davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN EXPRESS COMPANY (CT)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX The company named XXXX  XXXX XXXX XXXX, Deleted 25 account from my XXXX  Credit report. My credit score was an XXXX on XX/XX/XXXX, and because I have no account showing on my XXXX   Credit report my credit score dropped to a XXXX. I called XXXX  the company on XX/XX/XXXX I spoke to a rep who said that I dont have any accounts reported or listed on my XXXX  credit report, and that this is per the Creditor. 
I asked the rep how do I go from having 25 accounts listed on my XXXX  report 3 months ago and now having zero accounts not listed on the credit report. I explain to her that the 25 accounts are still active and that they should be showing on my XXXX  report. The rep said that I need to reach out to each creditor to let them know that my accounts are not being report to XXXX. This should be the job of XXXX  to investigate and not take decisions that will hurt the consumers credit. 
My wife, and I have been saving money to buy a house, and we are getting ready to apply for a Mortgage. The company XXXX  XXXX XXXX XXXX has wrongfully manipulated by credit history in a careless way. I am asking for the Consumer Financial Protection Bureau to investigate XXXX  XXXX XXXX XXXX negligent wrongful handling of my credit history. I this report I will provide all the creditors that were deleted my XXXX  credit report, and I will attach the XXXX   creditor reports showing zero information for my credit. 
It takes a long time to establish credit and to establish a good score. I want for XXXX  XXXX XXXX XXXX to re-instate all my 25 accounts, FIX MY CREDIT SCORE, and to show accountability for the errors and problems that they have caused. 
XXXX  Account XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX - XXXX  DELETE ACCOUNT XXXX XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX - XXXX   DELETE ACCOUNT XXXX XXXX XXXX - XXXX  DELETE ACCOUNT US DEPT. OF EDUCATION XXXX - XXXX  DELETE ACCOUNT XXXX  XXXX XXXX XXXX credit card - XXXX XXXX  DELETE ACCOUNT XXXX  XXXX XXXX XXXX XXXX  XXXX - XXXX   DELETE ACCOUNT XXXX XXXX  XXXX XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX XXXX - XXXX  XXXX ACCOUNT American Express XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX - XXXX  DELETE ACCOUNT XXXX- XXXX  XXXX XXXX  DELETE ACCOUNT XXXX XXXX XXXX XXXX   DELETE ACCOUNT XXXX - XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX  XXXX XXXX  DELETE ACCOUNT XXXX XXXX  XXXX XXXX XXXX   DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  DELETE ACCOUNT XXXX XXXX  - XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX XXXX   XXXX XXXX  DELETE ACCOUNT XXXX  XXXX  DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  DELETE ACCOUNT WELLS XXXX EFS XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  DELETE ACCOUNT
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (OH)

Letter of validation and request of 1099c was sent to company due to reporting of charge off. there was no 1099c sent to me nor did i give consent to furnish any data on my consumer report. it is illegal to report debt that suppose to be earned income to a consumer report.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

Upon reviewing my recent consumer report, I discovered the presence of bankruptcies that should not be included. After conducting research on relevant laws, I have come to understand that your actions are in violation of 15 U.S Code 1681 a ( 4 ) - the Consumer Right to Privacy. It is my right as a consumer to have these bankruptcies removed from my credit report, as well as to have my personal information protected and not released without my consent. I find your actions completely unacceptable. 

I want to emphasize that I am a victim of identity theft, and your organization may be held criminally and civilly liable for its actions. I urge you to handle this complaint in a thorough and appropriate manner. If the situation is not resolved to my satisfaction, I want to make it clear that I will not hesitate to pursue legal action against your company. 

I expect immediate attention to this matter and a swift resolution. Please acknowledge receipt of this complaint and provide a detailed plan of action to rectify the situation. Failure to comply will leave me with no choice but to take legal measures to protect my rights.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (NY)

An account with Navy Federal Credit Union was fraudulently opened with my information in XX/XX/2020. I discovered this account my checking my credit report through XXXX. I've made multiple attempts at disputing this account and haven't gotten a resolution. This account is negatively affecting my credit.
Consumer complaint received 2018-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I had health insurance through a company called XXXX XXXX in XXXX. The company went bankrupt and the state took over reimbursements. I have sent Transworld Systems a letter from the Department of Financial Services and they STILL keep sending me letters. 

The Bill was from XXXX XXXX XXXX for lab work in the amount of {$33000.00}. 

The date was XX/XX/15
Consumer complaint received 2022-11-23
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. (GA)

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 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 that a consumer reporting agency can not furnish an 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 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 that person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX deposited two legitimate checks drawn from XXXX XXXX into my checking account. An extended hold ( 11 days ) was placed on the deposits, citing " check specific information '' that the checks may be returned. 
XX/XX/XXXX Visited the local BoA branch to find out what was the holdup, no one could tell me what the " check specific information '' was. Called XXXX, and in the presence of the branch manager, was told that the checks were indeed legit. Told that my account was now " under review. '' Left the bank and tried to make a purchase with my debit card and got declined twice. Returned to the bank and told that my account was frozen while under review. Could not access funds in my account until the hold was lifted, XXXX hours was the estimate. These funds were in my opinion being illegally withheld, as they were existing well before the deposits in question. 
XX/XX/XXXX Went back to the branch, got an email that morning from BoA stating that my phone # was deleted and could no longer use XXXX because " the account was closed. '' Associate had no idea why that was sent. 
Still waiting for BoA to resolve, unbelievably bad customer experience. I'll be closing my account ASAP after this is resolved.
Consumer complaint received 2023-02-17
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. (MI)

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX 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 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 2024-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TN)

Dear Sir/Madam, I am writing to file a formal complaint against Midland Funding LLC Collection Agency regarding their collection practices in relation to my account with them, identified by account number XXXX. I just looked at my credit report and I see that Midland Funding LLC Collection Agency has been violating my rights as a consumer under various provisions of federal regulations and statutes. 

Specifically, Midland Funding LLC Collection Agency is in violation of the following regulations and statutes : XXXX. XXXX12 CFR 1006.34 ( b ) ( 5 ) XXXX  : This regulation outlines requirements for debt collectors in providing validation of debts. Midland Funding LLC Collection Agency has failed to provide proper validation of the debts associated with my accounts as required by this regulation. 

XXXX. XXXX12 CFR 1006.34 ( c ) ( 4 ) ( i ) XXXX : This regulation pertains to the provision of written notice by debt collectors. Midland Funding LLC Collection Agency has not provided adequate written notice regarding the collection of the debts in question, as mandated by this regulation. 

XXXX. XXXX12 CFR 1006.34 ( d ) XXXX : This regulation addresses the timing of validation of debts. Midland Funding LLC Collection Agency has failed to adhere to the specified timeframe for validating debts, as stipulated by this regulation. 

XXXX. XXXX*15 USC 1681-S2 ( 7 ) ( A ) XXXX XXXX This statute concerns the rights of consumers in relation to their credit information. Midland Funding LLC Collection Agency 's actions are in violation of my rights under this statute, as they have not provided proper notification or validation of the debts impacting my credit.

I demand that Midland Funding LLC Collection Agency cease all collection activities related to my accounts and delete the reporting of the account to the credit bureaus. Furthermore, if Midland Funding LLC Collection Agency believes they have provided me with proper notification, I request that they furnish me with a certified receipt bearing my signature as evidence of such notification. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Midland Funding LLC Collection Agency for their violations of consumer rights. I also request that you keep me informed of any developments regarding this complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

So I sent a letter of to the consumer reporting agencies Experian XXXX and XXXX to remove address from my personal information and that I am a victim of identity theft back in XXXX of XXXX  According to the fair credit reporting act 15 USC 1681 I have the right to privacy also according to 15 USC 6802 no final institution is not supposed to share my information to third party people they are clear violations of my federally protected consumer rights The names are XXXX XXXX XXXX XXXX Address are XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2024-04-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MA)

A fraudulent collection charge was added to my credit report XX/XX/year> from JEFFERSON CAPITAL SYSTEMS. The collection was for a XXXX charge of {$2300.00}. I have never had a XXXX acct or received a bill from XXXX. I assume this is the result of identify theft. A few years ago this collection report appeared on my credit report and was confirmed to be fraud and was removed after disputing thru credit reporting agencies. Now it has reappeared and is fraudulent.
Consumer complaint received 2023-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (TX)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281 SW 715,719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. The 15 USC 1692 g Validation of debts. I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the high or past due balance nor do I recognize if any payments associated with everything being reported does not meet the FCRA.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX card credit company has reported to all three credit bureaus that I have not made on-time payments in XXXX, XXXX, XXXX, of this year in 2023. This reporting is 100 % false as I have made every single payment on time. I have provided evidence of payment to Experian and to the credit card company because they deduct the payments out of my bank account automatically. 
I disputed this false information on Experian provided evidence of payment and found out today that the credit card company has declined my dispute, and will be leaving the negative marks on my credit. I am in desperate need of help because this false reporting is affecting my credit.
Consumer complaint received 2023-08-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (FL)

My wife was connected by XXXX  XXXX XXXX on XX/XX/XXXX. I have had no prior communication. Whatever account was not registered in her name or contact information. I reached out on XX/XX/XXXX for a debt validation letter. I haven't received one. Its has been over 5 days since requested or an option to dispute the debt. Stated debt was from XXXX XXXX XXXX, which I have never held debt with.
Consumer complaint received 2015-12-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P. (TX)

Credit protection association is trying to collect a debt ( # XXXX ) that does not exist on behalf of XXXX XXXX from XXXX. XXXX XXXX received the equipment in question and I retained the receipts when mailing said equipment back to them. When this debt originally populated on my credit report I asked XXXX to perform an investigation and to ask this debt collector to prove the validity of this debt This debt collector could not so so and the results were that the collection was removed from my credit report on XXXX/XXXX/XXXX. This debt collector is trying to collect under false claims. I need them remove this collection from my credit report asap.
Consumer complaint received 2020-02-10
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. (FL)

XXXX XXXX has me owing XXXX on an account that was opened by someone while i was in federal prison. Being in prison how can i have possibly opened an account if i had to funds and no way of paying knowing i would be in prison for more than 5 years, I sent paperwork proving i was in prison and they returned saying the information they have is accurate??? this can not be. I am trying to be a good citizen and start a new life and take control of my financials and they do not help me!
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

4 Counterfeit Checks were drawn on our account as follows : Check XXXX in the amount of {$3900.00} on XX/XX/XXXX Check XXXX in the amount of {$3800.00} on XX/XX/XXXX Check XXXX in the amount of {$4900.00} on XX/XX/XXXX Check XXXX in the amount of {$4700.00} on XX/XX/XXXX Total Money owed to us from US Bank is {$17000.00}
Consumer complaint received 2024-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA (AZ)

XXXX by Goldman Sachs received an Incoming wire from XXXX XXXX XXXX, the financial facility utilized by my escrow company upon closing on the sale of my home. 

XXXX Upon confirming wire had been received by XXXX XXXX I attempted to transfer funds after which I received an email confirming the transfer was in process. 

XXXX When checking the status of the transfer, I noticed XXXX had done a " reversal '' of the transfer, and funds had been re-deposited into my initial account. 

XXXX immediately called XXXX asking why reversal was done on the transfer of funds. I was transferred to a supervisor. Told they were making sure no fraud, and this was to protect me. When I asked when these funds would be available or the timeframe needed, she could not give me a timeframe or information. 

XXXX I made another call asking when available and why still holding funds- The supervisor told me the problem was with XXXX XXXX XXXX XXXX XXXX receiving/external bank I was trying to transfer funds to. After talking in person to XXXX, there was nothing wrong with the receiving bank or my account. I asked for a manager to call me immediately. Was assured they'd call me within XXXX hours. I have never heard anything from anyone!!! 

( As of today XX/XX/24 ) It has been nearly XXXX weeks and funds are still not available.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Affirm Holdings, Inc (FL)

upon looking at my credit card report i saw four different hits for this company Affirm INC that i never signed up for i called them and they said they could not trace the accounts and even said i seemed not to have them even though they are showing up on my credit report.
Consumer complaint received 2023-02-21
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00}
Consumer complaint received 2023-01-25
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: Ability Recovery Services, LLC (MN)

I XXXX XXXX contacted Ability Recovery Services on XX/XX/2023 to inquire about the debt and was informed that the account did not exist. The company suggested I reach out to XXXX XXXX so I contacted you all instead I spoke with XXXX XXXX ext. XXXX I need this removed from my credit profile for I never went or attend XXXX XXXX thank you.
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number # XXXXXXXX XXXX XXXX XXXX account number # XXXX, XXXX XXXX account number # XXXXXXXX XXXX XXXX account number 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.