davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC (CA)

First Source has reported these discrepancies on my credit report illegally because when I chose to opt out from them reporting anything to third party companies, they did not comply and it states in US Code Title 15 Chapter 94 ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. The company has reported inaccuracies to my credit report fraudulently. I requested a contract and have never received anything on the matter.
Consumer complaint received 2024-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (GA)

Last evening, I received two direct deposits from my employer. One was my normal check and one was my performance bonus. 

This morning at XXXX, I received an email from PayPal stating that my account has been permanently disabled and that they are holding my money for up to 120 days. 

This is absolutely unacceptable. How my account has been permanently banned for a normal transaction ( my paycheck and bonus ) is one thing. 

The fact that they will not let me withdraw MY MONEY is absolutely not ok. It is my money and I want it now so I can put it with a trustworthy financial institution.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

The following companies ran unauthorized credit report on me..  XXXX XXXX XXXX XXXX.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am filing ths report since Experian ignored my recent dispute. This account that keeps appearing unredacted on my Experian report is not mine, I have furnished Experian with an identity theft report yet they have not removed this. 

This item does not report on XXXX or XXXX, only Experian. Please look into this matter and please correct this error on their part since their reporting me negatively is really affecting my otherwise good credit.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (MS)

I was traveling out of town due to the death of my father and was not able to handle the payment of my credit card and wanted my card to be current for I had this credit card for years and wanted to remain in good standing so my brother told me that due to our fathers death he would take care of my balance but unfortunately after the complete balance was paid off in full my account was closed due to authenticity and the credit card department told me I needed further authenticity to reopen it that if I showed I was on the account that paid off the balance they would reopen my account I never knew if my account was paid off in full my account would be dealt with in such a despicable manner but due to the death of my father I was unable to handle my affairs in a prompt manner so my brother willingly assisted me to correct the high balance I never knew it would create such a big problem infact when I logged on it showed as if it my account was still open but now its closed due to paying the entire balance off in full which is ridiculous so not only am I dealing with the death of my father I am being penalized for paying in full a credit card
Consumer complaint received 2024-01-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CO)

I have been telling Navient for since XX/XX/2023 that I am unable to make payments and they have not been willing to work with me. They all me every day at least 5 times a day even though I have told them that I will call them when I am in a better financial situation. 

They have now started calling my friends and family. I am not sure how they obtained their contact information, but I have received XXXX phone calls today just from family members along with XXXX missed phone calls to my number from navient. 

This is harassment. They are leaving messages for my family saying that they need to find me or a final decision will be made without talking to me.
Consumer complaint received 2023-12-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (CT)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-01-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (PA)

On XX/XX/XXXX, {$1700.00} was paid to Kia Finance company for my XXXX XXXX XXXX. The bank charged it back on XX/XX/XXXX and it was removed from my Kia account. I spoke with the bank and rectified the problem and they cancel the dispute and said it was a good charge and would not seek out to collect the money back. Kia said they sent the money back same day on XX/XX/XXXX and said it goes back immediately however no funds have returned to my bank and the back has said they have not received anything. At this point, XX/XX/XXXX, I have yet to receive my money back from Kia and they have removed it from my account and can not provide me any information on the missing funds and are essentially stealing the {$1700.00} from me. They also are now telling me that they never received the funds.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

I went to the atm to do a cash deposit of {$200.00}. A followed the prompts and put my money in the slot when directed. A few seconds went by and it sent one of the XXXX {$20.00} bills I had placed inside. I removed it but the door stayed open. After a few seconds it said to remove the bills but I already had taken the one bill it sent back out. Then after a few more seconds it closed the door and said my transaction was canceled and my money had been retained. I tried to do this after hours so I called the banks XXXX number immediately. They said they would treat this as a fraud claim. That is not what this is. Its an ATM failure. They told me it would two weeks to get a provisional credit. So I went into the branch the next day and was told they dont service the atm themselves. A third party does. I was told that when they come in my money will likely be found and my account credited but that hasnt happened. I need someone to advocate for me or at least advise what I need to do. Thanks
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX has violated my rights 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 1681 c. ( 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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (CA)

Company XXXX called informing me they will take legal action for a debt I'm not aware and it is from 2010, when I requested identification for the law suit lawyer the person on the phone XXXX XXXX stated threatening me with legal action, a judgement against my property, I requested to e send information via email and they sent a docusign document that I refuse to open and signed, I called back to request to please send information about this debt via fax and/or mail, they did not provide and told me aggressively I was being childish and they will not provide any further proof of debt and take me directly to court. 

I kept calling XXXX XXXX to get more information regarding the company and law firm and she said to stop calling and they will take me to court
Consumer complaint received 2024-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Attention : XXXX XXXX, Consumer Resolution Department Dear XXXX XXXX, I am writing in response to communications from XXXX XXXX XXXX XXXX regarding a debt allegedly associated with my name, originally referred by XXXX XXXX, with a claimed amount of {$6500.00}. Not only have my previous requests for debt validation and cessation of communications been inadequately addressed, but there has also been a notable misidentification in your correspondence, including an incorrect gender reference. Such inaccuracies further complicate this matter and cast doubt on the legitimacy of the debt attributed to me. 

I specifically request XXXX XXXX, XXXX to clarify your interpretation of " cease communication '' as it applies to direct communication with me and the reporting of this account to consumer reporting agencies. According to consumer law, my demand to cease communication is inclusive of all reporting activities to these agencies until the debt is properly validated. 

Additionally, it has been observed that your records might erroneously associate multiple individuals named XXXX XXXX with this account. The provided documentation has failed to conclusively establish the debt as mine, and references to the account holder using incorrect gender pronouns suggest a significant discrepancy in your records. This error not only questions the accuracy of your data but also underscores the critical need for a thorough review and correction of the information you maintain. 

In light of these concerns, I insist on the immediate cessation of reporting this unverified debt to consumer reporting agencies, in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of information reported by furnishers like XXXX XXXX, XXXX. 

Furthermore, to evaluate the validity of your collection efforts, I request a copy of the agreement or contract between XXXX XXXX XXXX XXXX and the original creditor, XXXX XXXX, which grants your agency the authority to collect this alleged debt. 

This letter serves as a formal dispute of the debt and a demand for its validation, pursuant to the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). I expect a comprehensive investigation into these matters and the provision of the requested documentation without delay. 

Failure to address these issues adequately will compel me to consider further actions, including filing complaints with regulatory authorities and seeking legal advice. 

Please ensure that all future communications regarding this matter are conducted in writing, to facilitate accurate record-keeping. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-10
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: Experian Information Solutions Inc. (FL)

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. 

XXXX XXXX CT-EAST DIST MIC XXXX, has violated my rights. 

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 an 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 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (NV)

Web administrator acting as dictator over customer account. 
Web app & mobile app displays closed-end account of a false alias when given name is an open end account. Banker stated on the clerks side of computer ; given name is viewed correctly than on customer side of mobile application a false alias is displayed with closed end credit account.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MO)

On XX/XX/XXXX, I used mobile deposit to deposit a check in the amount of XXXX from XXXX XXXX check number XXXX. On XX/XX/XXXX, I spoke to a XXXX over the phone that funds would be available on XX/XX/24. I also chatted with a rep and in writing was provided with a deposit date of XX/XX/24 as well. 

On XX/XX/24, I received a message stating that my deposit is taking longer because the have information that the check will not be paid. 

Once again we are talking about a check from XXXX investments with assets of XXXX XXXX dollars. 

I tried to escalate but that has been fruitless and I have not been provided as to why Ally believes this check may not be paid. 

I worry that Ally is not financially solvent enough to provide the funds and has stolen my deposit.
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (GA)

I purchase my domain names from XXXX. I make annual renewal payments. Firstsource Advantage have been emailing me stating I owe them {$32.00}. I renew my annual payments directly with XXXX. I do not have a pass due balance and I have never authorized XXXX XXXX XXXXXXXX XXXX to have access to my Go Daddy account. I have never signed an agreement with XXXX XXXX XXXX, XXXX. I have never signed an agreement with Firstsource Advantage. I have called and asked them to stop emailing me, contacting me for payments. At this point I feel as if they are trying to extort money from me.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc. (TX)

Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-22
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: Consumer Portfolio Services, Inc. (MI)

Upon Checkin my Credit report, I noticed these unauthorized inquires on my credit report and have suitable reason to believe I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (CA)

I assert that the reported account is invalid. COMENITY CAPITAL/ULTA must verify under oath its validity, ensuring it is free from any claims and defenses, including breach of agreement, failure of consideration, or material alterations. Additionally, COMENITY CAPITAL/ULTA must confirm the original lender-provided value. 
COMENITYCAPITAL/ULTA XXXX
Consumer complaint received 2024-01-26
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: GOLDEN 1 CREDIT UNION, THE (CA)

I am writing to dispute a hard inquiry listed on my credit report that I believe is inaccurate and unauthorized. The details of the inquiry are as follows : Creditor Name : THE GOLDEN ONE CREDIT UNION Inquiry Date : XX/XX/year> I did not authorize this inquiry, and I have no record of any recent application or credit request with the mentioned creditor. As such, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report. 


I understand that, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days. I request that you conduct a thorough and timely investigation into this matter, notify me of the results, and make the necessary corrections to my credit report.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CA)

I received two emails today about a new account opened in my name. When I called as instructed by the email if I did not open the account, I was given the run around by XXXX  that were hard to understand telling me they couldnt help me if I didnt provide me name and last four digits of my social. I refused. Without that, they refused to help me to find out what account was opened or to close it.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AR)

possible identy theft. received calls from 2 companies stating someone has tried to open new accounts. called a new one, and they flagged as fraud. we called all 3 credit agencies, and 2 put a fraud alert. however, equifax refused to do it on line or via phone, and demands we send letter with ss, dl copies etc. in order for them to put a fraud alert on my account. they refused to tell us anything except some info was missing from my account etc. This is going to delay a fraud alert with them and may cause futher damage. we are trying to get ahead of this, but they refuse to help except sending personal info by mail. this is prob from the breach of them who we were listed on, and they won't help.

All we want is a fraud alert NOW ... ... .not in another 2 or 3 weeks. Can you help!?
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MS)

Paypal got credit cards and bank cards and accounts in my name fraudulently, used the money and won't allow me to access any information. XXXX also obtained credit cards and bank accounts in my name along with selling my investments and has been doing this for years. I've never received any money at all nor have I ever met him. I can not access anything bc he has remotely been controlling my devices as well.
Consumer complaint received 2024-01-25
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (TX)

Hunter Warfield contacted me regarding a debt sent to them from XXXX XXXX . Hunter Warfield failed to read the documents that was submitted by XXXX, as it clearly states on item XXXX that all disputes will be handled between the Landlord and Tenant through binding arbitration. My account should not have been sent to collections and I have a legal right to dispute any charges per my lease agreement and not be subjected to harassment from a collection agency.