davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
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)

My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered at XXXX XXXX that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report. I did not receive any money, goods, services or other benefit as the results of the event described in this report. I never opened an account/or credit cards with XX/XX/XXXX XXXX XXXX OR XXXX XXXX. I already filed a police report with XXXX XXXX Police and its an ongoing investigation, no perpetrators have been found. Please delete these accounts that do not belong to me. I certify that, to the best of my knowledge and belief, all of the information on and attached to this complaint is true, correct and complete and made in good faith
Consumer complaint received 2020-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

To whom it may concern : I made a complaint with Citi bank about alleged fraud on my account, I made multiple disputes and still have not gotten a response. Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Account # XXXX, I originally made a complaint immediately after the fraud was noticed. I made multiple calls to Citi bank and was told the case is pending, this was back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also attached copies of the fraud checks. The reference XXXX and XXXX, XXXX These are the ones that I have for some reason the bank closed the case without explanation. 

I need you to check the recorded calls on the dispute claims that were made. 

Also, I have attached the checks to show the fraud and the signatures do not match. 

I did get a response that the claim was made late, it that was not the case, for some reason the bank closed my complaint so they made me file a new one
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

I went to apply for a loan and was denied. The credit report showed a bankruptcy. I ordered my report from LexisNexis and there are multiple inaccuracies on the report. The main thing is they list a bankruptcy showing on my report, I called the clerk at the court and she said they have no record and I asked them how can this be put on my credit file? She said LexisNexis was the company that sells public record information to the credit bureaus. I disputed with all 3 credit bureaus and they all came back saying this information was validated through LexisNexis. LexisNexis states they verify this information through the court so I called the clerk at the court again and she stated that they do not verify court case information and how could they verify something that isn't there. So now I am requesting LexisNexis to delete the bankruptcy information from their report as it is erroneous and they have zero proof of validity of the information. this has caused different financial institutions to deny me credit and also close active accounts that I have. This has to be some sort of violation of law for a company to sell/furnish/publish information that is not accurate to companies that use this information for credit/employment/housing/insurance/etc. I am going to consult an attorney because this is terrible how much money I have missed out on by the misrepresentation of LexisNexis data and almost lost my security clearance for the same reason.
Consumer complaint received 2023-03-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

Name- XXXX XXXX DOB- XX/XX/XXXX SSN - XXXX Address - XXXX XXXX XXXX XXXX XXXX VA XXXX I went to apply for a loan and was denied. The credit report showed a bankruptcy. I ordered my report from LexisNexis and there are multiple inaccuracies on the report. The first thing is they list me as deceased in XXXX but then list my addresses and XXXX drivers license number. How can I be deceased? Secondly, there's a bankruptcy showing on my report, I called the clerk at the court and she said they have no record and I asked them how can this be put on my credit file? She said LexisNexis was the company that sells public record information to the credit bureaus. I disputed with all 3 credit bureaus and they all came back saying this information was validated through LexisNexis. LexisNexis states they verify this information through the court so I called the clerk at the court again and she stated that they do not verify court case information. So now I am requesting LexisNexis to delete the bankruptcy information from their report as it is erroneous and they have zero proof of validity and also for them to take the " deceased '' flag off of my account as it has caused different financial institutions to deny me credit and also close active accounts that I have. This has to be some sort of violation of law for a company to sell/furnish/publish information that is not accurate to companies that use this information for credit/employment/housing/insurance/etc. There are also multiple vehicle accidents/incidents on my file that have people with the same last name but nothing to do with me which I found out raises mu insurance rate. I'd like those deleted as well, I am going to consult an attorney because this is terrible how much money and job opportunities I have missed out on by the misrepresentation of LexisNexis data.
Consumer complaint received 2022-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (LA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Commonwealth Financial Systems, Incorporated, for committing identity theft. I have never given Commonwealth Financial Systems, Incorporated, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with Commonwealth Financial Systems, Incorporated and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of ( todays date ), I have not received any documentary evidence, such as a trilateral contract, giving Commonwealth Financial Systems, Incorporated any right to collect on this alleged debt.

I have never received any documentation requesting validation from Commonwealth Financial Systems, Incorporated, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Commonwealth Financial Systems, Incorporated, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Commonwealth Financial Systems, Incorporated, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Commonwealth Financial Systems, Incorporated, continues its collection efforts, I will file for litigation for actual damages caused and Commonwealth Financial Systems, Incorporated, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2021-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MA)

Hello, its been 5-6 months and I have not gotten feed back on any of the items that's suppose to be disputed. By law after 30 days of no response the debt is suppose to be deleted of the report. I know my rights and you guys should look into it.
Consumer complaint received 2022-05-14
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 ()

Dear Sir/Ma'am, My account on Paypal was put on permanently limited and can no longer use it anymore. I am very sad because this is my new account open just in 4 days ago. And I made transaction on my online business. The payment successfully transmitted on my Paypal account. But after all Paypal sent an email decided to put on permanently limited my account without disclosing any reason why. 
I believe that it was a mistake to put on permanent limitations my account. I am using my Paypal account for my online business last XX/XX/2022 under Paypal account XXXX has stucked funds in it that I have to withdrawn asap for my y emergency purposes. I am hoping that I will get back my account and lifted my limitations to be able to transact business again with Paypal. 

For identity verification, I attached my valid ID and screenshot of my account on Paypal for your reference. 

Thank you and God bless Regards XXXX
Consumer complaint received 2020-11-10
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)

My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered at XXXX XXXX that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report. I did not receive any money, goods, services or other benefit as the results of the event described in this report. I never opened an account/or credit cards with XX/XX/XXXX XXXX XXXX OR XXXX XXXX. I already filed a police report with XXXX XXXX Police and its an ongoing investigation, no perpetrators have been found. Please delete these accounts that do not belong to me. I certify that, to the best of my knowledge and belief, all of the information on and attached to this complaint is true, correct and complete and made in good faith
Consumer complaint received 2022-05-14
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 ()

My PayPal account XXXX was permanently limited due to my wrong typing word and i dont know how to edit or removed it plss help me to get back my account i used it for my business like crypto currency and sending for my family and friends ang i can't withdraw my funds.
Consumer complaint received 2018-02-24
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (NC)

I attended XXXX College and majored in the XXXX XXXX program. I talked to the representative and after committing to the program I found out they misrepresented themselves tell me that the classes would help me in my career and also that I could transfer to a four year university after completing this course. I found out shorting that wasn't true and that their courses don't meet state requirements. I shortly contacted them and let them know that their program wasn't transferable and that I was no longer interested in the program. XXXX College continue to debit money from my account and I had to end up closing my account to stop them. I then tried to apply for a auto loan and was denied because they reported to the credit bureau that I owe them XXXX.
Consumer complaint received 2018-02-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (OR)

I opened an account with KeyBank on XX/XX/2017. It came with {$300.00} in bonus for making {$1000.00} in direct deposits and five billpay or debit transactions in the first 60 days. I made {$1000.00} in direct deposits, but now they are claiming that it had to be in a single transaction. That would be very misleading, since that has never been how any bank bonus has worked in my experience. So they are basically telling me if I made a million direct deposits in the first 60 days of {$990.00} I wouldn't get their checking bonus. That is very deceptive wording and very misleading to customers who expect deposit amounts to be cumulative and not transaction based. I contacted KeyBank Corporate and they said I had to contact the branch and when I contacted the branch they said I had to talk to corporate so I got nowhere.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

My student loans were discharged on XX/XX/2023 due to total and permanent military XXXX. XXXX is the only credit reporting agency who has removed the student loans from my credit report as instructed by XXXX and the Department of Education. I have contacted Equifax and XXXX on several occasions and provided them with documentation and they still will not remove the loans. This is preventing me from being able to obtain a mortgage or anything else. They keep giving me the run around saying their is nothing they can do.
Consumer complaint received 2022-05-14
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. 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 2022-05-14
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. 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 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (ME)

I purchased something from XXXX. I sent a payment in XXXX of XXXX for {$100.00}. Then a payment of {$50.00} in XXXX of XXXX. The first payment was not counted. I contacted the credit card company and got the verification from the bank and sent it in. The money was still not credited. Sent a payment in XXXX of XXXX for another {$50.00}. The account still was not rectified. Finally ended up paying what I thought was the full bill with all the extra charges they applied of {$380.00} and change. Apparently by the time it got to them they left a balance of {$9.00} and change. Now they say it was not paid off in full. I paid what the balance was when I received the notice. Now they say I owe a balance of {$260.00} something. I once again asked about the {$100.00} they never credited me for. They insist it would still leave a balance of {$160.00} something. I am not giving them any more money. Now what can I do. I have the proof from the bank they were paid.
Consumer complaint received 2022-11-08
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. (MD)

I am a federally protected consumer as defined under the FCRA. XXXX XXXX, XXXX, XXXX, and Experian are financial institutions as defined under 15 USC 6827. None of these companies ever provided me with the adequate disclosures required by law of my rights to privacy and to opt out of sharing my non public information ( Non public information is .Any information an individual gives you to get a financial product or service ( for example, name, address, income, Social Security number, or other information on an application ) ; C any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or C any information you get about an individual in connection with providing a -5- financial product or service ( for example, information from court records or from a consumer report ). It is their duty to give me these disclosures clearly and conspicuously in accordance with federal law. In the case FTC XXXX XXXX XXXX further proves the above entities are financial institutions and are to comply with the disclosure requirements under XXXX. The case further stated ; The GLBA restricts the ability of a " financial institution '' to disclose XXXX to a nonaffiliated third party by requiring ( subject to certain exceptions not pertinent here ) that the financial institution provide the consumer with notice of the institution 's disclosure policies and the opportunity for the consumer to " opt out '' of disclosure. Id. 6802 ( a ) - ( b ), ( XXXX ). The XXXX further mandates that an unaffiliated third party recipient of XXXX " shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. '' Id. 6802 ( c ). 
AS STATED BEFORE I HAVE NEVER RECEIVED THESE DISCLOSURES OF MY RIGHTS TO PRIVACY AND TO OPT OUT. THESE COMPANIES ARE EXTORTING AND COERCING COMSUMERS TO PAY ALLEGED DEBTS AND HARMING THEIR REPUTATION. 
Lastly, I spoke to several reps at XXXX today who claim they do not have to comply with that law, and for me to contact XXXX to get the information removed. When I called XXXX they told me to call the CRA to get it removed because they can not. They are all in cahoots to deceive consumers as they have been doing for decades. 

See the attached cease and desist to remove my information. Immediately upon receipt.
Consumer complaint received 2021-04-18
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: EQUIFAX, INC. (LA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2020-11-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

I received a letter from Midland Credit Management on XX/XX/2020 asking me for payment for a old debt which XXXX XXXX  XXXX XXXX XXXX XXXX. I do not owe XXXX XXXX any debt. When I called the company to advise them, the person who answered at XXXX Stated it was an old debt and that even though I could not be sued he could report it to my credit. I asked if this is fraudulent. How can he demand money via letter and then threaten me for a debt I dont owe?