davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The Collections Company, Portfolio Recovery continues to report negligence on an alleged debt to the Credit Bureaus. Portfolio Recovery has reported that a recent balance of {$630.00} is owed as of XX/XX/2024. Portfolio Recovery also reported that a balance of {$730.00} is owed as of XX/XX/2024. I am unaware of this debt and have not had the opportunity to dispute this debt.
Consumer complaint received 2024-03-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (NC)

XX/XX/XXXX I contacted Moneylion to obtain the total amount that was due on the account.On XX/XX/XXXX I paid that amount, {$540.00}, in full with a debit card. I was told it would take 30-45 days for the information to be updated and reflected properly on my credit bureaus but that I should receive a paid in full letter within 3 business days. On XX/XX/XXXX, I called again as I had not received the paid in full letter but the transaction had cleared by bank. I received the letter in my email same day. Between XX/XX/XXXX and XX/XX/XXXX, I called Moneylion 6 different times in an attempt to get this handled. As of XX/XX/XXXX they are still reporting to all three bureaus that this account is open and has a balance. This information is not accurate. This account has been closed for almost a year. As of XX/XX/XXXX, I have called Moneylion now a total of 7 times, I have disputed the information with all three bureaus NUMEROUS times and I keep getting the same answer. Answer of " it meets the FCRA guidelines. '' Each time, Moneylion tells me to complete a dispute and attach the documentation showing the payment. I complete the dispute, attach the documentation, then nothing happens. I've done this several times now.
Consumer complaint received 2021-06-11
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. (AZ)

THIS IS THE 3RD REQUEST TO GET A IMPROPER NAME DELETED FROM MY NAME LISTING, ALSO 3 UNAUTHORIZED INQUIRIES AND 1 ACCOUNT THE IS PAID OFF AND SUPOSED TO BE DLETED ALSO A COLLECTION ACCOUNT THAT IS NOT MINE AND THE COMPANY AGREES IT IS NOT ME. SEE LETTER ENCLOSED
Consumer complaint received 2019-07-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services (MD)

I am writing this complaint in regards to Lendmark Financial. Lendmark completely violated my privacy by contacting one of my references, and telling that person personal information about my account status. Lendmark didnt even try to contact me or myself, who are both on the account. This is absolutely unacceptable and should have NEVER happened. 
Furthermore, I have already told this company that Im in the process of filing bankruptcy. 

Ive attached the text message received from thw reference that lendmark contacted.
Consumer complaint received 2019-07-29
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. (NC)

Equifax, XXXX and XXXX XXXX are reporting inaccurate information on my credit report. Someone has used my personal and private information to obtain credit.  XXXX XXXX XXXX/ XXXX. Opened, XXXX XXXX, 2017 collection account XXXX.  XXXX XXXX/XXXX XXXX, opened XXXX XXXX, 2017 collection account XXXX.  XXXX XXXX XXXX/XXXX XXXX, opened XXXX XXXX, 2017 collection account.  I have never had any account with these companies and this information has been placed on my credit without  any proof or validity.  
§ 609. Disclosures to consumers [15 U.S.C. § 1681g]
(a) Information on file; sources; report recipients. Every consumer reporting agency shall, upon request,
and subject to 610(a)(1) [§ 1681h], clearly and accurately disclose to the consumer:
(1) All information in the consumer's file at the time of the request, except that nothing in this
paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any
information concerning credit scores or any other risk scores or predictors relating to the consumer.
(2) The sources of the information; except that the sources of information acquired solely for use in
preparing an investigative consumer report and actually used for no other purpose need not be
disclosed: Provided, That in the event an action is brought under this title, such sources shall be
available to the plaintiff under appropriate discovery procedures in the court in which the action is
brought.
(3) (A) Identification of each person (including each end-user identified under section 607(e)(1)
The credit bureau refuse to respond
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (CO)

I was told that monthly maint fee would be waived if I had a XXXX of {$500.00} or more. I did have XXXX of {$500.00} on XX/XX/24 but was still charged a maint fee. I attempted to call and was literally routed to XXXX different people who could not help. It was infuriating, how difficult is it to refund a {$12.00} fee that was charged despite my account meeting the requirement? It's ridiculous that I have to go to these lengths to get someone competent to help.
Consumer complaint received 2019-10-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Webcollex, LLC (TX)

You are trying to contact me at my job for about 3 weeks now. I have sent an e-mail on XX/XX/2019 to your company asking you not to contact me at my job. This is an illegally practice.
Consumer complaint received 2017-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have called all   XXXX   credit bureaus about hard inquires made on my account without my authorization. I have also tried to go directly through the dealerships who did this no help. There are numerous inquires on my credit that I did n't authorize. I specifically told dealerships no more than  XXXX  and then I look and see multiple. Some of them are multiples inquires from the same place and should be removed.
Consumer complaint received 2018-05-25
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX - {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; Ally Financial credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
*XXXX XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from XXXX XXXX " Completed investigation of FCRA dispute - consumer disagrees '' OR XXXX XXXX XXXX " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, EQUIFAX sent the result by E-mail. But it wasn't opened. It looks like some kind of security problem. Any how I need to phone call to them. 

Thank you!
Consumer complaint received 2024-03-27
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: U.S. BANCORP (CT)

Since XXXX  I have been disputing this debt, and XXXX has been silent. I have never received any information regarding the debt and then they sued me for it. In negotiations with their attorney I paid the debt in full in exchange for it to be removed from my credit report. They dropped the lawsuit and only removed it from my XXXX  credit report but left it on my XXXX  and XXXX credit report. I simply want it removed from all my credit reports and the agreement I made with their attorney to be upheld. I disputed this multiple times to no avail.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX and XX/XX/2021 two checks totaling {$100000.00} were cashed using my account information. On XX/XX/XXXX I noticed the XXXXwo cashed checks on my account and immediately called Wells Fargo to inform them that they were fraudulent. My home address and phone number was also changed on my online account. I informed Wells Fargo that I have never had checks with them and that the checks didn't have my address on them. On XX/XX/XXXX I receive a letter saying they found the transactions were authorized without any explanation. When I called they were unable to provide me with any details on how they made their decision. I have never ordered or possessed checks for my Wells Fargo checking account and did not authorize either of these checks to be cashed on my account. 

My address is XXXX XXXX XXXX XXXX NC XXXX The address on the checks is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2021-06-11
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. (DC)

Although the reporting is current and positive, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX to XXXX, XXXX and Experian requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (PA)

Dear Sir or Madam : I had Citibank Business AAdvantage card with last four digits as XXXX. I closed the account in XXXX by Citibank. Citibank uses automated system to close an account. The system informed me that my account has been closed and I will receive a letter. There was no balance on my account. After XX/XX/2019, I started getting automated phone messages from Citibank that i need to check my account on the web without mentioning any account number. I have another credit card from Citibank and I checked that card activity on the web and everything was fine. I received an email from Citibank on XX/XX/XXXX that my credit card account is past due and I need to pay them {$140.00} on my account number XXXX. This really surprised me, because I had closed this account long time back. I called Citibank right away despite the fact that I am out of country. When I called, I got voice mail that office is closed. As soon as it was Monday morning on east coast, I called again and asked Citibank and they started telling me different stories about it. They told me that the account was closed due to non-payment and it is now in collection. They told me that there was membership fee of {$99.00} due on the account. I told them that I closed the account and they kept telling me that I still owe them membership fee. Not even once, Citibank issued me a statement that says that I owe them this money during all this time period. I received this statement only on XX/XX/XXXX when the account was closed in XXXX. They are telling me that they have called me several times. Not even once, they called me to tell me that my account number XXXX is past due. Every time they called, it would be a computer generated message that mention that I need to check my account on the web without even mentioning even once that it relates to account number XXXX. In the meantime, my web access to account number XXXX was disabled. I spent more than one hour on the phone and spent {$100.00} on international calls. They kept shifting me from one agent to another agent as if this is a joke and I was forced to pay {$140.00} for no reason. They contend that they reached out to me. How can a computer reach out to a human being? Please listen to their messages. I have saved those message on my voice mail. They only say that I need to check my web activity without even mentioning the card. Why should I be required to pay {$150.00} when I closed the account. None of them was willing to listen to me. I think they are deliberately fleecing the consumer. I would request your good offices to intervene on my behalf and help me get back my money from Citibank.
Consumer complaint received 2022-08-27
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. (SC)

I sent my request off on XX/XX/XXXX, I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

1. ) XXXX  Account DEPT OF ED / XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXXXXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX # # # # # # # # # # # # XXXX XXXX. ) XXXX 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 According to the FRCA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

Under the Laws of Commerce, An Unrebutted Affidavit Stands as Truth. I'm writing this complaint to address that Wells Fargo has not rebutted the Affidavit I have sent them. 
I have received a letter after stating that they are looking into my complaint but why waste my time with that letter they should have rebutted the Affidavit. Wells Fargo is in violation of 15 USC 1692g, 15 USC 1635, 15 USC 1692j ( a ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1602 ( p ). I have uploaded all the paper showing proof of what i am saying today.
Consumer complaint received 2017-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Avid Acceptance, LLC (IN)

On  XXXX   XXXX ,    2017 I w as hit by a drunk driver and the damage of this accident resulted in my car being totaled out ap prox  X/XX/2017  b  y  my insurance comp any. Avid Acceptance has reported me as late on payments ( have only one late payment history with t hem up to this point ) all the way fro m  XX/XX/XXXX  throu gh to   XX/XX/XXXX   even though they where well away of the accident and the fact that the insurance company is waiting on them, they continue to delay on providing a letter of guarantee to my insurance company. There has been no contact with me despite my attempts but continue to report me as late on my payments. I have disputed and the results come back stating they are right in their reporting. I do n't understand how they are right in their reporting and how the reporting can be considered accurate.
Consumer complaint received 2019-05-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

Hello my name is XXXX XXXX my ss # is XXXX my dob is XX/XX/XXXX and I've been a Citibank customer for many years with no problems. Then on Tuesday XX/XX/XXXX I purchased items from someone that totaled XXXX us dollars she told me to send her the money through XXXX because she had a business account with them, and on my Citibank app I saw that I had XXXX also as a form of sending money to someone so I proceeded with the transaction but was only allowed to send XXXX dollars per day as my limit so on XX/XX/XXXX through XX/XX/XXXX I sent this person XXXX each day totaling XXXX in return she sent me a confirmation from XXXX stating that if I did not receive my items in 7 days I would be refunded in full from XXXX, After that this person who claimed she was a woman named XXXX XXXX confirmed she received the money and that she was sending out my items the next day with usps with insurance and tracking information and she stayed in touch with me the whole time. The next day she sent me the confirmation from usps that it has shipped and will arrive the next day which was Saturday XX/XX/XXXX I have all the pictures she sent me and all the messages she wrote to me. I kept checking for a tracking update because she kept saying they are gon na send me a tracking number once it departs via email, I started getting suspicious because in her messages I was catching her in lies, so I called my Citibank right away and in a panic cryed to them that I think I was scammed into sending this money and Citibank told me not to worry that I would be protected if these transactions are indeed fraudulent and I was told to wait until the day my items were promised and that if I wasn't updated with tracking of my itemsor didn't recive them as promised I would be protected that phone call took place on XX/XX/XXXX with Citibank which they said was being recorded, so I waited till Saturday the XX/XX/XXXX and never heard or received anything in mail and this person stopped responding to me and I called Citibank once again crying and pleading to them for help where again they told me not to worry I would be protected and they would help me so I put a claim in with them and 10 days later they sent me a letter stating that they can not help me with this claim and I should try to resolve this with the recipient who of course I have no idea who this person is and the person does nit respond to me because they robbed me! please help me please.my phone number is XXXX I live in XXXX XXXX XXXX ny XXXX my account number with Citibank is XXXX please help me I am XXXX years old and this is my only money please help me
Consumer complaint received 2023-07-27
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.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. 

Collection Agency : XXXX XXXX XXXX XXXX Original Balance {$620.00} Original Balance Accounts name : Original Creditor XXXXXXXX XXXX Reference Number XXXX Date Account Opened XX/XX/2018 Original Account Number XXXX Brand Name XXXX  XXXX XXXX took by the company for nothing
Consumer complaint received 2021-06-11
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: TD BANK US HOLDING COMPANY (NY)

I got this account tha does not blong to me and i want it to be remove from my credit report. 


1. Identity Theft TD BANK USA/TARGETCRED Account Number : XXXX This is not mine.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (WI)

My old car was repossessed after I became unemployed. The car was sold and the debt paid off, but the credit report is showing it is still the full balance amount from when I purchased the vehicle, and the account was charged off and still in poor standing. It should reflect as paid and closed since the debt was paid off after the vehicle was sold.
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (TX)

I was involved in the massive data breach from XXXXEquifax, were I just received a settlement pay, also, I received a letter from the FBI that my personal and financial information was found with someone who did not have my permission to use my social security information