davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I notified the company on XX/XX/XXXX of the unlawful reporting on my consumer report and violations made against me on their behalf. I wrote to them via a written letter with a notarized affidavit attached. The company has not complied to any of the demands, and has not furnished any type of accurate proof that I gave them written permission to furnish said information ( which I DID NOT ). They also have not furnished any proof of any ORIGINAL documents of said information reported on my account and have not responded in kind with an affidavit of their own. 

My livelihood is being impacted by this unlawful reporting, and I demand that they are held accountable for their actions.

They are in violation of 15 USC 1681b - permissible purpose of consumer reports, THAT CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I HAVE NOT GIVEN THEM PERMISSION TO FURNISH ANY INFORMATION.

They are also in violation of FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681 s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; AS WELL AS 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy CFPB, is it not your responsibility to hold these credit reporting agencies to the law set forth by Congress?? ? These are my RIGHTS being infringed upon, and it is negatively affecting my life. This is absolutely unacceptable!
Consumer complaint received 2024-05-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Foris DAX, Inc. (PA)

On XX/XX/XXXX at XXXXXXXX XXXX i placed an XXXX  order on crypto.com for {$100.00} This particular order was made at XXXX buy in price of {$64000.00} with the set target price of {$64000.00} and a stop loss of {$64000.00} and kill by XXXX XXXX 

By XXXXXXXX XXXX XXXX had surpassed the target price of {$64000.00}. So now my XXXX  order should be won and i collect the actualized gains just like the websites description so I now collect {$400.00} profit plus my {$100.00} for a total of {$500.00}. Sounds simple enough right? 
At XXXX XXXX, i get a notification that my XXXX order bottomed out at {$64000.00} and i lost my {$100.00}. Not only that, crypto.com shows me a receipt now with my order labels flip flopped so it says {$64000.00} was my target and {$64000.00} was my stop. Luckily i have pictures and i was watching the market on their very own website of crypto.com. 
All of this is pictured below, including the chat between several employees and myself regarding this stunt they tried to pull. I have been trading stocks and cryptos for XXXX years now. I dont appreciate being jerked around and then on top of it, crypto.com stalling only to copy and paste the same lie each chat. Its unprofessional and downright illegal. To top it off, I cant get my money off of the so called debit card they say you can load and spend anywhere which is also a lie because they do not even allow you to buy crypto with it on their own site!!!
Consumer complaint received 2024-05-07
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (MD)

I went to Best Buy in XXXX, MD to buy XXXXXXXX XXXX on XX/XX/year>. The salesperson signed me up for a store credit card I never consented to. I immediately asked him to cancel the transaction and paid with my own cash. 

I called Best Buy customer service to complain, and Citi Bank to remove the inquiry from my credit report. Citi Bank is the bank that provides store credit cards for Best Buy. 

Citi Bank assured me the inquiry would be removed due to the illegally processed credit card request. The inquiry still appears on my XXXX credit report.
Consumer complaint received 2023-06-09
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. (NY)

To Whom It XXXX concern, On XX/XX/2023 I went to look at my credit report. I have all these Inquires and none of these I recognize and I did apply for any of these cards or have access to any of these accounts. This is fraud / inaccurate. I have contacted all XXXX major collections agencies and with little help from them which is why I was referred to come here since this is all not authorized by me in anyway and I'm just trying to make my XXXX XXXX accurate for me and my family. I will attach documents from XXXX, XXXX and experian so you can see what I am referring too. I also tried to contacting some of these companies directly who gave me the run around.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my other request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
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)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I had 15 or 18 transaction that i didnt authorized and they denied the claim saying they were made through XXXX XXXX system and that since my password wasnt change it looks to them like i was the one who use it. I dont remember if the password was changed, not recently but there are many transaction, i never received a notification from the bank and my account went to almost a negative balance
Consumer complaint received 2022-12-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Figure Technologies, Inc (FL)

On XXXX of this year ( 2021 ) XXXX XXXX ( My father ) opened a loan up in my name without my knowledge. The company is called figure lending ... The amount was around 25k. I've sent police reports and text messages of him admitting to the fraud to the company and have been denied. I also did the same with the credit bureaus and XXXX has removed it from my account thus far.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (PA)

Comenity Bank/Victoria Secret is furnishing an unverifiable account on my consumer reports and are refusing to remove it which is a violation of section 623 of the Fair Credit Reporting Act ( FCRA ). A data furnisher is prohibited from furnishing information that is NOT accurate, complete or verifiable by them or has reasonable cause to believe that the information is inaccurate. Not only is this account being reported with two different account numbers having the same exact information ( account # XXXX and account # XXXX ), this agency has also stated themselves that can not send an authenticated record of the account and that they sold all rights of the alleged account to XXXX XXXX XXXX ( see blue highlighted paragraph in attached exhibit a ). How can this company " verify '' the account when they do not own or can see the account? ( see exhibit b & c ). Pursuant to section 623 ( a ) ( 1 ) ( B ) they were notified by me, the consumer, about this unverifiable and inaccurate account on my consumer report. Instead of following the procedures and requirements of the FCRA they decided to be willfully noncompliant and negligent. I demand that Comenity Bank/Victoria Secret deletes this item of information from ALL consumer reporting agencies as stated in section 623 ( b ) ( 1 ) ( D ) and subparagraph ( E ) ( ii ).
Consumer complaint received 2023-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

Received call from MRS BPO LLC and they hung up on me. I'm on the do not call registry and I went online to find out who this company is and it says it's a debt collector and I do not owe any debts of any kind so I tried to call them back and reach them and the phone rang for over 10 minutes with no answer. They have called me in the past and I've blocked numbers that they've called from and they always hang up on me I feel like they're trying to verify that it's a legitimate phone number and maybe sell my information because I otherwise don't understand why they would call and then hang up on me if they were trying to collect a debt and like I said I do not owe any debts of any kind My credit score is perfect I pay everything on time and always have.
Consumer complaint received 2023-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kirschenbaum & Phillips P.C (NY)

XXXX. XXXX XXXX XXXX, XXXX XX/XX/2023 XXXX The Company sends me letters and phone calls. I dispute it. XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 Balance XXXX company is sueing me. I am disputing. XXXX XXXX XXXX member services XX/XX/2023 Balance XXXX Company sends letters and phone calls. I am disputingXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX The company sent me letters and phone calls. I am disputing. XXXX. XXXX XXXX XXXX, XXXX XX/XX/2023 Balance XXXX The company sent me letters and phone calls. I am disputing. XXXX. XXXX XXXX XXXX XX/XX/2023 Balance XXXX The Company Sent me letters and phone calls. I am Disputing. XXXX XXXX XX/XX/2023 Balance XXXX Company Send letters and phone calls. I am disputing.
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (NV)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-05-06
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

My XXXX payment on my Best Buy account was due on XX/XX/XXXX, in the amount of {$29.00}. I paid {$40.00} that posted to my account on XX/XX/XXXX. On XX/XX/XXXX, the statement was issued. It still showed that I owed {$29.00}, despite me having paid {$40.00}. I emailed a dispute of the statement amount owed to Citibank. On XX/XX/XXXX, Best Buy/CBNA sent to me a reply, promising to notify me of the resolution to my dispute. Instead, on XX/XX/XXXX, Citibank began telephoning to my telephone, leaving messages more than once a day that my payment was past due. I texted to the umber that the calls are coming from, asking that the calls cease in respect for my privacy, and that the account be corrected, since I paid more than the amount owed for XXXX. Then, a XXXX statement was posted to the account, showing that, where, after the XXXX payment, I owed a balance of {$460.00}, now I owed {$490.00} as of the end of XXXX, and a payment past due of {$63.00}, with no explanation as to what why the balance increase or what the figure represents. Then, on XX/XX/XXXX, Citibank reported to the credit reporting bureaus that I was a month behind in my payments, and then reported that it was decreasing my {$5500.00} credit limit to {$550.00}, making my already existing outstanding balance now XXXX XXXX of the available credit for the account. 
Today, XX/XX/XXXX, Citibank has telephoned to my telephone twice, alleging that I am behind in my payments. I have a perfect payment record on this account, never once late or failing to pay.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-12-13
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: AMERICAN EXPRESS COMPANY (IL)

I received two American Express gift cards worth {$200.00} and {$100.00}, respectively. The cards can not be used to make online purchases at XXXX or other general retail stores. Each time I try to use the cards, the payment method is declined, even after following the instructions provided on American Express ' website.
Consumer complaint received 2023-04-18
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: OneMain Finance Corporation (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2023-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NJ)

I applied for the federal student loan forgiveness program and was initially approved, only to later have the program denied in court. Nelnet, my loan servicer, informed me that the US Department of Education had supposedly issued a {$20000.00} check to offset the negative balance in my account resulting from the canceled program. However, I never received this check, and my attempts to resolve the matter with Nelnet have been limited, with only one phone conversation in early 2023 where they explained the {$20000.00} balance I am now expected to pay. This discrepancy has left me in financial uncertainty and frustration, prompting my complaint to the CFPB to seek a resolution.
Consumer complaint received 2023-09-16
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2900.00} XXXX  XXXX XXXX Balance : {$2900.00} XXXX  XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2023-09-14
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. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXXXXXX XXXX XXXX {$14000.00}
Consumer complaint received 2023-04-25
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. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (CA)

There was 3 fraudulent unauthorized transactions made using my paypal mastercard debit card for the following amounts. When I noticed them i contacted paypal right away about them and did everything as their policy states to do when there is unauthorized usage on the account. After submitting a claim promptly for the transaction about a day later i get a response for the first 3 transactions stated they were denying my claim because I authorized the transactions and thus isnt protected under their paypal purchase protection. This is completely unacceptable because i did not authorized the transactions and i did everything on this policy when this happens and i should not be liable for any unauthorized transactions per this own policy and Mastercards. They are breaking and not following thier own protocols. Its annoying and unacceptable. Please help recover my funds its about {$500.00}!! : ( im so behind on my bills because of this. 

XXXX XXXX XX/XX/XXXX - {$190.00} XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, - {$190.00}
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Resale Specialist, Inc. (CA)

I made a phone call on XX/XX/2023 to Midwest Resale Specialis inquiring about debt placed on my account. The amount owed was {$870.00}. I asked them to verify the debt because I never signed any personal guarantee. I called again on XX/XX/2023 for verification and never received a response. Consequentially, this highly impacted my credit score and complicates future purchases. The company has called me from various numbers on numerous occasions without verifying the specific amount or reason for the debt.