davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: DISCOVER BANK (CA)

On XX/XX/year> i made external bank trasfer for {$530.00} and it said it would take like a week. I needed it sooner so, since i had enough i sent another {$530.00} to XXXX XXXX expecting the other {$530.00} to arrive at some point. It never made it to my external account. All they bring up is the XXXX XXXX one. I had enough for BOTH which is why i did both. I talked to a lady on the phone, she verified it went through, on a recorded phone call. But they say i never talked to an agent. Wont prove it, because they can't. The bank to bank external transfer was made like 1 or days prior to XXXX XXXX. So XXXX XXXX should have been denied if anything
Consumer complaint received 2024-05-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

This letter was mailed XX/XX/XXXX. 
RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Subject : Request for Account Information and Verification of Debt Dear Sir/Madam, I am writing to request information regarding an account that appears to be in collections. Unfortunately, I do not have the account number available to provide you with. However, I would like to request your assistance in locating the account using alternative identifying information. 

Please find below the details that may help in locating the account : - Full Name : XXXX XXXX - Associated Phone # : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX - Address Associated with the Account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Ca XXXX I understand that, upon receipt of this letter, your agency has 30-45 days to provide validation of the debt and prove its legitimacy. During this time, any collection activities must cease. 

I am eager to resolve any outstanding obligations and am willing to cooperate fully in this matter. Your assistance in providing the necessary information would be greatly appreciated. 

If you require any further information or documentation from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX All collection activity was then paused for two months, until XX/XX/XXXX the activity resumed without a validation of debt, I am trying to be as cooperative as i can be, but i am not hearing anything from the matter.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

XX/XX/2023, requested false information be removed. They flat out said no they would not help me. There was a report stating I was 30 days late, when actuality I submitted a request for a deferment for a total of two months.
Consumer complaint received 2023-11-08
Product: Credit reporting 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)

Over the past couple of years i have sent multiple certified notarized request to provide the original consumer contract from multiple accounts. I never received the original consumer contract.. Account remain on my file and my requests have gone ignored with just reponses of " verified '' yet NO orginal consumer contract provided.. this is exhausting how can you put a file on someone report but DO NOT provide the original Instrument??
Consumer complaint received 2023-09-02
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. (TX)

Unauthorized inquiries on my credit file. XXXX XXXX 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
Consumer complaint received 2024-05-15
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: Foris DAX, Inc. (FL)

i was scam out more than XXXX XXXX dollars and it happen thru crypto.com by scammers who uses there platform to do these acts .... crypto knowing exactly what happen gave me the run around about the entire matter so i am asking for cfpb to help me a innocent victim of this matter get them to return my money.
Consumer complaint received 2023-05-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

I am writing to report a scam that I believe I may have fallen victim to. On [ date ], I received a phone call from a person who claimed to be from XXXX. The caller said that I had a debt on my Tjmaxx reward card and that I needed to pay it immediately. The caller gave me their phone number, which is XXXX, and their XXXX ID number, which is XXXX XXXX XXXX. 

I was suspicious of the call, so I decided to look up the XXXX ID number online. I found a website that said that the number might not be the real XXXX ID number for Tjmaxx. I also found a website that said that there have been reports of people being scammed by people who claim to be from Tjmaxx. 

I am concerned that I may have given my account number, bank name, and routing number to the scammer. I am worried that the scammer may use this information to steal money from my bank account. 

I have already contacted my bank and placed a fraud alert on my credit report. 

I am writing to you to ask for your help in investigating this scam. I would like to know if the XXXX ID number that I was given is the real XXXX ID number for Tjmaxx. I would also like to know if there have been any other reports of this scam. 

Thank you for your time and attention to this matter.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Thaxton Investment Corporation (TX)

XXXX  has been non-compliant with removing the unverified account XXXX   XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX   XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 a 47.6k purpose.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, and XXXX ) credit report, and I noticed a negative item on my report that i did not authorize to report. On the account I have attached is 30 day late payments that are improperly reporting. I have tried to work this out with the credit bureas and have been unsuccesful. The account listed below is identified as aggravated identity theft per 18 U.S. Code 1028A. 18 U.S. Code 1028A U.S. Code ( a ) Offenses.
Consumer complaint received 2023-12-14
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 (NY)

Hi there. I have a prepaid American Express business gift card. It's worked fine until recently when it keeps getting declined from online stores ( I'm guessing due to increased fraud detection ). Now, I can't use my remaining balance on my gift card. What should I do?
Consumer complaint received 2023-11-08
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. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (LA)

I took out a loan for solar installation with goodleap. The loan was structured to pay down to a target balance after 16 months, to keep the monthly payment the same or ; if it was not paid down to the target balance it would increase to a higher monthly payment amount. 

I contacted the company back in XXXX to determine the exact amount I needed to pay to reach the target amount and was told I would receive a letter closer to the due date XX/XX/XXXX. I waited and never received the letter. I called back and was told the amount I needed to pay XX/XX/XXXX to keep my monthly payment the same. I paid the company on XX/XX/XXXX, the exact amount requested, which they confirmed they received and has cleared my bank. 

I then received notification, late XXXX, that my monthly amount due was increasing and on XX/XX/XXXX and they would draft the higher amount. I contacted the company immediately, provided all information requested, and was told that the information was sent to the accounting department and someone would call me back after investigating. Since then I have called back and been told the exact same thing several times. 

Today, I checked my bank and noticed that the higher amount was drafted. I contacted GoodLeap and again was told that the Accounting Dept. was investigating. I asked to speak to someone in the Accounting Department and was told that I can not be transferred. I believe that this company may be taking advantage of unsuspecting consumers. They need to be investigated.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have sent in affidavits to request specific verification that the CRA 's have been avoiding giving to me to verify that they are actually doing the investigative consumer reports prescribed by FCRA. These companies believe that they are above the law because they are large and have automated systems set up to detour consumers from getting personal access to someone to rectify and remedy these situations in person. 

I do not want my personal information analyzed, serviced and resold by companies who do not have my best interest at heart. These companies report erroneous claims because they have a financial interest in consumers having inaccurate reports. That means more credit monitoring, reports, security freezes and inquiries. How is this fair ir equitable for the consumer as required by Congress in the FCRA. 

I have used this medium to complain over the past years of the inaccurate information that they report and make money off of and not once, even with the deletions and admissions of guilt did they pay me the monetary compensation due. Its been a complete run around with rectifying this and now I am prepared to take this to court if they do not comply. Final attempt to settle outside of a class action suit that I have gotten prepared by my consumer attorney for me and a class of similarity injured Americans nationwide.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

They are continuing to report fraudulent information even after being notified.I am a victim of rights due to prior rental and been denied for housing. 
A freeze was on my account and it wasn't lock. My profile was never frozen
Consumer complaint received 2023-05-02
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. (OH)

In accordance with the fair credit reporting act XXXX  XXXX have violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not finish account without my written instructions
Consumer complaint received 2024-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NJ)

LVNV FUNDING did not provide me with proper notification and has decided to report this information on my consumer reports. If they believe otherwise then I demand that they provide proof by providing a shipping number and the green return card with my signature showing that I was properly notified. Lastly, I attached a debt validation/verification letter and I demand that they provide all requested information in order to verify that this debt is mine. If they can not provide all requested documents then this agency is in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2024-05-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (NY)

XX/XX/XXXX I've opened XXXX XXXX XXXX for XXXX month with 4.25 % APY with the Ally Bank. 
Initial amount {$100000.00}. This account 's matured on XX/XX/XXXX and has been closed with interest earned {$6000.00}. 
I've complained to Ally XXXX customer service that promised earnings according settled APY should be at least {$6300.00}. 
The case has been opened and in XXXX business days I've got phone call, not from the investigatoXXXX, but from regular phone answering person that bank calculations are correct no further explanations.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-11-08
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. (NJ)

Dear CFPB, I need help to remove these inaccurate and misleading items that were reported on my credit files. I've been mailing letters to Experian, XXXX, and XXXX several times since XXXX, but they never responded to any of my letters, and until now, the same invalid negative accounts were reflecting on my credit report.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: IQOR US INC (MI)

Please be advised that as of XX/XX/year> as listed on my most recently reviewed Allied interstate LLC there are several frauds/ or unauthorized information on this account and this debt was sold for less to a third party, please send me the original debt with all documentation stating exactly what I owe. please see the below account XXXXXXXX XXXX XXXX  Account # XXXX reference # XXXX Please remove it from my credit report. 
I am hereby notifying you that the account on file is incorrect and I have not given Allied interstate LLC permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to Allied interstate LLC resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (TN)

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. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-15
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX  : {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc. (TX)

I have no knowledge of the debt. They sent sent a link by email to view documents with name of XXXX XXXX with no signatures. It has recently been added to my credit report. The original creditor was XXXX XXXX XXXX, XXXX XXXX XXXX, TN XXXX. Current creditor is XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NY XXXX.