davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Credit Karma (CA)

I filed my tax return with XXXX and got an offer to get my tax refund sooner if I deposit into their other company of Credit Karma. I took it and let them do their work. 
Yesterday, which was XX/XX/XXXX I got my tax refund deposited into my account with Credit Karma which is more than XXXX weeks after my tax received date. When I checked on my IRS account, the money was transferred on the same date yesterday too, so that means nothing sooner as they have advertised. 

On the other hand, the reason I am filing my complain today is because of their annoyed policies of transferring our money out of the account at a rate of $ XXXX without any option to raise our limit ; in which I believe I have never seen the information when I chose their service. 
That means when I have a couple XXXX tax refund, now I am stuck with them to transfer every XXXX dollar out of it, everyday, until I got them transferred out. Otherwise I have to pay them XXXX % fees to transfer up to $ XXXX for my tax refund. It is such the most annoying thing ever, given their advertisement of getting our tax refund faster.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (VA)

LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine. 
These items should be deleted immediately while in litigation pursuant to FCRA guidelines. If you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

I have contacted Lexis Nexis multiple times in regards to a Bankruptcy on my consumer reports. Each agency XXXX, XXXX, and XXXX all state that they " verified '' the bankruptcy with Lexis Nexis. Lexis Nexis states they " verify '' through a system called " PACER ''. I contacted PACER and they provided me proof they in fact DO NOT verify any information with the consumer agencies. I also contacted the BANKRUPTCY Court to inquire if they " verify '' any information with consumer agencies. As you can see from the certified letter from the United States Bankruptcy Court also DO NOT verify any information with consumer agencies. Lexis Nexis and the other agencies have no legal right to report this bankruptcy on my consumer reports. I know my rights as a Consumer and I know that these companies have no permissible purpose for this account. You are improperly reporting an alleged Public Record to the credit agencies that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. 
Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. DELETE the alleged Public Record IMMEDIATELY!
Consumer complaint received 2023-10-27
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. (FL)

It has been drawn out that 3 Credit Bureaus are not hindering records. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I always pay my bills on time. I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (MI)

Credit Bureau : XXXX, XXXX, XXXX. 


Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 


XXXX. Ally Financial XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX. Ally Financial XXXX XX/XX/2022 XXXX. Ally Financial XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX  XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX >> XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX  >> XX/XX/2022 XXXX. XXXX  >> XX/XX/2022 XXXX. XXXX XXXX XXXX  >> XX/XX/2022 XXXX. Ally Financial XXXX XX/XX/2022 XXXX. Ally Financial XXXX XX/XX/2022
Consumer complaint received 2024-05-08
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. (FL)

The company Midland Credit continues to harass me after stating the following to my initial CFPB complaint : Per your concerns, the above-referenced account has been marked Cease and Desist. While it remains due and owing, we will no longer contact you unless required by law. 

I received a letter stating that MCM will have an attorney review the account of reference. I want this company to stop harassing me. I filed a complaint in XX/XX/year>, they have called my nieces phone and left threatening messages. They have NO right legally to call her phone. Additionally, MCM is a collection company and illegally purchases old accounts and some rectified accounts. I d not want this company contacting me about a Bank they purchased an old outdated debt from. Please publish this complaint and review complaint # XXXX because they are illegally contacting me less than a month of CFPB closing this account AFTER MCM said they will cease contacting me. They also review my credit often with soft inquiries which is illegal. Why are they accessing my XXXX credit file? I have documentation and will have my ATTORNEY review this illegal action. 

To state on the letter I uploaded that in the meantime, as previously requested by you, we will no longer be contacting you regarding this account by phone or in writing unless required by law or you request that we resume communications is TAUNTING and HARASSMENT at another level. Im attaching a picture of this statement, which is highlighted.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (VA)

LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not XXXX  % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, BBB COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine. 
These items should be deleted immediately while in litigation pursuant to FCRA guidelines. If you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.
Consumer complaint received 2023-11-17
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. (UT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am currently XXXX and out of work, my wife and I are on a car loan and it is our only vehicle. We have had it since 2018 and then when XXXX hit we both lost jobs and struggled with all bills, we got behind on everything. We both got XXXX. My wife is our sole supporter now and I have been struggling with mental illness and currently being treated at an outpatient facility. I had been for over XXXX  days in a facility to cope and hope to get back to the workforce while dealing with my mental illness but still in an outpatient program where I can not work. which makes me even more depressed but I am going to try and am hoping to return to work soon but my wife is struggling. She has tried to work with Capital one and they are now not working with her, I am also on the loan and hoping they can work with us because without our vehicle my wife can not work. We need this to be able to keep our home and electric and water. 

Capital One told us there would be options if we made a payment, we did and then they said another one had to be made to look at hardship payments. My wife told them she could with her next check which makes us push our electric bill out and hopes they will work with us on payments too. We are hoping when we make another payment they will but at this point with both do not have access to our online accounts because of capital one and are unable to make payments without speaking to someone, it is hard as my wife works XXXX jobs right now and in school again to hope to get her masters and make more money to support us.
Consumer complaint received 2023-11-20
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: Experian Information Solutions Inc. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (AZ)

I am writing to highlight the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, Section 602 ( a ). This section underscores the crucial role of consumer reporting agencies ( CRAs ) within our financial system and emphasizes the need to treat consumers fairly, impartially, and with respect for their privacy rights. 
Given that both XXXX and XXXX function as consumer reporting agencies, it is essential that they adhere to the principles set forth in the FCRA. As a consumer, I assert my right to ensure the confidentiality of my private information and to prevent unauthorized sharing. This right is supported by 15 U.S. Code 6801, which places an obligation on financial institutions to safeguard customer privacy. 
Furthermore, according to 15 U.S. Code 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports with explicit written consent. I have not provided such consent, and any previous consent granted to XXXX, XXXX, or other information furnishers to credit agencies is hereby revoked. 
Additionally, 15 U.S. Code 6802 ( b ) mandates that financial institutions inform consumers of their right to opt out of information disclosure. Unfortunately, this requirement has not been adequately met by XXXX and XXXX. 
Moreover, 15 U.S. Code 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items in reports without proper authorization. XXXX and XXXX must adhere to this standard. 
Lastly, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations. It appears that XXXX and XXXX are falling short in meeting these standards. 
Thank you for your attention to this matter
Consumer complaint received 2024-05-08
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (SC)

When checking my credit report I noticed a collection from this apartment from breaking my lease on XX/XX/year>. My husband and I broke our lease agreement due to financial reasons and problem we were having with the landlord and property. There was numerous of reports of issues that were never resolved. XXXX of the reports was the closet door almost falling on my XXXX XXXX XXXXAlso during that time this apartment decided to go up on rent. I requested at the time of breaking the lease for payment arrangements I was never able to get a response.
Consumer complaint received 2018-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (IN)

I had signed up with American Express that had incentive for dollars spent that I will get Delta mileage units. After making several expenses using the card, I had accumulated enough points to book tickets for 2 from XXXX to XXXX on Friday XX/XX/XXXX on flights XXXX   XXXX from XXXX to XXXX and flight XXXX XXXX from XXXX to XXXX for 2 passengers. However, due to personal reasons, on XX/XX/XXXX, I went online to cancel my flights, but DELTA will apply {$150.00} for cancellation per ticket which I wasn't notified when I had booked the ticket several months ago. I had called the Delta rep addressing my issue, but in return they didn't take any action to provide excellent customer satisfaction to see how they can help me pay additional fees which I believe I should have not paid since they are my points and why do I need to pay back more money for points to go back in my account. They were not helpful at all and kept stating it was " according to Delta policies '' and I had mentioned about how XXXX doesn't charge for any cancellation they didn't even want to go above and beyond their competitor to retain customer satisfaction. I am very disappointed in Delta as they didn't clearly define their cancellation policies when I had booked the ticket. I found no value add at all talking to their representative as it was like talking to a robot who can't provide that customer excellence. With this event, I plan not to use American Express and Delta at all!!!
Consumer complaint received 2024-05-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: R.M. Galicia, Inc. (CA)

I am filing this complaint to report issues with an account managed by XXXX XXXX XXXX, originally credited to XXXX XXXX XXXX XXXX. Significant discrepancies have been noted in the account 's balance and collection practices, which I believe XXXX violate fair debt collection laws. 

Details of the Complaint : Date Account Opened : XX/XX/XXXX Original Balance : Approximately {$1500.00} Current Reported Balance : Approximately {$160000.00} Date of Last Payment : XX/XX/XXXX Reported Past Due Amount : Approximately {$1600.00} as of XX/XX/XXXX Concerns Raised : Exorbitant Balance Increase : The balance escalated from around {$1500.00} to over {$160000.00} without any transparent explanation or detailed breakdown of charges. 
XXXX Issues : Attempts to clarify these charges with the collection agency have been unsuccessful, with insufficient responses to inquiries about the drastic increase. 
Documentation Requests Ignored : Requests for a detailed statement and itemization of all charges, fees, and payments have been consistently overlooked or inadequately addressed.
Consumer complaint received 2024-05-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

This magically appeared on my credit last month. Do not have any knowledge of this account I have already requested for this to be fied and nothing has been done. No supporting documents have been received. Multiple threatening, phone calls, and harassing nonstop. This needs to be deleted off my credit
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (IL)

Upon reviewing my credit report, I came across inaccuracies in some of the information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), it is mandated that the three credit bureaus validate this account. Failure to validate this reported account within the legally stipulated timeframe without providing substantiating evidence is not permissible. My credit report contains the erroneous details that require thorough investigation and rectification : XXXX XXXXXXXX  Balance Owed : {$96.00}
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America are reporting my information to the credit bureaus with a wrong name. 
My Name is Mr XXXX as federal documents can proof. 
Bank of America are reporting as a XXXX XXXX, my accounts with them was always Mr XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (FL)

West Portfolio Management ( WPM ) has reported on Credit Bureau fraudulent negative credit. violating the California and Federal Fair Collection Act impacting and affecting my credit scores. I have received numerous calls and have informed them of my pursuit of suing the company, they represent as I made a six-month lease contract on a vehicle, and it turned out to be a six-year contract. Most of the contract was not signed by me but by the sales representative who fraudulently signed my name via electronic signature. 
The mentioned company has filed for bankruptcy and closed its business ; therefore, I have been gathering information and finding a way to contact the company WPM represents, in this debt. In a conversation with one of WPM, I asked the representative if I needed to include them in the lawsuit, I was pursuing for the original retail contractor ( XXXX XXXX XXXX ) and her response was yes. 
I have requested XXXX for a copy of the Installment sales contract however they state, they do not have such documents, all they can provide is a history of my payments which it was provided by e-mail. Upon analyzing the history of payments, the document does not provide the total amount of payment already made yet it reflects a total of XXXX paid terms, without cash value which was the total pay I was supposed to do for the six-month contract, furthermore, the history of payment submitted by WPM shows a current balance of XXXX moreover, in a letter they sent me for a special offer it states the balance of such debt is XXXX while on the credit bureau , they reported a XXXX debt. 

XXXX XXXX
Consumer complaint received 2023-10-12
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions