davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Global Tel*Link Corporation (VA)

ViaPath XXXX aka TouchPay Holdings LLC, and GTL Financial Services as well as the other XXXX corporations has abused individuals and failed to issue restitution for the abuse of section 13a of the terms & services agreement The company has failed to respond to CFPB # XXXX & XXXX in a way that allowed consumer to dispute a debit transaction ( within 2 days this must occur )
Consumer complaint received 2023-07-25
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter.

Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
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: EQUIFAX, INC. (TX)

This is my second 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 an alleged fraud or extortion. 
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Consumer complaint received 2024-05-20
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica (MO)

I tried to use card at a XXXX ATM was told I had to appear in person at money services to prove I was the card holder, I did that and was able to withdraw {$200.00} once I did that my card wouldn't work anywhere. They first claimed were I tried to use it was high fraud risk, then they said it was a bad chip although they also declined purchases when I tried to swipe, the promised to send a new card I would receive in 7 days it's been over XXXX weeks and nothing has arrive they are witholding my XXXX payments. They also declined manual processing with my landlord and storage XXXX and claim they aren't responsible for my losses although the terms of service online says they claim full responsibility.
Consumer complaint received 2023-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-05
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MD)

My husband purchased and Activated a {$100.00} vanilla visa gift card at XXXX on XX/XX/2023 as a holiday gift for myself. I have made many attempts to use it without success, it showed O balance. I called the number on the back of the card and was directed to someone in XXXX who offered to help me if I gave him my bank information. He offered to deposit the missing {$100.00} money in my bank acct. I refused and hung up. I called again and a second customer rep wanted my Credit card info to credit the money to my acct. I refused and told him he did not need my personal Credit card information to help me with the missing money on the gift card. My husband eventually replaced my gift card and has since called the number and was told the card was used to make a purchase. Out of curiosity I went on consumer complaints, and there are many many customers who purchased vanilla visa gift cards for hundreds and even thousands and found out the cards they gifted had O balance on the gift cards. The vanilla visa gift cards are fraudulent and need to be removed from stores immediately. 
.
Consumer complaint received 2024-01-05
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (FL)

I was unaware that I had a remaining balance of {$9700.00} through netspend. And I tried to get a replacement card because I lost the card itself and/or it was expired with that being said, they told me that it was sent back to the IRS then I was told that password has it. 
Please, please, can you help me?
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I reviewed my consumer report and noticed late payments reporting for XXXX XXXX XXXX XXXX XXXX XXXX. These are in violation of of the law and are inaccurate and I demand these accounts be deleted and permanently removed from my consumer report immediately. According to 15 USC 1681 ( 2 ) A ( I ) which states ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also my right to privacy under 15 USC 6802 which states ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. and finally under 15 USC 1666b stating 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 2023-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I DONT RECOGNIZE OR RECALL ANY OF THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (NY)

Upon checking my credit report through XXXX XXXX  on XX/XX/year> I noticed a new collection from a company called CKS Prime investments. It is a debt collection agency from original credit XXXX XXXX XXXX in the amount of {$2400.00}. 
I had an account with XXXX XXXX over 15 years ago and it has been taken care of and discharged. 
I am a victim of several breaches for which I have been in contact to remedy this situation. 
This is not my current debt it has not been accrued by me. 
XXXX XXXX XXXX
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (TX)

I don't recognize any of these inquiries made on my credit. I did not gave written consent to these companies to furnish anything to my credit report under law 15 usc code 1605. So forth these 11 inquiries are fraudulent they need to be removed under fcra regulations until proven accurate XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX
Consumer complaint received 2024-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Multiple types of debt have been bought and sold multiple times through multiple agencies and reporting duplicates of this information on my credit report, damaging it to the point of no hope to fix it in the foreseeable future. The collection agencies involved are not licensed in my state through NMLS to conduct any business with regards to debt collection, lending, or other financial services. I was not given any debt validation prior to the collection accounts reporting to my credit and damaging it. I am not able to fix/access tools to help me gain financial ground due to these collections. The original creditors with whom I have proof of debt owed and have been in contact with are working with me due to my unemployment at the time of origination. I am being constantly harassed by phone calls that show up as local phone numbers and yet when I attempt to call back I get answers from normal people saying they never called. For reference here are the collection company information for all places that are reporting on my credit : Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC (SC)

Multiple types of debt have been bought and sold multiple times through multiple agencies and reporting duplicates of this information on my credit report, damaging it to the point of no hope to fix it in the foreseeable future. The collection agencies involved are not licensed in my state through NMLS to conduct any business with regards to debt collection, lending, or other financial services. I was not given any debt validation prior to the collection accounts reporting to my credit and damaging it. I am not able to fix/access tools to help me gain financial ground due to these collections. The original creditors with whom I have proof of debt owed and have been in contact with are working with me due to my unemployment at the time of origination. I am being constantly harassed by phone calls that show up as local phone numbers and yet when I attempt to call back I get answers from normal people saying they never called. For reference here are the collection company information for all places that are reporting on my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Management Co dba/ CMC Credit Management ; Credit Management Company XXXX XXXX XXXX Credit Management Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (TX)

I have asked yall for help before to know avail. I am a XXXX XXXX man on SS. I went to MoneyLion and they had a credit builder program. I signed up. Its a savings program where you pay yourself into a holding account. At the end you get XXXX. Sounds great. 

My truck broke down. It is very hard on SS to get it fixed. i have tried to get a part time job to no avail. NO TRUCK. I would have to wait for my next payment to come in to buy parts. It took me 2 months. So I get tagged for missing a payment. I knew I wouldnt be able to carry on and needed to cancel my membership. 

I contacted MoneyLion and told them the situation. They said you have equity so we need XXXX ( that number changed depending on who you talked to ) and we will close you out. But XXXX you have to make up the missed payment. I said thats the whole issue. My finances have changed drastically. I cant afford this. And a missed payment is me paying me into a holding account. Youre reporting a savings account. 

Since then, I live in a XXXX  with no running water. ( I have a lot to move to with a water meter but cant raise the moving fee another reason I needed to cancel. ) Since requesting MoneyLion to close me out my truck has been on the blink. My repair after 2 months only created more issues. You cant work part time without a way to get there. Even today the XXXX  is up. I have had a rough financial time. I dont know why I cant cancel a saving account. 

Since then, to cut back and get parts I lived on crackers and water for 3 days. XXXX XXXX XXXX XXXX XXXX. I was XXXX. Had a moment of clarity long enough to call an ambulance. MoneyLion wrote me about the complaint. I have told them all this. I CANT PAY. They said tough we are going to report 14 missed payments to the Credit Agencies. So lets XXXX  the XXXX  man on SS who is having a rough time and XXXX XXXX. 

I was in the XXXX for 4 days. My dog went hungry during those 4 days. The driver taking me home stopped at a grocery store so I could buy dog food. 

I have no reason to believe CFPB will do anything about this. So the last two complaints have been closed. I never even was notified and told by your staff I cant appeal. She said fill out another complaint. OMG. 3rd try. 

So Consumer Financial Protection XXXX will XXXXXXXX XXXX XXXX XXXX XXXX. Join with MoneyLion in suppressing me. By reporting me missing a payment into XXXX  SAVINGS ACCOUNT. 

I have contacted a debt agency to help me with my debt. Theyre ready. I cant raise the payments. Do you think good credit might help me in my old age? 

Im copying XXXX XXXX on this. She created this agency and has a stake.
Consumer complaint received 2023-11-30
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. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was checking my credit report and I saw several inquiries that I did not authorize, at the moment I called those banks or institutions and they told me that they could not help me, and to call the XXXX credit bureau which were those institutions and they sent me to fill out a report with you so that you would authorize them to delete those inquiries from my credit report
Consumer complaint received 2018-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

XXXX XXXX XXXX or a company acting like XXXX XXXX XXXX has recorded an Assignment of Deed as well as a Notice of Default and a Notice of Sale. on my property. 
I am not sure XXXX XXXX XXXX would this ; because I have a statement from them indicating that the do not own my property. 
Can you help extend the sale date so I can take proper action. 
Attached is the letter from XXXX XXXX XXXX My wife was the borrower ; she passed away on XX/XX/2016. 
I am the surviving widow filling out this complaint
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. (CA)

I filed an identity theft dispute in regards to the information on my credit report. I requested the original application with my wet signature and all other information that proves that I am the owner of these accounts and have not been given any. It has been well over XXXX  days to validate this debt and I have not been given anything.
Consumer complaint received 2023-01-31
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: EQUIFAX, INC. (NJ)

XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above mentioned inquiries were reported on my credit report. I did not authorize them. I have tried to report them to Equifax, but they have indicated I need to submit a fraud report through CFPB.