davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX Date of birth XX/XX/XXXX  I just received my investigation results, and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681. ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 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 Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX  XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXXXXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Thank You,
Consumer complaint received 2023-09-01
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (FL)

ATM fails to dispense {$200.00}, charged to Amex Serve Account due to acknowledged Amex Serve system error. 

I am the multi-year primary American Express Serve Account Holder, my subaccount holder tried to withdraw {$200.00} from an ATM which responded, " unable to process at this time ''. But the {$200.00} was deducted from her account. 

I have spent over two hours on the phone with Serve support because they wouldn't speak to my subaccount holder, because while she verified all the information on her account, she couldn't read the three-digit code on the back of her card. I have paid {$20.00} for expedited replacement of that card. 

I have spoken twice with XXXX ( Supervisor XXXX ) - he took the replacement card order, transferred me to " Billing Disputes '' and when they wouldn't help, I was sent back to XXXX. 

XXXX in Billing disputes has raised a dispute which she says will take XXXX business days or longer. She also states this is a known Amex Serve system issue, but they will not make it right, and sent me back to XXXX.
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Resurgent Capital Services L.P. (LA)

LVNV Funding is in violation of : 15 USC 1692 C ( A ), 15 USC 1692 D ( 2 ), and 15 USC 1692 C ( A ) I do not have any contract with LVNV Funding and never received one after a request was made. What they sent ( a print out of an alleged bill ) is not acceptable and illegal. Even the print out said information may not be accurate.

This collection is INACCURATE and needs to be deleted immediately! I do not owe this collection company and have never signed any documents or agreements with them! This is in violations of the XXXX laws!. **This collection account is not accurate, verifiable, nor is it compliant to XXXX or FCRA laws. Fraudulent misrepresentation is a crime punishable by the law and you are committing it Also you are violating my consumer rights to fair credit reporting. Please delete this off my report! Let me remind you of the importance of removing any unproven claims from your reporting about this account. As the data reporting provider, it is imperative that you adhere to the minimal criteria required to report with the privilege to do so. Failure to meet these standards raises concerns about the validity of any and all claim that you make, especially with regards to the mandatory XXXX XXXX Compliance standards. As you are aware, these standards are clearly outlined in the XXXXXXXX XXXX nearly annual XXXX, which stipulates that any deviation from these standards risks compromising the integrity of the data. 


Please DELETE ASAP!
Consumer complaint received 2024-01-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rausch Sturm LLP (FL)

Please, before reading this complaint, refer to my previous complaints : XXXX and XXXX. 
Yesterday, XX/XX/XXXX, the sum of {$720.00} with XXXX ID # XXXX and the XXXX XXXX processing fee of {$120.00} was debited ( stolen ) from my XXXX XXXX checking account. When I called XXXX XXXX they informed me that this belongs to a garnishment imposed by XXXX XXXX XXXX. This company on XX/XX/XXXX sent me a Notice of Garnishment Dismissal ( See attached letter ) stating that they voluntarily dismissed the garnishment. After that I have not received any new communication from XXXX XXXX XXXX  or its attorney so I assume nothing has changed. The money charged is NOT even earned income because I am unemployed. ( please read my previous complaints for a better understanding ). The account was overdrawn once again and I don't understand why my bank admits making these types of charges without the authorization of me as a customer. 
I repeat, I have not received any new communication from XXXX XXXX XXXX  or its attorney. 

I'm attaching the response from XXXX XXXX to my last complaint and the solution I received by mail.
Consumer complaint received 2017-12-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (PA)

On XXXX/XXXX/XXXX XXXX XXXX tried to collect a debt of {$1600.00} from me. This is the wrong amount it was only {$1000.00}. They also have been sending me letters for 3 years threatening me.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC (SC)

Due to me purchasing a home, I reviewed my credit report. I found many discrepancies. First listed on account was a charged off from XXXX XXXX ( XXXX ) The amount listed was for XXXX dollars because it was charged off. I was never informed that the account was sold to XXXX XXXX  XXXX. For the amount of {$2300.00} I received a phone call with this information and advised that all collection efforts needs to cease and to provide the following documentation ( disputed account ) : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined? 
To date I have not received any of the requested documents. 
XXXX XXXX failed to notify me that the debt was brought and allow me time to dispute. XXXX XXXX Failed to send notification via mail to formally dispute account. My rights as a consumer has been violated due to failure to notify and for reporting inaccurate information. 

Also, There is an additional account reporting from BMG loans at work LLC with an amount of {$2300.00}. 

BMG Money, XXXX XXXX and BMG loansatwork are duplicating allege debt amount and hurting my credit profile. 

This a clear violation of FCRA laws for failing to : -notify every credit reporting agency involved that you dispute the debt -submit corrected information to the credit reporting agency subsequent to investigating your dispute -refrain from continuing to submit information that it knows ( or should know ) is incorrect -conduct an internal investigation of your dispute within 30 days BMG is double dipping by charging off the account as a loss, selling the alleged debt and reporting an owed balance under a different companys name. 

I also dont recall giving BMG Money authorization to contact me via email.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (NY)

Here is an example of a fee taken from my account : XX/XX/XXXX, XXXX for Non-Citibank ATM use - {$5.00} {$290.00} Transaction Date XX/XX/2024 XXXX XXXX XXXX Posted On XX/XX/2024 Transaction Type Fees I was asleep at XXXX on XX/XX/XXXX. I called and asked WHAT ATM ( location ) I withdrew the money from and they could not answer me. There is not address listed on the charge. 

In the past I have been charged for using Citibank approved ATM machines from their list of ATM machines and they DENY that that is their machine. 

I want my bank account to be audited for fees I was charged.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My purse was stolen in XXXX in a nightclub, it included my driver 's license and a copy of my social security card. Most recently I began to monitor my credit report. I contacted the credit reporting agencies and notified them that someone has been attempting to access my credit profile and applying for accounts in my name. I noticed accounts in XX/XX/XXXX from creditors XXXX, XXXX, and XXXX. I have no knowledge of the accounts or affiliation. I requested verification from XXXX, Equifax, and XXXX in XXXX .Furnishing these accounts to my profile due to identity theft is in violation of 15 USC 1681c-2. I have requested twice for these accounts to be removed. 

I also noticed credit inquiries that I have no knowledge of nor have I applied for any credit with these creditors, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Furnishing this information to my account without my written consent is in violation of 15 USC 1681B To ensure my information is not compromised I previously requested that addresses that are not mine and where I never resided be removed from my credit report. I see addresses are still reporting that I have no knowledge of.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (IN)

XXXXReceived an e-mail from them with a " Quarterly Statement '' ( no transactions ) for an account which I have NOT been associated with for 7 months now, the business was also actually closed XX/XX/23 ( it was my sister 's XXXX but I was also authorized signer on the account ) ... I no longer have access to the account and I requested they close the account. However, as with many biz 's, they rely exclusively on automation, can't call/contact a human... they just fire back some more auto-generated XXXX! I want this account closed, or at the very least, my name/e-mail REMOVED from their records so I don't continue getting unneeded info ( where's their security concerns for privacy here... I've TOLD them to close it, but they still retaining MY e-mail address as the backup ... I believe the biz e-mail addy has been closed ). If they need further verification, they can contact XXXX XXXX owner ... If they'd care to call or e-mail me ( NOT General SPAM, but specific to this matter ), I'll be happy to provide them her name, XXXX, phone, etc.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2024-01-21
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: Incomm Holdings Inc. (NY)

I was recently given XXXX Visa gift cards in the amount of {$500.00} each, sold under the Vanilla brand. I attempted to use my cards in a store to make a purchase and both cards declined. I checked the balances and they were correct, and the card was active. 
I called customer service and spoke to an agent and a supervisor named XXXX, and was told to " try at another store '', as " for security purposes '' they block particular retailers ( not specific purchases ). I was attempting to use this card at XXXX and XXXX a reputable company, and the cards were physically present ( this was not an online transaction ). Customer service refused to elaborate on where I could use this card other than to say " try somewhere else ''. To me, this obsession with stopping fraud has become a scam. Vanilla took the money that was used to purchase the card, and refuses to honor the usage of said card. The company does not disclose what retailers or types of retailers are blocked. They refuse to point to any terms and conditions that state restrictions on usage. Vanilla is essentially stealing consumer 's hard earned money at the time the gift card is purchased by not letting the recipients use their cards. This is a racket and a scam.
Consumer complaint received 2023-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

On XX/XX/XXXX I had two student loans disbursed totalling {$120000.00}. 
I had been paying $ XXXX every month until Covid forbearance in XXXX. 
My total payments over 20 years have been {$120000.00}. 
Navient claims that I have an unpaid principal balance of {$66000.00}. 
This is clearly an example of predatory lending.
Consumer complaint received 2024-01-26
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: FirstCash, Inc. (OH)

On the XXXX of XX/XX/year> I dropped off a TV to Cashamericapawn for a credit of XXXX. I went home and I realized I made a mistake. I went back to the store at XXXX and they were closed. The stores hours are XXXX to XXXX. The next at XXXX I return the XXXX in cash and the employee and manageXXXX said I have to the finance charge. I explained to the manager that it was less than XXXX hours and I have XXXX hours to rescind a contract. He would not give me my TV unless I paid the full finance charge of XXXX.
Consumer complaint received 2024-01-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WA)

I purchased a certificate of deposit with Citibank which matured in XX/XX/2023. They told me multiple times my check has been issued. I've also contacted them for more than XXXX times. No representative really understands my issue and they just kept telling me they will escalate the issue or the check will be received by certain dates. It has passed their promised due dates a couple of times but I still have not received my fund.
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (CA)

This has been a cinsistent issue that I have brought to Fortiva numerous times in the screen shot theres no transcation history so a consumer can review and cross refrence in real time. My previous available balance was XXXX dollars I made a payment of XXXX a few days ago my availble balance should be XXXX. I ASKED THIS GETS UPDATED IMMEDIATELY. Since they don't show transaction history I can't see if thru charged something that shouldn't be charged etc. CFPB needs toinvestigate this company and their practices under the fair reporting act cosumers need to see trasnsaction history this company is not doing that. Wheni previously asked they said there's statements... i said we need record in real time
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

For many years these bureaus have automatically placed extended fraud alerts on my credit file each time I am advised the alert or consumer statement is added i call and write in to have it removed. They all remove it and within 45days its re-entered the main issue I have with alert it always have a phone number I have never provided or have access to. Overtime they have system glitch issue the alert and incorrect phone number and numerous inquires are added onto report without my doing or knowledge. From time to time good accounts that are mine paid onetime are removed, blocked stopping the creditors ability to report. And late payments on accounts that creditors have sent in letters to have late reporting removed.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that Credit Bureaus will investigate these items for me to ensure accuracy. here is the account I am asking you to verify as accurate. account name : XXXX XXXX account number : XXXX
Consumer complaint received 2024-01-20
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Elevate Recoveries, LLC (FL)

ELEVATE RECOVERIES LLC- XXXX  XXXX XXXX XXXX ( XXXX ). I have disputed this transaction with the company because I at the time had Medicaid insurance. They still billed me a bill. I am needing of this to be resolved and taken off my credit account please.
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

For many years these bureaus have automatically placed extended fraud alerts on my credit file each time I am advised the alert or consumer statement is added i call and write in to have it removed. They all remove it and within 45days its re-entered the main issue I have with alert it always have a phone number I have never provided or have access to. Overtime they have system glitch issue the alert and incorrect phone number and numerous inquires are added onto report without my doing or knowledge. From time to time good accounts that are mine paid onetime are removed, blocked stopping the creditors ability to report. And late payments on accounts that creditors have sent in letters to have late reporting removed.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am a victim of identtity theft. I filed the correct information according to the FCRA and submitted disputes to the credit agencies. The disputes are not being processed correctly and the paperwork from the FTC is not being attached to the disputes. I am not getting copies of the verfication process sent to me. 

These are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX