davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
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. (CA)

It has been tiring disputing these fraudulent items on my Credit File since the Credit Bureas have never even cared about my disputes. I have been disputing the fraudulent items from my Credit Report for a long time while informing them that I am a victim of Identity Theft. The last letter I sent to the Credit Bureaus was on XX/XX/2022, urging the Credit Bureaus to remove these items that were opened due to the theft of my Identity. It is also as clear as daylight that the Credit Bureaus have been negligence of the FCRA section 605b and continued reporting unverified and fraudulent information on my Credit File! Is it that troublesome for the Credit Bureaus to take a look and investigate my Credit File? Despite the multiple written requests for them to investigate and remove these items, they have done nothing to correct my Credit Report! How many letters do I have to send to the Credit Bureaus for them to actually do their job? Under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. The following accounts and inaccurate address are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately : XXXX XXXX XXXX XXXX Balance {$11000.00} ; XXXX XXXX XXXX XXXX  Balance {$3300.00} ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-12-01
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Synerprise Consulting Services, Inc. (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2021-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK (CA)

This is regarding Discover Bank rejected outbound transfers that haven't been returned for 24 days or more. On XXXX XXXX, I scheduled 23 transfers from my Discover Checking to my XXXX XXXX XXXX. Each transfer is in different amount but the total is {$9600.00} ( see attached screenshot of my Discover activities XXXX. I got account suspension notices on XX/XX/XXXX immediately. I called in Discover XXXX XXXX XXXX XXXX the next morning on XX/XX/XXXX and was told suspension due to account name mismatched. This should not happened because Discover has verified my XXXX account with two small deposits on XX/XX/XXXX, as well as two successful transfers completed on XX/XX/XXXX and XX/XX/XXXX. ( see attached screenshot of my XXXX activities XXXX. Anyway, after the call, my account was reactivated on XX/XX/XXXX and those 23 transfers have been updated arrival date to XX/XX/XXXX. However, XXXX has never received them. I made another 3 calls to Discover to figure out and was told by 3 different banking specialists that all my transfers were rejected and will be back to Discover checking in 2 to 3 days. I also sent secure message via Discover online portal and this agent said Missing Transaction request was escalated on XX/XX/XXXX, asking me to wait 2 to 3 days again. However until today XX/XX/XXXX, I still don't receive my money! Neither have I received any emails regarding how they resolve the problem or escalate. No updated status of the funds. I am losing patience and don't trust Discover any more so I have to file this claim.
Consumer complaint received 2022-02-18
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. (NY)

The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company. They shouldn't have access and that's a violation under the XXXX XXXX of XXXX  which state, Generally, your health information can not be used for purposes not directly related to your care without your permission.
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

I had two times with this company once in Fall of XXXX and once in XXXX of XXXX for two different accounts, who never sent me notices via USPS mail that I had a bill they were sending to a lawyers office in Illinois to serve me with legal documents and sue me to pay for a very old debt that was old. They are debt buyers who are known for being sued for their debt buying practices here in Illinois and in various other states for sidestepping the rules btw. I had no notification from them at all in regards to this old debt. I got no summons from the courts. I got no notification from the lawyers offices except a single piece of paper that arrived after the court date letting me know that it was being set and that I had to show up. It wasn't sent in the proper state law required certified, signature needed envelope or with all of the documentation needed for a court summons from a lawyer in regards to a debtor court hearing. It literally was just a single piece of paper about the court date, which mind you had already passed. This was AFTER they had already started taking money out of my paychecks. I had to reach out to my corporate offices ( who also didn't tell me about this happening ) to find out who was garnishing my wages, what it was for and how much and why. When I got that paperwork, it still didn't tell me the original creditor or give me documentation or copies of the bills. It just had the name of the debt buyer and the amount owed plus court costs. 

The name of this Debt Buyer is LVNV Funding LLC, they also own several other companies, who also show up on m Credit Report, such as Resurgent XXXX They have several complaints against them and very many lawsuits. Unfortunately we can not afford to sue them for this. They currently are taking TWO garnishments from my check and finished one already in XXXX. Had I known I could report them here, I would have done this much sooner!!!! 

LVNV Funding LLC is a debt collection agency. According to the Florida Division of Corporations, XXXX XXXX 's principal address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Nevada XXXX XXXX The Consumer Financial Protection Bureau complaint database reflects XXXX complaints ( as of XX/XX/XXXX with a 3 year lookback ). 

We need to stop this company, any help would be greatly appreciated since they are going against the law in Illinois to buyout debt and chase after people who can't afford to pay their bills and doing illegal garnishments without properly notifying the debtors, putting them in worse situations than they were to begin with ( we almost lost our rental house and couldn't afford food or gas to work ).
Consumer complaint received 2022-10-12
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. (LA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to correct 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 COMPLAINT #, and I'm including it again. 
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 2022-09-26
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Sent Capital One Bank a dispute back in XXXX, regarding an account reporting on my consumer credit report from XXXX and XXXX, and they sent me a letter stating that the account ending in XXXX, with a balance of XXXX had been removed. Capital One has violated my consumer right. Attached is the letter sent to me that the account has been removed.
Consumer complaint received 2022-07-07
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. (GA)

In accordance with the federal credit act 15 U.S.C 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

The following has violated my rights : XXXX XXXX XXXX XXXX XXXXXXXX servicing ( which is showing a few account ) Dept Of Ed / XXXX ( Which is showing multiple account ) XXXX  ( which is showing multiple accounts ) U S Depatment of ED ( which is showing a few accounts )
Consumer complaint received 2019-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/18 I went to a bank of America ATM to withdraw {$50.00}. The ATM did not dispurse the cash, but gave me a receipt. I moved to the next lane to do another withdrawal for {$50.00} and the cash was disbursed and gave a receipt. I contacted my credit union XXXX XXXX and they credited my account back while they investigated. Once the investigation was complete Bank On America came back saying the ATM was not out of balance. So XXXX XXXX  too the provisional credit back and caused my account to go negative. I contacted Bank of America and advised they look at the video the camera records every transaction. They stated they only review video if they have a police report number. I have yet to get anyone from Bank of America to help me. I know the first ATM did not give my cash and I was not the only car. It's {$50.00} but it was my {$50.00} that I work for. I have 2 transaction receipts in which the first did NOT dispense the cash.
Consumer complaint received 2021-06-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NV)

On XX/XX/2021, I sold my virtual currency of XXXX Bitcoin and XXXX XXXX, which was net worth of approximately {$1100.00}. Even after I sold the currency, no balance was shown up into my account. I contacted the customer service via email ( Since only method they offer is via email ) after 9 days ( XX/XX/2021, 7 business days ) of not seeing my balance into the account about this matter. Till then, since I did not receive a response from them, I sent another email on XX/XX/2021, XX/XX/2021, and then XX/XX/2021, but still receiving an automatic response from them that they are having a high volume of the inquiry. Still the issue is not resolved, and planning to claim a small case against the company soon. This company needs to close down.
Consumer complaint received 2019-08-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: DOLEX DOLLAR EXPRESS, INC. (TX)

I went to DolEx express at XXXX meat market, XXXX XXXX XXXX XXXX XXXX Tx XXXX to transfer {$650.00} to XXXX XXXX, since I was trying to buy a phone, the seller lives in North Carolina but he wanted me to send the money to his daughter in XXXX XXXX, he sent a tracking number of the phone that he sent through XXXX, so, I was supposed to wait until I get the phone to give him the PIN number so that they can get receive the money so I asked the lady at store that was helping me with the transaction, I asked her if there's a way that they can get the money without the PIN number, she said there's no way they can get the money without this PIN number, so, I completed the transaction and asked her if it's fraud can I cancel this transaction he said yes that all I need to do is go back to the store with the confirmation, then I realized the man just blocked me from XXXX since he got the money without any PIN number, so, I went back to store since the lady told me there's no problem to get a refund, and told me that once they get the money there's no way I can get a refund ... The PIN number is XXXX Pds number XXXX. I made transaction on XX/XX/2019
Consumer complaint received 2021-06-14
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I contacted credit acceptance last month before my payment was due and explained that I needed to see if I could forward my payment to the end of the payments due to me not receiving my check last month. They told me I could instead pay them {$30.00} fee and they will extend out the payment over next three months after they told me they can not let that payment go to the end. I am in a forbearance with my mortgage already due to COVID and I explained that too them I paid the XXXX dollars and this month I have yet to receive last months due check and now have not received this months check as I have tried to correct this error I had to call credit acceptance again and explain that for the second time now Im last year and a half I have not received my check that I needed an extension or something. They told me not available and that my name and number will be put on the call list. Every day except Sundays for the last two weeks they call with an automatic system four and five times a day leave one message and keep on calling. I asked them to put a check on that since its a bit repetitive and they said they can not control who and when the machine calls out on debts owed. I said well that is a problem and illegal that once a week is more like a reasonable calling pattern. It still goes on four and five times a day. I have a call log on my phone showing times and lengths of messages. Its a bit to much. First you dont want to help out then when I do need a bit of peace and quite I get hounded by a machine calling me several times a day. I am done. I will pay as soon as my check clears my bank and I have actual funds to pay with instead of writing a bad check that cost me even more. As I am writing this they are even calling.
Consumer complaint received 2021-06-14
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. (GA)

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2021-04-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

In XX/XX/2020, I had a very severe case of XXXX XXXX. I was hospitalized and received XXXX care for close to two months. As a result, I was unable to pay my Bank of America balance on my credit card. Upon release, I completely paid off the entire balance. I have called Bank of America at length to dispute the late payment information, citing the Covid 19 pandemic as a reason for nonpayment. Bank of America is refusing to update the information related to my credit dispute. I have escalated this with XXXX who has also been unable to get Bank of America to change the status.
Consumer complaint received 2024-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On the XXXX of XX/XX/2024 I had received a warning from XXXX XXXX  Bank saying that " They had frozen my account do to attempts of Purchases made '' that was when after speaking with the bank I noticed all of my information was on the DarkWeb, and was getting used for Car, Purchases and other things these were reported to all the Banks and to other entities. As these where all reparteed by me and my Identity was verified on All calls XXXX created a new Back account never did they " CLOSE ' my accounts or Credit Cards ; But Chase Bank took it upon itself after I reported the incident and to " FREEZE or place on Hold '' my accounts that there is a fraud going on that was the XXXX of XXXX I had not heard anything back from Chase about what would be the move from there part on Saturday XXXX of XX/XX/2024, I sat down with a Bank Supervisor who stated after a call to another Department she stated " All the accounts had been deactivated when I asked why wasn't I notified of this and also where is the money that was in the account she stated that she was told that a Check was sent out on the XXXX of XX/XX/2024, When I stated so you mean from XXXX the had been " CLOSED along with all my Credit cards that where up to date this has caused a greater issue because do to being Terminated my Credit score has been effected.
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

My Capital One card had a balance of {$1200.00} due on XXXX paid full amount XXXX, just received new bill for interest {$15.00} The Cap. card was my old Wallmart card ending inXXXX. I have never been charged interest when paying in full? Fell Capital One are crooks XXXX XXXX XXXX Thanking You in Advance
Consumer complaint received 2021-06-14
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: Experian Information Solutions Inc. (OK)

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX. I have informed the consumer reporting agency XXXX  by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2021-06-14
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: EQUIFAX, INC. (OK)

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agency XXXX  by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2017-06-01
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. (SC)

I am filing this complaint because Transunion has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section  611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '  that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2022-07-07
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. (GA)

In accordance with the federal credit act 15 U.S.C 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

The following has violated my rights : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( which is showing a few account ) Dept Of Ed / XXXX ( Which is showing multiple account ) XXXX ( which is showing multiple accounts ) U S Depatment of ED ( which is showing a few accounts )
Consumer complaint received 2019-08-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

A few years back I was involved in a XXXX accident where a driver in a vehicle hit me head on. Thus, I was in a difficult situation where I could not pay my bills. Now that I am back to work full time, I desire to avoid filing for bankruptcy. Therefore, I am sending requests to my creditors, debt buyers and collection agencies the following criteria : 1 ) Your financial institution, collection agency or debt buyer will not make calls to me either on my personal cell lines or at my employment.

2 ) That all correspondence take place in written form only.

3 ) That your office will accept a settlement offer of 25 % of the charge off balance as payment in full, and upon such acceptance I will agree to make said payoffs within a very short and reasonable time period.

4 ) Your office will mail all correspondence to my home address or my email at XXXX. 
Thank you for your consideration in this matter. 

XXXX XXXX
Consumer complaint received 2018-12-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TN)

We received a Letter in the mail addressed to XXXX XXXX at our home address. It said that synchrony bank received the request for credit for a credit program with Walmart. It stated that unfortunately they were unable to approve the request at that time because of prior application has been submitted too recently. XXXX XXXX does not live at our address and we do not know this person. We believe this is a case of fraud. Synchrony bank told me to send the letter to them and they would investigate it. The back of the letter also said to contact the consumer financial protection agency.