davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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: DISCOVER BANK (FL)

In accordance with the fair credit Reporting act XXXX Account Discover Card has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2022-05-21
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. (CA)

It's my belief that XXXX XXXX  has taken discriminatory actions against me. The company fails to abide by federal regulations. Company is in direct violation of 15 U.S.Code 1681a ( 2 ) ( i ) which clearly states item to be excluded from a consumer report ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; shall be excluded. The definition of excluded means remove from consideration. XXXX XXXX has taken adverse discriminatory actions against me and has failed to perform a FAIR and accurate investigative consumer report as defined under the rules of construction 15 U.S.C 1681a ( 3 ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. XXXX XXXX has no prior written permission nore any lawful authority having means of my nonpublic private personal information. Fraudulent acts having the use of my non public private personal information and furnishing collections on my consumer report as a way to coercing a payment a direct violation of 18 U.S.C 1028a Identity Theft! Company is also in violation of a Ceist and Desist order, terminating communication through all mediums directly or indirectly. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (CT)

XX/XX/17 I was at XXXX purchasing some food with my Key Bank debit card to my surprise it was declining I called Key Bank and they told me that they blocked my card because they got a message from MasterCard the day before that my card been compromise the problem is they didn't give me immediate notice that my funds will be blocked because of the situation they have my phone number and email and in the morning I looked at the banking app that there was no notifications of my card being closed or block. And I missed my doctor 's appointment because I had to go to a branch to get a ATM card just so I can get access to my money. They had a duty to legally tell me immediately what was going on with my account. On top of that the XXXX  employee was going to call the cops on me because I was able to pay for the food. Because of their negligence I suffered emotional distress and embarrassment.
Consumer complaint received 2022-05-21
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: CITIBANK, N.A. (FL)

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account XXXX : XXXX  Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2022-05-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (IL)

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 

Company : ACIMA XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2022-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 


Company : CAPITAL ONE Account # : XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (GA)

This all started on XX/XX/XXXX, when I got a text message for a job offer at XXXX XXXX. I dont even remembered applying, but they were very convincing telling me I will get paid XXXX dollars an hour, and training will be XXXX dolllars an hour. I went through the whole process of introducing myself, and they gave me the job. The hiring manager then told me that they will send a check of {$1900.00} on XX/XX/XXXX, and to deposit. I deposited and then told me to send money to vendors. I sent the money and sent proof of the transaction. Then they gave me another check on XX/XX/XXXX which was {$2500.00}, deposited it, confirmed, and sent more money to vendors. A couple days later, I received a email from my bank telling me that the checks got bounced back because the account didnt have any money in it. And money was taken out of my personal account because the checks were empty. I told them, and they will tell the supervisor. The next check they sent me was XX/XX/XXXX which had {$3500.00} for more supplies, but they told me its a legit check and to deposit it immediately. I deposited and send out more money to vendors. They even told me the XXXX was for gas and other bills. Then they also told me that on Thursday XX/XX/XXXX at XXXX, I will be talking to my supervisor about everything and introducing myself to the company. I woke waited, waited, and waited for XXXX hours and nothing. No call and no text. I decided then to search the company name and scam, I clicked the first link, and saw similar stories from people that they got scam from the group and it was really recent too. I then decided to dispute the transaction through my bank, but the next day they declined it. I wanted to send evidence to prove that it was fraud, but they told me they couldnt do anything about it. Overall, I lost over {$13000.00} to this fraud and I really want my money back.
Consumer complaint received 2022-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 


Company : LVNV FUNDING LLC Account # : XXXX
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (MO)

In accordance with the fair credit Reporting act XXXX XXXX, Exeter Finance, XXXX have violated my rights. 
XXXX5 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for gi. *k purpose.

270
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (MO)

In accordance with the fair credit Reporting act XXXX XXXX, XXXX XXXX, XXXX have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for gi. *k purpose.

270
Consumer complaint received 2022-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 

Company : XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (AZ)

On XX/XX/19 a company named Shellpoint, address XXXX XXXX XXXX. XXXX . XXXX XXXX, SC XXXX XXXX, filed a foreclosure against me on property in Florida that I do not have any ownership in. They also reported the foreclosure to the credit reporting agencies and at least 2 show the foreclosure on their reports, they are XXXX and XXXX. Although I am still showing a very good FICO score, approximately 800, the reporting of the foreclosure is causing harm to my ability to access credit markets. Even though the foreclosure documents that I am going to upload at the end of this report reference an overdue loan the filing is only a foreclosure. I suspect this is because the note they reference is 8-10 years old and well past the statute of limitations. Shellpoint has be made aware of all of this by my attorneys and have not removed the reporting. In addition I have filed disputes with XXXX ( confirmation # XXXX ) and XXXX ( report # XXXX ) and they have not removed the reporting either. 
Shellpoint 's dispute is with the current owners of the property and not me. Additionally if they can not show documentation that I own the property ( which I don't ) they should immediately drop the foreclosure proceedings and amend their reporting to the credit agencies. Absent that, the credit reporting agencies should demand that Shellpoint produce documents showing that I own the property and if they can't the agencies should remove the adverse reporting themselves.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

In accordance with the fair credit Reporting act Capital One, XXXX XXXX, XXXX have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for gi. *k purpose.

270
Consumer complaint received 2022-05-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

Hello. On XX/XX/2022 during a break at work I called my Bank ( Chime Bancorp Bank ) to dispute a {$30.00} charge. The representative filed the dispute and told me that if I had any documentation of proof that I could send it in but it wasnt mandatory. So I told him after I get off from work I would be able to send in all proof needed. XXXX minutes before I got off from work I received an email stating my Savings, Checking, and Credit Builder accounts had all been closed which was at XXXX XXXX. I was shocked because in total I had close to {$10000.00} in my account. I couldnt even reach out to the company by phone because it kept prompting that my account was closed so I had to reach out by email. I was devastated because I needed access to my funds IMMEDIATELY and had no clue why my account was even closed in the first place. I never done anything wrong, never was overdrawn, never showed suspicion activity. So, I called them from my mothers phone in tears because I have very bad anxiety, I spoke with multiple supervisors and one supervisor actually tried to open the account back because he said that I should have had some type of warning or at least 5 days notice before a closure happened. I had to go to the hospital for this matter because I really needed my funds and I have no answer as to why my account was actually closed. I need my funds for medical reasons and right now I dont have access to any money which is not fair at all to me! I chose their Savings account just for medical reasons. They have not given me any information regarding why my account was closed. I also looked online afterwards and have noticed others have experienced this issue as well and didnt receive their funds back. I have been trusting this company for over 2 years and would have never expected something like this to happen to me. Please someone help me solve this!
Consumer complaint received 2017-11-21
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. (GA)

I have been in contact with XXXX XXXX via phone, mail, and email regarding late payments that they have reporting on my 2 open accounts. I have requested that they provide me with more information than " we have researched and found that these late payments are accurate ''. They are reporting 8 late payments in 2017 for one account and 2 for 2017, I have requested documentation showing when the payments were due and when the payments were made, I also asked for the phone call to be reviewed when I made a payment arrangement to bring my balance down, as I was informed that the late reporting would NOT report if I made the payment arrangement and paid it on time ( I completed the payments prior to schedule ). And all I received was a letter indicating that " we have researched and found that these late payments are accurate ''. They have proved absolutely nothing to me.
Consumer complaint received 2022-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (IL)

I applied and was approved for a credit card with discover bank XX/XX/XXXX. Before I was approved I talked to a rep and confirmed my identity due to a fraud alert being placed on my credit. About a week later, I received an email from discover asking for me to sign an irs 4506-C consent form for them to pull request my tax transcripts for verification purposes. I signed the form, about a week later, I go to activate my card and I cant so I called their rep, who tells me their waiting on me to sign to form and to complete to process so they can unrestrict my account. I informed her that I signed the form a week ago and I verified all my information on the phone with a rep when I first was approved for the card and asked what else are you trying to verify. She just told me that once everything is verified that I will get an email, well now here we are almost 2 weeks later, I still havent received an email or anything from discover regarding this matter and my card can still not be activated
Consumer complaint received 2022-05-21
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. (TN)

Victim of Identity theft, several accounts appear on my personal consumer credit report as a result of identity theft / fraud. Please asses, dispute, and remove. Attached is fraud affidavit from FTC. 

XXXX XXXX appears multiple times.
Consumer complaint received 2022-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Victim of Identity theft, several accounts appear on my personal consumer credit report as a result of identity theft / fraud. Please asses, dispute, and remove. Attached is fraud affidavit from FTC. 

XXXX XXXX appears multiple times.
Consumer complaint received 2022-05-21
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: Experian Information Solutions Inc. (TN)

Victim of Identity theft, several accounts appear on my personal consumer credit report as a result of identity theft / fraud. Please asses, dispute, and remove. Attached is fraud affidavit from FTC. 

XXXX XXXX appears multiple times.
Consumer complaint received 2022-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I bought something on PayPal and the other user from PayPal sent me a bill for me to pay. They sent me the bill for XXXX XXXX Pesos and it was supposed to be XXXX XXXX pesos. I paid the XXXX XXXX Pesos and immediately realized I made a mistake. I called PayPal to cancel it. They told me after a few days and the payment posts I can cancel it. After I waited a few days I called to cancel the payment, they told me they can not cancel it. I then filed a charge back with my credit card company. The person that sent me the bill for XXXX XXXX sent my info to PayPal and is trying to get away with a scam. She sent me someone else 's bill and it was not mine. She had listed dates showing 2 months long. I was supposed to stay for 2 days. They then told me they would refund me the money back. I have yet to see a refund and here we are almost 3 months later. I have documentation showing they were going to give me a refund.
Consumer complaint received 2022-05-21
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: Experian Information Solutions Inc. (FL)

I received an alert from Experian that my credit file had been updated and there was new inquiry. I had not authorized anyone to pull an inquiry nor am I looking for new credit. I logged in an found that XXXX & XXXX checked my credit report XX/XX/2022. I called this company from the number provided on my Experian credit report ( XXXX ) XXXX. I expressed to them that I have not authorized anyone to access my credit history and I that they have no right to access my credit profile without my permission and they must remove this inquiry and never access my profile again.
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

On XX/XX/XXXX and XXXX I was charged for unauthorized charges both charges are {$49.00} each. I'm on XXXX and I can not pay my bills. These charges appear to be for a weekly newsletter. Please reverse these charges so I can pay my legitimate bills.
Consumer complaint received 2022-05-20
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. (AL)

In XXXX of 2022, I filed a dispute with Transunnion Credit bureau about the unverified account : XXXX XXXX account # XXXX. In these months I have not received a notice in XXXX  days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you