davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have tried in many occasions and in different forms to contact the credit bureaus XXXX, XXXX and XXXX to request an investigation of inaccuracies and incomplete information on accounts that are untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility.. according to the FCRA they are required to promptly DELETE all the information that is inaccurate, incomplete or which can not be verified accordingly. Im now enacting my consumer and civil rights to compel you to annul with permanent deletion of the derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility. the accounts in question are as follow : Bank of America Account XXXX Bank of America Account XXXX XXXX Bank Account XXXX XXXX Bank Account XXXX XXXX Account XXXX
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Google Compare Credit Cards Inc. (CA)

Google and their Google App Store illegally accessed my new debit card information that I have not personally updated with me. I had an old card number that was closed and I received a new card that I have never gave to google nor authorize them to have. Regardless of this somehow they accessed it without my permission and charged me for services that I was not trying to renew to begin with. 

I was also attempting to remove my card number from google but they won't allow me to do delete it unless I replace it with a new card. 

I attempted to call them but there is not a phone number that will allow me to talk to anybody. They also set up their system in a way where I can't get a refund either. 

This practices are predatory and should be illegal by all means. No service should access my debit card or my bank account information without my permission or deny me the ability to delete my financial information.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Concerning my XXXXXXXX XXXX XXXX  They are in violation of 15 U.S.C. 1681S-2 ( a ) ( 1 ) ( F ) ( ii ) ( I ) and FCRA 611 ( a ) 1 I was given accommodations verbally but never a written agreement for a forbearance/deferment of monthly payment for my XXXX account. Lateness for XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXXThese 6 lateness should be deleted from my account and never reported again. Please due this immediately!!!! All of these lateness were under the verbal forbearance/deferment agreement. These lateness were also during the National Emergency Pandemic relief period ( XX/XX/XXXX Thru XX/XX/XXXX ) XXXX XXXX XXXX offered me an unwritten verbal agreement for forbearance/deferment then reported me lateEven though I made good will payments. I requested that the forbearance/deferment agreement be in writing and no response was given from the creditor. Then they reported the information late even though the payments were protected by the National Emergencies Act ( 50 U.S.C. 1601 ). The national emergency act was enacted on XXXX XXXX XXXX and was in effect until XXXX XXXX XXXX You never even told me when the forbearance/deferment was over. I was not required to make any payments and the ones I did make were counted as late! This is a violation of my rights. This violation has caused me great financial losses and is affecting my ability to gain employment. Please delete this account from my credit profile records immediately. 

I have initiated a dispute to XXXX  XXXX XXXX XXXX on XX/XX/XXXX to remove these items due to the terms stated above but they have not acted, answered or replied. 

Not only has XXXX chosen not to respond, it is also past the XXXX period legally for them to do so. On top of that Transunion, XXXX, and XXXX has not replied also I sent them a dispute letter on XX/XX/XXXX as well. This is a violation of my rights. FCRA 611 ( a ) 1. Please permanently delete this record from my credit profile immediately! 

LETTERS SENT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (NC)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-12-02
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. (KY)

The following hard inquiries should be deleted. Inquiries : 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
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2022-12-02
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: Self Financial Inc. (FL)

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

I have not validated any alleged debt with XXXXXXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX  SELF LENDER C/O SELF FINANCIAL , INC any right to collect on this alleged debt. 
I have never received any documentation requesting validation from XXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC , before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXXXXXX XXXX  SELF LENDER C/O SELF FINANCIAL , INC , can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXXXXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC , can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXXXXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC , continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX  SELF LENDER C/O SELF FINANCIAL , INC , will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion , theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-12-02
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: ID Analytics, Inc. (IL)

In accordance with the Fair Credit Reporting Act, everything on my credit report must be 100 % accurate. 

My account was properly investigated, according to the credit bureau, but how is that possible when the open date, date of last activity, and date of last report are all incorrect? 

This ground for evacuation likewise abused my freedoms under.I have the right to privacy, as stated in 15 U.S.C. 1681, section 602 A.Section 604 A of 15 U.S.C. 1681, Section 2 : Additionally, it states that without my written instructions, a consumer reporting agency can not provide an account.Additionally, it took the credit bureau more than a month to finish my investigation. Here is my certified mail.tracking # XXXX
Consumer complaint received 2022-12-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Wilber and Associates, P.C. (NM)

I received a phone call on XX/XX/2022 by someone named XXXX who claimed to work with Wilber and Associates. They left a voicemail, and I called back because I thought it was a lawfirm as they pose as one. He did not ask for any identifiable information, and told me that I owed them money. He did not say the amount and when I asked for him to email me the report, I never received one. I have yet to receive another call, however, someone I used to be associated with but haven't spoken to in over a year, received something in the mail regarding the owed amount and they opened the mail and called Wilber and Associates, who proceeded to give them my personal information and the amount owed over the phone. Thet stated that they are unable to reach me despite me having spoke to someone on the XXXX. I told this person over the phone that I moved addresses so it was possible it was not making it to me, but they did not ask for my new address. Either way, they gave my personal information out to someone who is not me nor in relation to me. I am not sure if I am being scammed, but if it is real I feel more than one violation has occurred.
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (NC)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-12-02
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: CAINE & WEINER COMPANY, INC. (NC)

I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. Thank you in advance. 

XXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX CAINE & WEINER {$260.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX  Inquires XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2XXXX XXXX
Consumer complaint received 2022-12-02
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: CCS Financial Services, Inc. (NC)

I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. Thank you in advance. 

XXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX  XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX Inquires XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX IN XX/XX/2022 XXXX
Consumer complaint received 2022-12-06
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. (GA)

I filed a dispute in regards to the incorect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
Consumer complaint received 2022-12-06
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. (NY)

I recently checked my credit and notice this company has placed a collection on my credit. I have no knowledge of this company or even had an account with the original company which is XXXX. I called to confirm with XXXX that my name was not on my husband electric bill because my husband has been taking care of this bill for over 12 years. They confirmed that my name was not on his account. I called the XXXX XXXX XXXX over 12 different times and once I gave my personal information they hung up the phone on me. I have recording these incidents with the witness of my attorney.

I was a victim of Identity theft years ago and noticed upon my release from XXXX  that my personal information had been compromised. Two long years of proving the accounts did not belong to me they were finally removed and now this is happening. I have kept all of my passwords and personal information very safe so I'm not sure how this came about but I'll love for someone to please help me. After years of XXXX  and changing my life this is a step back for me especially because this isn't my debt. Please help me 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 2022-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland Credit calls me every single day. On XXXX separate occasions over the past XXXX I have answered and they have told me the debt is for XXXX XXXX. I have told them each time that I have never had XXXX XXXX XXXX and could not possibly owe this debt. They always hang up and then call back the next XXXX I have tried blocking their number but they have hundreds of them and call every XXXX
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

Wednesday XXXX XXXX 2022 circa XXXX XXXX - XXXX XXXX : I attempted to deposit {$500.00} cash and a check ( {$670.00} ) to my Wells Fargo checking account via an ATM ( ATM ID : XXXX, XXXX XXXX XXXX, XXXX, CO XXXX ). The check was accepted but the cash was returned to me because the machine wasn't able to read it. I tried redepositing the cash and the ATM machine took it, but my bank account was never updated to include the {$500.00} cash deposit. The total deposit should have been {$1100.00}, but I was only credited {$670.00}. Wednesday XXXX XXXX 2022 circa XXXX XXXX - XXXX XXXX : Submitted claim to Wells Fargo, ATM/Debit/Prepaid Card Claim Reference Number XXXX. Wednesday XXXX XXXX 2022 : Claim Denied by Wells Fargo. 

I am filing an additional complaint because I am requesting a full audit of the video cameras, ATM machine 's faultiness, and the person who picked up the cash & checked the ATM following my transaction. You are failing to protect your consumers if you aren't maintaining your ATM machine to prevent cases where it's taking cash without depositing it into the rightful account. {$500.00} was stolen from me, and I am requesting further auditing to determine where it went.
Consumer complaint received 2022-12-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AR)

My name is XXXX XXXX. I filed a complaint a while back with Venmo and XXXX XXXX. I hope you're able to read it, but long story short is they " cashed '' my {$350.00} check and didn't fund any accounts with it, at lwast not MY account. My money is somewhere just not with me. I have acreenshots and proof which I provided with my last complaint. 

I've tried to follow up but they both are still giving me the run around. There is absolutely no reason that they haven't gotten me my {$350.00} they owe me. It has been 3 months. I have been behind 3 months on bills because of it. I'm still struggling because that was food for my kids and I for a month. It has put me so behind. 

I just want my money I am owed. I cashed it through the Venmo app, which is cashed by XXXX XXXX. I feel like it's not much to ask for to get my money I'm owed. There's no way this is taking 3 months to solve. You cashed my check, didn't fund me and I want my money.