davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (MS)

I reached out to XXXX XXXX XXXX on XX/XX/2023 in regards to the inaccurate information the business was reporting. They intern sent me a outdated lease, and some more papers they considered validated the debt. I sent them the paid recipt and email verification. i received a call from a screaming woman stating she was an attorney and et. i explained to her that they bought outdated information that could potentially land hemin court she hung up. I kept asking her her name she kept yelling saying she was an attorney and if I couldnt provide her with a check number then it will stay on my credit. I personally would like to see them in court. I was very intimidated by the threats and offended because in all actuality they are fraud. Conspiracy to hinder the fruits of my labor.
Consumer complaint received 2021-12-26
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. (OH)

XXXX HAS REMOVED XXXX XXXX BANKRUPTCY # XXXX DUE TO VIOLATIONS OF 15 USC 1681 ( a ) ( 4 ) ,15 USC 1681b. ( a ) ( 2 ), and 15 USC 1681a- ( e ). XXXX CAN NO LONGER VERIFY XXXX  XXXX BANKRUPTCY # XXXX. IT HAS BEEN REMOVED FROM MY XXXX CONSUMER FILE. 

This NOTICE is to inform Transunion that XXXX has removed Bankruptcy # XXXX. I, XXXX XXXX XXXX ( CONSUMER ) was told by transunion in response to a dispute of said Bankruptcy that transunion verified this information using XXXX. XXXX HAS REMOVED BANKRUPTCY # XXXX. 

I, XXXX, XXXX XXXX am the CONSUMER pursuant to 15 USC 1681a. ( c ). 
I Consumer hereby demands Transunion to Cease and Desist the reporting of bankruptcy case # XXXX and to remove it immediately. 
You are violating 15 USC 1681 ( a ) ( 4 ). You have infringed upon a Consumers right to privacy. Remove the negative information from my Consumer Credit File immediately.

Send me an UPDATED copy of my Consumer Credit File showing the account has been removed. 

XXXX XXXX XXXX
Consumer complaint received 2021-12-26
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (AL)

Comenity bank dental finance keeps taking credit from me. My account is in good standing it's down to {$1400.00} they took, even more, this time the XXXX time this year. It doesn't matter if I make more payments I will still lose all my available credit & only have {$15.00} from {$200.00} available credit. I am being treated this way because me being a single female. I am being discriminated against. My credit score is getting even lower. They try to get by saying it's the credit bureaus. They don't give the credit they just report what creditors report to them. It's them unfairly taking credit away from me. All my other credit accounts are current also. I don't know why they are treating me this way at this rate I'm never going to get a higher credit limit.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Debt was erroneously sent to collections by XXXX. XXXX confirmed it was an error on XXXX XX/XX/2022. XXXX says this must be corrected by the debt collection agency. Debt collection agency says this must be corrected by XXXX
Consumer complaint received 2022-04-16
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (NJ)

I returned vehicle as a voluntary repossession due to damages cause by natural declared disaster XXXX XXXX. Vehicle was sold and account was closed. Now Company is reporting to credit bureaus that I owe a balance and account is delinquent.
Consumer complaint received 2021-12-26
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. (OH)

RE : XXXX HAS REMOVED XXXX XXXX BANKRUPTCY # XXXX DUE TO VIOLATIONS OF 15 USC 1681 ( a ) ( 4 ) ,15 USC 1681b. ( a ) ( 2 ), and 15 USC 1681a- ( e ). XXXX CAN NO LONGER VERIFY CXXXX XXXX BANKRUPTCY # XXXX. IT HAS BEEN REMOVED FROM MY XXXX XXXX FILE. 

XXXX has removed Bankruptcy # XXXX. I, XXXX XXXX XXXX ( CONSUMER ) was told by Equifax in response to a dispute of said Bankruptcy that Equifax verified this information using XXXX. XXXX HAS REMOVED BANKRUPTCY # XXXX. 

I, La, XXXX XXXX am the CONSUMER pursuant to 15 USC 1681a. ( c ). 
I Consumer hereby demands Equifax to Cease and Desist the reporting of bankruptcy case # XXXX and to remove it immediately. 
You are violating 15 USC 1681 ( a ) ( 4 ). You have infringed upon a Consumers right to privacy. Remove the negative information from my Consumer Credit File immediately. 
Send me an UPDATED copy of my Consumer Credit File showing the account has been removed. 

XXXX XXXX XXXX
Consumer complaint received 2023-03-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (CA)

Robinhood is commiting massive scale fraud and consistently providing me with false account balance statements, false information from support staff, incorrectly calculated margin positions, unexplainable fund movements, fraudulent quotes, false information in the app, changing terms of service without notice, and much more... 

I have approximately XXXX messages with staff with inline screenshots detailing some of the fraud. Robinhood has now stopped responding...

This fraud is almost certainly connected to XXXX and needs to immediately be investigated by independent law enforcement. ( NOT XXXXXXXX XXXX XXXX XXXX ) Robinhood staff finally agreed to an audit of a fraudulent margin call, before they sold stocks to cover the call and then ghosted me.
Consumer complaint received 2021-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hi my name is XXXX XXXX. 
XX/XX/XXXX. I get a message that said my account was being use to purchase at XXXX  So I call Bank of America to notify them about this transaction and they told me they will need the transactions to progress then they will dispute the transactions. On the day XXXX transactions were make, and my balance went to {$430.00}, so I told customers service to cancel all my debit cards and stop the transactions which they didnt do. My wife and I had the debit cards replace because we told them to do it. 
XX/XX/XXXX. Three transactions were authorized and processed. One of {$3200.00}, {$1200.00} and last one of {$3200.00}. 
So I call and they told me that it has to follow the process and now they are disputing the transactions against crypto.com XX/XX/XXXX. I received a letter saying that they contact crypto.com and they said that to purchase with them I need to verify my identity provided a proof of ID. Also That an authorized dis approve transactions. 
So I call the bank again and told them that only my wife and I are authorized to use the account. They told me write a letter saying that it wasnt me the one who approve the transaction and then faxed to they office. They got the information and make a new investigation and the final resolution is that they arent paying me because I had approve transactions and that crypto said they do require a proof of identification to make transactions with them. Till now Im receiving an email from crypto to verify my Identification so I dont understand how I have access to make transactions. I also told them That I had to restore my XXXX because it was hacked. Also restore all my passwords.
Consumer complaint received 2019-09-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

the credit report is showing the credit card debt ( XXXX XXXX ) but is also showing that it was sold to a collection agency they are both in the credit report, i did not received any notification from the collection agency, also it shows that owned money to both agency when i only own money to the credit card company i been disputing for this to be removed but the credit company stated that is accurate, but is not. 
actual credit own to XXXX XXXXXXXX XXXX $ XX/XX/XXXX credit collection ( XXXX   XXXX ) shows XXXX $ opened XX/XX/XXXX they are both the same account
Consumer complaint received 2021-12-27
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. (IL)

On XX/XX/2021, I wrote to the credit bureaus ( XXXX, XXXX & Equifax ) requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from either of them or any acknowledgement that an investigation has begun. 
I have attached proof of delivery from the postal office.
Consumer complaint received 2021-12-27
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. (IL)

On XX/XX/2021, I wrote to the credit bureaus ( XXXX, Transunion XXXX XXXX ) requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from either of them or any acknowledgement that an investigation has begun. 
I have attached proof of delivery from the postal office.
Consumer complaint received 2022-09-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, I received an e-mail from XXXX, XXXX. They had charged my credit card for 1 yr. renewal ( XXXX ), which I did not approve. I used their service to fix my computers during the pandemic when it was impossible to get a technician to come to my home They wanted to use a wire transfer I agreed. They said that they would send {$140.00} that day and the balance the next day which was so suspicious I filled out the form from XXXX XXXX XXXX, which had their parent company name and bank information. As I typed one number, they called instantly & said they had made a huge typographical error. There were an additional 2 zeros which made the transaction to be {$140000.00} instead of {$140.00} I checked my business bank account online. There was {$140000.00} which did not belong to me. I did not check any other account. 
They wanted me to wire money in 2 transactions. On XX/XX/XXXX. they would pay the {$50.00} wire fee. I told XXXX XXXX the banks were closed. On XX/XX/XXXX Friday, I went to the bank and wired {$90000.00}. with their bank info. XXXX called and said It was being monitored by XXXX XXXX. They wanted offline to fix the errors they created. Sunday morning, I went to my computer and ALL OF TH MONEY WAS MISSING FROM ANOTHER ACCOUNT {$140.00} which I am a cosigner with my older brother. The balance of the money that they stole from me was never returned. {$90.00}. XXXX  XXXX told me on Sunday morning that they would release the {$90000.00} and send it back to me as soon as I sent back the of {$49000.00}, to them. The branch manager at CHASE told me the {$140000.00} WAS NEVER deposited into my joint checking account. XXXX XXXX created Screen Shots for all transactions so I would believe the money that was theirs and had to be returned ( {$900000.00} ) They wanted me to wire to their XXXX XXXX checking accounts. The XXXX XXXX remains in my account TOTAL was stolen XXXX ( This was my brothers life savings which I must replace. They left {$49000.00} No one at the bank questioned me at all. I was surprised because I had never made a bank transfer before in all the 10+ years I have banked with CHASE I called CHASE BANK FRAUD the next morning. The first young woman ; she had no idea what to do or who to call. The Second woman XXXX. Listened to me. She submitted a report to send to your Compliance or Fraud department. She told me she had no power to take any action but to pass on my report. Report # XXXX It is 4 weeks and I have not heard from anyone. My banker at CHASE told me the claim was rejected because I started the transfer. 
I NEVER GAVE ANYONE MY PASSWORDS AND WIRE TRANSFERS ARE DONE AUTOMATICALLY. HOW DID THEY GET INTO MY BROTHERS ACCOUNT AND STEAL XXXX I HAVE XXXX XXXX BANK ACCOUNTS, ,ADDRESS, E-MAILS AND TELEPHONE NUMBERS, CHASE WAS NOT INTERESTED IN ANY OF THIS INFORMATION
Consumer complaint received 2019-09-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (NV)

I originally took out a loan on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 and again on XX/XX/19 with Opportunity Financial , LLC. When applying for these loans Opportunity Financial, LLCs website states that they do not do credit checks with the three large credit Bureaus and that they do not report payments to any of the three large credit Bureaus. I pulled my credit report and they have indeed been reporting payments to the credit Bureaus showing all these accounts being opened and closed and opened and closed and some not closed that I have paid off. I also believe that the company is breaking consumer protection laws because they have allowed me to take out one loan within days or hours of paying off my previous loan causing a vicious debt cycle entrapping me with their high interest rates. If you look at my debt to income ratio I clearly can not afford this loan. I am XXXX.
Consumer complaint received 2021-12-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (AR)

Vanilla gift card purchased at XXXX in the amount of {$200.00} ( XXXX XX/XX/21 ). The {$200.00} was on the card. The card was checked again later and the balance was XXXX cents. There was one purchase for {$190.00}. The card was not accessible by anyone and this is a fraudulent charge. Vanilla Gift card customer service screamed at me. It has been the worst thing I have ever had happen of this nature. It is really obvious it was fraud. I feel like I should receive my money back promptly. {$200.00} is a lot of money for us. I can't believe they are allowed to operate like this. I tried contacting the vendor without any luck. I think the merchant website is fraudulent, too
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RENASANT CORPORATION (MS)

I went to an ATM on Wednesday, XX/XX/2023 around XXXX PM to try and withdraw {$330.00} from my account. The debit card I used was my XXXX XXXX  and the bank was Renasant bank. Before I tried to withdraw the money the ATM let me know that the receipts werent printing and I continued because I had used that atm several times. When I put the amount in that I wanted to withdraw and continued the atm took longer than usual to process and I saw I quick error message that I wasnt able to get a picture of. The money didnt dispense and the atm gave me my card back. I called XXXX XXXX XXXX as soon as this happened and they told me I would have to wait until the transaction wasnt pending anymore. I went inside the Renasant bank and tried to explain the situation and they said there was nothing they could do because XXXX is a different bank. Im wondering what steps do I need to take to get the money that I didnt receive back on my chime account. The location of the Renasant bank atm is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Equifax, XXXX  and XXXX  are showing inaccurate " LATE PAYMENTS '' on my credit reports. I was/have " NEVER '' been late on my : XXXX XXXX XXXX, XXXX  XXXX  or XXXX XXXX   accounts. I was NEVER notified there would/where late payments reported. I was never CONTACTED TO VERIFY OR VALIDATE ANY POSSIBLE LATE PAYMENTS. I was also never told or shown PROOF OF HOW THESE LATE PAYMENTS WERE VALIDATED.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital one closed my secured credit card without my permission. They then took my secured downpayment to that card and inserted that to my last payment. They also put late payments on my credit reports that were not late. I called them and told them there were fraudulent activities on this card and gave them the items that they needed to remove and update they did take some off but left a whole bunch that could of covered what I owed and my card would of still been open. I called them in XX/XX/2023 to tell them about these fraudulent transactions then I just had to call them again in XXXX XXXX to tell them that they forgot items that I listed that needed to be removed. I want my deposit back that they took from me I want my card turned back on and also I want them late payments removed. They violated 15 USC 1681 s-2 and when I told they said they was going to fix this problem and will take weeks to happen. While all of this is happening o cant go get me a new car because of these late payments on my credit report that is hindering my credit score and credit worthiness to other companies.
Consumer complaint received 2021-12-26
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: Experian Information Solutions Inc. (MS)

For several weeks, I have repeatedly asked XXXX XXXX XXXX XXXX XXXX, XXXX and Experian to objectively resolve my credit issues relative to hard inquiries which shouldve been reported as promotional or soft inquiries. I have also reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. 
Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX XXXX XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.
Consumer complaint received 2022-09-25
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Accounts # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 fumish a account without my written instructions 15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2021-12-26
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. (FL)

I sent out letters on XX/XX/2021 in reference to inaccurate reported late payments on my student loans that are showing on my credit report. This information is misleading and false. I always make my payments on time as agreed. It has been approximately 45 days and I still have not received any communication. My information was also compromised and impacted by the XXXX data breach. It has been well over 30 days, and in section 611 ( a ) it states, that a failure to investigate these items within this time frame will result in immediate removal of these items from my credit report. I demand these late payments be immediately removed or I will seek litigation.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have tried multiple time to get all three bureaus to remove XXXX XXXX XXXX account. They keep reporting a lowered then increased charged off balance. Also XXXX XXXX paid/closed account was just updated to past due then changed to paid/closed. These are old bias accounts that I should be removed.
Consumer complaint received 2021-12-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (PA)

On XX/XX/XXXX chime in which is my bank from my understanding one of my family members or friends someone other than me to transferred two amounts {$500.00} and {$2300.00} of my money out of my bank account. I immediately contacted the bank they refused to stop payment. The reason I use banks is to keep my money safe not because I wasnt aware of not saving passwords to my devices until my phone got stolen I was not aware how to use the XXXX password saver correctly in which any one in our household or visiting could get my information and log into my account.