davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (UT)

After I shopped for new homeowner 's and car insurance in XXXX, XXXX, I found out that Lexis-Nexis had provided my file information to prospective insurers. When I received a copy of my report, I found numerous errors, including apparent typos and, more significantly, an old address where my ex-husband lived that I had never even visited and conflation of automobile insurance policy and claim records for myself and a friend who rents a room in my house. Lexis-Nexis corrected the typos but claims the other errors represent accurate information, without providing any information about how I can correct the record. 
The old address for my ex-husband dates back to about XXXX and probably was the result of an error made by a bank where we both had individual checking accounts ; the bank started sending my account statements to his address. The bank employee with whom I met expressed significant embarrassment and I immediately closed my account. 
The conflated auto insurance records potentially influence both of our ability to purchase auto insurance at favorable rates, since both of our cars and both of our claim records are listed. We purchased our cars independently, insure them separately, do not drive each others ' cars, and were not involved in the accidents leading to the other person 's claims. 
The letters I've received from Lexis-Nexis do not identify which of the errors they corrected, which errors they claim are correct information, and the sources of the incorrect information. Identifying these errors requires accessing a 100+-page report online and wading through it line by line. I also did not receive any explanation of why Lexis-Nexis seems very happy to report false information while ignoring explanations of why it is false from the person whose record is inaccurate.
Consumer complaint received 2017-11-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (KY)

XXXX XXXX has been calling me several times a day from a blocked number. When they call it only shows the number as XXXX. I would n't mind them calling so much, and I would have answered if it had been a real phone number. I finally answered it and they asked for my info so I hung up and called them on their official phone number. They agreed to stop the calls but said nothing about the fake number.
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

A job offer was initially sent to me through an apparent admin ( going by the name XXXX XXXX ) from my school ( XXXX ). Stating that they would be playing {$600.00} weekly, and first come first serve. Immediately I inquired about the position and ended up getting it. The scammer " XXXX XXXX '' claims to be a property interior designer with a large client base In need of a personal Errand Assistant. The Job Duties would be to " mail services '' ( receiving mail from nearby post office and paying bills ). And they also said that they would supply me with sufficient funds and adequate instructions for every task. I did supply them with some basic personal information such as ( my full name, address, phone number, name of financial institution, age, city, state, zip, and email address ). Fortunately, I did not supply them with any account numbers or my SSN. I am reporting this scam for documentation purposes. 

Attached are the correspondences with the alleged " XXXX XXXX. '' Included : FTC complaint, email attachments Please contact me at ( XXXX ) XXXX for additional information.
Consumer complaint received 2019-12-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

I spoke to the original creditor regarding all of the following accounts that were purchased by Transworld Systems inc. The info that Transworld systems is furnishing does not match the info I received from the original credit/creditors. This is a huge violation of the FCRA, and FDCPA. This inaccurate data has caused me great personal issues. It has triggered my XXXX and caused my interest rates to sky rocket. If this debt is not removed I will seeking litigation under 15 USC 1692 which combats abusive debt collection practices. I will seek my {$1000.00} per violation as well as the other inconveniences these inaccurate debts have caused me. This is this debt collectors last chance to remove this inaccurate/ non verified debt. 
Transworld Sys- XXXX Transworld sys- XXXX Transworld sys- XXXX Transworld Sys- XXXX Transworld Sys-XXXX
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (OH)

When my husband and I returned from visiting grandchildren last XXXX, we received 3 surprising pieces of mail. The first was a statement from XXXXComenity Bank dated XX/XX/XXXX, indicating a balance of {$620.00} for a credit card account for which I had never applied. The second mailing was the plastic credit card for this account, which I have never signed. The third mailing was from XXXX XXXX attempting to verify if I had actually applied for a new XXXX XXXX XXXX account that included my name and Social Security number. 

We easily resolved the situation with XXXX XXXX, and even sat down with a local bank manager who explained how my personal information may have been compromised and suggested how we can protect ourselves from possible identity theft in the future. 

By contrast, our dispute with Comenity Bank continues as we attempt to restore my " very good '' credit rating and remove delinquent charges from a credit card account for which I never applied. 

On XX/XX/XXXX, I called XXXX/Comenity to contest this application and was told the issue would be resolved in 90 days -- not so! Next, I immediately contacted XXXX, XXXX, and XXXX to establish security credit freezes. 

Fast forward to XX/XX/XXXX AND XXXX, XXXX, when I received 2 separate letters from Comenity Bank, with which we've never had any dealings, to have my credit freeze lifted so they could process my application for an " XXXX XXXX XXXX '' account, again, something for which I had not applied. Calling our local XXXX XXXX XXXX XXXX, I was advised to check our credit report to see who had been inquiring about our credit rating, and to update XXXX that another fraud attempt had been made. 

Then, on XX/XX/XXXX, XXXX advised us that my credit rating had dropped significantly and suggested we file a dispute with Comenity Bank, which we did on XX/XX/XXXX. 

Once again on XX/XX/XXXX, I got another fraud alert that Comenity Bank had " flagged '' my (? ) account " Charged off as bad debt '' -- supposedly explaining my lowered credit rating, according to the XXXX representative we spoke with on XX/XX/XXXX. Now I was advised to file a " police report '' of Identity Theft with the FTC. 

Obviously, not all financial institutions are as diligent as XXXX XXXX in verifying who is actually applying for credit cards/accounts. Comenity Bank has been nothing short of irresponsible in dealing with us, not even bothering to continue sending past-due statements since XXXX, XXXX, to alert us that the " bogus '' account was still active. As a result, my credit rating has suffered a drop of about 200 points, from a rating of " very good '' to " fair. ''
Consumer complaint received 2023-05-10
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, 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 accounts, and I will take legal action against you as a result. This was mentioned in my previous COMPLAINT #, and I include it again. 
XXXXXXXX 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
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (VA)

I have 3 items on my credit for a medical bill/bills. It is 3 different collection company 's trying to collect what seems like the same bill each one of them is for the same amount exactly which is {$500.00}. I also believe that they could of took them of do to the XXXX dollar or less bill that was passed
Consumer complaint received 2024-01-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (MD)

XXXX XXXX has my sons insurance information ( minor at the time ) However, insurer stated XXXX XXXX did not bill them. 

XXXX XXXX  stated insurance would cover visit. 

After my sons visit, XXXX XXXX sent me a bill owing full amount ( in violation of the Surprise Billing Act ). 

Also, I have a court order stating that ex-husband is to be billed if son isnt covered. 

XXXX XXXX refused to abide by court order and refused to bill insurance company. 

Patient First sent bill to a collection agency., Receivables Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA XXXX XXXX XXXX. In addition, the bill skyrocketed from XXXX to XXXX. 

Receivables Management ignored the court order and know XXXX XXXX has refused to send bill to insurer. 

XXXX stated XXXX XXXX did not send them a bill. 

Ive disputed the collection in writing XXXX. I received another statement on XX/XX/24. 

Ive attempted to call by phone on XX/XX/24. Their phone line disconnected me.
Consumer complaint received 2020-01-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (TX)

This is to continue a complaint that I previously filed with the CFPB regarding Robinhood 's  failure to notify me of corporate actions for the fund previously known as XXXX. XXXX liquidated and Robinhood did not inform me. I opened up a complaint with this regulator to notify them of Robinhood 's actions. In their response, Robinhood Markets told me they are not required to inform me of all corporate actions. I disagree with this. Robinhood has marketed itself as a way for young, amateur investors to participate in the stock market without high costs. Therefore, it is Robinhood 's responsibility to notify me of corporate actions. Robinhood 's failure to notify me of a corporate action resulted in me losing money.
Consumer complaint received 2023-05-09
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. (TX)

On Sunday XX/XX/2023 I awoke to notifications from my credit monitoring service that there were new late payments being shown on my credit report on all three bureaus (XXXX XXXX, Equifax.) from Nelnet servicer.  I quickly checked my account and found that it was in good order on line.  This has caused my credit score to dropXX/XX/XXXXpoints and is making approvals difficult.  

I am not late.  Even though I have been making payments, at the moment, all payments are paused by the Cares Act, specifically addressing how credit reporting will be done:

d) REPORTING TO CONSUMER REPORTING AGENCIES.During 
the period in which the Secretary suspends payments on a loan 
under subsection (a), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting 
agency, any payment that has been suspended is treated as if 
it were a regularly scheduled payment made by a borrower. 

I hope that his is taken care of by Nelnet, but retain my right to litigate if necessary.
Consumer complaint received 2020-01-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Braviant Holdings, LLC (CA)

My original loan from Balance Credit was quickly sold to a company XXXX XXXX who I never heard from. They told me my debt was sold to XXXX XXXX. These people referred me to XXXX XXXX who its my understanding is a payment processing center. They told me I have to speak with XXXX XXXX at XXXX. This man XXXX (? ) threatened Court actions. I have never received any paperwork from anyone other than Balance Credit. When I asked this XXXX guy for copies of the three mailings they gave me I was emailed one ( what seemed like a generic letter ) with the current date from a XXXX XXXX XXXX. And it didnt even have my apartment number on it. 
I want to pay my bill but not to a scammer. How can I be sure Im not being scammed?
Consumer complaint received 2023-05-11
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. (NV)

I submitted a letter to the 3 Credit Bureau on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAIN, and I'm including it again XXXX XXXX BANK XXXX XXXX XXXX {$1600.00} ; XXXX XXXX XXXX {$0.00} ; XXXX BANK XXXX Balance {$2700.00} ; XXXX XXXX XXXX Balance {$29000.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$780.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$37000.00}.
Consumer complaint received 2022-09-06
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. (TN)

I sent my letter off on XX/XX/2022. I told the Credit Bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the tracking number # XXXX. 

According to the FRCA 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 whom may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Account : XXXXXXXX XXXX Number : XXXX Account : XXXXXXXX XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX  Number : XXXX Account : XXXX XXXX XXXX  Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : AcceptanceNow Number : XXXX Account XXXX XXXX Number : XXXX Account : XXXX  Number : XXXX Account : XXXX  Number : XXXX Account XXXX XXXX XXXXXXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account XXXX XXXX XXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account XXXX XXXX XXXX XXXXber : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXX  Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account XXXX XXXX  Number : XXXX Account : XXXX  Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXXXXXX XXXX  Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX Number : XXXX
Consumer complaint received 2023-05-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2019-12-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (CA)

I was charged for two overdraft fees, over the course of a week, by Citibank. I understand the reasoning for the first overdraft fee, but the second was unfair, and their customer service department is not helpful. Their treatment of me as a customer lead to me closing my checking and savings accounts. 

My first overdraft fee charge was correct - I did have a negative fund and Citi " helped '' pay for my purchase. Ironically, that purchase was an autopayment for my citibank credit card. Then, XXXX tried to make a payment for {$2.00}. The payment was declined, but citi still charged me an overdraft fee for an attempted payment. I found this to be really unfair, and contacted the company multiple times. Their customer service would say they're transferring me somewhere, to only never be helped after waiting for 40+ minutes or hung up on ; literally hung up on ; or just plain unhelpful / non-empathetic employees. I did close my checking and savings, but they didn't care at all. For such a large company, they think they can get away with treating their customers poorly. I've been banking with them since I was XXXX and wanted to use them for mortgage, but they lost a customer for life. I'd never recommend my extended family to use Citi Even attempting to get copies of my record was difficult. The customer service team went above and beyond to ensure I had a bad experience. I could not obtain full copies, and they even went as far to purposely unlink my account before I could download the records myself.
Consumer complaint received 2023-08-14
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. (GA)

back on XX/XX/XXXX i sent Equifax a letter in regards to my credit that they have yet to reponse but i also followed up with an follow up letter to get the issure resolved but have yet to hear anything or see any open investigations from the agency.