXX. XXXX XXXX Please delete XXXXXXXX XXXX XXXX Please delete XXXX. XXXX XXXX XXXX Please delete XXXX. Affirm XXXX Please delete XXXX. XXXXXXXX XXXX XXXXXXXX Please delete XXXX. XXXX XXXX XXXX Please delete XXXX. XXXX XXXXXXXX XXXX  XXXX Please delete XXXX. XXXX XXXX XXXX Please delete XXXX. XXXX XXXX XXXX XXXX Please delete XXXX. XXXX XXXX Please delete XXXX. XXXXXXXX XXXX XXXXXXXX Please update to never late/pays as agreed XXXX. XXXX XXXX XXXX Please update to never late/pays as agreed I request that these accounts be removed and my credit profile updated accordingly, whether these accounts are currently reporting or not. The erroneous reporting on these accounts is causing significant harm to my credit profile and, consequently, to my financial well-being and professional life.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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Consumer complaint received 2024-07-01
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. (IL)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, TN, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-03
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ProCollect, Inc. (NY)

THERE IS A COLLECTION ON MY ACCOUNT FROM SOMETHING I DIDNT OPEN UP. I TRIED TO DISPUTE BUT THEY SAID IT WAS ACCURATE WHEN IT REALLY WASNT. I DID NOT LIVE IN FLORIDA IN 2022 so I DONT UNDERSTAND HOW THIS IS POSSIBLE
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action.I reject your offer & advise you to process my dispute per FCRA laws. Otherwise we will be seeking a legal remedy in this matter. 

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