davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
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: Optimum Outcomes, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I opened up a checking and savings account on XX/XX/23. I made a {$50.00} cash deposit in my checking and a {$50.00} cash deposit in my savings. On XX/XX/23 I received 2 checks for some work I did. I deposited a check for XXXX in my checking and one for XXXX in my savings. I also deposited cash in the amount of {$360.00} in to my checking. I didnt withdrawal any portion of the check in either account. Next morning I deposited {$780.00} into my checking account. Around XXXX on XX/XX/23 I get a phone call from Wells Fargo fraud department XXXX They say we are closing your account from your recent deposits. How is it that my accounts are being closed when I was responsible enough to wait for the check to clear.
Consumer complaint received 2020-11-14
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. (MS)

On XX/XX/2020 I wrote a letter requesting that Equifax investigate inaccurate accounts on my credit reports. I never received a response. On XX/XX/2020, i sent them another letter about them ignoring my request and they need to verify the account. I still haven't received a response.
Consumer complaint received 2017-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (WA)

Credit Management LP, XXXX XXXX XXXX, XXXX Tx XXXX, furnished derogatory information which does not belong to me to XXXX. This information is now included in my credit file and damaging my credit score On XX/XX/XXXX, I received a copy of my credit report from XXXX credit reporting agency. That report included the following information, furnished by Credit Management LP : Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classifications : Cable/Cellular Original Creditor : XXXX XXXX Account Owner : Individual Account Original Amount Owed : {$210.00} Date of 1st Delinquency XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owed : {$210.00} Last Payment Date : Status Date : XX/XX/XXXX Status : D-Unpaid That information does not belong to me. It belongs to my son XXXX XXXX XXXX XXXX. This account was initiated while he resided in XXXX Ga. I have never lived in XXXX and this is not my account. I had previously spoken with XXXX and Credit Management upon receiving a collection notice at my residence in reference to this account. They assured me that the account would be annotated correctly to reflect my son. I am disappointed to find this information is now in my credit file and damaging my credit. There is no way a mistake of this magnitude should happen. This account should be under my sons SSAN.
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (TX)

I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and NAVY FCU with no successful resolution. XXXX and XXXX   reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2021-07-20
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MO)

I originally reached out to the company Lexis Nexis on XX/XX/21 as a consumer i was concerned about how they are able to report my private personal information to people without ever having my consent. They told me that they got my information from a site called PACER and then sent my information to the three credit bureaus which is damaging my reputation, my credit and causing me stress. How can they expose my private information to all these companies without my permission, or ever even notifying me that they were selling my private information. I asked them to remove my information and they told me NO bc it is public information. There is no way that a personal private matter like mine can be in the public for anyone to see. I asked the courts if they shared my information with anyone and they stated NO. Lexis Nexis has viloated my rights.
Consumer complaint received 2020-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Western Mercantile Agency, Inc (OR)

Western Mercantile Agency INC of XXXX XXXX Oregon. They call me about unpaid medical bills. I pay the XXXX in full with a bank debit card. Western Mecrcantile refuses to email a receipt or send a receipt via USPS, offered a receiptif I drove 16 moles to their office.. I drive to their office and spoke with the supposed Director named XXXX. She also refused to give me a receipt, stating the debit card had not deposited the funds. My vank states the funds were debited from my account. I was refused proof of payment by Western mecantile.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

My citi bank credit card that I had a {$4400.00} credit limit dropped my credit limit to {$800.00} the month our world was devastated with the pandemic & shut down & stocking up on vital medications & necessities Were Perative. Decreasing my limit in the amount of {$3600.00} when I needed to buy essentials & needed my credit card in an emergency situation & I had not one time been late or ever missed a payment in all the years I have had this credit card. They would not tell me why they did this or why The huge drop & they wouldnt correct it & change it back
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NC)

REGARDING BELK/SYNCHRONY. 
I AM THE OWNER OF ACCOUNT AND ADDED MY DAUGHTER AND DAUGHTER IN LAW. MY ACCOUNT IS PAID OFF. THEIR CREDIT DROPPED 25 POINTS. WHY?

MY CREDIT SCORE IMPROVED, BY 25 POINTS! SO WHAT IS GOING ON WITH THIS COMPANY? ARE THEY LEGITIMATELY ALOUD TO LAWFULLY DO THIS?? 
HOW CAN YOU PURCHASE YOUR FIRST HOME IF THE PRIMARY CARD HOLDER CREDIT SOARS AND THEIRS DOESNT???? WHY DID IT DROP???
Consumer complaint received 2019-11-05
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-03-09
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: V and H Portfolio (CA)

This account does not belong to me. XXXX XXXX XXXX are trying to collect money in a fraudulent way. I have no knowledge who they are. They have threated me in the past and im already fed up with them I will be pressing charges on them for Personal Abuse and Threating and Intimaditing People. I would like for this account to be removed from my Credit Report please. They only affecting my Credit score with their false statements and information against me.
Consumer complaint received 2023-01-31
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: Experian Information Solutions Inc. (OH)

I've been paying my mortgage on time over the last 12 month with XXXX XXXX XXXX. Somehow, from XX/XX/XXXX to XX/XX/XXXX, they did not clear my check- which was sent to the same address as before. Then I received a delinquent account report and dropped my credit score by XXXX points. I contacted the bank to explain, but they told me to contact the major credit bureaus. I was only able to contact XXXX but not XXXX or Experian. Would be helpful by them to open an investigation on this matter.
Consumer complaint received 2024-05-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I, the consumer and natural person was denied credit by Penfed Credit Union, on XX/XX/year>, when I applied for an auto loan to purchase a new car. 

Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Penfed Credit Union due to the response I received. 

Penfed Credit Union, is in violation of 15 U.S code 1642 U.S.C 1681m and 12 CFR 1002 because I, the consumer made an application in good faith, but credit was not issued. 

Furthermore, because my social security number was used and I received NO benefit. This is proof of fraudulent activity on behalf of Penfed Credit Union. 

If Penfed Credit Union fails to make any reasonable procedures to resolve this matter and compensate me for the use of my social security, I will indeed make Penfed Credit Union criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681m and 15 U.S.C 1681o. 

I will also follow up with an invoice for said violations ( {$1000.00} ) per violation. 


Thank you, XXXX, XXXX XXXX
Consumer complaint received 2021-08-13
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: Paypal Holdings, Inc (CT)

I had unauthorized transactions and contacted paypal at XXXX as I obtained that number from the internet. I was given the employee name of XXXX XXXX at XXXX XXXX and a paypal employer ID XXXX. My case was NOT resolved, in fact they were obviusly fradulant. Yesterday I contacted another PayPal customer service and spoke to someone that told me they never give out employee ID #. This was phone # XXXX. Unauthorized charges include {$250.00} to XXXX XXXX, {$260.00} to XXXX XXXX, XXXX XXXX  {$85.00}. Are you able to provide me with any assistance? My email is XXXX and my phone is XXXX. Thank you in advance.
Consumer complaint received 2020-10-12
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: LEXISNEXIS (FL)

In XXXX of XXXX, I requested and received a copy of my consumer file from LexisNexis. In it were several incorrect facts, some of which were corrected, while one, in particular, was not and that is what this complaint is about. 
My LexisNexis file continues to show an automobile insurance policy lapse from XX/XX/XXXX until XX/XX/XXXX which was NOT the case. 
On XX/XX/XXXX, I sent a certified letter to LexisNexis explaining my request to correct that particular mistake and, in addition, I enclosed a letter ( per their instructions ) from my insurance company, XXXX XXXX, showing that I had no policy lapses during the dates shown in my consumer file. 
I have tried calling on their always busy phone lines and the online system they provide is so convoluted that I have given up trying to reach them and am hoping you may be able to help get this straightened out and corrected. 
Every time I have attempted to correct this matter I get a letter stating that it has been amended and yet when viewing my file the same inaccurate fact remains.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Eastern Account Systems of Connecticut, Inc. (MI)

Company Eastern Account System has responded on XX/XX/XXXX complaint # XXXX. Company has advised validation of debt letter has been sent on XX/XX/XXXX. I have never received this letter therefore I do not consent or agree to the assumption of this debt being owed by myself. I dispute all parts of this debt as your company has never provided information by XXXX mail neither now or have I received anything on XX/XX/XXXX. As advised I have verbally through dispute advised Eastern Account system is in violation as it has been provided that this account is in litigation. As your company will be able also responsible for not acknowledging this guideline per the FDCPA. I advise all parts of this alleged debt be removed as you have not provided proof or provided written validation of this debt pursuant to the FDCPA on debt validation. Failure to continue to furnish my consumer report all violations shall be brought up in a lawsuit with the company
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (AL)

To Whom This May Concern, I contacted Comenity Bank on XX/XX/2020 and reported that the credit account ending in XXXX was a fraudulent account. I informed them that someone opened the unauthorized card in my name without my knowledge. I was will to cooperating by filing a police report to validate my claim. I was told to not file any reports and someone from their asset protection team would contact me by phone or mail to gathering any supporting documents I needed to complete the investigation. I received a decision letter in the mail on XX/XX/2020. They stated they concluded the investigation and the account is mine.

I was never contacted for any supporting documents or asked to fill out any identity theft forms. So how was the account investigated. I request to see the method of investigation. Where did they gather their information to validate this account?

I have placed security freezes on my credit reports. I now monitor my credit closely for any unauthorized accounts opened in my name. Identify theft is one of the hardest things to clear up from the consumer standpoint. Everyone thinks you are lying. I demand that this account be removed from all credit bureaus because a through investigation was not completed.
Consumer complaint received 2017-08-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nations Recovery Center (NY)

A company called nations recovery call me often every time I answer they hang up never telling me a thing, when I call them back to find out information they hang up on me. I want them to stop calling me. I have no idea what they want. the number they call from is XXXX
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (LA)

I previously had a credit card with Navy Federal Credit Union. I was attempting to pay the account off. Upon speaking to the teller. I was informed the account was no longer with Navy Federal it was sold to a collection agency. Yet Navy Federal continues to report a unpaid balance on my credit report. Both them and the collection agency is reporting on my credit report which in turn is causing hardship in obtaining a Home loan.
Consumer complaint received 2018-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (CA)

This shows up on my credit report as a bad debt. I have known knowledge of it. 

Account name California business XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2014 {$850.00}, XXXX XXXX XXXX XXXX XXXX, ca. 
XXXX
Consumer complaint received 2017-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

XX/XX/XXXX XXXX XXXX XXXX wired XXXX to a fraudulent account set up at the Wells Fargo Bank. XXXX believed they wiring the money to a Boat supplier they had done business with for over 40 years. The owner of the Wells fargo account had sent emails to our bookkeeper over a period of months establishing themselves as a representative of XXXX XXXX XXXX and instructed us to wire this payoff amount on a new boat to fraudulent Wells fargo account. XX/XX/XXXX Wells Fargo contacts XXXX XXXX that the received a wire on intended for them to the fraudulent account. XXXX XXXX contacted us and we instructed our Bank in MD to contact Wells Fargo to request a reversal of the funds. 1st request XX/XX/XXXX XXXX 2nd request XX/XX/XXXX XXXX 3rd request XX/XX/XXXX XXXX 4th request XX/XX/XXXX XXXX. XX/XX/XXXX XXXX Wells Fargo finally acknowledges receipt of inquiry and they will respond in due course. XX/XX/XXXX Wells fargo we are unable to to comply with request and requests indemnity form from XXXX Bank XXXX Bank fills request immediately. XX/XX/XXXX XXXX Bank only receives XXXX of the funds. XX/XX/XXXX, after repeated phone calls and emails by XXXX and XXXX XXXX XXXX ( owners of XXXX XXXX XXXX ) with no response. Wells Fargo again requests indemnity form from XXXX XXXX because XXXX XXXX accepted a Wells Fargo Cashier Check in the amount of {$28000.00}. XX/XX/XXXX Wells Fargo sends letter to XXXX XXXX that funds in the amount of XXXX were recovered from XXXX XXXX account. Wells Fargo did not in anyway do their due diligence on the fraudulent account. In addition Wells Fargo let critical hours and days and weeks go by before responding or making any attempt to retrieve the funds they knew were in a completely fraudulent account. We are a small family business and these funds are crucial and meaningful to the operation of our business. Wells Fargo failed at all to respond to us and treated the stolen money in their account as meaningless to them. Contact XXXX XXXX XXXX XXXX XXXX XXXX or XXXXXXXXXXXX
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST HORIZON BANK (GA)

First Tennessee Bank reported a charge off account when payment was made before the normal 120 days of charge off.
I submitted details of payments and a bank statement for payment that was not credited and resulted in the charge off First Tennessee refuse to recognize their mistake.
Consumer complaint received 2024-05-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (AZ)

Numerous Bitcoin transactions through CashApp over the past several months were determined by me to be a scam or fraud, so I reported the incidents and have been promised refunds of over {$12000.00}, but NOTHING has ever been returned to me! 

Payments have been Held and these entities have NO legal right to hold ANY payments- but they do it and refuse to provide refunds. I have many Email messages I can share as proof. 

The transactions were done on the CashApp app using Bitcoin. The first responses were communicated to : XXXX That has since been determined to be fraudulent. Subsequent communications have been held with : XXXX, which has promised the most recent refunds. 

NO refunds have been received and I am owed well over {$12000.00}, with interest!
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (NJ)

This account was opened by me an closed 10 minutes later because i felt it was a scam. I never ordered or received any goods, but it still reports bad information on my credit report and has also sold debt to XXXX funding, who reports saying i owe late payments of {$32.00}. This information is hurting my credit score, please delete.

I contacted this lender twice, and got no answer, instead XXXX mailed me a letter saying i owed {$32.00} but gave no reason.
Consumer complaint received 2019-11-05
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. (FL)

Equifax appears to be in violation of RICO for knowingling facilitating the illegal lending practices of such rent-a-bank companies as XXXX XXXX  XXXX XXXX XXXX, XXXX, UT XXXX and XXXX XXXX  XXXX XXXX XXXX, XXXX, OH and its marketing and management company " XXXX '' also DBA " XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX and " XXXX '' XXXX XXXX XXXX, XXXX, OH as it did with its predecessor XXXX XXXX who today operates the sales and marketing of its latest incarnation from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX. 

A prior dispute had been filed with Equifax to remove this illegal trade-line from my credit report yet the response stated that the information was correct, not considering the contract was invalid in the state of Florida where I reside or the state of Utah where the company resides. These latest iterations of XXXX  XXXX as noted in the Class Action Lawsuit Gibbs, et. al. v. Plain Green LLC, et al., Case No. 3:17-cv-495 in U.S District Court has already garnered a $ XXXX settlement and the current company still operated in in large part managed by XXXX XXXX , Chief Predatory Lender. 

Equifax aids rent-a-tribe and rent-a-bank usury rate scams by acting as a rent-a-bureau to these illegal lenders by continuing to update and list these illegal loans as valid trade-lines in its files. The company makes no effort to evaluate the legitimacy of the reported trade-lines or the illegal practices despite being provided documents from myself and others clearly stating the illegal annual interest rate charges, in my case clearly listed as 124.86 %, thereby participating in and enabling their illegal practices.