davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

I checked my credit report from Experian, found that there is an unpaid XXXX XXXX XXXX credit card consuming three years before. It leads my credit score in Experian dropped down a lot to XXXX. I get response from XXXX  XXXX XXXX that there isn't any BOA credit card under my SSN previous record. So, I asked Experian for disputing the record if it is a identity theft or recorded by mistake. And Experian needs the Federal Trade Commission report.
Consumer complaint received 2022-03-05
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. (MO)

I have sent several disputes to each bureau informing them that I no longer owe XXXX XXXX this account has been paid off in full and they are continuing to report that this is a collection account and derogatory. I need this account to be removed due to inaccurate reporting. I have also sent several disputes to XXXX XXXX XXXX XXXX XXXX and XXXX  requesting debt validation and nothing has been sent to validate this debt at this point they are in violation of the FCRA guidelines and this need to be removed immediately! Attached is proof of the letters sent requesting this information.
Consumer complaint received 2019-09-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collins Asset Group, LLC (NC)

Original purchase amount in XX/XX/XXXX was {$XXXX}. 
Car was repossessed in XXXX of XXXX with only one payment of XXXX not paid. 
They are reporting that I owe XXXX on a car that I do not have and didnt originally cost that much and almost a year payments paid on.
Consumer complaint received 2019-09-27
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)

Re : Consumer Complaint Against : EXPERIAN XXXX XXXX  XXXX, XXXX TX XXXX Violations of California Law, Violation of FCRA ( Fair Credit Reporting Act ) and applicable State consumer protection laws. Experian Report # XXXX XX/XX/XXXX Consumer Credit File : XXXX XXXX XXXX XXXX Soc. Sec. xxx-xx-XXXX DOB : XXXX This is a formal complaint to be filed against EXPERIAN credit reporting agency. Please see Report # XXXX dated XX/XX/XXXX ( EXHIBIT 1 ), regarding XXXX XXXX XXXX, Acct # XXXX for {$7600.00}. This incorrect information has been disputed with evidence. It is unlawful for Experian to report information submitted by a credit furnisher if the information has been clearly disputed with contrary information. The information furnished to Experian has been disputed and therefore this account needs to be Deleted from my file consumer file within 30 days of receipt. I have also filed a complaint against XXXX XXXX with the National Credit Union Administration ( NCUA ) Case # XXXX. PROMISSORY NOTE LACKS CONSIDERATION The alleged debt currently being incorrectly furnished and reported in my consumer credit file has many legal issues. Firstly, this alleged debt is not mine. I received no consideration nor proceeds. ( EXHIBIT 2 ), All legally binding enforcable contracts in the State of California require consideration, meaning each party must gain something. Promissory Note Lacking Consideration Is Not Enforceable Terry v. Myers ( October 29, 2012 ) 2012 WL 5307912 (  Unpublished ) California Court of Appeal, Second District, Division 3 Relying on the UCC, the Court of Appeal upheld the trial court 's decision that a promissory note was unenforceable because it lacked consideration. Citing UCC 3-303 ( b ) ( specifically, California Commercial Code Section 3303 ( b ) ) the Court of Appeal held that negotiable instruments, including a promissory note, are subject to the defense of lack of consideration.

Desired Outcome : Delete inaccurate information from consumer credit file 3.  Contract, Account, or Policy # : report # XXXX 4. Order # : account # XXXX
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AP)

Attached is the letter inquring about the account and to even settle because I have been disputing Home Depot for almost two years. The final letter recieved stated they are no longer attempting the debt and was written off but it shows on my credit report as a balanced owed.
Consumer complaint received 2019-09-27
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. (CA)

I have been an ongoing victim of IdentyTheft, I have reported this to the XXXX County Sheriffs Department, the XXXX XXXX Police Department, TransUnion, XXXX and XXXX on over 3 occasions TransUnoin has REMOVED all of the FRAUDULENT ACCOUNTS except for XXXX XXXX XXXX has REMOVED all the FRAUDULENT ACCOUNTS accept TIME PAYMENT XXXX has completely REFUSED to comply with Federal Law, they continue to harm my good name ad character with FRAUDULENT AND MISLEADING INFORMATION
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/19 my brother was contacted about my credit card account and given my first and last name, as well as the last four of my cc ( I have a recording of the call ). He has never been involved in my financial matters, and he has zero reason to be contacted with my information. Chase could have been contacting a stranger for all they know. My brother 's number had never been associated with my account so this was not a mistake. I called Chase, and was given no apologies or explanation.
Consumer complaint received 2019-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

Despite several written requests to United Revenue Corp, the unverified item still remain on my credit report. I have been dealing with them for over a year and they have come back to state that they have verified the item and it is indeed mine, also that my claim is frivolous. I have written to them ( United Rev ) to show proof of verification, also who verified it? They have not done so and I have been more than patient with them.
Consumer complaint received 2019-09-27
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (PA)

Radius Global Solutions is attempting to collect for two services both in the amount of {$280.00}. At the time of my injury I was insured thru XXXX XXXX XXXX XXXX XXXX. I presented my insurance information at that time. However apparently they did not submit to my insurance
Consumer complaint received 2019-09-27
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. (IL)

On last Thursday, I went to the car dealership to try and buy a new car. I was denied the loan because of bad things on my credit I went and got my credit report done and there were several things that were not mine. I need those things taken off quickly, they are affecting my credit. I have already called the police here and the FTC. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (PA)

XXXX bill. I have disputed with the credit bureau, XXXX, and the collection agency. I was never contacted before this debt collector destroyed my credit! I never had a chance to prove that this is not my account.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Back during the great recession, approximately XXXX, 2013, Bank of America, who was struggling mightily with bad debt in general, decided unilaterally, without any issues of non or late payment on my end, to suspend my line of credit XXXX both secured and unsecured ). The Credit Line Suspension occurs on my credit report and has been reported to me to negatively affect my credit score to this day ( I have consistently paid back the loan to this day with the suspension language hanging over my credit report ). 

Bank of America was bailed out by the tax payers but at the same time did previous harm to their lenders who were not delinquent in payment or fulfilling any of their obligations. 

BOA should correct my credit report.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Commonwealth Financial Systems, Inc. (NY)

Let 's start with this they were disputed last year and taken off to reappear this s year saying it's new debt for hosptil bills except I've had insurance for 5 years now so a there older then 5 years not new debt but again I disputed last year and won they were dropped now there back again and to top it off the same debt is repeated a few times over the law states 7 years but now since there back their stuck there 7 more years that's not cool the date are in attached. I have also read a lot of reviews on the company and they do this to so many people and the people just bend over and accept it well I will not accept these debts and if they keep showing I'll spend the XXXX XXXX they say I own and sue and go to press just saying. 



Common wealth ... .... My A
Consumer complaint received 2019-09-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a letter for account number ( unknown because I couldn't read the letter ) at address XXXX XXXX XXXX, XXXX, California, XXXX, that was confusing and inaccurate because it was sent in XXXX. I have no idea what the letter says because I do not speak XXXX nor do I understand it. Was this letter sent in XXXX because my last name is XXXX? Why did Midland Credit Management send me a letter in XXXX based on my last name? I feel these were discriminating assumptions and I'm ready to file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission. I've attached the letter that was sent and signed by XXXX XXXX? Does he speak XXXX? If so, I'd like him to contact me so I can get an explanation.
Consumer complaint received 2019-09-27
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. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX i took a look at my credit report ans would like you to investigate this account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX   XXXX, AZ XXXX XXXX. once you have completed you investigation, please delete this account.
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL (WI)

On XX/XX/XXXX a check in the amount of XXXX was mailed from card services for a balance transfer on an Amazon credit card . The payment was sent by mistake to synchrony amazon. The acct number and name of the individual the payment was for was included on the check. Rather than returning the check due to wrong information, synchrony bank cashed the check on XX/XX/XXXX however the amazon account was not credited the funds. We have a copy of the cleared check. Synchrony was initially contacted XX/XX/XXXX and requested written explanation of what occurred. A letter was sent with a copy of the cleared check. We were told that we should hear something within 30 days but received nothing. Did a conference call XX/XX/XXXX again we were told to send a letter explaining the situation and a copy of cleared check which we did again and to give them another 30 days. Also during the conference call I asked to speak with someone in the accounting dept but was told they cant do that. As of XX/XX/XXXX we still havent received a response as to the status of these funds. Our chardholder has also made efforts and received no response. At this point our cardholder still has a balance on the card he intended to be paid off by the balance transfer, synchrony bank has {$2700.00} of our money. We were told by our card company they are unable to assist further because the balance transfer check has already cleared.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

XXXX  has failed to respond to the 1st and 2nd letters, which is a clear violation of the FCRA. As of today, it has been 65 days since I sent out my first letter ( see certified return receipt and prior letter attached ). The FCRA requires that you investigate all disputes initiated by the consumer. 
I demand that you delete the inaccurate trade lines listed below : XXXX XXXX XXXX   XXXX By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted it. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2022-07-15
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. (GA)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % on my credit report. The credit bureaus stated my account was properly investigated, but how is that possible when I contacted the court and their response is enclosed below. It is clear that they do not report to XXXX, XXXX, Equifax, or any other credit bureaus. Therefore, the response verifying that the item was either an error or a lie. Either way, the reporting requirements do not comply with FCRA S 611 ( 15 U.S.C.SEC1681. That's grounds for removal and the also violated my rights under the 15 U.S.C. 1681 SEC 602 states that I have the right to privacy. 15 U.S.C 1681 Section 604, states that consumer reporting agencies can not furnish your account without my written permission. So I did not give written permission to these accounts to be furnished on my credit report.
Consumer complaint received 2019-09-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MN)

Late XX/XX/2019 Requested via phone to transfer payment from an existing payment account to a different account ( joint account shared with myself and my husband ). Received letter on XX/XX/2019 from Chase that automatic payments for the old account had been canceled and new autopay could be set up again in a few days.

XX/XX/2019 Submitted payment online using new bank account.

XX/XX/2019 Payment was rejected.

XX/XX/2019 Made payment via phone, confirmation # XXXX. Explained during this call that the rejection issue was on Chases side and that I had received nothing from my bank ( XXXX XXXX XXXX XXXX ) indicating that a draft had been attempted and rejected. 

XX/XX/2019 Payment was rejected.

XX/XX/2019 Called pay from bank ( XXXX XXXX XXXX XXXX ), they confirmed that no draft had been attempted by Chase. 

XX/XX/2019 Made payment via phone with old account. Confirmation # XXXX XX/XX/2019 Submitted payment online using new bank account.XX/XX/2019 Payment was rejected.

XX/XX/2019 Called Chase inquiring why payment was rejected again. Again, I explained that the problem was not with my bank, XXXX XXXX. Was told that they would look into and call me back. 

XX/XX/2019 Chase called when I was unavailable.

XX/XX/2019 Called Chase asking for update on case. Was told person managing was unavailable and that I would be contacted with information regarding a call review Told that the person managing the case would call me back on XX/XX/2019 between XXXX CDT. 

XX/XX/2019 Chase called me back at XXXX when I was unavailable.

XX/XX/2019 Called Chase asking for an update on case. Was told that the problem ( dating back to XX/XX/2019 ) was the result of an agent error they didnt enter the checking account number correctly - 9 digits instead of 10 - and therefore it was rejected. I reminded them that I had called AND submitted payment online several times AND had confirmed the account number with various people at Chase, in total at least 6 times over the course of the last two months. Provided account information for XX/XX/XXXX payment and was told it would post within 48 hours. Confirmation # XXXX. Asked what Chase planned to do to compensate me for my time. After being put on hold, was told that Chase would waive the late fees for XX/XX/2019. Informed them that this was insulting given the issue was caused by them.

XX/XX/2019 Payment appears to have posted. Late fee assessed onXX/XX/2019 remains.
Consumer complaint received 2019-09-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc. (NY)

I was promised an up To {$590.00} Checking Bonus ( 17 % Of Your Direct Deposit ), opted into the offer and met all of the terms - my bonus has never credited to my account. 

I am writing to you now to request that you get involved and demand fulfillment of Moneylions promised offer deposited to my account. 

Thank you PS - the terms where as follows : The Fine Print This promotion is open to all genders. 
Matching contributions are limited to {>= $1,000,000} in aggregate. 
Individual matching contributions are limited to {$590.00} per person. 
Promotional period ends when maximum matching contributions are reached.

Must maintain direct deposit into MoneyLion Checking Account for at least 90 days to receive matching contributions. 
Eligible matching contributions will be deposited into MoneyLion Investment Account. 
Must be a MoneyLion member in good standing at all times until payment of matching contributions. 
See the Official Rules for additional terms, conditions and eligibility requirements. 
Individuals who opt into the promotion between XX/XX/2019, and the time at which the Maximum Commitment is reached ( the Promotional Period ), and who do not already have active preexisting direct deposits into a MoneyLion Checking Account will be eligible for one-time matching contributions of 17 % of their initial direct deposits of funds into their MoneyLion Checking Accounts, subject to the Maximum Match. Generally, the matching contributions will be made available 90 days after the initial qualifying direct deposit, and will be deposited into a participants MoneyLion Investment Account. Once the Maximum Commitment is reached, MoneyLion will have no obligation to make matching contributions for any direct deposit made, regardless of individual applicant eligibility or time of opt-in for the promotion.

MoneyLion may provide matching contributions to the first 100 eligible direct deposits within 10 business days of confirmation that eligible funds have been appropriately directly deposited. For all other participants, MoneyLion will provide matching contributions after the participant has maintained MoneyLion Checking Account direct deposits of at least 90 % of the value of their initial direct deposits for 90 days after their initial direct deposit. MoneyLion reserves the right to provide matching contributions at earlier times to select participants in its sole discretion. 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Consumer complaint received 2023-02-11
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: EQUIFAX, INC. (NC)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (MD)

I am writing to request assistance in resolving a serious issue involving a fraudulent check transaction. 

On XX/XX/year>, our bookeeper issued a check for {$50.00} to a subcontractor, which was mailed through the local post office 's blue mailbox. On XX/XX/XXXXXXXX XXXX I received a call from a XXXX XXXX representative, who informed me that a check with the same check number was presented for the amount of $ XXXX amount I did not authorize. The representative mentioned that the account of the person who presented this altered check was closed, but the funds had already been withdrawn from my Wells Fargo account. 

I immediately reported this as fraud to Wells Fargo, which confirmed on XX/XX/XXXX that the funds were transferred. After following up on the status of my claim today, I was informed that Wells Fargo has deemed the check as " legitimate. '' However, I have retained a copy of the original {$50.00} check, showing the correct amount, payee, and memo, which clearly demonstrates that the check presented was altered. 

Attached to this letter are copies of both the fraudulent check and my original check. The altered check shows clear signs of tampering, particularly in the memo and date area when you see it in a larger screen. 

Please help me resolve this issue promptly, as the funds withdrawn were unauthorized. I would appreciate a re-evaluation of the case, taking into account the evidence I have provided. 

Thank you for your attention to this matter.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Plus Inc (SC)

There are innacurate fraudulent accounts reporting on credit plus that are not on my credit reports at all with XXXX XXXX and XXXX. 

I am a victim of identity theft and I have an attorney involved as well. These items need to be removed from the credit plus credit report because this is a third party and all three credit bureaus stated to me on the phone that they do not directly report any items to them to report on behalf of me. And this is a violation of the Fair Credit reporting act.