davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc. (AZ)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2023-08-28
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)

There are ( 2 ) " hard inquiries '' on my credit report that " I didn't not authorize '' or have knowledge of. 
( 1 ) Capital One ... hard inquiry on XX/XX/XXXX XXXX XXXX ( 2 ) Capital One ... hard inquiry on XX/XX/XXXX  There are also ( 2 ) " collections '' from agencies whom aren't authorized to bill me as I have had no contact with said agencies. They are " third party '' bill collectors. I have no knowledge of these agencies or their functions. These accounts were supposedly settled and closed. Thank you.
Consumer complaint received 2024-04-29
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (MO)

A company called ALLY FINANCIAL INC. has been intentionally misreporting on my credit reports. They are furnishing numerous XXXX-day late payment notations in my consumer reports, and it is ruining the accuracy and integrity of my consumer report. These constant reporting in turn are damaging my ability to get approved for new credit. it is misleading, false, and illegal. The account being reported by this company had already been disputed, but the company insist that is it accurate. ALLY FINANCIAL is in violation of 15 USC 1681s-2 ( b ) ( i ) ( ii ) for intentionally reporting bad information to the consumer reporting agencies.
Consumer complaint received 2024-04-26
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NM)

I have already filed a complaint again

st Synchrony before, but the problem is reoccurring. Synchrony claims to have an autopay feature, but they are tricking customers by un-enrolling us from the feature without notification so the monthly pay
ment is missed and fees occur. This is a nefarious method of extracting extra money from unsuspecting customers through fees that they will then have a representative condescend to the inquiring customer that they must not have enabled the feature to begin with.

Fortunately, I have evidence that I was enrolled and taken off without my knowledge.
Consumer complaint received 2023-05-17
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. (MS)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be fraudulent due to identity theft. The dispute inquiries do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that inquiries are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-22
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: Tower Loan of Mississippi, Inc. (AL)

I Filed identity theft and I have been in an ongoing data breach and I've been heavy inquiries that I never took part of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I reviewed my credit report on XX/XX/2024 and noticed Experian is reporting outdated address- My Legal Name is XXXX XXXX XXXX ( XXXX XXXX XXXX Name ) -other variations are incorrect. 

My current address is XXXX XXXX  XXXX XXXX, XXXX TX XXXX-address should reflect XXXX-when I moved into my home ; XXXX shows XXXX-inaccurate ; XXXXinaccurate city and date -- ( XX/XX/2024 ) Experian is the only CRA reporting old addresses- ( some over 20 years old ) -
Consumer complaint received 2023-12-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Company, XXXX, will not stop calling 10-12 calls a day, all from different phone numbers. Claim a debt that I dont owe. Claim to be attorneys, which they are not. Harassing and threatening behavior.
Consumer complaint received 2023-05-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (PA)

I checked my credit report to find several debts that I never even heard of. Contacted them to verify the alleged debt. I sent a letter stating I checked my credit report and they were on there as a derogatory mark. I wrote them and asked for proof of how they came to have this alleged debt. what they sent me was nothing I asked for to properly verify this alleged debt. After my own research, I am fully under the impression they are a scam company after reading reviews from ex-employees on XXXX and other victims of this company. I would also like to make a point that after sending these letters to the company and demanding they send me real and legitimate proof, I have also been receiving calls from " XXXX XXXX XXXX '' saying I signed up for them, also a lie. I speculate that since they couldn't scam me into paying for a debt that was not mine they started using a third-party company to further harass me.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NV)

In the XXXX I was trying to transfer money to my sister ( same parent, sharing the same last name ) to XXXX, as I havent been able to travel back for over XXXX  years. 
They confirmed all the details, verified everything to make sure it is not fraud. And they said they will release the wire transfer. But the next day, I couldnt accept to my account ; thats when I found out my account was closed. 
Whatever, I just want my remaining balance in my account, as I need those money for my family, myself, everything. I was told it will take up to XXXX to release and issue me the check of the remaining funds in my account. I called many times, every time was told the same answer. Finally it exceeded the XXXX, I called the customer service and they sent me to the local branch to get my money back.when I got to the branch, I was only able to get some money back, the remaining {$18000.00} will be mailed to me as a check. 

I went home and filed complaint, I was told from Citibank the money was determined not belong of myself? Which was so funny, I have been a client with Citibank since XXXX All my saving and paycheck was coming from there. I dont understand what the money comes from? 

I called many times again, and customer service told me to the local branch to get the money back, I went there today and waited for over XXXX. During the waiting time, the banker called the customer service first and told it is okay to issue me the remaining {$18000.00}, the money was transferred to under a GL, as long as the bank is unblocked and they will be able to transfer the money out and issue me the funds.then later the XXXX there asked to call again of the customer service, this time its a different story. I couldnt because the money through a third party, something called ACH. The banker told me the customer service told her to tell me to wait XXXX weeks just to send me away, they dont explain the reason why. 

I have recorded everything, I have all the bank statements of the transcations. And There is no reason I was been told different stories every time I reach out. You guys are fooling me and taking my money for yourself. This is thief, stealing customers money and keep for yourself. 

This is as the formal and final notice to CitiBank, if I dont get my fund back. I am using the legal advice to protect me. I am searching for lawyers and do whatever to get my {$18000.00} back.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, XXXX, TRANSUNION, AND XXXX XXXX XXXX XXXXXXXX. is obligated by the FCRA to report accurate accounting. XXXX, XXXX, TRANSUNION, AND XXXX XXXX XXXX XXXXXXXX. ARE NOT TO REPORT NEGATIVE TRANSACTION HISTORY PER SECTION 603 ( 2 ) ( A ) ( i ) ( ii ) ( iii ) and SECTION 624 ( a ) ( XXXX ) ( A ) ( B ). 

XXXX, XXXX, TRANSUNION, AND XXXX XXXX XXXX XXXXXXXX. ARE REPORTING TRANSACTION HISTORY AND UTILIZATION IN CONTRAVENTION OF THE FCRA. 

Consumer has advised XXXX, XXXX, TRANSUNION, AND XXXX XXXX XXXX XXXXXXXX. IN THE PAST OF ALL the inquires reported as fraud. Said company had four business days according to LAW to remove transaction history reporting including CREDIT UTILIZATION. XXXX fraud report will be filed on behalf of consumer, consumer is now requesting XXXX, XXXX, TRANSUNION, AND XXXX XXXX XXXX XXXX. to provide the documentation used to determine inquiry, TRANSACTION HISTORY AND CREDIT UTILIZATION was indeed authorized by the consumer, XXXX, XXXX, TRANSUNION, AND XXXX XXXX XXXX XXXXXXXX. has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signture. Consumer is not asking for an XXXX report. If XXXX, XXXX, TRANSUNION, AND XXXX XXXX XXXX XXXXXXXX. does not have documentation to show TRANSACTION HISTORY AND UTILIZATION were in fact authorized TO REPORT TO CONSUMER CREDIT FILE/REPORT it must be removed immediately. 

XXXX, XXXX, and TRANSUNION ARE NEGATIVELY REPORTING LATE PAYMENTS IN CONTRAVENTION OF TIMING OF PAYMENTS : 15 USC 1666 B HOW MANY TIMES MUST A CONSUMER FILE CFPB COMPLAINT AGAINST XXXX, TRANSUNION, and XXXX FOR INACCURATE REPORTING AND VIOLATIONS OF THE FCRA BEFORE THEY CEASE TO CONTINUE THEIR OBSTRUCTION OF COMMERCE. XXXX, TRANSUNION, and XXXX ACTIONS HAVE BEEN EXTREMELY INJURIOUS TO MYSELF AND MY INALIENABLE AND UNALIENABLE RIGHTS AS A CONSUMER AND THE XXXX XXXX.
Consumer complaint received 2023-10-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMERCIAL SERVICES GROUP, INC. (VA)

I am showing on my credit report that this company is reporting an incorrect debt on my report. I am showing on my credit report that debt collections company " commercial services group '' is reporting a debt in the amount of {$580.00} for XXXX XXXX in which is a telecommunications company in the state of XXXX in which I do not live. I have disputed this several times and I have sent over valid photo ID showing that I have lived in XXXX  since XXXX and since have moved to the state of Virginia. I did not live at the address that they are stating that this service was established at. I have sent over supporting documentation and I am demanding to have this inaccurate debt removed from my credit report.
Consumer complaint received 2024-04-11
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. (OH)

I am writing to express my deep concern regarding the persistent hard inquiries listed on my credit report, as referenced in your recent communication regarding Complaint ID Your Complaints XXXX. While I appreciate the acknowledgment of an internal fraud resolution process available through the respective creditor, it is troubling that these inquiries were conducted without my explicit consent. 

XXXX XXXX - XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2022
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (NC)

On XX/XX/2023, I contacted XXXX XXXX XXXX  to have someone come out and give an estimate on building a pool. They asked me my name, birthday, marital status, and if I owned my home. I gave them that information. The next day I got an alert on from my credit monitoring service that XXXX XXXX XXXX had pulled my credit. I called them to find out why and resolve the isse. I was told that they asked for my permission to pull my credit when they asked for my birthday. I was never asked if it was ok to pull my credit. I had no intentions on using their financing and so there was no need for them to do this. I did not give them permission to access my credit and want this inquiry removed.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Negative reporting from furnishers of credit were not authorized by me. I have been derailed and deceived by their outsourcing employees. There's is no resolution in dealing with the ignorant people at TransUnion who continue to robotically repeat the same tactics of stalling and deliberate and irresponsible reporting that has hurt my financial situation and has affected my employment as a government agency employee. I will be contacting an FCRA attorney for enforcement however I desire the CFPB to follow up with these predators.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL, USAXXXX  usaa checking XXXX XXXX XXXX XXXX XXXX, TX, USAXXXX RE : Disputed Account - Notice to Furnisher XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Pleasesend me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTCIdentity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX Enclosures : XX/XX/2023 Close the unauthorized account Removeany charges on the unauthorized account, and Takesteps to remove information about this account from my credit files. 
FTCIdentity Theft Report Proof of identity Notice to Furnishersof Information
Consumer complaint received 2018-08-09
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: Finkelstein, Kern, Steinberg & Cunningham, PC (TN)

My name is XXXX XXXX and I have a File Number with Finkelstein, Kern, Steinberg & Cunningham, P.C. The court appointed amount to be paid each month by money order is {$25.00} per month. This company has tried to raise this minimum amount to {$65.00} per month. In my opinion, this company has to ask the Court to raise that amount. I almost had my Car repossessed and have to have basic utilities and Auto Insurance. I have tried to sell my home six times and it was not successful. I have had to change my cell number which is prepaid and is not always in use because of cost I am keeping a file on the amount of times he calls me and what is said. I had to pay my property taxes which were behind so my property would not be seized and sold for property taxes. I have lost my home phone service also. This has been stressful. I will not give him my Bank Account Number at all. He gets a money order for the {$25.00} each month or nothing. I will go back to court with notes and report his abuse. I only have social security to live on. I have had XXXX and XXXX problems with some jobs because of standing on my feet. Some employers do not give you a break regularly. I had to report an employer to the Department of Labor to get 8 hours pay after two months. I worked in Debt Collection and I know they are governed by laws also.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (GA)

The debt is owned by a business, XXXX XXXX XXXX XXXX XXXX XXXX I DID NOT personally guarantee this account. The only reason XXXX supplied my social security number with this account is because I have personal accounts with that bank but I NEVER personally guaranteed this card and they have not been able to provide proof that I did. This is a violation to combine my personal and business accounts in this way. This collection should not appear on my credit report.
Consumer complaint received 2024-04-03
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. (WA)

There was a hard inquiry on my account that was prompted by fraudulent activity. I never applied for a home loan with a XXXX XXXX! I was not in the market for a new house. There was malware or something on their website that caused this. They admitted wrong and promised to correct the issue. They said it would take XXXX months for my credit to be repaired. This has never happened. I waited XXXX  months! The hard inquiry is still on my record! I talked to someone on XX/XX/2024 and they talked around in circles for an XXXX. I DID find the original letter. I attach it.
Consumer complaint received 2024-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (VA)

On XX/XX/year>, I purchased a XXXX XXXXXXXX XXXX from XXXX XXXX in XXXX XXXX Virginia. 

The finance office placed me in a loan with Ally Bank. It took them nearly a month to provide any basic information about the loan like an account number or payment date. 

When I was finally able to get into the account online, They stated on my account that they provided the contract to me on XX/XX/year> which is inaccurate. As of that date, they had provided me with nothing. 

The link to the document online goes nowhere. This video clip showing me trying to access it demonstrates that. 


XXXX XXXX XXXXXXXX? XXXX I have contacted Ally Auto numerous times about this both via phone and live chat and they flatly refuse to take any action on this. If I send them the wrong car payment amount, they would be all over me but I am asking them to correct information posted on my online account. 

I received a voice mail from Ally on XX/XX/year> from the number XXXX asking me to call XXXX, dial option XXXX, then dial option XXXX and ask for XXXX. These numbers got me nowhere other than back to their " customer service '' who had no idea why I was calling. 

They have actively avoided making this correction to my online account for more than two months.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (IL)

Over a few months, I had made monthly payments on my {$18000.00} credit card debt ( limit of {$21000.00} ) hoping to make a big purchase. When I paid it down to {$10000.00}, Wells Fargo halved my credit limit without notice. I contacted them to request they increase it back to its original limit and was denied without reason. Their decision to half my credit limit without notice not only harmed my credit score but led to a delay in important life events.