davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MD)

I am writing to dispute the following information that your company supplied to LexisNexis I have circled the items I dispute on the attached copy of my credit report these items - [ ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccurate I am requesting that LexisNexis have the item removed My correct information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md 21206 I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 .
Consumer complaint received 2023-09-07
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. (GA)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-11-15
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. (CA)

in accordance with the fair credit reporting act this creditor has violated my rights, under 15usc1681 section 602 states I have the right to privacy 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15usc1666b a creditor may not treat a payment on a credit card account under open consumer credit plan as late for any purpose
Consumer complaint received 2023-11-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (VA)

When I opened an American Express charge card, XXXX of the " perks '' was an American Express XXXX Savings Account, at AMEX BANK XXXX XXXX and every time the card was used, AX would deposit 1 % of the purchases into the account, that back then was 5.00 % APY. I opened the card in XXXX and closed it this year in XXXX, after I was told by the XXXX XXXX in XXXX that it is considered a " white '' American Express and I was unable to use it there. This past weekend I was clearing out data and found the attached. After numerous attempts to log in online, I phoned American Express who said they didn't have any record of me having an account and the money isn't with the state or IRS, so where did it go? American Express robbed me and numerous others with what appears to be bogus.
Consumer complaint received 2023-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (LA)

NETCREDIT is charging 99.98 % rate on a {$1500.00} online loan. I was told that the cap in Louisiana is 12 % to 36 %. I have been paying every month and today my balance is still XXXX. Nothing has been applied to my principal since XX/XX/2023.
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE (KY)

XXXX I filed this complaint onXXXX. The company respond and said they would overnight by XXXX a check. That never happened. I called them with a follow-up. They then said they mailed a check. That never happened. I still have not received the funds they erroneously, falsely and illegally took from my XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XXXX XXXX XXXX I sent a certified dispute letter ( with return receipt ) to Equifax requesting the removal of inaccurate debt being reported on my account. On XX/XX/XXXX I received a letter from Equifax requesting verification of identity. I sent the verification information, a copy of letter received from Equifax, as well as dispute letter to ensure all necessary information was received on XX/XX/XXXX. On XX/XX/XXXX I called Equifax to ask how to upload of copy of the XXXX tracking information to show the dates mail was received ; signed for, and inform them the requested items were well over the 30 day verification timeline, and the items must legally be removed.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

USAA historically made the full amount of deposited checks available immediately upon deposit. The past couple years have been extremely tough and being paycheck to paycheck theyve suddenly started to place holds on the funds. I had an especially bad case of timing this week with some auto payments coming out that took the account negative and normally if you deposit enough to cover it within grace period they forgive those. Well we received an insurance payout check of just under {$5000.00} this past Monday ( XXXX ) that I deposited right away and instead of releasing it like they historically have, they held all but {$500.00} and it wasnt enough to bring the account current so guess what, they added another OD fee. Theyre bombarding me with collection calls when if theyd release the insurance check they could be paid current. They are making it so I cant pay my electric bill or car repairs for the only car my family has to get to work right now. The check being on hold places a HUGE burden on my family ; we have a XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  and needed those funds released immediately to keep up with this XXXX economy. And all the tone death member resolutions lady could say was oh its the system it wont let me release and how about a personal loan from us? like sure, theyll lend money but wont release what was deposited except her suggestion was completely tone deaf and out of line because USAA wont approve me for a loan on my own. So suggesting that as a solution was just plain insulting.
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NC)

My credit limit was lowered from {$2000.00} to {$300.00}. I was never late and the account remains in good standing. 

The reason I was given was : Lack of real estate Too much revolving debt Charges up to credit limit Delinquency I own a home. 
I have the same revolving debt I had when they gave me the account. 
My charges were not up to my credit limits until they were lowered. 
The Delinquency is 5 to 6 years old and was in my report when they gave me the account.
Consumer complaint received 2023-11-15
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: CITIBANK, N.A. (NY)

Sat, XX/XX/2023, found the ticket advertisement for concert on XXXX website : Tickets can be found at XXXX. 
Ordered tickets : Youll receive email with instructions and tickets from original provider, not XXXX. 
Found similar tickets almost two times cheaper on XXXX XXXX. Tried to return the tickets, but no return only a sale on the same website. Tried to sell, but no email from provider, no tickets, nothing to sell. 
Report scam. Citibank opened a payment dispute and the respond : Investigation completed ; without a valid slip we are unable to intervene with the merchant. * Nothing to return, no slip from scammer. 
Sun, XX/XX/, from XXXX. 1 hour left to send your tickets, if you do not send the tickets, charges will apply. No email and tickets from provider, nothing to send. 
Mon, XX/XX/2023, from XXXX : Charge applied, reason : XXXX Not XXXX. 
Open payment dispute with Citibank, got response : If you continue to dispute, provide documentation that the merchant charged you twice for the same merchandise. * No comments. 
For some reasons Citibank, by absurd impossible requests* to initiate disputes the charges, prefer to participate in scam instead protecting customer from it. If stealing money from customers by scam is illegal way to do business and customer protected from this, please help me to get my money back.
Consumer complaint received 2024-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (SC)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-11-15
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Navient Solutions, LLC. (RI)

ccount Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type EDUCATION_LOAN Original Creditor Name Months Reviewed 3 Activity Designator PAID_AND_CLOSED Terms Frequency MONTHLY Term Duration 25 MONTHS Purchased From Sold To Balance and Amounts Balance {$0.00} Credit Limit High Credit {$870.00} Available Credit Account Dates Date Opened XXXX XXXX XXXX Date Reported XX/XX/XXXX Date of Last Activity XXXX XXXX Date of First Delinquency Comments and Contact For questions regarding this account please contact : SALLIE MAE XXXX XXXX XXXX XXXX, PA XXXX XXXX am looking to get this removed out my credit report, I paid this off and will like for it to be removed so my credit can go up. I am a hard worker, and I am trying to buy a house. Please remove this out my credit report. 
Thank you
Consumer complaint received 2018-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

This complaint is about new problems since the previous complaint I had filed that has been called 'Closed. ' The fact is while I was not happy with the result it was at least supposed to be OVER. Without warning, without explanation, without reason, Citibank had already cancelled my card lack XXXX after I'd overpaid and had a credit balance. Refused to tell me why or make a refund. It took 3 months and a complaint with the CFPB to get it but the refund came. They refused to talk to me when I used their identity procedure on the phone but instead tried to do account information phishing on nonCitibank accounts, otherwise they wouldn't talk about my card. And left messages that said my card was permanently cancelled and made a vague accusation of me committing " Fraud '' by disputing some charge in a fraudulent manner even though I wasn't disputing a charge. The caller identified herself as XXXX XXXX, I have no way of knowing if that's a real name or just one she uses. But still no explanation of why they cancelled my card. Others called where I picked out they said " Citibank '' but were too mushmouthed in their speaking to be understood. 

Now, without asking permission of any sort of notice at all, they have started to put charges on the account they cancelled. This is not me going out and using the card. Simply put, there is no excuse for them saying I have anything but a XXXX balance on this account that they have cancelled. This is identity theft, Citibank is guilty of it. 

This is without question a crime on the part of Citibank.
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I took a look at my consumer reports and saw late payments being reported by this company for the following months ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX In accordance with the fair credit reporting act capital one accounting # XXXX, has violated my right. 15USC 1681 Section 602 States that I have right to privacy. 15 USC 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (OR)

I add my card from XXXX XXXX to PayPal and for show pay, show pay is scan code, that you user in variety of store That PayPal indoors and you can user the code with there indoor er, well I make a couple of purchase with the scan code show pay, to be exact about for purchases, on the fifth purchase there system was block my card and my purchases was coming up decline. I don't understand why.
Consumer complaint received 2018-12-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CO)

I closed my account and went to a different bank. A couple of weeks later I came back to Wells Fargo and reopened my accounts. I was told by the teller she would open new accounts the same as what I previously had. She opened up different types of accounts then she told me with daily spending limits. I told her the daily spending limits wouldn't work for me and she told me they were temporary and would be automatically taken off within a few days. Upon not being able to pay my rent with my card because of the daily spending limits, I went and talked to a banker who informed me the type of account the original banker put me in was not eligible to have the spending limit removed. I was lied to and taken advantage of by my local Wells Fargo banker.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Trust Management LLC (CA)

I had an account with XXXX XXXX ' XXXX in XXXX. I fell into financial trouble and hired a company to settle my debts. In XX/XX/XXXX, my debt was settled for {$100.00}. I have a copy of the settlement and check. In XXXX XXXX XXXX XXXX sold my account to a third-party collection agency. It has since been sold to two other agencies. It is now showing up as delinquent payment on my credit report. I tried to dispute the collection and it comes back as valid. I do not know how to get this taken care of.
Consumer complaint received 2023-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I purchased a software program from the company XXXX XXXX XXXX XXXX XXXX XXXX  and paid {$89.00} which was processed through PayPal. A license code accompanied the purchase receipt. The vendor is listed as XXXX XXXX XXXX. 
However, the license code provided did not function and the software rejected it as " NOT VALID - Error code XXXX '' I called the software company who told me it seemed that the vendor that sold me the software was selliing pirated programs. 
I then emailed XXXX company - twice - and received no response. 
On XX/XX/2023 I filed a complaint with PayPal XXXX agent " XXXX '' # XXXX ; subsequently received an email with Case ID XXXX. However, this case ID never appeared on my PayPal webpage and I had no way to access the complaint. 
I telephoned again on XX/XX/XXXX, spoke with male agent " XXXX '' who looked the charge noting that it was {$89.00}, then disconected the phone call. 
I telephoned a third time and spoke with male agent " : XXXX '' # XXXX who eventually said he cancelled the transaction and that I would get a refund by XXXX XXXX. 
However, XXXX also told me that the vendor would not be suspended and that nothing would currently be done with the issue that XXXX was hosting a vendor that was offering fraudulent software.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (MO)

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.

has violated my rights. Or 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 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX I never gave permission for the companies to run my credit report please have the credit bureaus to provide me proof of the inquires
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Credit Control, LLC (PA)

On XX/XX/, I diligently took the necessary steps to address the unjust reporting of an account by sending a prearbitration letter via certified mail to XXXX XXXX XXXX XXXX XXXX XXXX. Despite my earnest effort to rectify this matter promptly, I have regrettably received no response from them to date. This lack of communication is not only disconcerting but also significantly impacting my financial credibility. It is important to underscore that I have no association with the account in question, and, moreover, I was never apprised by XXXX XXXXXXXX XXXX that they would be divulging my information to XXXX Funding or XXXX XXXX XXXX. Furthermore, the involvement of Credit Control LLC in the collection process on behalf of these entities compounds the complexity of the situation. The absence of a response and resolution exacerbates the adverse effects on my financial standing, and I seek a prompt and just resolution to rectify this matter.
Consumer complaint received 2018-05-16
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. (FL)

XX/XX/XXXX, A FAX AND LETTER WAS SENT TO VALIDATE THE THE ACCURACY OF A CHARGED OFF ACCT LISTED ON MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX NOW, I REQUESTED THAT I BE PROVIDED WITH INFORMATION AND COPIES BE SENT TO ME THAT WAS USED TO VALIDATE NOT VERIFY THAT THE DEBT WAS OWED BY ME TH THE ABOVE COMPANY SUPPLIED THE REPORTING AGENCY WHEN LISTING THE ACCT ON MY REPORT. PAYMENT HISTORY IS NOT A PROPER FORM OF VALIDATION AND THERE IN VIOLATION OF THE FCRA. XX/XX/XXXX A FOLLOW UP VALIDATION LETTER WAS SENT OUT TO RESOVE THE ISSUE THAT THEY ARE STILL TARNISHING MY NAME AND REPORTING INACCURACIES, I WOULD LIKE THIS MATTER RESOLVED AS SOON AS POSSIBLE BEFORE I HAVE TO TAKE LEGAL ACTIONS.