davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

How am I supposed to make payments when XXXX XXXX was in full effect hindering all opportunities of income. On top of that it took XXXX  almost XXXX XXXX to 2 years to render aid during that crisis. Along with that the company I was working for XXXX XXXX XXXX at the time was stealing money out of my paychecks this was on going for 4-6 years before, during and after this alleged debt. I have proof of lawsuit filed against the company XXXX XXXX XXXX along with proof that XXXX  delayed financial relief. Between the company stealing money from my paycheck followed by XXXX, 4 months later. How can I possible manage any bill or bills for that matter. XXXX has taken advantage of this situation and is continuing to do so. The company XXXX XXXX XXXX  also took advantage of me, and united states government failed me during a natural disaster. I Lost Everything I was working hard for due to XXXX XXXX XXXX and XXXXXXXX XXXX XXXX doesn't care about its customer they hassled me nonstop during covid knowing of the situation. This is affecting not only my XXXX XXXX XXXX XXXX but also my credit report. this should be removed from my credit report in Good Faith again i have documented proof pertaining to this matter.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST PORTFOLIO SERVICING INC (OK)

I had just made my credit card balance to XXXX and was monitoring the card to be reported. I ended up losing my card, reported it, requested another one. Revvi allowed a transaction of {$290.00} to go through online with the card reported lost after I reported it lost. After contacting them, the representative reported the card I was waiting on as lost. It was wrong. Once I got the new card, I was activating the card and that's when I was told the card was canceled because I reported the {$290.00} transaction. I explained I reported my card lost, they allowed the transaction after I reported it and tried saying it was the other card. They then sent another card. I filled out disputed paperwork and they denied it saying it was a online purchase to a XXXX. I don't know anything about it. I told them I lost the card, reported it, canceled it, and they allowed the transaction after it was canceled. I was so furious. I told them to close the account. They did and still is accruing fees and reporting to the bureaus knocking my score down tremendously by XXXX plus points.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (MD)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

I purchased a dress from XXXX. I purchased a wedding dress for the amount of {$82.00}. The transaction was authorized on XX/XX/XXXX. 
On XX/XX/XXXX, I returned the dress. I shipped back to them and followed the instructions given by them. On, XXXX, I received a credit for the full amount. 
On XX/XX/XXXX, I was charged again for the same transaction. XXXX stated that the dress was not received despite their system saying that merchandise was Received. Now, I dont have the dress and Im out of my money.
Consumer complaint received 2024-05-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

This company has engaged in abusive unfair and deceptive practice of the fair debt collection practice act. The furnished an account that we have not agreed upon or did i have knowledge of. I have never signed an agreement with them. A legal contract insist of two parties and I did not agree or praticipate. Even more so they didnt follow the proper 5 step validation procedure which makes it unfair practice according to the FDCPA.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (LA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have XXXX hard inquiry 's Damaging my credit score that were from over XXXX years ago, Please Remove ASAP XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-06-12
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. (TX)

XX/XX/XXXX on XXXX completed a non-impactive pre-authorization for a car. on XX/XX/XXXX, in XXXX, Texas i purchased a vehicle at a dealership. in XXXX i contacted the three credit reporting agencies regarding fraudulent and unauthorized information reporting on my XXXX accounts credit profile. " XXXX '' nearly got everything correct. They refused to remove a fraudulent XXXX from XXXX Bank. JPMC bank reported a XXXX credit inquiry, which was ran referencing an EIN, onto my XXXX 's Credit profile. " XXXX '' and " TRANSUNION '' in response to my request to report accurate information, took action that have negatively impacted me and refuse to do whats right. " XXXX '' has been fraudulently accepting my payments of remittance coupons and not reflecting them onto the statement of the account. There should only be XXXX Credit Inquiries on my XXXX accounts credit profile. " XXXX XXXX '' XX/XX/XXXX and " XXXX, Texas car dealership '' XX/XX/XXXX. all other inquiries are the direct result of Fraud, Misrepresentation, concealment, or discrimination. " XXXX XXXX '' became trustee of the trust & failed to fulfill its fiduciary obligation of providing me, the beneficiary, with any benefit. The three credit agencies profit from reporting fraudulent information and take too long to correct issues once brought to their attention.
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (NV)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX, NVXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$1200.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-07
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bounce AI, Inc. (FL)

I have asked this BOUNCE AI, a debt collector to verify this debt that this was truly my debt a total of 5 times within the last XXXX months and they have refused to do so. The law states that under : 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.

BOUNCE AI Never Sent the periodic statement along with the disclosures from section 1637 ( b ) or under 1681 EI.

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! 

I need this entity to promptly remove this from my credit reports as soon as possible.
Consumer complaint received 2024-06-26
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. (MI)

Transunion, XXXX, & XXXX are reporting XXXX inaccurate accounts and they refuse to remove them. This accounts do not belong on my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX. I demand they actually documents used to state these account belong to me. You have 7 days from the filing of this complaint to turn it over or I am filing a lawsuit because you are causing me problems. XXXX I have already filed a lawsuit against you.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-04-02
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: Experian Information Solutions Inc. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX  - XXXX EMPLOYER - XXXX  Incorrect Address - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX - Incorrect DOB - XXXX  Incorrect Name - XXXX XXXX XXXX
Consumer complaint received 2024-04-02
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: Experian Information Solutions Inc. (OK)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-06-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (OH)

Subject : Formal Complaint Against LVNV Funding LLC for Violations of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against LVNV Funding LLC for multiple violations of my consumer rights under federal law. Below are the specific issues and corresponding legal references regarding LVNV Funding LLC 's unlawful actions : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) : LVNV Funding LLC has placed a collection account on my consumer report without providing the necessary validation information as required by law. This failure to provide validation information impedes my ability to verify the legitimacy of the debt and constitutes a clear violation of my consumer rights. 

2. Denial of Dispute Rights ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of opportunity to dispute the account violates my right to challenge and verify any alleged debt.

3. False, Misleading, and Deceptive Practices : LVNV Funding LLC has employed false, misleading, and deceptive means in their collection practices. They have misrepresented the status and validity of the alleged debt on my consumer report, which constitutes a violation of my consumer rights. 

4. Unauthorized Furnishing of Account Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : LVNV Funding LLC has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures by law. Their actions are in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Given these violations, I am formally disputing any and all debts claimed by LVNV Funding LLC. Additionally, I am exercising my right to revoke all communication permissions, including email, text, and phone calls. 

In my previous correspondence with LVNV Funding LLC, I have requested the following without receiving any satisfactory response : 1. Debt validation.

2. The purchase agreement between LVNV Funding LLC and the original creditor.

3. Proof that LVNV Funding LLC is licensed and bonded.

I respectfully request that the Consumer Financial Protection Bureau take immediate action to investigate these violations and ensure that LVNV Funding LLC complies with all applicable laws and regulations. Furthermore, I request proof of certified mail receipt for my records.

Thank you for your attention to this matter. Please contact me if you require any additional information. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-03-17
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I was at HSBC branch on XXXX & XXXX in XXXX today around XXXX. Before I got on this long line at downstairs foreign exchange office, I showed one of the tellers that I have old Pound Sterling currencies which I would like to exchange back to USD. The teller nodded " ok, just go to the end of the line ''. I got at this very long line, waited nearly 30 minutes, however, when I got to front of the line, teller XXXX told me " these money are old, we can not accept '' ; she further told me that these money are good to use only in XXXX, but foreign exchange office in HSBC bank no longer accepts them. Well, I felt so mistreated!!! Why ca n't her colleague, ( the teller I showed these old money to ) notify me before I got on this very long line to wait??? 

I spoke to HSBC assistant manager XXXX, who seemed have no clue with foreign exchange policy, she kept me wait for another 10 minutes, claimed " she needs to check with the tellers '', she had no idea what types of currency notes HSBC can or can not accept, I showed her again these old XXXX pound money, she was so unsure and did n't even know what guideline as what could be accepted. I requested since the teller MISINFORMED ME that it was ok for me to wait on line to exchange and I took her WRONG advice to wait online. HSBC should at least respect customer 's time and honor this one time exchange!!! However, both XXXX and XXXX had ABSOLUTELY NO CONCERN OR RESPECT to customer 's time, they both refused to honor my one time request to change my XXXX pounds to US dollars. 

I totally wasted 40 minutes of my lunch hour with DISRESPECTFUL HSBC customer service reps and get no results!!! I had been a customer with HSBC for long time, I totally do not deserve this treatment.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (CA)

In accordance with the fair credit reporting act, this creditor XXXX - GENESIS RETAIL has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (IL)

I have my current Credit Report and I saw that the inquiries that I requested to be removed are still reporting and no one even sent me a response the reason of why Experian have not remove this from my credit file. I am reaching out to highlight my serious concern about these fraudulent inquiries that are reporting in my credit profile. I didn't have any knowledge nor did I authorized these companies to have my credit report pulled for whatever their purpose is. This is a breech on the security of my data. Please have them block all unauthorized and fraudulent inquiries on my file. Here is the list below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-04-02
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. (NC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. MY PERSONAL INFORMATION WAS STOLEN IN A NIGHTCLUB XXXX, AND I WAS ADVISED TO CONTINUE TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/XXXX ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.