davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-07
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: D2 Management LLC (CA)

D2 Management called my cell phone number and hung up so I called them back. CSR XXXX answered the phone and said " You owe for a cash advance and its for {$300.00}. '' I proceeded to tell her that I do n't owe it because I paid it off. She rudely responded with " I will put this on your credit and will let the company know you are refusing to pay it. '' Those were not my words. She hung up on me and I proceeded to call back. This time I got XXXX. She looked over my account and said I did not pay it off when in fact I did. I took out this loan in XXXX. In XXXX I paid off all of the advanced places I received a loan from. Making small payments while employed and unemployed. XXXX the let me know that XXXX was going to sue me UNTIL they saw the student loans on my credit report. She proceeded to argue stating that they will do a " hearing '' regarding my account. Its been 9 yrs and there has been no contact nor any letter. XXXX stated XXXX contacted me in XXXX and many phone calls and I hung up on them which is completely UNTRUE.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA (MI)

Purchases and payments totaling over {$15000.00} on a card with a {$8000.00} limit that were not authorized by me. My XXXX I.D . was hacked in XX/XX/2022. My personal Information was stolen. Spoke with XXXX and Goldman Sachs XXXX in XX/XX/2022 when I saw multiple fraudulent purchases and payments not made by me. XXXX specialist had me delete that i.d . and told start a new I.D . Specialist opened my disputes for the activity and closed the account. There were numerous emails and payment methods attached to the account that were not mine. All of my disputes keep getting reversed. This is the third time I have disputed and I have also filed a XXXX police reports.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Newport Intermediate Inc. (FL)

Since XX/XX/XXXX I have sent hundreds of requests to NorthLane XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so that they perpetually approve payments made with my account to XXXX XXXX XXXX XXXX XXXX so that I can continue my studies in this institution. every semester term I write to NorthLane in advance and ask to sort this issue and approve my payments, I send email messages and make long distance calls to them, and every time they decline my payments. I usually have to go through XXXX to XXXX weeks of messages and calls on a daily basis before they approve a payment, and yet again next semester term I have to go through the same problem. 

Recently, on XX/XX/XXXX, I wrote to NorthLane and placed the same request, but it is now XX/XX/XXXX and I still can not make the payment of my XXXX XXXX because NorthLane continues declining my payments. I am facing the possibility to loose my chances to enter classes this semester because classes started on Monday XX/XX/XXXX, which means my first study week passed and I can not attend my classes, and I only have XXXX or XXXX more days to pay for my studies before course payments are closed. If such thing happens, I will have to wait XXXX year, until XXXX, to be able to attempt to pay for my courses because the courses I want to take only take place from XXXX to XXXX. 

I only received a message from NorthLane this week on Tuesday, XX/XX/XXXX after I wrote to then again on XXXX XXXX XXXX  early in the morning. IN their message they say to try and make my payment after XXXX minutes or XXXX hours from having received that message. However, my payments continue to be declined and I am running out of time to pay for my courses and I already missed XXXX week of classes. 

I have continued to write to NorthLane and even called them, but they have not replied to my messages and have hung up my calls. If you check user comments about NorthLane, you will see this is a key feature of NorthLane, they ignore their clients.
Consumer complaint received 2024-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (TX)

I am writing to report fraudulent activity by Credit Management Company. This collections agency has now twice falsely claimed I owe money to a hospital I never visited. 

Most recently, on XX/XX/XXXX, they opened a collections account stating I owe a debt of {$810.00} to XXXX XXXX XXXX for an XXXX visit on XX/XX/XXXX. They told me the doctor was XXXX, I paid {$130.00} on spot, and that " XXXX XXXX XXXXXXXX '' is no longer a operational building for them to provide a location of this hospital I attended. When I contacted them using the number XXXX to dispute this, the representative tried to pressure me into paying a reduced amount instead when I let him know that I have no knowledge of this account. This suggests they are actively trying to defraud consumers by scheming with false information. They are still making attempts to contact my phone number from XXXX and have their outbound XXXX Caller ID displayed as " Account Services ''. 

The very first instance this occurred on XX/XX/XXXX as they emailed me from XXXX to XXXX putting me in collections asking me to pay {$360.00}. This was successfully removed after disputing with XXXX. 

I have never been to XXXX XXXX XXXX on XX/XX/XXXX and I know for a fact that I never go to an XXXX at all. I did not live at the address they have on file in early XXXX. 

I request a full investigation into Credit Management 's unethical business practices. They seem to be repeatedly fabricating debts in my name in an attempt to unlawfully collect money. This collection account is still on my credit report and has not been removed claiming that it is accurate. This is wrong. Please let me know if any other information is needed from me. I look forward to hearing the actions you will take in response to these serious allegations.
Consumer complaint received 2024-04-24
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. (MI)

I have recently reviewed my credit and i noticed a few hard inquires that are posted that i did not authorize. My credit was in fair condition and i am trying to keep it that way. I have never applied for any of these companies and i am requesting all of these hard inquires be removed please. I am a single fulltime father trying to better my life and my credit so i can buy our first home. In addition to the ones listed above please also remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
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. (CO)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX  Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am contacting you to request the removal of certain information from my file. The items needing deletion are outlined in the attached report. I am a victim of identity theft and did not authorize these charges. Correcting my credit report is crucial for me to proceed with purchasing a home. I have reported the identity theft to the Federal Trade Commission and have enclosed copies of their Identity Theft Affidavit for your reference. I kindly ask for your prompt attention to this matter and the removal of the items as soon as possible. Thank you. ''
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (CT)

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX PA XXXX Subject : Dispute of Late Payment on Account # XXXX To Whom It May Concern, I am writing to dispute a late payment that has been reported on my credit file. The relevant account details are as follows : - **Account # : ** XXXX - **Status : ** Open - **Credit Limit : ** {$0.00} - **High Balance : ** {$42000.00} - **Payment Amount : ** {$900.00} - **Last Payment : ** XX/XX/XXXX - **Term : ** 73 Month ( s ) - **Description : ** Joint - **Open Date : ** XX/XX/XXXX - **Last Reported : ** XX/XX/XXXX - **Days Late : ** 30 : 0 | 60 : 0 | 90 : 0 - **Payment Status : ** 30 Delinq - **Past Due : ** {$910.00} I have carefully reviewed my records and believe that there is an error in the reporting of the late payment status. According to my records, the last payment was made on XX/XX/XXXX, and there should not be any delinquency on the account. 

I kindly request that you investigate this matter and correct the information on my credit report accordingly. It is essential for my financial well-being that accurate and up-to-date information is reflected on my credit report. 

Enclosed with this letter, please find copies of supporting documents, including bank statements or payment receipts, confirming that the payment was made on time. 

I appreciate your prompt attention to this matter and request that you provide a written confirmation of the resolution once the investigation is complete. 

Thank you for your cooperation in rectifying this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-25
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. (NY)

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (OR)

Venmo is having an ongoing issue with their app where the users are not able to access the funds in their accounts. My funds are being held in my business Venmo account with no option to transfer them to my bank. The transfer button has completely disappeared. I have been trying to resolve the issue with the company since XX/XX/2023 ( over a month ) and every time I speak to someone they say there is no update but they will escalate it to the app engineers. I am told every time that I will be reached out to within 3-4 business days. As mentioned this has been ongoing for a month and no one has reached out to me. I have called every week for updates and they say the same thing- theyll escalate it, no update. They are unable or unwilling to facilitate a manual transfer, and have no option for me to receive the funds that are in my account. I asked if I am the only one who is having this issue and they stated, no, that its an issue many users are facing which means they can not access the funds in their Venmo accounts, either. I do not understand how this is acceptable. The customer service will not provide info for customers to be in contact with management or higher level of escalation. I am essentially stuck, with no options to receive the money I made through my small business markets. This is detrimental to my company as I need that money to pay bills. Etc.
Consumer complaint received 2024-01-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (NC)

On XX/XX/2023 I sent a debt validation letter to Credit Control Corporation to the address listed on my credit report. I don't recall receiving notice. I don't recall giving XXXX XXXX permission to release my medical information to a third party. I requested that they send me everything that XXXX has already sent them to prove I owe this debt. The amount they are claiming and that I owe them. I asked for some sort of agreement bearing my signature. 

When I did not receive a response. I sent a letter to XXXX, XXXX and XXXX XX/XX/XXXX  requesting they investigate. I also pointed out a number of inconsistencies. XXXX responded back to me at the address I used to send my letter saying they were not going to investigate because they don't believe it was me!!! XXXX said the same thing. The letter responses are a violation of my right to an investigation. XXXX did not respond at all.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc. (DC)

Dear FINANCIAL RECOVERY SERVICES INC, I am responding to your contact about collecting a debt that I do not owe to you. You contacted me By mail on XX/XX/year>, and identified the debt as a XXXX XXXX XXXX account as of XXXX in the amount of XXXX. I do not have any responsibility for the debt youre trying to Collect. 
I have never had an account with FINANCIAL RECOVERY SERVICES INC. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. 
Stop all communication with me and with this address, email address and phone number and record That I have dispute having any obligations for this debt. If you stop your collection of this debt and forward or return it to another company please indicate to them that it is being disputed, If you plan to report this debt to a credit bureau or have already done so please also report that the debt is being disputed. 

Thank you for your cooperation Sincerely
Consumer complaint received 2023-08-25
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: EQUIFAX, INC. (OR)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The Items I need deleted are listed In the report. I am a victim of identity theft and did not make the charge. In accordance to the FCRA I ask that the items be deleted immediately to correct my credit report. I reported the theft of my identity to the federal trade commission an I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-19
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 (NC)

On XX/XX/XXXX, multiple charges were attempted on my Barclaycard, several from merchant showing as XXXX. I was notified via text by the credit card company to call to confirm. I called in and advised an agent the charges were fraudulent. My card was closed, I was issued another one with a new number. The transactions never posted to my account. That is until XX/XX/XXXX, when I noticed that a charge from XXXX appeared on my acct for {$580.00}. I clicked on a button that said " dispute charge '' multiple times as there was no indication or confirmation that the claim was filed. The screen just returned to my account. I assumed I would receive notification that the claim was filed in the mail. 

Today, XX/XX/XXXX, I received a letter stating that a provisional credit had been placed on my acct previously for the full disputed amount for the transaction. It also stated the transaction was deemed valid based on merchant information provided and the provisional credit was removed. 

1. This is not an authorized charge. I have never made a purchase with XXXX. Multiple charges of varying amounts were attempted by XXXX on XXXX, all of which were disputed when called in. According to an agent I just spoke with, the others were " approved '' as valid claims, the one listed above was not. 

2. I was never provided a provisional credit, although the letter says I did and that it was reversed. I was never charged on XXXX, or on any subsequent date until XX/XX/XXXX for the {$580.00} purchase. When I asked the agent why I received an inaccurate letter, she stated that it was a general letter that applies to " most claims '' but acknowledged that it did not apply to my claim, as I was never provided a provisional credit nor did the transaction post. 

I've asked to receive the merchant documentation and to have the claim reviewed again. I'm currently pending the results of both requests.