davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
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. (TN)

I am a victim of identity theft. There is a fraudulent account from XXXX XXXX being reported on my Experian credit report. The account with a balance of {$640.00} is a result of identity theft. I have attached copies of my ID and the FTC report for this account.
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Quall Cardot LLP (CA)

Quall Cardot is a debt collection agency parading themselves as a law firm that apparetly has the ability to take money from me that I have in a checking account to use as they see fit. 

I had {$3400.00} taken from a bank account that I needed to pay my rent, taxes, and other obligations. This collection agency took my money without my consent, or providing me with notification ahead of time. They said they were unwilling to work with me on a payment plan regarding the {$3400.00} -- however, they would be willing to set up a payment plan for other obligations I have. This company would not tell me when, how, or how much money I owed -- but they said there was absolutely no way I would ever get the {$3400.00} they already took back from me.
Consumer complaint received 2022-12-31
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: Experian Information Solutions Inc. (CA)

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, 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 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX -open XXXX XXXX Balance Owed : {$2800.00} Date XXXX XXXX XXXX Balance Owed : {$6100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$6300.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2500.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY (FL)

Over the last 3  years multiple of my financial accounts from various companies have terminated my existing accounts that had been in good standing for years. These types of accounts and companies include : - American Express Consumer Credit Cards - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personal investment account - XXXX XXXX XXXX XXXX  Account / XXXX Checkings Account All these accounts were terminated abruptly and with no explanation ( aside from XXXX, who sent a generic letter via mail ). 

Ive called each company to find out why I didnt receive a notice, what the reasoning was, or to request an adverse action letter. 

Each company has given me an almost identical response, which is Per the terms of your agreement, we can terminate your account at anytime and without reason and/or We terminated your account due to a business decision. 

After my many calls, letters, and emails to find out why I was terminated or what system or third party was used to make this business decision, I am given no response. 

When my financial advisor learned my ROTH IRA account with XXXX was terminated, he was able to contact someone at XXXX and learned it was due to me being flagged on the AML ( anti money laundering list  ). 

We were both blown away, I havent a clue how to even launder money. However, 11 years ago I was XX/XX/XXXXof a felony when I was XXXX related to XXXX. I had a feeling my crime ( which no restitution is owed, no liens or judgements ) is somehow flagging on 3rd party screening software to supplement my credit profile and incorrectly identifying me being on the XXXX. 

I have no clue how to proceed, because no company will even give me anything beyond a business decision as to the reasoning. I am afraid to apply to other financial institutions because I may be blacklisted. It leaves me in a difficult situation when it comes to banking and investing.
Consumer complaint received 2020-03-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/2020, I attempted to open a business account for a XXXX XXXX in the state of Virginia. Upon articulating this to the branch representative in XXXX XXXX, I was incorrectly advised that in order to open the account I would need either a business license certification or an occupational certification. I explained that a business license certification is not needed in the state of Virginia for XXXX XXXX and that my business was not operating using a DBA, it would simply be titled as my full legal name. The information confirming same can be found here : http : XXXX and here : http : //www.bos.virginia.gov/starting.shtml. Moreoever, I have previously opened a business account with this company ( since closed ) and was not required at that time to provide any of the documentation that was required at the time of attempted account opening on XX/XX/2020. Perhaps the fact that I had a promotional opening offer for {$200.00} was the real reason for not wanting to open the account.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MS)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2021-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (SC)

My loan was originally with Great Lakes. I have been paying on my loans since the mid XXXX. I borrowed around XXXX. My loan was up as high as XXXX for many years. I had paid it down to close to XXXX or so by paying more than the amount required. Suddenly, my loan was sold to Nelnet. The terms changed, and my loan though I am paying more per month, one of my loans is actually going up. I am not significantly impacting principal, but based upon the document they just sent for interest paid for 2020 ( approx 1,400 ) I am not impacting interest either. They are applying my money to future payments, while claiming to charge daily interest. Furthermore, they told me my loans were not eligible for the cares act interest freeze. During the time I have been paying this loan, I was an XXXX XXXX for five years, I served in the United States XXXX in XXXX, I served as a XXXX XXXX for 8 years, and XXXX XXXX for 8 years. I suffer from XXXX and other service connected injuries I sustained as a result of my service. I also suffer from a XXXX. I am currently 90 % service connected, but to get to this point I spiraled down unknowing, but I have never missed a payment. I have more than paid this loan back. I have paid my home loan down faster. This loan boarders on predatory. This is really unfair.
Consumer complaint received 2021-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation (NC)

I received a call from a man from a South Carolina phone number claiming to be from Regional Finance who said he could help me with my Debt. I told him I know nothing about any company called Regional Finance and my credit is excellent. He asked to confirm my identity and I asked him to confirm his as he is the one who called me. 
He got upset claiming I was behind in payments and he wanted to help get my account up to date. I said I am not paying any phantom debt and he could XXXX off or I'd come to his house and make him pay the debt. He wanted to confirm my address. I said that you called me so you should have my address if I truly owe a debt, so I am not providing that for you. He mentioned my name again but this time with a different last name. I told him it wasn't me and he proceeded to tell me that my identity may have been stolen or someone used my phone number for a loan. I hung up and then searched for the Regional Finance bank office in XXXX, NC and called the office I found. I spoke with a lady who looked me up in their system by my phone number. She said that I was on a loan call list and have been marked to not call in their system. I asked to speak with someone to confirm why they were calling me about a loan I did not owe. She then transferred me to a man, whose voice I recognized as the one who called me earlier. 
He told me that my phone number has been marked as do not call from the loan and that he didn't wake up today and say he was going to harass people for money. 
I find this hard to believe as I received a piece of mail from them two days later for a different person at my home address who you can clearly see in the attached document is NOT my address and NOT my last name! 
It is obvious to me that the person they are after is not me and the address is different. Why then did they go find a person with the same name and call them to collect a debt - that is a poor tactic to collect money for a debt from the wrong person. It is obvious that that person is not me, so they should have never called me to pay any money I did not owe.
Consumer complaint received 2020-03-14
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. (FL)

I have been a Victim Of Identity theft with These Accounts XXXX XXXX   open Dates XXXX XXXX {$4000.00} XXXX XXXX  XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XX/XX/XXXX {$3600.00} Please close these Accounts Due to Fraud I Did not authorize accounts to be open
Consumer complaint received 2021-03-19
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. (NV)

To whom it may concern, I am writing this letter to inform the Consumer Financial Protection Bureau of a repeated violation of my right under the Fair Credit Reporting Act and the laws which is governed by both the State of Nevada and the Federal government with regards to both a previous and current credit dispute. Equifax submitted a previous credit dispute on my behalf asking the creditor also known as ( XXXX XXXX XXXX XXXX ) to investigate account ( XXXX ) for inaccuracies which the account was investigated and deemed accurate. However I recently reviewed the account for errors and inconsistences and found that ( XXXX XXXX XXXX XXXX ) has several months of credit data which is still reporting inaccurately I have listed those months in question for your review. The months are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As you can see by the document I which I have attached, XX/XX/XXXX ( 60 days past due ), XX/XX/XXXX ( 60 days past due ), XX/XX/XXXX ( 60 days past due ) and XX/XX/XXXX ( 120 days past due ). There are also several months whereas no data was entered XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And last but not least, although this account has been charged off and closed, it is still reporting a balance and past due amount and has consistently reported charge off after the closed date which is showing up as a new charge off each month on my consumer credit report since the month it was reported as closed. These inaccuracy continues to further damage my consumer credit file on a month by month and year by year basis. Equifax/XXXX XXXX XXXX XXXX has had plenty of opportunities to correct these inaccuracies over the course of over 4 years but continue to work in partnership to ensure that my credit score remains unchangeable. Both companies investigated this matter within the allotted time frame provided by the Fair Credit Reporting Act and with disregard submitted this false and inaccurate information/data into my consumer credit file having verified by EQUIFAX that the information entered into my consumer credit file post investigation was correct. Recently, I have asked Equifax to " DELETE '' this account off of my credit file but they have ignored my requested and have since initialized a reinvestigation which is a violated the Fair Credit Reporting Act which is governed by both Federal and the State of Nevada. Given the numerous errors in credit reporting and the blatant disregard of both State and Federal lawand the several years of harm it has caused due to the inaccuracies, I ask that this account XXXX XXXX XXXX XXXX ( XXXX be DELETED/REMOVED from my consumer credit file promptly and permanently.
Consumer complaint received 2021-03-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

I contacted Credit Collections last year. Most recently they received a letter from me on XX/XX/XXXX and a follow up letter on XX/XX/XXXX. I have not received adequate documentation that I owe this debt and my rights have been violated based on my understanding of the laws.
Consumer complaint received 2021-03-19
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: World Acceptance Corporation (GA)

I have written to World Finance not to contact me. See the attached letter from their corporate office, XXXX XXXX ( Government Relations Manager ), which confirms that they are not supposed to contact me. The letter clearly states that the account has been notated not to call and employees have been instructed not to call me. Well, an employee ( XXXX from the office in XXXX, GA ) called me on XX/XX/2021 at XXXX est. This is a problem. The company should not still be contacting me. I am going to escalate this to the attorney general 's office if this continues. The company is also still reporting an incorrect balance on my credit report.
Consumer complaint received 2021-03-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I FILED A DISPUTE LAST XX/XX/2021 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 42 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-12-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (OR)

I got my PayPal closed to due a violation in the user agreement which I have not done. I only used for personal selling on XXXX. And sending money to friends and family. They refused to give me an answer on why this happen. I believe its most be a mistake in their flagging system. I been a user with them for over XXXX  years.
Consumer complaint received 2021-03-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2021-03-19
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. (TN)

XXXX  ; Experian and XXXX  should not be reporting the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX as ( 120 ) days late. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and all of the line items listed above need to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX  ; XXXX  and Transunion should not be reporting the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX as ( 120 ) days late. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and all of the line items listed above need to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Consumer complaint received 2024-04-09
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (KY)

While I was at work on Friday, XX/XX/2024 between XXXX & XXXX somehow, someone was able to withdrawal cash out of an ATM from my NETSPEND Acct XXXX Per Netspend 's App these transactions occurred at an ATM @ XXXX XXXX XXXX XXXX XXXX XXXX ( ATM inside XXXX XXXX ) XXXX : Transaction was a Balance Inquiry ( charged {$.00} ) XXXX : Charge/ATM Fee = {$1.00} - DECLINE FEE ( I had a little under {$300.00} available in my account ) XXXX : Transaction / Cash Withdrawal = {$260.00} + {$3.00} = NETSPEND XXXX XXXX XXXX : Charge/ATM Fee = {$2.00} ATM Fee Unfortunately i wasn't aware of these transactions until later that evening on my way home from work i stopped at a store & happened to check my balance. I immediately called Netspend to report the fraudulent charges. I explained I was at work on the other side of town from where this ATM is located. Ive never even been to this XXXX before nor have i ever checked my account balance at an ATM. Why would I pay XXXX cents when i can see my balance for free on the APP. 
I receive a weekly direct deposit on this card from my employer, yet Netspend still wouldnt provide me with a provision credit. I was advised they would investigate and it could take XXXX  days or XXXX days, XXXX or even XXXX days to investigate. 
Today I filed a police report with XXXX about the stolen money.
Consumer complaint received 2021-03-19
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: CITIBANK, N.A. (VA)

I was scammed into investing with a real estate/entrepreneur money making scheme called the XXXX XXXX XXXX  method. This company is know as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XXXX of XXXX the Federal Trade Commission issued Preliminary Injunction Order : 2:19-cv-00713-DAK-EJF, requesting Zurixx LLC to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. 

On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. 2:19-CV-00713-DAK-DO vs. Zurixx LLC and the case is still pending resolution. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with CITI Bank with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score.