davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-24
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: LEXISNEXIS (NC)

I have been a victim of Identity Theft through a data breach at XXXX XXXX and XXXX XXXX in 2009. The items I have identified and notified Law Enforcement of on my credit report, do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score. The Accounts deemed fraudulent are : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2017-10-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Green Trust Cash, LLC (MD)

On XXXX XXXX I went on to borrow {$900.00} from Green Trust Cash LLC I had no idea that they would charge 700 % interest amounting to {$5000.00} over the period of repayment.
Consumer complaint received 2015-06-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (FL)

I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (KS)

Subject : XXXX XXXX Account # : XXXX Dear Experian, In accordance with the Fair Credit Reporting Act XXXX XXXX Account # : XXXX, has violated my rights Account name : XXXX  Account # : XXXX 15 USC 1681 Section 602 States I have a 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 any purpose.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

CFPB Write up n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (IN)

I just got a letter stating that First Merchant Bank Cardmember Service has closed out my account without my permission or without notifying me first by phone. When I called them as soon as I got the letter I found out they called the wrong phone number. 

I have attached the letter I have received.
Consumer complaint received 2024-02-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

The late dates for XXXX XXXX XXXX XXXX Account : XXXX, Date Opened : XX/XX/2018 ) are inaccurately verified, violating the FCRA. Despite multiple attempts to resolve this with the bureau and furnisher directly, the failure to address this matter promptly will result in legal action.
Consumer complaint received 2022-10-13
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. (NY)

In accordance with the fair credit reporting act. The list account 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 Has violated my rights. 

15 U.S.C 1681 Section 602 A.States i have the right to privacy 15 U.S.C 1681Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer report an 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 enter dates the report by more than seven years.
Consumer complaint received 2022-05-16
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: EQUIFAX, INC. (FL)

https : XXXX? XXXX CFPB Write up n accordance with the Fair Credit Reporting act 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 2022-05-16
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, 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 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-05-16
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  Account # XXXX, XXXX Account # XXXX, # XXXX, XXXX XXXX  Account # XXXX, # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX, 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 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-05-16
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: Avant Holding Company, Inc. (NJ)

A FRAUDULANT CREDIT CARD WAS OPENED AT AVANT LLC/XXXX XXXX  ACCOUNT # XXXX A FRAUDULANT ADDRESS WAS USED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (VA)

I have 2 accounts with TD Bank. One is in the negative which I was going to fix on theXX/XX/XXXX. Instead,. they have taken all the money out of my one account down to {$000.00} to cover the negative on the other account. They should not be allowed to do this because now I may have negative charges. If they are doing this to me, they are doing this to other people. They have no right to take positive cash out of my account.
Consumer complaint received 2022-05-16
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX has violated my Rights. 

The following accounts have been furnished as late. 

See XXXX Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 states that I as a consumer have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states that 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 any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was trying to pay my bill online. I had been late on a payment because Im on XXXX leave and havent gotten paid by XXXX. When I pulled up my statements, I noticed that Capital One does not show your past due & current due as separate amounts. It made it extremely hard to find out what amount is past due and can cause you to have a XXXX day late if your payment is not enough. Every other XXXX of my credit card bills shows what was past due and what is currently due on XXXX separate lines.
Consumer complaint received 2022-05-16
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)

https : XXXX? XXXX CFPB Write up n accordance with the Fair Credit Reporting act 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 2022-12-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (GA)

I'm filing this report because I am a victim of fraud. Someone named XXXX XXXX, owner of XXXX XXXX XXXX and The XXXX XXXX has scammed me and many other people claiming he would find us a winning XXXX product within XXXX weeks. I signed a contract and paid him {$30000.00} in XXXX of XXXX to find me a winning product and {$6000.00} in XXXX to get the products manufactured and he still has not provided me with the products or services. I am going to take him to court but I wanted to file a police report and FTC report first. I have all documentation, and emails with communication from him. There is a group of other people he has scammed for {$30000.00} also. I have all of their contact information. I paid this company through wire transfer with my bank Navy Federal Credit Union. I reported the fraud to my bank but I was told it was nothing they can do to help. Below is the scammers business address which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

CFPB Write up n accordance with the Fair Credit Reporting act 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 2022-05-18
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (UT)

This is outrageous XXXX acct XXXX is making false complaints I was trying to fix this in different ways and keeping taking money for my direct payment bank account at the end I talk with some one to stop this and theyre ended with this complain when I own XXXX Ill go to find out how to stop this swindle or cheat thanks
Consumer complaint received 2021-10-29
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. (IA)

MY XXXX XXXX XXXX LOAN ACCT XXXX .... WAS PAID OFF IN 2015 BUT IT'S REPORTING AS A CHARGED OFF ACCOUNT.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

MY XXXX XXXX XXXX LOAN ACCT XXXX .... WAS PAID OFF IN 2015 BUT IT'S REPORTING AS A CHARGED OFF ACCOUNT.
Consumer complaint received 2022-05-16
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)

n accordance with the Fair Credit Reporting act 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 2022-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MN)

I went to Macy 's at XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX on Wednesday, XX/XX/2022. I took items to check out at a register and was asked if I had a Macy 's card. I let them know that I did but I didn't have it with me. The cashier told me they could look up my account and charge it to my card. They asked for my ID, checked me out, and then after leaving I got a text message about registering my new Macy 's card. I checked the receipt and it was charged to a card with a different card number then my existing card. I did not agree to sign up for a new Macy 's card. New card ends in XXXX, my current card ends in XXXX. I attempted to register the new card, but no new card is shown on my Macy 's account. I called customer service on Thursday, XX/XX/2022, who claimed they cancelled the new card, but on Friday, XX/XX/2022, I got another text asking me to register my new card.
Consumer complaint received 2017-10-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MCGLONE MORTGAGE COMPANY, INC. (NC)

This mortgage broker does not quote APR. I thought it was the LAW to quote APR
See the below email from XXXX XXXX XXXX XXXX



From: XXXX XXXX  
To: XXXX 
Sent: XXXX XXXX XXXX 2017, XXXX XXXX XXXX 
Subject: follow up 

XXXX,
 
Todays rate: 3.875
No Points
Lender Fee Discounted: XXXX  ( XXXX narmal) 55 day lock 3% down
Loan amount: XXXX 
Payment: XXXX Credit Score: XXXX
 
Sincerely,
 
XXXX XXXX (XXXX ID: XXXX)
Loan Originator/Sales Manager
 
 
 
  

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX 
(Company XXXX ID: XXXX)
 
Phone: XXXX
Fax: XXXX
Email: XXXX
Web Site: www.mcglonemtg.com
 
 
                 
 
********************************************************************
This e-mail is confidential. It may also be legally privileged. If you
are not the addressee you may not copy, forward, disclose or use any
part of it. If you have received this message in error, please delete 
it and all copies from your system and notify the sender immediately
by return e-mail.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Sent Consumer an Email Requesting Extra Time for their investigation of the Consumer Complaint. 

How ever Wells Fargo is using an XXXX encryption of their attachments with instructions for Consumer can do. 

Wells Fargo Please reduce your encryption process in A LETTER & MAIL IT to ConsumerS ADDRESS. 

Thank you, XXXX XXXX
Consumer complaint received 2021-07-22
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: JPMORGAN CHASE & CO. (NY)

I have these accounts that are not mine and i want them to be remove from the 3 credit reporting agencies. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB  CARD Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 


XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft JPMCB  CARD Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB  CARD Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-12-16
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. (LA)

So I sent a letter XX/XX/ here is my tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX to remove personal information that, I do not want on my credit report. According to the Fair Credit Reporting Act. 15 USC 1681. I have a right to Privacy. Also according to 15 USC 6802 no financial institution is not suppose to share my information to third party people. These are clear violations of my my Federally protected consumer rights.
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current (AL)

I went to the store the night of XX/XX/2022 around XXXX and bought something from the gas station and to fill my tank up the next morning I realized my card was gone and money was being wiped off my account day by day i dont know who stole my card but they knew my pin code automatically these skimmers have been found at a lot of stores and atms so I finally contacted the bank to file a dispute and they barely gave me updates and they denied what I said so I dont know what Im going to do