davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
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: Experian Information Solutions Inc. (NY)

XX/XX/XXXX and the XXXX, I had to dispute unauthorized inquiries that has been on my report for a while. I disputed with Experian asking them how can they furnish inquiries without doing their due-diligence, in addition to that I have a security alert on my consumer report. They just deleted unauthorized inquiries within the last 24-72 hours. That mean Experian admit to having unverified information on my report without doing their investigations. DELETIONS IS ADMISSIONS. They claim they honor the FCRA but the FCRA promotes accuracy.

They are in violation of 15 USC 1681a ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 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.

I am entitled as a consumer to compensation pursuant to 15 USC 1681n ( a ) ( 1 ) ( a ) ( b ) ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2023-07-04
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. (CO)

Dear Sir/Madam, I am writing to bring to your attention a matter of utmost importance regarding a fraudulent account listed on my Experian credit report. I kindly request your intervention in rectifying this erroneous information and ensuring its immediate removal, as it is adversely affecting my creditworthiness and financial well-being. 

Account Details : Name of the account : XXXX XXXX XXXX Account number : XXXX Date it was opened : XX/XX/XXXX Fraudulent charges totaling : {$94.00} I want to emphasize that I have never had any dealings or financial transactions with XXXX XXXX XXXX. Upon discovering this fraudulent account, I promptly contacted XXXX XXXX XXXXXXXX on the XXXX of XX/XX/XXXX to address the issue. I was informed by their representative that this account should not be reported on my credit history and that it was a clear case of fraudulent activity. 

As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, credit bureaus are prohibited from reinserting deleted items on a credit report unless the creditor explicitly requests their reinstatement. Failure to comply with this provision would constitute a violation of my rights as a consumer. 

I kindly urge you to take immediate action to remove this fraudulent account from my Experian credit report, as its presence not only tarnishes my credit history but also creates unnecessary financial burdens and restricts my access to credit. 

I trust in your commitment to upholding consumer rights and ensuring the accuracy and integrity of credit reports. I request that you conduct a thorough investigation into this matter and expedite the removal of the fraudulent account from my credit report within the shortest possible timeframe. 

Furthermore, I kindly request that you provide written confirmation of the removal once the necessary action has been taken. Additionally, if any additional documentation or information is required from my end to facilitate this process, please do not hesitate to reach out to me promptly. 

I appreciate your attention to this matter and your prompt assistance in rectifying this unjust situation. Thank you for your understanding and cooperation. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2022-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (IL)

Good Day, I am filing this complaint in concern with this law firm tactics to defraud consumers. In XXXX i received a ticket from XXXX due to red light camera ticket. The camera was on the light poll by the signal lights, so even when your car is turning on yellow which is yielding and we stuck in the middle and the light turn red. the camera still ticketed us. The city of XXXX had a class action lawsuit and sent us a check. I agreed to the class action lawsuit by cashing the check. To get involved the class action lawsuit lawyer sent us an agreement of all the red light camera tickets that were faulty and i signed it and turned it back in. In XXXX i received the settlement check and cashed it. My concern is this law firm represent the same red light tickets from XXXX contacting me to pay the tickets that i had got the class action check for, and on top of it after 7 years the debt is supposed to drop from my credit without any further communication about the matter. 

My question is how many people is this law firm trying to get money from us on fake tickets from XXXX faulty red light cameras from back in XXXX that were paid by XXXX from a settlement? Since then XXXX do not even us red light cameras any more. The lights are placed 15 feet behind the signal light poll to fix the matter. This is fraud. I can not pay you sir if i accepted the class action check and cashed it by agreeing these tickets were faulty. It's illegal to even talk to you after i agreed to a settlement. Stop harassing us.
Consumer complaint received 2022-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2022 I was receiving alerts from XXXX telling me that there was charges being done on my account through text. I proceeded by calling XXXX to see what was going on with these charges and a guy answered and told me that there were two charges trying to be put through my account and that he could help me to pinpoint where exactly this was going on to stop the Chargers. He proceeded by telling me to download an app in which I answered I do not feel comfortable with this. He responded to me ma'am you called XXXX and I answered from XXXX to help you and I said yes he said I will send you a code from XXXX so that you can verify this is legit. So he proceeded to send me a code in which I got on my phone so I went ahead and continued to follow his directions. He had me download an app and as soon as I downloaded the app my phone was hacked he took over my phone in which he entered through my bank account and proceeded to tell me that this was just to trap the people who were trying to put this fake charge on my account I asked them to stop and I ran over to the bank immediately which is about 5 minutes away from my house and by the time I got to the bank he realized that I was on the move and I lost connection of him I told the bank what was going on and they had me sit in a room on the phone with their fraud department approximately 3 hours. In which by the time they came to help me on the phone they told me it was too late the money had already been sent. I asked them to stop it I told him it was not me I was told that I would have to wait to find out what would happen. I'm now being told by this Bank that they can not help me because I authorized this which I did not and I asked them to stop it. The amount withdrawn was {$940.00}.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

On Saturday XX/XX/XXXX. I deposited 120 dollars into my chime account that has the spot me feature. Specifically for an online purchase that was very important and time sensitive The spot me feature let 's you go over however much spot me you have. I had 90 dollars so I though I was fine depositing 120. 

XX/XX/XXXX the feature was taken off with no warning taking the money I just deposited. All day I'm on the phone trying to get help and they keep saying the spot me has a policy with minimum deposits etc my thing is there should be a warning of some kind before money is just taken from an account. Im saying as a 5 year customer you can't help me at all? 

Not to mention I was wondering if it's even legal to do what they did?? Even the irs warns you before they garnish your wages.
Consumer complaint received 2022-03-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Fraudulent charge was made on my account XX/XX/2022 to XXXX for {$10000.00}. I filed a fraud claim with Bank of America. I received a denial letter dated XX/XX/2022. They claim the charge was made from my verified device such as cell phone or tablet. I do not have a tablet and my phone is not tied to my credit cards or bank accounts. I do not have an account with AIRBNB and they did not recognize my phone number when I tried to call. I filed a police report. I am currently appealing their decision.
Consumer complaint received 2022-03-08
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. (LA)

I HAVE INFORMED XXXX AND TRANSUNION THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT AND THAT I HAVE NOT AUTHORIZED THESE INQURIES ON MY CREDIT REPORT. I HAV ESUBMITTED MY POLICE REPORT AND FTC REPORT SEVERAL TIMES. I WOULD LIKE THESE UNAUTHORZED INQURIES REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2022-03-08
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: United Shore Financial Services, LLC (CA)

I have a mortgage with a monthly payment of {$1400.00} with a united wholesale mortgage. I registered for automatic drafting on XX/XX/2021. But the Company did not draft the payment automatically in XXXX, so then there is a past due and the company reported to the credit company. My credit was deducted XXXX points on XX/XX/2021. 
I was not aware that UWM did not charge me automatically, so it became a late payment, so I did a dispute with the company, but they did not help me solve the issue and marked the dispute as complete without investigation. 
I would like to request credit restoration.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Please see uploaded attachment. 

Timeline Summary : XX/XX/21 : Purchased product ( XXXX XXXX XXXX known as Proxies for hobby ) from XXXX XXXX XXXX for {$350.00} XX/XX/21 - XX/XX/21 : Attempting to wait for product to work, being patient and retrying each day, logging into XXXX XXXX portal/dashboard, product never being available or working. 
XX/XX/21 : Emailed XXXX  Support requesting refund. XXXX support replied back there are no refunds ( how convenient - for their product that never worked from beginning ). 
XXXX : Investigated online for resolution/similar cases, have found many others on social media who voiced concerns/distrust with merchant XXXX XXXX XXXX XXXX - many in the same situation , purchased product but never received. 
XX/XX/21 : Opened dispute case ( Case NumbeXXXX : XXXX ) with credit card company Capital One to dispute charge and force chargeback from fraudulent/scam merchant XXXX XXXX. 
XX/XX/21 : Capital One closed case, and ruled in favor of Merchant ( not sure how, considering product was never received and merchant never proved product was working? ). 
XX/XX/21 - Now : Endless emails, calls, providing proof and documentation, screenshots with no assistance provided and hours of time going back and forth with no resolution.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/22, I made an online purchase on the JC Penney website. The following day ( XX/XX/22 ), I noticed that JC Penney was using my former residential address as a shipping address. I contacted JC Penney customer service via phone and requested cancellation of order due to their reported inability to make corrections to this order ; the customer service representative agreed to cancel order and send confirmation email. 
On XX/XX/22, I received an email from JC Penney informing me that the order had been shipped to wrong address. 
Since that date I've disputed the charge, have had multiple exchanges with JC Penney customer service and credit card division. It should be noted that my earlier attempts to resolve this matter with the vendor have been unsuccessful. In fact, the vendor never adjusted my account in response to my dispute. The vendor 's responses have been limited to requesting return of items which I never received. 
To summarize, my online order was shipped to the wrong address despite my attempt to inform the vendor within 24 hours of the original purchase. 

See attached for further information regarding this matter.
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (TX)

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

Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX, XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this claim regarding the business spark credit card account ending in XXXX I have with XXXX  XXXX in regards to the excessive amount of incorrect past due fees, increasing the credit balance thus have been incorrectly reported to the credit bureaus : Transunion, XXXX, XXXX, and XXXX XXXX XXXX. 

The following past due fees were assured to be removed by a supervisor I spoke with in XXXX of XXXX, since the XXXX XXXX dashboard would not let me add any type of payment card to make payment on-time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total amount of late fees that were assured by XXXX  XXXX to be removed : XXXX XXXXXXXX  XXXX has not removed these late fees of {$150.00} and have incorrectly reported two missed payments to Transunion in addition to reporting the wrong balance of XXXX, causing my card to exceed the {$500.00} limit. 

Therefore, I would like the past due fees from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX removed from my account, making my total credit balance- XXXX  I came to this calculation by deducting the past due fees of XXXX from the current incorrect balance of XXXX 
I would also like the interest expense adjusted accordingly. 

I have been trying to resolve this issue for months, each time I am referred to a different XXXX  XXXX representative who assures me this issue will be resolve and I should see this reflected on my credit report within a few business days. 

XXXX XXXX has affected my ability to obtain new credit and has tarnished my personal and business credit reputation on the basis of incorrect information. 

I would like this issue resolved immediately as I feel this is very unfair as XXXX XXXX is at fault. 
Additionally, I have called XXXX XXXX on several occasions to switch credit card types-from the XXXX  XXXXXXXX XXXX XXXX XXXX to the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Every time I call making this request, I am given the broad answer of " Unfortunately we can not switch your card at this time, because the system will not allow us too '', which does not provide a reasonable explanation to the hard inquiries ran on my credit report and I do not receive any additional information, including by mail, on the reason I could not switch my credit card type. 

Doing business with XXXX XXXX, personally or as a business has been very inconvenient and frustrating to say the least. I hope to shed light on this situation, so others can avoid similar situations.
Consumer complaint received 2022-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have filed several disputes in attempt to have this account deleted from my credit report. One credit reporting agency deleted this account and the other two will not remove this account, I do not believe the other 2 reporting agencies have investigated this issue. If so, why isn't it deleted on all 3 bureaus Transunion is reporting XXXX XXXX acct # XXXX XXXX is reporting XXXX  acct # XXXX This information is incorrect and should be deleted by the remaining bureaus
Consumer complaint received 2022-06-21
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. (NJ)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-08
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. (NJ)

I have addressed these issues multiple times to the Bureaus and furnishers with all the documents attached but what I get after these attempts was nothing except for errors, inaccuracies, and unverified remarks which are hurting my credit. I hope this time you can take action in accordance with the practices required by FCRA which some are providing feedback to the consumer 's request and information with100 % accuracy. Here, again, are the items that I am disputing for I believe they are erroneous and fraudulent : Charge off : 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 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 2022-03-08
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BWW Law Group, LLC (MD)

XXXX XXXX  XXXX XXXX contacted this third party company, BWW Law Group , LLC. in order to collect the alleged debt, without my consent and mentioned that I, the consumer, owes a debt. BWW Law Group is now harassing me, threatening to cause harm, and damage my reputation.
Consumer complaint received 2022-03-08
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 SUBMITTED DISPUTES AND DOCUMENTS REGARDING INFORMATION THAT SHOULD NOT BE REPORTING ON MY CREDIT REPORT AND BY LAW THESE ACCOUNTS SHOULD BE REMOVED IMMEDIATELY. I AM IN THE PROCESS OF PURCHASING A HOME AND GETTING A XXXX LOAN BUT THE ACCOUNTS ARE HOLDING ME BACK. THIS IS DEFLAMATION OF CHARACTER AND FRAUD.