davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

My family went on a Debt Management Plan in XXXX due to an unforeseen occurrence in our income. We were being responsible, and not default on our debts. We notified all of our creditors of this switch and that our payment may be delayed while going on the plan, as we paid XXXX XXXX XXXX and they paid the creditors. All of our creditors agreed. We had around 20 total credit cards. 

Some of the XXXX XXXX & a XXXX credit card are showing as payment late. Some are due to the Debt Management Plan payment not being adjust even though they were agreed to, and are paid on time as agreed every month. We have never missed a single payment. 

1 ) XXXX XXXX XXXX XXXX Card-Marked as Late-Paid as Agreed 2 ) XXXX XXXX XXXX Card-Marked as Late-Paid as Agreed 3 ) XXXX XXXX Card XXXX-Marked as Late-Paid as Agreed 4 ) XXXX XXXX XXXX Marked as Late-Paid as Agreed We have had all of these cards for over a year and have never paid late. I spoke with the credit bureas direct, who advised me of my rights to challenge the incorrect reporting and demand verifiable information. After researching this, I followed up with these letters. 

As of XX/XX/31 XXXX is reporting verified as accurate on my credit report when in fact the information is not accurate at all.
Consumer complaint received 2020-01-08
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. (TX)

On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent. This is preventing me from moving forward with my goals and impacting my ability to secure affordable housing. I understand that as a credit bureau youre a for profit entity and investing consumer disputes and complaints is not in the best interest of your company, but you have enormous power over my financial situation with the data you hold within your company. Please respond to my request!
Consumer complaint received 2023-05-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (FL)

The platform is crypto.com they keep having problems and accessibility issues. and keep saying accounts are under review denying access to peoples money and screwing up transactions. Every time we try to get our money back they say the account is being reviewed. Its a continual problem, and it keeps disrupting the ability to do business by withholding a consumers money
Consumer complaint received 2020-01-01
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 (MI)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

I have a PayPal account under email name XXXX. 
PayPal permanently shuts down my account and freezes all the money in my account. However, this account was used solely to accept money from friends. I usually pre-pay party-related expenses and my friends use PayPal to transfer money to me so I can pay credit card bill. 
After PayPal freezes my account, I don't have enough money to pay my credit card bill, and causes lots of inconvenience to my life. 
I want PayPal to resume my account immediately.
Consumer complaint received 2022-01-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I've been patient... I've been kind. I've been writing Experian for months in an effort to resolve inaccurate information they are reporting on my credit file. It always comes back as " accurate '' or " verified ''. Their 30 day investigation took only 8 days to complete and respond ( including mail time ). What a joke. They didn't investigate anything. Didn't even bother with updating the dispute status to reflect the accounts being disputed. I'm uploading the letters to prove it. My next move is to go to small claims court since Experian will not follow the law as it pertains to FCRA. As a federally protected consumer, I know my rights and that I can sue them and win {$1000.00} per violation. I send all letters to them through certified mail with return a receipt so I know they received them and have well documented evidence that they have willfully ignored the law and in doing so have violated my rights as a consumer, which has caused me to be denied credit and pay higher interest on my existing loans. Experian 's business model seems to be to profit at the expense of others by furnishing inaccurate or unverified information to banks who request consumer credit reports.
Consumer complaint received 2023-11-29
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. (IL)

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 XXXX Account Number:XXXX  Account Name : XXXX Account Number: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 2020-01-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FALONI & ASSOCIATES, LLC (NJ)

In late XXXX, my ex-husband contacted me to let me know a certified letter had been delivered to his address ( where I do not reside ) in my old name ( which I have not used since 2017 after it was legally changed as part of my divorce ). 

He mailed the letter to me and I opened it to find that I was being sued by XXXX XXXX XXXX on behalf of XXXX services. I have no knowledge of either Mr. XXXX or XXXX prior to this. There have been no previous attempts by the company or their lawyer to reach out to me for this supposed debt. And no one has proven to me this debt originated by me or is owed by me. It is my belief that this debt has been fraudulently obtained and that the lawyer ( MrXXXX XXXX ) did not properly review my file. I have been given no time to research the facts of this suit nor have I been given proof that this debt is mine.
Consumer complaint received 2024-02-23
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: Experian Information Solutions Inc. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1800.00}
Consumer complaint received 2023-01-17
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. (TN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (SC)

I've already filed a claim about Truist Bank/BBT ... they closed my account of XXXX  years because they " thought '' I was involved in fraud with my acct ( which I fell for a stupid scam on line ) and left my with a huge balance with service charges. I had a deposit come thru for XXXX on XXXX. Well they keep my deposit on my " CLOSED '' account and they will NOT refund me for the deposit just made after they closed my account! 
HELP ME!!! 
They just keep adding and adding to this " closed account ''!
Consumer complaint received 2020-01-08
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)

The following accounts are fraudulent : XXXX  XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.
Consumer complaint received 2020-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc. (PA)

Received notification from debt collector dated XX/XX/XXXX. Called debt collector on XX/XX/XXXX to inform them the debt was paid on XX/XX/XXXX and cashed on XX/XX/XXXX by original biller. Debt collector had no record of payment. Called original biller and they confirmed that debt was paid and would notify debt collector. Received notification from debt collector dated XX/XX/XXXX that debit was still owed. Contacted debt collector on XX/XX/XXXX and spoke to supervisor. Supervisor claimed I would need to provide proof of payment, I told they would need to contact original biller and supervisor claimed it didnt work that way. Contacted original biller and they informed me that they have notified the debt collector on two occasions, in XXXX when debt was paid, in XXXX when I called and would send another notification. Agent claims that it sometimes takes 2 or 3 notifications for the debt to be cleared and to give it a week and call back debt collector to verify.
Consumer complaint received 2023-03-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (RI)

I applied for {$30000.00} unsecured personal loan with prosper on Sunday and was told on Monday that I was approved and was just waiting for funding by one of their agents. Later that evening at about XXXXXXXX XXXX  I received an adverse action notice from the company, stating they could not provide me with financing, because of a technical error on their behalf, and nothing to do with me. I dont called the company the next day to follow up to have the issue rectified. I have worked with multiple agents and supervisors to correct the issue. I pre-submitted my application multiple times, and it keeps coming back with the same excuse technical issue and again it has nothing to do with me personally however, its still denying my application for no fault of my own. I feel that I am being treated unfairly and discriminated against at this point in time, because they can not provide me with any reason why my application would be denied on my end. I keep getting different answers from different people, but nobody will take responsibility for it and its made no progress.
Consumer complaint received 2023-05-14
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2020-06-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Brown’s New Credit Bureau Inc. (GA)

My medical debt was transferred from XXXX XXXX XXXX to Browns Collection Service in XX/XX/XXXX. In XXXX of XXXX I explained that I did not have the funds to pay in full and could realistically pay {$200.00}. They told me the minimum was {$280.00} and that it was a courtesy they didn't need to offer. I sent 3 payments, only 2 were received. They are now threatening me with a lawsuit if I do not pay in full. During a global pandemic. I do not have the funds to pay {$3600.00}. When I was trying to work out an arrangement, XXXX XXXX was rude the entire time. Told me I was " lucky '' to even be getting a payment arrangement, and that the lawsuit would take care of dealing with me if I couldn't. XXXX has yelled at me numerous times, told me I was poor with money management, alleged that my husband should take care of it if I couldn't, and said my inability to pay was " luxury items '' she told me I had no reason why I couldn't take care of it, didn't ask if I was struggling with employment, or other life events, and said that she was the expert after 20 years of doing this and that my account isn't special. XXXX. Unreasonable torment for someone that's just trying to do the right thing and pay their bills.
Consumer complaint received 2023-02-22
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. (CA)

I sent a letter on XX/XX/XXXX, to remove these items : 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 The items are UNKNOWN to me, please remove & block any items or information which is found to be opened due to identity theft.
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

A charge was made on my chase credit card on XX/XX/2019. It was a charge that I did not make. It was a purchase on amazon, in the amount of {$280.00}. I first called amazon about the charge. The order was not made by my account and I was told by amazon to call my bank and report the fraud charge. I called chase and reported the unauthorized charge in my credit card. They refunded me money at first but charge it back on my account. When I called them, upon review with their fraud team they do not consider my charge that I did not make and a transaction that does not appear on my amazon account a fraudulent charge. They stated that the merchant provided tracking number for a package that was sent to my address. Mind you I have never received such package. As I explain that I did not authorize the charge and I also did not receive any package, one of the reps told me that I should have not filed the claim as a fraud and I should have filed is as a item that I did not receive and I had only one shot to make the claim. I have this persons direct line and voicemail. I went ahead and called amazon, they are at fault at this as well. So while we dig more into this charge they tell me that the email used to make this charge is a unverified email, being unverified they can not provide me a refund and that the credit card should refund me. As we dig more into the charge, the amazon rep. told me that the charge was at XX/XX/2019 but the seller shipped the item XX/XX/2019. Amazon rep. Told me to call the bank again and dispute the claim once again. I message amazon to see if they can provide a written letter of the findings of the card was fraudulent but was told they can not provide such letter.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

In XX/XX/XXXX I reached out via mailed correspondence to LexisNexis requesting the removal of information ( address, telephone numbers, insurance claims, etc. ) that does not belong to me or documentation validating the information is mine. I received an updated consumer report on XX/XX/XXXX and the inaccurate information is still reflected
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

I GOT AN ALERT FROM XXXX XXXX XXXX OF A NEW CREDIT CARD OPEN ON XX/XX/2023 IN MY NAME, FROM ( COMENITY CAPITAL BANK, XXXX, OH XXXX XXXX XXXX XXXX. I tried contacting this bank on two occasions and was put on hole twice for over an hour. I have file a fraud case with XXXX. I have not applied for any credit with this bank.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Experian removed my XXXX  XXXX credit card account from my credit report even though my credit card account is still active towards the end of XXXX of 2021. I have called both companies experian and XXXX  XXXX and they keep giving me the run around blaming each other noone will give me a straight answer. XXXX  XXXX customer service says that their still reporting to experian but yet when I talked to experian customer service their saying XXXX XXXX told them to remove it but when I stated that to XXXX  XXXX customer service they stated they never did that. I wrote a letter to experian also which I will attach along with other documents of prove. 

Hope you can help Thank you
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: RentDebt Automated Collections, LLC (TX)

On XX/XX/2022 I pulled my XXXX credit report and noticed a collection from a collection company by the name of RentDebt Automated Collections. I sent them a letter dated XX/XX/2022 informing them that they had violated federal law under the FDCPA Regulation F by reporting an unknown debt to my credit file. 

I asked them to remove this reporting and to provide me with Validation that this debt belonged to me. In response I received a letter acknowleding my letter of dispute. I specifically noticed them that I was not seeking verification nor was I consenting or acknowledging the collection that they have placed on my credit report. In return, they indicated that they would contact the consumer agencies to show that this collection is being disputed. 

They have totally ignored the law and think that they can by-pass it by falsely stating indirectly that I am consenting of acknowledging this reported collections. 

Furthermore, the information that they provide to me does not belong to me. I do not know who they are nor do I acknowledge the collection that they have placed on my credit file as of XX/XX/2022 well after Regulation F went into effective.