davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (MI)

In XXXX of 2023, I tried to send money to a friend from my bank XXXX via a Zelle XXXXXXXX. XXXX  to me the {$100.00} that I sent did not go to my XXXX who has had the same phone number for the last XXXX  years but instead it went to someone I do not know! 

I did not authorize this Zelle transaction and have been made to jump through hoops to get this resolved. I filed a dispute with my bank which was denied and so I opened up again. 

This is unacceptable. I need my money back in my account and I will never use Zelle again. 

I've filed a XXXX complaint and received no help so I am here. My next step will be to contact my states attorney and a lawyer if needed.
Consumer complaint received 2024-03-04
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: Affirm Holdings, Inc (FL)

This company is gradually putting increasing and inaccurate information after a payment I made in XX/XX/XXXX th XXXX I have a letter fro the complaint and they are stating i paid the account I also have my records enclosed from XXXX XXXX AND the bank WHEN I PAID IN XXXX!!!!!! THEY PUT A CHARGE OFF ON A COLLECTION ACCOUNT AFTER MY PAYMENT!! just now IN XX/XX/XXXX! 
I will surely sue XXXX FOR LETTING THEM DO THIS
Consumer complaint received 2022-06-16
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. (GA)

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

I recently applied for auto insurance and the reporting agency has reported that I have excessive claims and thief on my drivers record which is either true, they say that it is causing me for a high premium and getting denied ; I have a great driving record. Someone is reporting miss information about me. 
please have Lexis Nexis to stop reporting false information about me and delete my file, I do not want them to share my information.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-16
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. (MD)

On XX/XX/XXXX, I mailed a dispute to Transunion showing that their furnisher of bankruptcy XXXX XXXX had removed my bankruptcy from their report and stated that the bankruptcy came back unverifiable. 

Today on XX/XX/XXXX I received a response from Transunion stating that they will not be investigating because they have already done so, even though with the compliant I mailed on XX/XX/XXXX I attached the XXXX XXXX report letter, the part of the XXXX XXXX report that shows the bankruptcies had been deleted. 

Per Transunion own website below XXXX XXXX is the furnisher for bankruptcy before XX/XX/XXXX. 

https : //www.transunion.com/legal/public-records I contacted Transunion at the phone number on their letter received in XX/XX/XXXX at XXXX. I asked to speak to a supervisor. The supervisor XXXX came to the phone and stated just because the furnisher stated the bankruptcy is unverifiable doesnt mean it gets removed from the credit report. Supervisor XXXX also stated that they reviewed my letter on XX/XX/XXXX and decided not to pursue my complaint. 

The USPS Tracking # XXXX State of Maryland XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Case # XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Allied Collection Services, Inc. (Nevada) (CA)

On XX/XX/XXXX I notified ( ACS ) Allied Collection Services that I never was in XXXX XXXX, XXXX, on XX/XX/XXXX buying furniture from their client XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I was working for the XXXX XXXX # XXXX at XXXX XXXX XXXX, XXXX XXXX, California, working on multiply piping systems all day. Furthermore, on XX/XX/XXXX I sent my XXXX Passport, XXXX XXXX Police Report of Identity Theft, my California Drivers License and a copy of my check stub of the day in question. In conclusion, ACS told me that they would request a deletion from the credit agency. Instead, they have continued to report this fraudulent transaction as correct under the FCRA to all the credit bureaus.
Consumer complaint received 2022-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CO)

There was a credit card open in my name back on XX/XX/XXXX. This was opened fraudulently in my name and identity. and it seemed that whoever opened the credit card was making payments until XX/XX/XXXX. I had reported to the credit card company this was open fraudulently and figured since it was charged off on XX/XX/XXXX this matter was closed. Then I received some calls from some collection companies which seemed to change all the time, but I reported to them all when I got those calls, this was opened fraudulently and was repeatedly ignored and told it was still my problem to pay. Then about a year ago I noticed on my credit report Midland Credit Management that it was for the credit card, I disputed several times on my credit report on this and explained it was a fraud, with each report denied. I recently received papers I was being sued by Midland Credit Management who purchased this debt. on XX/XX/XXXX I went to the court house and filed an answer explaining once again this was a fraud. When I then called them because I needed to send them a copy of my answer and needed the fax number, I spoke with a gentleman and explained everything. He explained that I should go to this website and file a fraud report so that they can get a copy of this report and work on getting this cleared up and hopefully out of my name and off my credit report. So this is why I am sending this now to report this as fraud. I wasn't aware of ever advised by anyone I spoke with until today to report this as fraud and the process and where to go to do this.
Consumer complaint received 2024-03-04
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: MoneyLion Inc. (TX)

I took out cash advances ( XXXX XXXX ) along with had a 2 personal loans for {$1000.00} each that has since been paid off between XXXX XXXX XXXX. I realized the program was predatory and had not had any further transactions with them since this time. In XXXX XXXX I received an email saying my account was closed due to inactivity. In XXXX XXXX  I started receiving monthly charges to my savings account for {$9.00} as a " membership fee ''. I have disputed these transactions each month with my bank and requested a ACHstop payment. Moneylion continued to change their name and still pulls the money out. I have reached out to them Several times and they will not stop charging me, despite not having an active account or a way to sign in and access my account. I do not have the ability to log in and each time I try I get an error saying a password reset link was sent, but nothing ever comes through. I have repeatedly asked MoneyLion to cancel my account, yet I keep getting asked for my ID and a photo of me holding my ID, and they are also requesting a photo of my marriage license. They have also denied my photo pictures. So I'm still stuck paying for an account, that is supposedly closed, that I have not used Services for in a year.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Recently i applied for american express business credit card for XXXX business i applied my business has been active for three years they ran my credit and ultimately denied me the right to my own unlimited card protected by the truth and lending act and the consumer protection laws they have used false and misleading statements they did not give a reason as why i was denied they are stealing my securities and selling on the stock market to stay in business but denying me my credit 18 usc 894 and 15 usc 1602 i was denied three separate times i hereby cancel the applications because of fraud and identity theft and demand my securities to be returned immediately and they have to answer why am i a legitimate business denied access to his own credit
Consumer complaint received 2024-03-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kohn Law Firm S.C. (WI)

I am currently in court disputing this debt with the company attorney and have been in court with them since XX/XX/2024. Company currently summons me to court while in dispute for an amount of {$5300.00} but every month they continue to increase the amount owe to the credit bureau as if the account is active but the account is showing as in collections. Right now the credit bureau is showing late payments and the current amount due has increased to over {$8000.00}. My next court day is XX/XX/2024. 

The company is in violation of the law CHAPTER 427 CONSUMER TRANSACTIONS DEBT COLLECTION 427.104 Prohibited practices. 
( 1 ) In attempting to collect an alleged debt arising from a consumer credit transaction or other consumer transaction, including a transaction primarily for an agricultural purpose, where there is an agreement to defer payment, a debt collector may not : ( a ) Use or threaten force or violence to cause physical harm to the customer or the customer 's dependents or property ; ( b ) Threaten criminal prosecution ; ( c ) Disclose or threaten to disclose information adversely affecting the customer 's reputation for credit worthiness with knowledge or reason to know that the information is false They are currently still reporting to all credit bureau 's an increasing amount of debt and have not indicated the debt is being disputed. I asked the representing attorney in court and via email why is it that they are suing me in court for one amount but the company they are representing keep reporting to the credit bureau increasing amounts and was told they had nothing to do with what the company is reporting they are only concerned with the amount they are suing me for which is {$5300.00}. I told them well I am concern because it is like they are trying to get money out of me from them for one amount but the company is reporting a totally differnt amount and may attempt to come after me for that amount as well. Again the attorney told me that is not their problem.
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to XXXX XXXX XXXX continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no XXXX party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (CA)

LexisNexis is reporting incorrect information on my consumer report. My name is XXXX XXXX there should be no other names listed on my report and no other variations. My only address XXXX XXXX XXXX XXXX, CA XXXX any other address is incorrect and I have no affiliation with the address. As a consumer reporting agency you are required to maintain accurate records. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (MN)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian XXXX XXXX, 2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2022-06-17
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 — Investigation took more than 30 days
Company: CMRE Financial Services, Inc. (CA)

I have requested debt validation for multiple accounts on XX/XX/XXXX and XX/XX/XXXX from CMRE Financial Services ( XXXX XXXX XXXX XXXX # XXXX XXXX, CA. XXXX ) for the accounts listed above. This company has failed to validate my dept per FDCP section 809 validation of debts [ 15 USC 1692g ). which states : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I specifically requested CMRE to provide the following info : The amount of the debt ; The name of the creditor to whom the debt is owed ; Provide a verification or copy of any judgment ( if applicable ) ; Proof that you are licensed to collect debts in ( insert name of your state ) Instead of CMRE Financial Services validating my dept, they have decided to not respond. Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to a verification letter.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (NY)

FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  New York XXXX XXXX XXXX XXXX XXXX XX/XX/2024 TO : CRIMINAL ENFORCEMENT AND FINANCIAL CRIMES BUREAU XXXX XXXX XXXX XXXX XXXX  NY XXXX RE : ASSOCIATED CREDIT SERVICES, INCORPORATED XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXXXXXX XXXX XXXX XXXX DEPARTMENT OF CONSUMER AFFAIRS LICENSE # XXXX Dear Sir/Madam, I am writing to formally complain about the conduct of ASSOCIATED CREDIT SERVICES INC. false accusation of debt and financial fraud against the elderly.

Below are the specific instances of misconduct and unethical behavior I have observed : 1. Harassment : My PERSONAL financial institution informed me by email that there was derogatory activity filed against me, which has caused me undue stress and XXXX 

2. Failure to Validate Debt : I contacted ASSOCIATED CREEDIT SERVICES VIA telephone XXXX XXXX XXXX XXXX to inform them that I have " NO DEBT AND NO NEED FOR DEBT ''. Please validate the debt. Several weeks ago to this very day, I have not received any validation via telephone email or any other form of communication. ASSOCIATED CREDIT SERVICES INC FAILED TO VALIDATE THE ACCUSED DEBT. 


3. Disseminating of false Personal Information : ASSOCIATED CRESDIT SERVICES INC. reported false personal financial derogatory accusation about me to ALL credit bureaus affecting financial status ratings. 

4. I AM requesting that ASSCOCIATED CREDIT SERVICES INC. restore / remove all false and derogatory reported information from ALL credit buraus restoring, status ratings. Thereby according to my legal rights.

I requesting that you please investigate this matter as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

I havent seen this account in 6+ years and all of a sudden showed up on my report. 
Thats wasnt the amount that was owed, was also told the debt was cleared. Not sure where this amount came from and why it was sold to a debt buyer.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

Amex is reporting late payments on my account. This is inaccurate and against federal guidelines as outlined in 15UCC 166b.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-03-19
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: NEW YORK COMMUNITY BANCORP INC (IN)

I have disputed this case over and over. The fraudulent check was an IRS tax refund check. I told Flagstar that I do not feel that this is my issue to repay. I didn't do it or even knew about the deposit until my account show {$990.00} in the negative.