davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
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: ENCORE CAPITAL GROUP INC. (CT)

I sent Midland Credit a letter asking to verify all and any debts by sending documents proving that the debt belongs to me, any payment history and statements and my original signature. I never had a contract with Midland Credit Management for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received 2 letters dated XXXX XXXX stating that my credit card applications have been denied but I didn't apply for any. I looked at my credit report and there is also a 3rd card application on XX/XX/XXXX that I haven't received a letter about yet. All inquiries are from XXXX XXXX
Consumer complaint received 2023-12-25
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: EQUIFAX, INC. (MI)

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 Theses inquiries are on my credit report that Im am not aware of
Consumer complaint received 2023-11-24
Product: Credit card — Store credit 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: CITIBANK, N.A. (IL)

I was a victim of identity theft in XXXX of this year.I placed a security freeze on my credit report as a result. there was a fraudalent purchase made on my credit card on XX/XX/XXXX at XXXX. the purchase was made at the same time on XX/XX/XXXX I was present at work at that actual time.I called the credit card company and disputed the charges. the credit card company contacted me on XX/XX/XXXX to inform me that their investigation for the disputed charges was not in my favor and i will be rebilled for the charges on my credit card account.the credit card company did not ask for documents during their investigation until after XX/XX/XXXX when they denied my disputed charges. i provided documents to the credit card company and waiting to hear back regarding my documents.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 Account NumberXXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (OK)

This debt is over five years old and should be removed from my credit report. Oklahoma statue of limitation for contractual debt is five years, and I reside in the state of Oklahoma. My last date of activity for my synchrony bank account is XX/XX/XXXX, but LVNV has inaccurately reported the date of XX/XX/XXXX. I asked for documentation from LVNV due to the inaccurate information and documents supplied from them confirm my last date of activity for synchrony bank was indeed XX/XX/XXXX. I have also filled a motion to dismiss in XXXX XXXX court due to LVNV inaccurately reporting the last date of activity, and removal on my credit report. XXXX removed LVNV from my credit report, and XXXX removed it at first but then placed it back on my credit report, because they claimed LVNV said the information is correct. I even gave XXXX the documents from LVNV showing that the dates are incorrect and that the restarted my date of debt that is now outside of the statues of limitation. I have filed XXXX disputes regarding this with XXXX. XXXX online, and another over the phone with all the required documentation. XXXX is refusing even with the documentation to remove this from my credit report even though it is outside of the statue of limitations in the state of Oklahoma. LVNV has been sued several times for restating the debt on consumers credit report and continues to do the same today. Attached are the statements from LVNV showing that the debt is over five years old and in the state of Oklahoma is no longer within statues to collect.
Consumer complaint received 2023-07-08
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. (NC)

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. 

I told the Experian to reinvestigate the following accounts, 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-12
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. (PA)

The family educational rights and privacy act ( FERPA ), a federal law enacted in XXXX that protects me from the privacy of student education records for XXXX. Any public or private elementary secondary or post secondary school under 20 USC 1232g ( b ) this needs taken off my report immediately.
Consumer complaint received 2023-11-24
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (OH)

I am not liable for this debt with I C System. I do not have a contract with IC System, they did not provide me with the original contract as requested.Years ago I did a trade in and switch Phone Providers in which they were suppose to pay the remaining account balance {$1400.00}
Consumer complaint received 2022-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone used my debit card to send {$2000.00} to XXXX through a company named XXXX. I did not authorize this transaction nor I know anyone from that country. Bank of America denied my claim Claim number XXXX
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC. (FL)

Per bank this account was opened by my ex and I was the joint account holder, however, this account was not opend in my will and I never use this account, I didn't know this account was having a {$83.00} overdraft fee charged caused by the primary account holder, and ally bank never send me any notification or letter or phone call to let me know this issue, they just reported this negative balance and put negative mark on my XXXX report : ( I found this account has this overdraft fee reported to my XXXX credit report on XX/XX/2019 and then I immidately contacted Ally Bank explianed the issue, but they reject to remove the negative mark on my XXXX report and asking me to pay the {$83.00}, however, I never receive any letter or phone call from Ally bank regarding this account negative balance issue. I be forced to pay the {$83.00} to end this issue which was not caused by me, and after it I have contacted Ally bank multiple times by phone and mail, they still reject to remove the negative mark in my XXXX report, and all mail I sent to them they never response me back.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am a XXXX customer with an active account that is in good standing. A few months ago, I started receiving letters in the mail stating that I had a bill of {$1000.00}. I immediately logged into my XXXX account and saw that it had nothing to do with me, so I assumed it was a scam and ignored it. However, after receiving the same bill XXXX times, I called XXXX to ask them what it was about. They told me that they didn't know and that my normal account was fine. I asked them to remove it from my name, and they said they would. 

However, I continued to receive the same letter repeatedly, so I called XXXX again to ask what was happening. The person on the other end of the line informed me that the account had come back as accurate. When I asked why they hadn't contacted me, the person didn't know what to say. They then called the XXXX department, who advised them that it was a mistake made by a XXXX representative in store and that customer service needed to cancel the account. They assured me that it would be taken care of. 

However, by this time, the account had been linked to my XXXX and reported on my credit report as a missed payment. I asked the person on the phone to ensure that it was removed from my credit report, and they assured me that it would be done within XXXX business days. This was before XX/XX/2023. After a few days, I checked my credit report again and saw that it had been sent to a collection agency. After spending more hours on the phone with XXXX, I realized that the previous agent had closed the account but had not removed the balance, leaving me in a more serious problem, which was a collection. They advised me to file a dispute, but it did not help. 

Now, I am fed up with XXXX. I have not been able to obtain more credit because of this issue, and nobody at XXXX is taking it seriously. I don't understand why, if a XXXX representative made a mistake, it should be my responsibility. I am extremely upset and want to sue them for this. Additionally, they should erase this delinquency from all three credit agencies.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I recently became aware that unauthorized fraudulent addresses, names, inquiries, and name misspellings have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.
Consumer complaint received 2023-09-06
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: BARCLAYS BANK DELAWARE (VA)

On XX/XX/XXXX I received a fraud alert from Barclays Credit Card services that 3 charges from XXXX had been posted to my account. I called Barclays customer service within 30 minutes of receiving the notice and explained all 3 charges were fraudulent. I was told they would remove all three charges. I asked if I need to destroy my credit card and be supplied a new card but was told that was not necessary. My XX/XX/XXXX statement showed the 3 charges were removed. I received my XX/XX/XXXX statement on XX/XX/XXXX and one of the 3 charges in the amount of {$110.00} was listed on the statement. I checked my XXXX Account and there was a charge in the amount of {$110.00}, but it was listed to a credit card with the last four digits XXXX, ( see attached statement ). My credit cards last four digits is XXXX, see attached statement. I called XXXX 's fraud investigation and spoke with XXXX, she informed me the vendor had provided documentation that was acceptable to XXXX 's so one of the 3 charges was reinstated on the statement. I explained this was a mistake and ask to speak with a supervisor ; I was denied. I requested and email address and was denied. XXXX XX/XX/XXXX at XXXX XXXX, I spoke with XXXX XXXX after I provided him my name and account number, I was told the computer system was down and I would need to call back. At that point, I filed a complaint with CFPB.
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (AZ)

I opened an account with MoneyLion. After using them for several months, they stated that they were closing my accounts because they don't like my spending habits. They also said that since I had " unusual spending '', that they refuse to give my money back. I had money in a checking account, a crypto account, and a small investment account. I asked them several times and they refuse to refund it. 

I also was abused by their usary loans. They will give you up to {$100.00} until your next payday for {$7.00}. They claim it is not interest, but a fee. Buf if you do the math, they are getting the equivalent of a 7 % return in 2 weeks which is off the charts. If you only need the money 1 day before payday, still {$7.00} which would extrapolate to thoousands % interest per year. I tried to find them on the XXXX XXXX XXXX website but can not even find the company or the parent company. I am just requesting that they refund the money that they froze, around {$100.00}.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2015 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2023-11-24
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX I mailed a certified letter to Dillard's/ Wells Fargo . The letter explained the inaccurate reporting on my consumer report. According my consumer report from XXXX and XXXX this credit card account was charged off in XX/XX/XXXX. According to IRS Publication 4681 you must report canceled debt as gross income on your tax return. The lender must file Form 1099-C and send the consumer a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity. I never received Form 1099-C. Dillard's/Wells Fargo is in violation of 15 USC 1681 s-2. I requested my copy of Form 1099-C and the deletion of the account from my consumer reports. Dillard's/Wells Fargo responded with a letter dated XX/XX/XXXX in which they stated we are unable to complete your request because if can not be determined what information is in dispute. I resubmitted the letter I sent with highlighted areas of concern. Dillard's/Wells Fargo responded with a letter dated XX/XX/XXXX stating that the information is accurate. Dillard's/Wells Fargo did not provide accurate information necessary to validate my request.
Consumer complaint received 2023-07-08
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)

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. 

I told Experian to reinvestigate these accounts : 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  However XXXX Experian stated they will not take any action because they did not believe it was sent and authorized by me, which it was. Open dates, date of last activity and much more is on my report incorrect and should be modified according to 15 USC 1681i ( 5 ).

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case that will be attached.
Consumer complaint received 2023-08-02
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. (IL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-12-25
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: Neon Newco Corporation (TX)

I bought 5 " NETSPEND '' Visa cards at XXXX in XXXX XXXX AZ to send to my grandkids and daughter for XXXX. 
After purchasing them and opening the packets the instructions looked complicated for a XXXX and XXXX XXXX XXXX. Thus, I tried to get them authorized, first online and then with multiple phone calls. The first took 30-45 min and several calls. They wanted my SS # which I did not think was necessary. After several minutes I found out if one were to use them at stores the SS # was not needed. This was difficult info to get from the reps who spoke poor English. 
It took approx. 3 hours to get these cards all authorized. I decided to spend them at XXXX where I'd gotten cards before. NONE OF THEM WORKED! LATER THE DAY I WAS ABLE TO USE ABOUT {$80.00} at a Resturant, but only 2 cards worked.I later called to get a refund but couldn't access that function on the phone menu. Disgusted, I quit. I spent about {$190.00} on the and was only able to use about {$80.00}. I think these are a scam. XXXX refused to give me a refund. the companies issuing these were " XXXX XXXX XXXX, licensed from Visa USA , Inc ( 4 cards ) and XXXX, also licensed from VISA,