davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

In XXXX  my Paypal account was permanently limited for unknown reasons. I had an open paypal credit account with them at the time so I kept it open to pay the account off. I have now paid off the account and pay pal will not remove my information from the site. I have three credit cards and two bank accounts linked to my paypal and they refuse to delete my financial information from their servers. I need my information removed
Consumer complaint received 2024-05-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (OR)

I am submitting a complaint for an unauthorized transaction/ACH transfer made to my account last XX/XX/2024, in the amount of {$2900.00} by XXXX XXXX XXXX The said transaction was unauthorized and was not made nor authorized by me. I have already placed a stop payment request to a customer service representative a day before ( XX/XX/2024 ) but they still allowed the said transaction to push through without my consent. 
I already submitted a dispute on the said transaction. I should've received the money back temporarily within 24 hours while investigating, but got no updates received from my bank. Case number given : XXXX. Name of bank : Citi, Product : Citi High Yield Savings
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (NJ)

My auto insurance company notified me that LexisNexis had reported adverse information to them, specifically that I was over 85 % withdrawn on a revolving bank line of credit. 
However, I have no such line of credit. I have never had such a line of credit. I know that there is no such fake account as an identity fraud either, because I have had credit monitoring with XXXX for years. 

I know that they did not accidentally report information on someone with the same name, because I am the only person in the United States with this first/last name combination. 

I also note that to get a " free '' explanation from LexisNexis, they ask for passport, drivers license, social security number, and several additional things adding up to an extremely convenient package for them to sell to identity thieves among others. I furthermore note that their website where they ask for this ** explicitly says ** that they * will * sell this information, which of course I did not provide. I believe that this is deliberate fraud /scam by LexisNexis XXXX I note the hundreds of similar complaints by others within the past ONE MONTH.
Consumer complaint received 2024-01-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management continues to try and collect a debt that the original creditor is also trying to collect. On or about XX/XX/2024 they continue to change the balance due on the collection account by {$1.00}. I have disputed these accounts for inaccuracy, and they continue to report negative information to my credit report that is inaccurate. They can not validate or verify the debt that they say that I owe to them. I do not owe Midland Credit Management anything. There is NO contract or agreement bearing my signature with their company. They are reporting 3 separate collection accounts on my credit reports, and refuse to remove them or show proof of my signature. They are reporting the accounts as OPEN, and per FCRA a collection account is not considered open, and the balance should not continue to change. I have proof where they have also done soft inquiry pulls on my credit report dozens of times that are not authorized by me. I am seeking legal action against them for these violations if they do not remove the accounts they have listed on my credit report. ALL of them.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSWORLD SYSTEMS INC (TX)

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

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

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. Please see attached file for these items I am complaining. 
"
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (AL)

I would like for the company to remove inaccurate information on my credit report closed and charged off accounts are still reporting.XXXX XXXX is reporting late payments and the account was XX/XX/XXXX & XX/XX/XXXX {$470.00}. XXXX XXXX is reporting XXXX for XXXX and XXXX and XXXX is reporting XXXX Montgomery ward is reporting XXXX past due on all credit bureau.
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

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.

has violated my rights. Or 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 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

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

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

I recently reviewed my consumer report and noticed an incorrect late payment record on my CAPITAL ONE XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft and I submit to a dispute these items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please REMOVE the reporting of this account in my credit file that resulted from an alleged identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report # XXXX within 30 days. 
XXXX : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX EQUIFAX : Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NC)

Some years ago I had delta skymiles card. XXXX XXXX. After some time American Express raised the card fee to {$250.00}. They said you could op out and cancel the card. I did. Next month they wrote and said how about {$200.00}? I said NO I op out and the card is destroyed. Good by! Next month I get a bill new balance is {$200.00}, minimum payment is {$40.00}. Every month I receive this same bill, for the last 3 years! I have called, e-mailed, and written but it keeps coming. I have spoken to people at Amexco and have written answers that there is no balance and no bill. One supervisor said that the bill cant be stopped but nothing is owed. What? I have at least 3 years of these bills. Other people are asking me to go paperless but these paper bills keep coming. 
Please help.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (VA)

There are XXXX accounts reporting negatively on my credit report from OneMain Financial. This account number is listed for XXXX accounts with different balances : XXXX. XXXX balance is {$9300.00}, and there is another account with this same account number with a balance of {$9400.00}. 
Both accounts have the same account number, however they have XXXX different balances. I called OneMain Financial on XX/XX/XXXX, and spoke with XXXX in the " fraud '' department and asked for validation of these XXXX accounts. I was advised that XXXX account was from XXXX, ( which is well over the age of reporting ) and the other account she did not have any information for. I informed XXXX that I did not open any accounts in XXXX and I was in the military stationed away at that time and could provide documented proof. I also sent a certified letter to OneMain requesting validation of these XXXX accounts. Proper validation of these XXXX accounts have not been done. I received a letter on XX/XX/XXXX, from OneMain stating that these accounts were verified as accurate with no documentation provided to me as I requested in the letter. These accounts are not accurate and OneMain has failed to provide me with proper documentation regarding these XXXX accounts which are impacting my ability to qualify for a VA loan. I have also sent a certified letter to the credit bureaus requesting full validation of these XXXX accounts in addition to sending a letter to the VA Attorney General 's office. This company has failed to comply with the FDCPA and FCRA and is reporting information to the credit bureaus that are adversely impacting me.
Consumer complaint received 2024-01-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (IN)

On XXXX XXXX I submitted the information that XXXX requested. I had to buy a fax app to submit the information because their website did not work for the card. I spoke to 2 representatives again on XXXX XXXX trying to get a replacement card. They told me to upload information to their website which I tried numerous times and it would always give me an error. I explained that and they told me they cant fix the website so I would need to again pay to fax them the information. I told them Im not paying more money to send them information again about the card that they shut off and I paid for. I asked them to have someone call me back that could help me and they hung up.
Consumer complaint received 2024-05-24
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: Experian Information Solutions Inc. (NV)

Credit bureaus did not respond ay all and according to FCRA in the first request they are suppose to in 15 days which they chose to ignore see request below.

Under 1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Also under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Please send the following information used to validate the items below and show where I gave written permission to be on my credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages.
Consumer complaint received 2024-01-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc. (FL)

I had been behind with afterpay services and lost track of time due to a financial hardship. They also had an option on their site to apply with a hardship to explain my situation. Even after I did that I went online to another site to use after pay and they said I couldn't continue a payment with a new company until I paid my left off amount that had been due from 2023. I completely paid it off and it had popped up saying that I couldn't use their services due to making a decision to completely close my account. I had wrote them immediately after trying to purchase something with it telling me one thing, then telling me something completely different after paying my complete debt off. 

I have wrote them and they are refusing to cooperate with me.
Consumer complaint received 2023-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Referencing : 15 USC 1681a2, I did not give written permission to have Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  furnished on my credit report. This account was resolved with an Identity report and was deleted by the 3rd party collection agency. Please see attached documents and reports from the Consumer Financial Protection Bureau. I need for this negative account to be removed and deleted from my consumer report from all three credit bureaus such as XXXX, TransUnion, and XXXX. This account is affecting me to get a home.
Consumer complaint received 2024-05-24
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: Kikoff Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX Laws Dear KIKOFF LEND, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), as well as identity theft and fraud laws in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that KIKOFF LEND has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section XXXX ( a ) ( XXXX ). 

In addition to federal law, XXXX XXXX has stringent identity theft and fraud laws that emphasize the protection of consumer information. These laws underscore the severity of unauthorized access and misuse of personal information, reinforcing the necessity of obtaining explicit consumer consent for credit reporting. 

I assert with unwavering certainty that I have not provided consent for KIKOFF LEND to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and XXXX XXXX laws. 

I demand, with the utmost certainty, that KIKOFF LEND immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and applicable XXXX XXXX identity theft and fraud laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX XXXX laws. This is not a negotiation ; it is a demand for compliance with both federal and local regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that KIKOFF LEND will promptly rectify these egregious violations, respecting my rights under federal and XXXX XXXX laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (LA)

Recently I became aware of a credit card account from TD BANK USA/TARGET CREDI XXXX XXXX XXXX XXXX, MN XXXX. When I reached out to the creditor, they were unable to tell me anything about this account other than it was under my SSN. All the other information does not match mine. Like address phone number I.E. I have disputed this with the credit agencies as fraud and sent in supporting documents, It was removed and flagged as fraud by the credit agencies, but this TD BANK sent back something saying this account was certified as mine and that it was to be put back on my reports. I have tried working with TD BANK but begin none of my info other than SSN matches up I'm kind of limited on what I can do. I was the victim of ID theft over the course of the last several years. And am just catching fraud accounts. From several years ago. I am a XXXX veteran and am fighting to recover from past ID THEFT. I DO NOT HAVE A CCOUNT NUMBER BECAUSE I NEVER HAD THIS ACCOUNT. ALL I CAN GIVE IS MY SSN # WHICH A COPY OF MY SSN IS ATTACHED IN THE DOCUMENTS.
Consumer complaint received 2024-05-24
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (WA)

In XX/XX/XXXX, I filed a XXXX. XXXX Bankruptcy to after a dispute with Wells Fargo regarding a " missed paument ''. My XXXX Plan included my monthly mortgage payment and the bankruptcy was discharged upon completion of my 100 % plan. I learned yesterday that since my discharge in XX/XX/XXXX, Wells did not resume reporting to any credit agency the status of my loan or payments. I was denied an auto loan as a result of their failure to accurately report the status of my mortgage loan and thus lowering my credit score so I did not qualify. I reached out to Wells Fargo to resolve this issue and was told I would need to write a letter to them and have someone in the Written Correspondence department make any changes. The lovely customer Service agent, XXXX, let me know that the reporting had been turned off and she did not have the ability to turn it back on. I'm furious that I have to take the time to write to them for something that should be automatic. I received an apology check in XX/XX/XXXX that upon " audit '' of my loan account " they may have made an error ''. I want my credit restored and I want them held accountable for their failure to do what should be there duty to the consumer. I'm not able to dispute the inaccuracy with the 3 reporting agencies since it is not showing up on my reports as an open account.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

So I called Nelnet through the XXXX XXXX XXXX XXXX XXXX was told that they dont remove things from credit reports but they still somehow falsely report to them though. Im a 100 % XXXX vet & I got my student loans paid off in XXXX of this year. On credit apps & other credit reporting websites, its still showing as a balance, which it shouldnt. Not only should it not show that information, but the loan borrowing dates are incorrect & these loans are over 7 years, so they should also be off of my account for that reason as well.