davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group (FL)

In XXXX, I had a judgement filled against me by XXXX XXXX for XXXX XXXX XXXX credit card debt. From going to the courts and requesting a copy of the paper work, I seen that the first garnishment was in XXXX to XXXX. I worked at XXXX for 1 day in the early XX/XX/XXXX, but quit because of my other job. The first garnished that I was aware of before seeing the paper work, was my paycheck in XXXX. My Employer collected the money, and requested an order to pay so the money could be sent out XXXX never replied, so my employer kept the money in their possession still waiting for their reply. I also seen from the paperwork that I picked up from the court, they cancelled that garnishment stating that I no longer work there. Till this day, I am still with that same company. Then in XXXX, they garnished our bank account for even more than the first time, even though the money was put to the side and they never responded to my employer 's request. This time I was informed by a friend that I could file for an exemption. At the exemption hearing, the judge did not want hear anything that I had to say about the previous garnishment. I just feel like there should be something that should be done, especially when not getting the money was their fault. I also feel like this was a game for them, because when I called to inquire about the garnishment, the young lady said XXXX XXXX. When I mentioned that previous garnishment where my job sent them a letter requesting an order to pay, she first said that she didn't know anything about that, and maybe it was from a different case. But when I persisted, that's when she said that it was cancelled, but after I was done, and as I was getting off the phone she said and XXXX. I thought that was very weird, but I thought maybe it's because XXXX XXXX and XXXX were affiliated. After doing some research, I found out, that they were not. That comment still somehow bothers me, and because of that comment I put down on my exemption that it wasn.t my debt. Which made me look like a complete XXXX at the hearing. 

Thank you, XXXX
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-11-22
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. (IL)

my information was sold and bought illegally because I was victim of the Equifax data breach I want these items Deleted from my credit report effective immediately I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing .Please help me delete these illegal accounts from my credit reports. 

US DEPT. OF EDUCATIONXXXX XXXX
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (SC)

On Tuesday, XX/XX/2023, Chime informed me that my account would be closed on XX/XX/2023 and that a check for any remaining balance would be mailed within thirty ( 30 ) days of XX/XX/2023 to the address that they had on file for me. No explanation of account closure was given besides a claim that I exhibited activity that violated the terms of the Deposit Account Agreement which I read and saw no violation on my part. XX/XX/2023 at XXXX, I contacted them to inform them that a customer service rep told me I was being sent a new card but also that my account was scheduled to close which it did. I asked for a status update on when my funds that were remaining in my account would be mailed and they responded saying quote The account will be closed on and is not eligible for a refund. After this email, I submitted an appeal to which they responded saying that my check for the amount was on the way, however, upon receiving said check on Thursday, XX/XX/2023 and attempting to deposit it in a bank account on Friday, XX/XX/2023, I was informed that the check was not verified and that I would have to contact Chime. Upon contacting Chime, I was told to try and deposit the check again. Saturday, XX/XX/2023, the bank told me the check was fraudulent and they were unable to deposit it. The check amount is for {$44000.00} which is the amount of my combined checking and savings accounts I had with Chime and they have communicated that they will not reopen the account so I can have access to my funds.
Consumer complaint received 2023-03-26
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. (AL)

Why are you still reporting inaccurate information on my credit file. I sent a dispute which you Experian received on XXXX/XXXX/XXXX  at XXXXXXXX XXXX XXXX XXXX  This is my 4th dispute about this same inaccurate account. You didn't do a proper investigation. You need to reinvestigate these issues and delete XXXX  account from my credit file because it's not accurate.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (PA)

I am unable to reset my Apple ID password due to the recovery feature being enabled. I was informed Id still have access to the card.apple website to manage my credit card, however Im unable to sign in because Im unable to reset my password. In order to gain access to the recovery key I need the password, in order to reset the password I need the recovery key. Despite being okay with losing a few hundred dollars worth in movies, tv shows and books I find it hard to believe that there is no way around the recovery key to reset my password to gain access to the credit card portal. I have access to the email set up as the recovery email, I have access to the phone number linked to the account in order to receive the MFA code and I can provide proper identification to verify my identity. The lack to help the consumer recover their account when needed shows the lack of willingness to work with the consumer.
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (SC)

WAKEFIELD AND ASSOCIATES obtained my XXXX consumer report on XX/XX/23. I have sent numerous letters asking why they obtained my report.They have refused and failed to respond to any of my communications. I wish to know the reason WAKEFIELD AND ASSOCIATES obtained my XXXX consumer report on XX/XX/23.
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management opened XX/XX/XXXX {$720.00} Midland Credit Management opened XX/XX/XXXX {$960.00} Midland Credit Management opened XX/XX/XXXX {$1100.00} Midland Credit Management opened XX/XX/XXXX {$1300.00} Midland Credit Management opened XX/XX/XXXX {$1400.00} Midland Credit Management opened XX/XX/XXXX {$4500.00} I have not supplied proof under the doctrine of Estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists pursuant to XXXX8 USC 8, L owe no debt, This company is violating my consumers right to privacy pursuant to 15 USC 1681-B2 Company has no permission to report my information per 15 USC 16814 . False payments received has also been falsely reported by company a {$1.00} decrease every week, which a violation of 15 USC I666b
Consumer complaint received 2023-07-31
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. (GA)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2024-04-30
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings (GA)

I.Q Data international inc has illegally bought my data from XXXX XXXX  without my consent 15 USC 1681b and 18 USC 1028a which is Identity Theft my name is copyright and have a UCC lien on my name. i sent them XXXX letters and told them over the phone to stop contacting and reporting my personal date to all credit agency. they didnt not listen which violate the fair debt collection act. So I filed a XXXX  report and contact XXXX They wrote me again talking bout my disputes has no facts like as if my name is not copyrighting or the FCRA laws dont mater and disreguard the fair debt collection act. They dont even have a license in the state of XXXX to even try to collect a debt. I never made a contract with them and I will not make one ever.
Consumer complaint received 2023-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC (FL)

XX/XX/2023 check for {$28.00} at XXXX refused payment by XXXXXXXX XXXX. I was never notified and XXXX does not keep a record it ever transpired. XXXX never notified me nor did their collection vendor XXXX Upon visit to store attempted check pay was denied. I was given paper advised call XXXX to pay. Upon contactcwas advised they would redeposit in a day or two. They never did. Follow up at store with XXXX advised call XXXX XXXX XXXX XXXX. They sent me to their XXXX XXXX who sent me back to XXXX XXXX who sent me back to XXXX. After a half dozen failed attempts I contacted the XXXX XXXX XXXX and we repeated the process. Attelps once again failed. Contacted store. She sent an email to corporate who's job to collect returned checks. They said call certify but she never ressponded. I then recieved Debt Collector notice they bought debt! I called store and spoke to XXXX XXXX. He is trying to assist. I then notified him I was calling debt collector to cease. SENT to answer machine. I left message AND IN FO to CEASE and DESIST notice. They do not provide any acknowledgement of receipt. Waiting on feedback from XXXX.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have two fraudulent credit cards reporting on my credit report, XXXX  and capital one. 

I didnt give anyone permission to open these cards. I have the police report and FTC report. I have 8 fraudulent inquiries on my XXXX report and 5 on XXXX report. 15 USC 168
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

Account name 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/XXXX I made an ACH payment to XXXX XXXX XXXX  for a loan in the amount of {$4300.00}. When I looked at my account, I saw the funds were pulled so the next day I closed my account and opened another one for personal reasons. On XX/XX/XXXX, I received a call from the creditor stating they did not receive the money and it was sent back to TD Bank. I called TD Bank on XX/XX/XXXX inquiring about the money and I was given the run around for several hours. I was transferred to 4 different departments yet no one knew where my money was. I went to a branch on Tuesday, and a supervisor emailed the department holding my money requesting that they return it to my account. Still nothing. I called TD Bank today and now theyre telling me someone will get back to me in 24-48 hours. This is ridiculous. Its my money and theyre intentionally holding onto it for reasons I cant understand. I need that payment back as my next loan installment will be due in a few days. I cant understand why they cant just transfer the money back into my account. Ive been a TD bank client for 20 years, I have hundreds of thousands of dollars in multiple accounts with them and this is how they treat a loyal customer.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MI)

1. credit card was stolen or lost, and about hundreds charges about {$7300.00} from XXXX to XX/XX/XXXX was charged in my American express XXXX. 
2. Card was barely used by us and we set up monthly automatic payment so I didn't find out card was lost or stolen until XX/XX/XXXX. 
3. XX/XX/XXXX, once we found those unauthorized charges, we immediately notify Amex, we were told no worries, Amex will refund us. 
4.Amex disputed some charges successfully within 1 week and the balance was about {$4600.00} after that, but no update after 3-5 months 5.We filed a policy report in policy department on XX/XX/XXXX, and detective took the bank statement for investigation, she checked many stores where card was used, and in the videos, neither me nor family member was there and she was able to find the same suspect. Report is attached 6.three months after we notified AMex, XX/XX/XXXX, card was charged late fee {$39.00} and interest fee {$110.00}, contact Amex, no resolution and no notification about the result of fraud case, one time chatting and call, was told case still open. To avoid further charges and interest we paid off the balance and other fees etc. 
6.Someday XX/XX/XXXX, finally one rep let us know case was rejected and we found an email XX/XX/XXXX in spam email saying case was rejected " According to documented company records, you advised us that the true Card Member is using the Card. This action is not considered fraud so we are closing this case. ", which the reason is not true. We didn't advise that and Policy report can prove it. 
7.We requested reopen the case, and XX/XX/XXXX Amex asked for charge details and statements in a mail letter, and we received the letter, and submitted the document successfully. 
8.XXXX XXXX XXXX, we missed a call from Amex, we thought it was fraud initially, but we called back, nobody answered. 
9. There was some credits showing in the card, total about {$1300.00} 10.XXXX XXXX XXXX, we contacted Amex via chat, and rep told us case was rejected again because we failed to answer questions which was sent vial email to another email address, which was not true after I confirmed with AMEX fraud team via call after that. 
10.We contacted Amex MANY times vial call and chat past 6 months, and was told wrong information, and amex is not protecting credit card holder also not efficient on dealing with dispute charges. also charge late fee and interest when the case was not closed nor notify us the status.
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX Account number XXXXXXXX XXXX XXXX  XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. 
Account number XXXX has violated my rights. 

XXXX ) XXXX XXXXXXXX XXXX Account number 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. 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 2023-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NE)

I used my Discover credit card to make a deposit for two custom breast collars ( horse tack ) for XXXX gifts. The gal that the breast collars were purchased from never sent them and stopped communication. I filed a dispute on the charges, as I never received them. I contacted Discover several times throughout the course as I never got any updates. I called in during the month of XXXX and a representative stated it looked like the case would be in my favor as the merchant had not replied. They just had to finish the paperwork. Month later still had not gotten any finalized paperwork. Finally, on XX/XX/XXXX, I received a email that they ruled in favor of the merchant. This is wrong as I never received my purchased items and there is proof of that! Also, by federal law, discover has 90 days to finalize a dispute. The dispute was filed on XX/XX/XXXX and did not resolve until XX/XX/XXXX.
Consumer complaint received 2024-04-25
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: CORELOGIC INC (CA)

Hello CFBC, I hope all well. I was appalled today when I login into my credit report and saw multiple unauthorized inquirys. Please see below the unauthorized inquirys. 

XXXX - Unauthorized Hard Inquiries Merchants XXXX XXXX  XXXX XXXX XXXX. CREDCOXXXX  XXXX. XXXX XXXX XXXX
Consumer complaint received 2024-04-25
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: CORELOGIC INC (CA)

Hello XXXX, I hope all well. I was appalled today when I login into my credit report and saw multiple unauthorized inquirys. Please see below the unauthorized inquirys. 

XXXX - Unauthorized Hard Inquiries Merchants 1. XXXX 2.XXXX  XXXX XXXX 3 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my credit profile in XX/XX/2022, I identified discrepancies between a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account. I requested validation for the late payments multiple times. I have not received any correspondence from the credit bureaus to validate these accounts ' payment history, nor have my credit reports been updated to reflect the correct payment history. Please strike and correct my payment history for these accounts to reflect no late payments or remove the accounts from all 3 credit bureaus until adequate validation has been received proving that all information is indeed correct. as this is negatively affecting my ability to obtain a mortgage.
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I notified Transuion that I am a victim of identity theft and there is fraudulent accounts reporting on on my credit report that I did not open or authorize
Consumer complaint received 2023-12-29
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: SYNCHRONY FINANCIAL (KY)

WROTE letter to opt out ( jcp credit card services ) from sharing my personal info, and i did not give consent to any inquires that's being reported to my credit report! 
also i called all THREE credit bureaus and they refused to remove inquires ( AN PROMO INQUIRES ) which is a violation XXXX $ each promo i never gave no one consent to peek into my report that's illegal ' and violation of the privacy act of 1974 and violation of 15 usc 1681b 1000 $ violation each and i would like to collect. FOR EVERYONE WHO WAS Involved in this fraud