davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation (IN)

I called the number I found on my credit report and it just played music for  XXXX  minutes.  ( Collection to Deville Management  #  XXXX  {$1800.00}  XXXX  ) I have no record of this debt. I have no idea where it came from or what it 's for. I can not contact anyone to find out more information.     I have no documentation to send you, because I 've never received any.
Consumer complaint received 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

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

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 2023-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (TX)

Original creditor XXXX XXXX XXXX XXXX also known as Monterey Collection SV has opened a collection on my credit report for XX/XX/2020 with the amount of {$5.00}. I did my research on the company and it's on online program to further your education. I have not signed up to attend school ( during a pandemic ) to further my education. The education I have are through a university and are included in my student loans. I have sent out letters to this company on several occasions with no response and no information on where it shows I signed up for this service. This has been a hassle to get off and I have filed Identity theft with ftc as well. I really need this off of my credit as I am trying to buy a new home for myself and my kids.
Consumer complaint received 2021-04-01
Product: Credit card or prepaid 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: NAVY FEDERAL CREDIT UNION (FL)

XXXX has charged my Navy Federal Credit Union XXXX XXXX credit card account for a monthly XXXX XXXX membership in the amount of {$11.00} in which I didn't subscribe to or have ever used. I have disputed the charges with Navy Federal Credit Union XXXX XXXX since XX/XX/2021 and they have failed to assist. The transaction dates are XX/XX/2021, XX/XX/2021 and XX/XX/2021. I initially thought that it was a charge attached to my sons email address or cell phone number. However, it was not the case. On XX/XX/2021, a friend of mine assisted me in locating a way to find and cancel such membership online at XXXX  and we were successful. Apparently, NFCU failed to at least notify XXXX or XXXX that I was disputing the charges because I kept being charged {$11.00}. I honestly believe that is a very unethical business practice to fail to notify a merchant that a consumer is disputing a charge.
Consumer complaint received 2021-05-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (NV)

Aargon Agency has re-barred a debt because I am XXXX and trying to get a mortgage. They are stating on my credit report that the account was opened on XX/XX/2020. The account had gone through the cycle of 7 years and they rehashed it to stay in business and employed.The amount is XXXX. They have been written up as a bad debt collection agency that harasses people.
Consumer complaint received 2023-03-07
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: EQUIFAX, INC. (AL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (SC)

Citi bank refuses to validate identity based on the code word on file, address, birthday, etc. They are asking for other account numbers with other cards/banks and this feels very unsafe to me as a consumer. I refuse to give them account numbers for other companies and can't believe it's their SOP to ask for it. They will only verify on a second phone, with another account, or a letter. I can't even close the account until they resolve my identity even though they will not accept actual information about me or the phone number I entered myself when opening the account.
Consumer complaint received 2017-01-24
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: National Enterprise Systems, Inc. (MI)

I contacted the debt collector on XX/XX/2017 to try and work out a payment plan. The amount that was asked for was too high for me to pay. The agent mentioned that I had twenty four hours to come up with an answer or he will tell the original private loan company ( XXXX ) that I am not willing to work with them.
Consumer complaint received 2024-06-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (LA)

Since XX/XX/year>, the company ( Western Union ( WU ) ) has been cancelling my transactions with no apparent reasons. First I was told that my local bank is preventing the transaction which turned out to be false, and my bank has confirmed that there is absolutely no problem with my account or there is no 'hold ' on my transactions. Next, when I contacted WU, then I was given a different story, - that their compliance department has blocked my transactions. Why? No answer.

I lodged two complaints through the WU Customer Service Department ( case # XXXX for the compliance dept, and case # XXXX for the corporate office ). I was told that WU would call me back within 2 days to have this matter resolved, but that also hasn't happened. 

For not being able to remit funds to my near and dear ones is causing a lot of stress and inconvenience. WU 's customer care service to resolve this matter is simply pathetic.
Consumer complaint received 2017-09-07
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. (CA)

This is in regards to the recent data breach reported for Equifax. They are offering only one year of credit monitoring when the information leaked, e.g. SSN, name, etc. causes an impact for the rest of my life. There have been a lot of breaches but this is the last straw. There needs to be recognition that these breaches are more than a short term issue for consumers and not be used to farm new clients for their monitoring services. They should be required to provide lifetime monitoring for people whose information was compromised.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC (TX)

An inquiry was reported to my credit regarding a debt of {$1900.00}. I deny the debt. XXXX XXXX is an online company that uses predatory tactics for loans. I have never received any loan or check from this company nor have I ever had any dealings with this company. The delinquent amount is dated from XX/XX/XXXX. all 3 credit bureaus reported different opened dates thus further emphasizing the false validity of this debt. XXXX is claiming DRSXXXX reported this debt is from XX/XX/XXXX. This was reported to the credit bureaus on XX/XX/XXXX. The statute of limitations in Texas for any debt is 4 years. I have disputed the debts with all bureaus but specifically XXXX. In XXXX my information was compromised when XXXX was hacked. This has been falsely reported to the credit bureaus causing my credit to be damaged significantly. I have no other collection accounts on my credit and request this be removed from all credit bureaus XXXX, XXXX, and XXXX.
Consumer complaint received 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

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 2017-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NC)

The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/2017 and are proceeding to sale set for XX/XX/2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. 
We request time to review the information being request once received.
Consumer complaint received 2023-09-28
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: EQUIFAX, INC. (NJ)

I don't want to have these accounts in my report, they are not mine, they are affecting me a lot. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-01
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: Bread Financial Holdings, Inc. (FL)

Hi there, the early part of the month of XX/XX/2020 I contacted comenity bank/big lots, advising them ive been out of work due to covid, the representative explain there was a hardship program that I can pay XXXX XXXX month with no interest. Which I happily agreed. I proceeded to make payment., she set up my payment and advise payment wont be due until XX/XX/2020. I advise her my credit score was over 700 and needed to salvage my credit during this hard times and rep rest assure that i can take advantage of payments and It wont reflect negative on my credit report. Fast forward to XXXX 2020 i notice on my XXXX  XXXX  that there was a late for XXXX, i contacted comentiy again talk to a manager and said they will correct issue and delete late from my credit report. I just recently pulled a credit report yesterday and notice it was not remove.
Consumer complaint received 2021-05-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Benworth Capital Partners LLC (SC)

I applied for first and second draw PPP loans with XXXX and it was sent and approved by the SBA, and Benworth Capital was the lender. It said that Benworth funded my account. They lied! They never sent the money to my account and I know they are going to start making withdrawals from my account after the deferral period. I signed a promissory note and it's been almost a week and still no money. I can prove it with a certified statement from my bank that they never funded the account. I tried calling Benworth and the line is always busy. I tried emailing them and the email was undeliverable, so that means it's a fake email address. I tried contacting XXXX and the page won't load.
Consumer complaint received 2024-03-23
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. (IL)

I recently reviewed my credit report and I noticed accounts on my report that are not mines. The credit bureaus are violating the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy They are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. I never gave them permission to list these accounts on consumer report. Congress said I have the right to decide what I deem private. I deem any information on my account to be private, and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
Consumer complaint received 2023-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RECOVERY ASSOCIATES has posted an account on my credit report. Portfolio recovery associates is a debt purchaser. However Portfolio recovery services never notified me of my right to dispute the debt that they purchased from XXXX XXXX. In addition they claim that the Date of first delinquency was XXXX, 2016. THe original date of deliquency was XXXX 2016. with no payments or promises to pay being made after that,
Consumer complaint received 2023-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio recovery associates is reporting an account as a regular account however it is a collection account Portfolio recovery associates purchased this debt from XXXX XXXX Upon XXXX this debt they began reporting it to the credit buraus as collectable however Portfolio Recovery Associates never notified me that they purchased the debt. Portfolio recovery associates also never notified me of my right to dispute this debt. 

in addition Portfolio REcovery Associates is reporting the date of first delinquency as XX/XX/ when in fact the date f first delinquency was XX/XX/XXXXwith no payments or promises to pay being made after that.
Consumer complaint received 2021-04-01
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 — Problem with personal statement of dispute
Company: U.S. BANCORP (IL)

I Repeatedly Asked U.S.Bank To Validate Account With XXXX XXXX XXXX Made Pursuant To The FDCPA & The FCRA, With Any Documents, Bearing My Signature For Verification.The Credit Card Account Is Listed As Verified by Creditor, Without Any Viable Evidence With My Signature.
Consumer complaint received 2024-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (AZ)

I would like to bring to your attention that Ive been a victim of Identity theft and my driver 's license was stolen at XXXX XXXX XXXX XXXX. This incident has added to the complexity of the fraudulent activities that have affected my financial well-being. 

I have already involved the local law enforcement authorities and am fully committed to prosecuting anyone found to be involved in these fraudulent activities on my credit report. 

I kindly request your urgent assistance in investigating this matter and taking appropriate actions to rectify the fraudulent accounts and transactions on my credit report.
Consumer complaint received 2022-11-24
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. (NJ)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (MA)

My lease financed through Chrysler Capital for a 2018 XXXX XXXX XXXX was paid off via dealer buyout, when trading in for a new vehicle purchase at another dealer, for the agreed upon buyout price. However, Chrysler Capital has continued to apply the regular monthly " amount due '' to my account as well as assess late fees, even though the account was paid in full, and even reported closed on my credit reports. 

*A payment was made for the regular amount due ( but not late fees ) for fear of having to then fight a missed payment reported to the credit agencies.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-23
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. (GA)

I have sent all three bureaus, letters that there is information on my credit report is inaccurate and not verified. by law, it should be XXXX accurate and it is not.
Consumer complaint received 2021-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AZ)

In XXXX las year paypal limited my account. 
they ask me for document but when i try to send the info, they just close my account. 
they told me i have to wait 180 days for get access to my money but after they send me the email my money is avalible, i never can get access to my funds. 
i try to call and they just said wait for another email. 
more than 180 days and paypal still hold my money that is not good. 
your agreement said just 180 days no more. 

Paypal im really tire to hear said, fraud activity, suspisius activity or dispute, Please dont said that becouse my account do not have any of those thing associate. 

I want you tell me if when i can withdraw my money becouse, im really tired of wait. 

Paypal just gave me my money please. 
I know you dont want me use your services anymore but gave me my money, that all that i want. 
my email is XXXX XXXX
Consumer complaint received 2017-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (AZ)

I was buying a ticket at XXXX XXXX. While I was doing that - this offer came in between which literally meant that apply for the XXXX XXXX XXXX Credit card from Citi and you will get {$100.00} credit.
Later I come to know that it 's not the case. Neither I am getting {$100.00} as statement credit but i will have to pay for the annual fees also. This is misleading and clear violation of UDAAP.
When i called the customer service they told me to get {$100.00} credit - i need to buy something on XXXX Why in the world they flashed such a fake commerical/advertisement? I could have used this card provided after the approval - they have immediately shared the Credit Card details ( just the way XXXX XXXX does it using it 's mobile wallet app )