davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Carter-Young, Inc. (GA)

NOTICE OF CEASE AND DESIST TO WHOM IT MAY CONCERN. 
I XXXX XXXX XXXX XXXX, a federally protected consumer, here by put XXXX XXXX XXXX A debt collector a formal notice of violation, in reference to an account they are furnishing on my credit report. 
XXXX XXXX XXXX According to 15USC 1692a ( 2 ), the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any Medium : includes any oral, written, electronic or any medium. 
Therefore, furnishing of the consumer report ( bearing information regarding the alleged debt ) by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my right as per 15USC 1692C ( C ), I am hereby providing you formal notice to cease any further communications regarding this account immediately, this includes but not limited to telephone calls, social media, or any consumer reporting agency. 
Any further contact by your agent or company, except a communication confirming your acknowledgement of this letter, is in violation of Fair Debt Collection Practices Act ( FDCPA ). 
I do not have any business with your company, and I do not owe this alleged debt. 
A charged off account is an ordinary income and kindly provide the 1099 c document from who ever sold this account to you. 
If you do not remove this account in 5 working days, you will be civilly liable to me for actual damages you have caused me mentally and financially. 
This is a warning, take this seriously. 
Thank You for your cooperation. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (KY)

I signed up for Gemini 39 days ago. They let me deposit money into my account but won't let me take it out. The app says my account is " pending verification ''. I have contacted support at least 5-10 times and they just send me back the same form letter response every time.
Consumer complaint received 2020-10-01
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: OneMain Finance Corporation (NC)

I had different accounts with Springleaf Financial from XX/XX/XXXX up until XX/XX/XXXX when I paid my account off in full. It is showing that another account was opened in XXXX of XXXX and shortly after defaulted on. I did not renew a loan nor did I open a new loan after I closed the account in XX/XX/XXXX. Someone used my name and personal information to obtain this account without my consent or knowledge. I have contacted XXXX  and Springleaf and neither one will help me. I do have a sister whom is identical to myself however I have no proof of her using my info. I do know this account is fraudulent and I need them to take accountability for there mistake and remove the account. This is why I am filing this report on XXXX  and Springleaf Financial. I paid every account I had with them, why all of a sudden would I open a account and default shortly after? Because it was not myself whom opened it.
Consumer complaint received 2020-10-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have multiple hard inquires that I did not do. I tried to solve it with Transunion and contacting the creditors. Transunion hasn't replied its been over 30 days!
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (NV)

I opened a prepaid debit card with Bluebird that is part of American Express. I didnt have the account for very long. I lost the prepaid debit card around XX/XX/XXXX. I was not aware that on XX/XX/XXXX, the prepaid debit card account had been locked due to an issue I was not made aware of. When I received a copy of my credit profile recently, I noticed that a name had been transmitted to XXXX XXXX that I hadnt ever used. 

When I signed up for the prepaid debit card I had done so under just my maiden last name of XXXX. I am not sure how the debit card ended up with a different last name that I had not used. 

When I attempted to contact customer service on XX/XX/XXXX, I was given multiple excuses as to why I havent been able to resolve the issue and have the prepaid account closed out. Eventually I was told that supposedly there was a negative balance of {$72.00} owed and they wanted the money to close out the prepaid debit card account. I asked for proof and attempted to update my email address to receive communications regarding such. When I brought up the fact that prepaid debit cards can not be overdrawn, I was hung up on. 

I called back and I was then told I needed to call back within 1-2 business days from XX/XX/XXXX. 

Because of these mistakes I was never allowed to properly update my last name, I was never made aware of the fact the prepaid debit card account had the wrong last name, and I was never made aware that I supposedly owed the company {$72.00}, which supposedly was owed back in XXXX of XXXX. 

As far as I know, prepaid debit card accounts can not be overdrawn and consumers can not incur a debt to a financial institution in that manner. 

I never received any notices on the mail that I supposedly owed this money and the only email that was supposedly sent out was on XX/XX/XXXX, which provided that since the prepaid debit card account had been inactive for many years that such was going to be closed out. 

When the customer service associates realized I did not have the prepaid debit card in my possession and could not provide the account number is when they had refused to truly assist me with the issues above. However, when I call into the toll free number and use my social security number is how I am able to establish that there is still an account with Bluebird.
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (VA)

Equifax is consistently dropping my score and incorrectly reporting the wrong credit score.

Whether it's a coding error or what have you, it is causing me to be denied on applications to move into a new residence. I don't have any past due or any bills with debt. My bills are paid and my score is consistently dropping instead of increasing. I've disputed many times and after disputing my score gets dropped by 50+ points for no reason. Just this week I was sent several messages saying great job, keep up the great work, yet at the same time my score was decreased by 66+ points for no reason. 

XXXX is also inconsistent with Equifax and XXXX. 
All XXXX credit bureaus are inconsistent with each other, how can this be? 
Please help!
Consumer complaint received 2023-02-09
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: SYNCHRONY FINANCIAL (TN)

I recently received a copy of my credit reports, and I notice there are unauthorized credit inquiries made by XXXX XXXX XXXX  on XX/XX/ and XXXX XXXX XXXX  on XXXX XXXX XXXX To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act, as well as a violation of my rights to privacy. I am requesting your credit bureau and customer relations department to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing a credit inquiry ; with my signature, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 15 U.S. Code 1681j, there should be no charge for this report.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP (AL)

ACCOUNT IS PAID IN FULL. REPUBLIC FINANCE IS SUBMITTING TO XXXX THAT THE ACCOUNT IS A CHARGE OFF. THE PAYMENTS WERE SENT TO XXXX, XXXX, AND XXXX
Consumer complaint received 2023-02-09
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. (NV)

Citi ( R ) Cards, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Letter dated XXXX claimed to have conducted an investigation using the information provided ( which is attached that CLEARLY STATES THAT THE HOTEL WOULD BE CREDITING MY ACCOUNT in the amount of {$40.00} ) about the dispute and stated that was not enough to support the claim. This is absolutely a fraudulent statement and this continues to be a problem with Citi ( R ) Cards not protecting the consumer.
Consumer complaint received 2023-02-28
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-10-28
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. (MT)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this, I am now asking you for more information regarding this particular account in question. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account below needs to be corrected : XXXX XXXXXXXX
Consumer complaint received 2020-10-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (MI)

Approximately around XX/XX/XXXX I called bridgecrest and I spoke with someone regarding that I do not work full time hours anymore due to convid. I was told that my auto loan could be pushed back, so now XX/XX/XXXX I am in the process of moving and my credit score is being pulled and my auto loan is reflecting negative on my credit score which is why I am having a very difficult time getting approved for homes.
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (MT)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this, I am now asking you for more information regarding this particular account in question. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account below needs to be corrected : XXXX XXXXXXXX
Consumer complaint received 2020-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$5700.00}, {$18000.00}, {$8600.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened onXX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-28
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. (TX)

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 need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SP XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

Wellsfargo is constantly charging me overdraft fees one right after another. I remember in a span of not even a full week they charged me 6 overdraft fees. First off if someone is already short on funds why would you charge them so much, especially 6 in a week. There should be a cap limit. Also when I called they said that I would have been notified to fix my account before being charged a overdraft fee. Yet I am never notified until it is too late and my account has already been charged. All of wellsfargo notifications come late as well as deposits.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (MD)

I called the Navy Federal Credit collection department to request a 1099-C form for a debt that was charged off on my credit card account. Unfortunately, my circumstances have led me to experience significant financial hardship and medical issues, which has made it difficult for me to pay my debts on time. I asked them in the hopes that they can provide me with the necessary documentation for tax purposes. ( 1099C ) I explain to them our i have been struggling with financial hardship, such as job loss, medical bills and other unforeseen expenses. Despite my best efforts, I have not been able to make timely payments on my account, and the account was charged off as a result. This has been a difficult time for me, and I am doing everything in my power to manage my finances and improve my situation. But they refuse to provide me with a 1099c despite the changed off is on my credit account.
Consumer complaint received 2024-04-11
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: Synovus Bank (GA)

First Progress business practices are unlawful and the violate the FCRA. They failed to conduct a reasonable investigation after the numerous disputes I sent to the CRA 's. Despite being given all the required information they determined the reporting information was accurate and meets FCRA ( Fair Credit Reporting Act ) guidelines and it does not. A reasonable reinvestigation would have identified these errors, including but not limited to inaccuracies in the last payment date, payment history, balance history, and payment history guide. 
They continue to deny me of my rights as a consumer. First Progress has chosen to be willfully and negligently noncompliant of the law and the agreement they created. Our agreement contains a clear and binding arbitration clause that obligates both parties to resolve disputes through arbitration. When I attempted to initiate arbitration, they failed to comply with the AAAs policies regarding consumer claims as outlined in the Consumer Due Process Protocol and/or removed themselves from the Consumer Clause Registry. First Progress has sold the account, yet still attempting to collect. The FCRA states I have the right to a complete and accurate consumer report. They are hindering me from that and are liable under the FCRA. 
I have attached a copy of the agreement, XXXX correspondence, and notice sent )
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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