davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MO)

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.

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 2022-08-26
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. (AL)

I lost my wallet and my identity was stolen. My information was used for fraudulent inquires. They are all listed below. I would like these fraudulent inquires taken off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a frontline worker and a real estate agent. During the pandemic last year, due to my job, I contracted XXXX and got my entire family extremely sick. 
I have a Capital One business card under XXXX XXXX that ended up falling late due to this. I had tried to call Capital One to make a payment but was put on hold for too long, and prior to that, I had lost online access. 

I had more than enough money in my bank to pay the account off. 
I have attached a copy of my real estate license and my bank statement from the time that I had sufficient funds.
Consumer complaint received 2022-03-19
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. (FL)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX  XXXX  XXXX Balance {$7600.00}, XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$780.00} XXXX XXXX  XXXX XXXX ( Original creditor : XXXX  ) XXXX Balance {$400.00} ) showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Consumer complaint received 2024-04-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: VELO LAW OFFICE (MI)

I never was severed paperwork to me at my home and they sent a garnishment to my job on a debt they say was from XX/XX/year> which I believe to be not within statute of limitations. On paperwork it doesnt say who the original debt is from and when I ask them they say like three different companies. Can not provide me with a full account number or any sign proof of debt that I believe is over 7 years now. Its not even on my credit report that I believe but I dont have enough information to know for sure
Consumer complaint received 2022-03-19
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. (FL)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$7600.00}, XXXX  XXXX  XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$170.00}, XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$700.00}, XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$400.00}, XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$780.00} ) showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

In 2018 I was granted XXXX  in the United States. I followed the advice of my friends and opened a credit card with discover. Shortly after I experienced financial hardship and a XXXX XXXX which led me to a XXXX XXXX XXXX XXXX for weeks. At the end of my XXXX XXXX I found out discover had closed my credit cards and charged them off for non payment even though I talked to them and let them know what was happening. They refused to help me and they closed my accounts and sent them to the credit report which caused so much damage over the years. I havent been able to open a new credit card nor to open a new loan or credit line because of the hard report discover left in my credit.
Consumer complaint received 2022-03-19
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: EQUIFAX, INC. (NC)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (ME)

I had 4.90 cents in my PayPal the charge went through twice unauthorized and my bank account was connected so it proceeded to charge my bank money that was not in the account I could not cancle or do anything till the transaction wasn't pending meaning pulling again but I did not have the money to cover it I got my bank to waive the nsf fee once for overdrafting but three days later paypal tried again I contacted them they finally canceled the transaction for me but I had already gotten another nsf fee for overdrafts paypal gave me a letter for my bank but my bank did not except it and now my accounts been in the negative since is there anything I can do
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am missing up-to-date credit information from use of my Capital One credit card at the three major credit reporting agencies. This can be seen in Complaint ID numbers XXXX, XXXX, and XXXX. In summary, when I call all three agencies they say they only report what Capital One sends them and that is the issue, they do not have the complete information. When I called Capital One to ask them why this is the case. They say I need to go back to the credit agencies because they have sent them up-to-date information and they are not reporting it correctly. I am now left with severely falling credit scores as a result and having no clue what to do next. I have made all my payments on time and for the total amount due in all cases. I need help as one party is not telling the truth and I am caught in the middle.
Consumer complaint received 2018-12-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc. (NJ)

I signed up for MoneyLion ( XXXX XXXX XXXX ). I was informed that my bank card was mailed to me on the XX/XX/18. 
via email. On the XX/XX/18, the Moneylion team sent me an email promotion about 12 days of Giving. The email stated/advertised the following. 

Hi XXXX, Want up to 2,500 points and 12 ways to win {$5000.00}? 

Then you'll love our 12 Days of Giving! Each day, we'll offer a new way to get points and enter to win a {$5000.00} gift card. Make sure your MoneyLion Visa Debit Card is activated and funded, because 12 Days of Giving starts soon! 

Learn more about MoneyLions 12 Days of Giving here. 

I was like this is a very cool promotion and very excited to be an member of this new and upcoming bank. So I waiting and waiting, checking the mail everyday. Then, I realized my bank card never came, so I couldnt activate my card and participate in the promotion they advertise. I sent Moneylion an email, letting them know I never received my card. Its XX/XX/2018. I still dont have my card til this day. I missed the promotion and I dont even know if this is a real bank or if they advertise this promotion to just get my information. I requested to speak to a supervisor and still waiting for a supervisor to email me back.
Consumer complaint received 2022-08-26
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. (OH)

My mortgage company XXXX XXXX XXXX  closed their doors abruptly. They turned over payment history to XXXX. I paid XXXX XXXX Mortgage through their company all the way to XXXX. Then started making payments to XXXX XXXX XXXX XXXX in XXXX. I was never behind on my payments. Due to reporting only until XXXX and I making my payments through XXXX, XXXX XXXX reported me as delinquent and I wasn't. 

When I contacted them about the discrepancy, they told me because I was in Bankruptcy my payments are posting late. They told me I wasn't behind it was my bankruptcy. Then they reported me 90 days due when I was not past due. Not only did I have to pay three mortgages I already paid to keep my house over their errors, they are reporting me as derogative on my credit report now XXXX of XXXX. I haven't been with this company since before the pandemic started in XXXX. 

On top of that, XXXX XXXX is listing my debt as discharged due to bankruptcy on XXXX. My home loan was never in the bankruptcy.
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

Credence Resource Management is attempting to collect on a debt that was already proven to be fraudulent by both XXXX XXXX XXXX and a previous debt collector. The account date is inaccurate, the debt was already pulled off my credit report by the previous debt collector, and now we have credence resource management repeatedly posting negatively towards my credit and attempting to collect said money from a fraudulent charge. Company has never contacted me at any point, not via email, mail, or telephone.
Consumer complaint received 2018-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

On XX/XX/18 this derogatory collection was put on my consumer credit report this is not my debt and was Fraud in this account. for {$500.00} that was sent to a collection company. I have spoke to this company with no avail of responding several times. Under the FCRA guidelines they have to remove this debt that is not proven, this has devastated my credit report. Please assist me in this matter.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted a formal complaint to XXXX, XXXX and Transunion XX/XX/XXXX asking them to verify the bankruptcies XXXX  XXXX case # XXXX filed XX/XX/XXXX, XXXX filed XX/XX/XXXX, XXXX filed XX/XX/XXXX and case # XXXX filed XX/XX/XXXX that is on my profile with them XXXX and XXXX didn't respond but Tranunion send a letter stating they verified the bankruptcies with a company called XXXX XXXX XXXX. I understand according to the Fair Credit Reporting Act 15 U.S.C. 1681g Section 609 they are to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit profile also I understand XXXX XXXX directly owned by XXXX which makes them " affiliated ''. As such, anytime an affiliate shares/furnishes information, with the FCRA right to privacy as a consumer, they are supposed to notify you before they furnish any information granting you the option to opt out and they didn't. XXXX XXXX is getting that information from a 3rd party XXXX  and furnishing that information to XXXX, Transunion and XXXX without permissible purpose 604 15 U.S.C. 1681b.
Consumer complaint received 2022-08-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: GOLDMAN SACHS BANK USA (FL)

They try to collect money from me for something is not belong. I want them to provide me with 2 pieces of information 1 ) Original Contract with my signature on it 2 ) Proof of ownership
Consumer complaint received 2024-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (TX)

United Collection Bureau, acting on behalf of XXXX XXXX XXXX XXXX, attempted to collect a debt without offering an opportunity to dispute it. The first acknowledgement of this debts existence was on a credit report collection with absolutely XXXX prior contact whatsoever. I will state under oath, notarized, and in court, that neither XXXX XXXX XXXX XXXX nor UCB ever called my phone, sent me a correspondence, communicated with me, emailed, or anything that could be conceived as an opportunity to dispute this debt. Having received no contact or knowledge of its existence, I was unable to respond ( intentionally by UCB ) to their " 45 days to dispute '' attempts. Had I been made aware of a debt or balance I would have immediately disputed it, and offered my insurance cards, for which I had two healthcare insurance providers one from XXXX with a fully met deductible, and one from XXXX XXXX XXXX under the XXXX also with a fully met deductible, that would have covered 100 % of any medical expenses. Because UCB denied me this opportunity they are using predatory collection practices to coerce people into people debt that does not belong to them whether due to faulty insurance filing or incompetent medical staff. 

UCB made XXXX efforts to validate this debt, and XXXX efforts to dispute the debt, and XXXX efforts to work out any arrangement should the debt have been validated. I am someone who lives below the poverty line, I had a negative income tax return, and I make under {$20000.00} per year off government assistance. 

I was contacted by a XXXX XXXX of UCB who falsely stated via postal mail that I had the opportunity to dispute the debt and declined. They sent notification of my right to dispute the debt -six months- after the deadline, and -after- it was reporting to my credit report and -after- I requested to know why it was there. If this debt had been validated I would have made a payment arrangement to prevent it from being reported on my credit or entered into one that guaranteed its immediate removal.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I filed a few disputes with Huntington Bank. While I was in XXXX, my phone and wallet were stolen and I had {$6000.00} taken out of my checking account. Even though they say that some of them arent valid, they said that most of the transactions were valid. I have tried to get an explanation as to why they feel this way and they just say that its their decision. Ive emailed the bank VP along with other members of the executive team with no responses. This has been going on since XXXX. I just want my money back
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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
Consumer complaint received 2023-07-04
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: Synovus Bank (GA)

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 and open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (FL)

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA.
Consumer complaint received 2022-03-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (NJ)

WESTERN UNION LOCKED MY ACCOUNT WITHOUT EXPLENATION.

SORRY... IS NOT ENOUNGH.!!!

I HAVE BEEN XXXX CUSTOMER FOR MORE THEN 20 YEARS. 

I AM RETIRED AND I NEED THE SERVICE. 

WHAT KIND OF CRIME HAVE I COMMITED AGAINST XXXX??? 

I LIKE TO KNOW, SO I CAN APPOLOGISE, PAY FOR THE CRIME, CORRECT THE PROBLEM, OR DO WHATEVER THE LAW REQUIRES. 

BEST REGARDS, XXXX XXXX
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (RI)

On or around XX/XX/XXXX i was offered a Citi Miles Ahead savings account with the opportunity to earn up to XXXX miles on XXXX XXXX with a deposit of XXXX i opened the account- when i called to make sure the miles would go into my XXXX account before i funded it- i was told that i was not eligible for that offer -- I closed the account and cut up the debit card which had arrived in the mail that day. The next day in my mail, i receive a pamphlet offering me once again the same- XXXX miles if you fund the account with XXXX I called Citi and after numerous conversations the answer is basically No i am not eligible because i closed the account!!! I could not get anyone to see how insane this was- i closed it because they told me i was ineligible!! - I feel that this is false and misleading and they have no intention of giving customers the miles- Please investigate- CIti.com. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (VA)

Chime Digital Bank Outage Class Action Settlement XX/XX/XXXX Chime digital bank has agreed to pay {$1.00} XXXX to resolve allegations that a XXXX service disruption caused its users financial damages.