davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, 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/ Social Security Number : XXXX Current Address : Address : 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
Consumer complaint received 2024-06-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (AL)

I disputed with XXXX and it came back as verified. I also asked the company to send me the agreement I signed stating that was my debt with their company. I also asked if they would send signed paperwork stating I gave them permission to use my personal information from another company and report it on my credit file.
Consumer complaint received 2024-06-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

I applied for total and permanent discharge of my private school loans based on my 100 % veterans XXXX on XX/XX/XXXX. They conditionally accepted my application and placed me on a 12 month monitoring period. I submitted my tax documents this year in XX/XX/XXXX in line with the Total and Permance Discharge agreement and they have denied me based on 1. an income level above the poverty level of one person twice on XX/XX/XXXX and XX/XX/XXXX ( despite the fact that the TPD application clearly states it will be based on a family size of two regardless of actual family size ), on XX/XX/XXXX for having an income above the poverty guidelines for a family size of 2 ( despite the fact that my income was under a family size of two ) and then denied me on XX/XX/XXXX because my income level is above the poverty level for a family size of two, which includes my VA XXXX income ( despite the fact that the TPD application clearly states it will utilize my employment income as documented on my tax return to determine my eligibility ).
Consumer complaint received 2023-03-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (SC)

I received a bill from XXXX XXXX XXXX in the amount of {$1300.00} from an account that I never opened. I reported my identify as stolen in XXXX of 2019 since this person committed multiple unlawful transactions using my identify. The person also used an address I have never resided at and does not exist. This debt is not mine, and should have never been able to process through.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SANTANDER HOLDINGS USA, INC. (FL)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-06-13
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (OH)

I spoke to multiple representatives who stated that although I was behind in payments that my account would not be closed because I am apart of a payment plan. I was tricked and mislead by XXXX whom of which I spoke to in XXXX and XXXX XXXX who I spoke to in XXXX. I was not clear on the terms of my contact and wanted verification on reasons for closure and the renewal/FICO score discrepancy was not stated. They only mentioned that if I missed a certain amount of payments it could close but since I satisfied the payment arrangement I was okay. I spoke with XXXX today and let her know how I was mislead and she tried to justify why I was not told the full information but this is unacceptable as a credit card company. I was ambiguous to the terms and why my account would close, I was reassured it would not close and now I see I have been lied to. I was told after the 3 payments of {$110.00} my account would have spending privileges again.
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

Cashapp I used to transfer {$70.00} to my girlfriend 's account. She had no way to access it her phone was busted. We called they set her up an entirely new account and sent the funds to the new account. Now we are getting a run around about verification and her needing a bank. 
I was the original sender and they will not send the funds back to me either. So they are just holding {$70.00} we didn't have to begin with.
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp. (NC)

I am unaware of this debt. I didn't have an opportunity to dispute this information. If in fact you believe you gave me the proper notification then please send me the certified receipt with my name and signature on it confirming this notification.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (IA)

LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : | have recently been informed that there is negative information reported by XXXX XXXX CT IA XXXX XXXX XXXX XXXX file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. The entry with Reference XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never discharged.
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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (MD)

On XX/XX/year> I recieved a notification via all of my credit monitoring services ( i.e., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. ) that my credit had decreased significantly. After reviewing the reason and doing research, I found out that my XXXX XXXX XXXX ( via XXXX XXXX XXXX XXXX XXXX ) was one month past due for the ~ {$45.00} " no interest monthly payment '' due on my XXXX purchase of a new XXXX XXXX. I then contacted TD Bank and explained that I never received a hard copy of my initial bill to set up payment. They researched what I said and concluded that they did not ever send a hard copy bill and reversed all late fees and explained what I needed to do to set up my online account to make monthly payments and bring the account current. Once I did that I called back to verify they could see that it was completed and they ( TD Bank ) confirmed it and advised that if I wanted my credit report to reflect this change and remove the deragatory past due remarks that I need to submit online credit disputes with all three credit reporting agencies ( i.e., XXXX, XXXX, and XXXX ) and send a letter to their credit disputes department. So I did that by XXXX XXXX to the agencies and on XXXX XXXX to TD Bank credit disputes, respectively. Then on XXXX XXXX, I recieved a credit reporting notification that the deragatory 30 days past due marks for XXXX and XX/XX/year> had been removed and my credit score reflected a XXXX point increase. Then on XXXX XXXX, I received a notification that TDBank had reviewed my request and determined that the past due remarks were correct. While they were correct, they did not address the fact that they made an error in not sending me my hard copy bill and that I upon being notified I rectified by paying the bill to current and setting up automatic payment for the remaining interest free balance. I would like the two months of past due payments removed completely from all of my credit reports. Reason, with my credit history of never having a late payment in 35 years and my actions upon notification of having past due payments along with no actual hard copy bill to trigger payment setup, I feel this request is warranted and should be supported. Thank you!
Consumer complaint received 2024-07-08
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. (TX)

My account with XXXX XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

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 ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), 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 2024-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

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 ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), 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 2024-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

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 ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), 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 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Federal Credit Control, Inc. (MI)

First Federal Credit Control continues to report false and inaccurate information on my credit report that I owe {$240.00}. I have disputed this account multiple times. This is not my account. I never used any services from this company. I am entitleded to a fair and accurate report.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I had an account at CITIBANK and on XX/XX/XXXX I received a transfer from XXXX XXXX  of {$270000.00} as a result of the sale of a house owned by me and my XXXX brothers. On XX/XX/XXXX, I made withdrawals for an amount of {$50000.00} and the bank decided to block my account. On XX/XX/XXXX, I received a letter telling me that the account was blocked due to an investigation. On XX/XX/XXXX, I received another letter telling me that they would definitely close my account and within a period of 30 to 60 days they would send me the funds remaining in the account to my postal address, which never happened, today it is already 90 days old. complete and they have not yet returned the funds that were left in my account. I have called the bank more than 70 times and they simply tell me that my account is closed. I have personally gone to the office and have shown them the legal documents that confirm and demonstrate the legality of the funds and they simply do not pay attention to me and tell me that the funds are in XXXX XXXX, but they do not explain to me how to claim them and it already seems to me It is an outrage that after 3 months of blocking and closing my account, they do not reserve the funds that I must distribute with my XXXX brothers since it is a family inheritance. I am a XXXX  citizen and XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is why I have already had to travel 3 times for this issue and it has generated unnecessary expenses and I need help to resolve this problem with Citibank. CITIBANK has purely negative reviews on XXXX and apparently they are doing this to many clients and they keep working on the impounded money for months until they finally return it. It seems to me an insult to the client and the XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

My Devit card was stolen and used to make a check deposit, which after it was deposited {$570.00} was wired to a number leaving my checking account in negative. I contact XXXX and I also contact XXXX XXXX support. XXXX reimbursed me due to it being fraud and I didnt authorize until today it was reversed and now theyre stating it was authorized which it wasnt taking away {$570.00} from my checking account again. I asked a chase representative XX/XX/year> if I should file a police report and they told me it wasnt necessary and everything should be good to go and now theyre arent coroporating.
Consumer complaint received 2024-07-08
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. (NC)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-06-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (KY)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2018-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I have a credit card with city with a {$10000.00} balance. I have not made any over limit purchases and I made all of my payments on time. The balance was about {$9500.00}. On XX/XX/XXXX I made a payment of {$3500.00}. The next day they lowered my available balance five {$3500.00}. I have a credit card with city with a {$10000.00} balance. I have not made any over limit purchases and I made all of my payments on time. The balance was about {$9500.00}. On XX/XX/XXXX I made a payment of {$3500.00}. The next day they lowered my available balance five {$3500.00}. They told me that it was a coincidence and it was because of my credit score. I made this large payment to lower my debt ratio, but because they lowered my available balance it neglected what I was trying to do.
Consumer complaint received 2024-06-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I had a car repo XXXX years ago and I didn't want it so I called and told them to sell the car and then was told by credit acceptance which is the loan company that all I would have to pay was XXXX dollars .so after they sold the car they never send me the email verification of the how much I would have to pay.so after the repo they still continued to report on my credit as late payments.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (CA)

XX/XX/2024 JEFFERSNCP Account status - Collection Reported balance {$9600.00} Loan type - Unknown loan type Date reported - XX/XX/2024 This is all the information provide unknown original creditor so no information is given as to where this debt originated I have requested in writing 4 times to send debt validation with no response.