davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Collection Management. Inc (FL)

On XX/XX/year> I disputed a negative item and report on my credit report with the pomelo after they sent my debt to collection agency I requested for the collect agency to see if this was accurate and they failed to do so the collection was moved for credit report XX/XX/XXXX and has now got back on my credit report XX/XX/XXXX.
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (FL)

I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Enclosed is a copy of my Identity Theft Report supporting my position. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Consumer complaint received 2018-12-12
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: JPMORGAN CHASE & CO. (TX)

On or about XX/XX/2018, a dispute was put in related to Chase Bank reporting over the balance and causing a decrease in FICO score. This month Chase Bank has made another such internal and external component error for failing to remove from the balance as an adjustment on fraud charges. Chase Bank has increasingly target me and the only such financial institution that has reported to XXXX to decrease my credit score in an effort to have me remove from obtaining Federal Student Aid with the Government. This is a discrimination effort on their errors to do harm. I have file on their errors and their customer service in the Fraud department are RUDE and Abusive. I received a call from the Chase Bank headquarter that told me two weeks ago that an investigation will accrue on calls. Their agents use the phone to harass and treat me as though I had no education and was a " XXXX ''. The harassment by their continued reporting to harm my credit is very damaging and unfair. The company need to investigate the agents involved in this harassment.. Please investigate! ...
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (IL)

On about XX/XX/21 I initiated a consumer credit transaction with my social security number, also referenced by congress as a credit card, pursuant to 15 USC 1602 ( l ). The term credit card means any card, plate, coupon book, or whatever credit device existing for the purpose of obtaining money, property, labor, or services on credit. The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor, I have an open ended credit plan, it is unlawful to deny me my own credit I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non compliance pursuant to 15 USC 1681o , 15 USC 1640,15 USC 1691e .

Further more pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ''. 

A denial of my open ended consumer credit constitutes to discrimination. 

Pursuant 12 USC Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original anything.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I called Bank of America ( BoA ) by phone to request information about my account and they informed me that it was blocked since XX/XX/XXXX for a suspicious online access alert. To reactivate I should come to a branch in person to validate my identity. 
On Saturday XX/XX/XXXX, I went to the branch located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX and opened an identity theft claim. 
Someone who impersonated me accessed electronic banking, made wire transfer transactions to XXXX for low amounts, asked for a debit card and made transactions with. They opened new accounts under my name with a USA address. Total loss was {$69000.00} however, BOA denied my claim without an explanation. They said that a letter was mailed out to the address on system. But that is a fraudulent address ; at the time of changing my contact information nobody called me ever to verify that. BOA didnt perform any due diligence to verify if I was the person who asked for the changes.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

All 3 credit Bureaus took it upon themselves to report inaccurate information on my credit report. Most of the accounts that they have listed as derogatory, never was derogatory so how can they have 34 accounts listed on my credit report as delinquent when in fact they never was. This is causing me high interest rates when I apply for loans and they need to fix it the exact way that it was meaning verify the missed payments and if they cant verify missed payments, remove derogatory off each and everyone of my accounts and stop this racial discrimination none-sense because I am no fool when it comes to blacks in America.actually these companies are paid to report false information and not correct information and when I had good credit they never reported correct information.
Consumer complaint received 2019-03-18
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. (MO)

XXXX, Experian and XXXX are reporting incorrect information on my credit report. The credit bureaus are not sending me any verification of any of these debts belonging to me. I recently just disputed these items listed below, and asked for proof of these accounts belonging to me but have not received any verification of me having any contract with any of these creditors. 

XXXX XXXX XXXX XXXX- {$1500.00} XXXX XXXX/XXXX XXXX- {$1100.00} XXXX/XXXX XXXX XXXX- {$0.00} XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- type debt buyer XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX
Consumer complaint received 2022-07-23
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)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (FL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (PA)

In 2020 I did a voluntary surrender of my truck due to the covid pandemic and not being able to afford it. XXXX XXXX sold the truck and passed the remaining balance to a debt collector Radius Global Solutions. Ive had my bank send them checks every month for {$100.00} since we were made aware of the remaining balance that was owed. I have never missed a payment in the few years Ive had this collection. I noticed that this XXXX my payment wasnt collected, but XXXX had been. My husband had contacted Radius which his was then informed that XXXX took back the payments. He spoke with three different people within two companys and no one could tell him any information about our account, balance, anything. He asked for a letter that had their letterhead with an address, phone number, account number, balance and dated. The customer service person told him no that he could set up our payments with them. Which my husband said no I want a letter with all of the information I asked for. We want the extra proof from our bank that checks are sent and cashed. The customer service person refused. This was on XX/XX/XXXX. We have still yet to receive any kind of noticed of who actually has the debt on our truck.
Consumer complaint received 2022-07-23
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. (CA)

Account # XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602A. States that 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 an account without my Witten instructions.
Consumer complaint received 2020-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

The relevant disputed transactions are below. I checked my Wells Fargo account multiple times a day over the XXXX XXXX weekend to see if check XXXX in the amount of {$1800.00} had been deposited. As of the morning of XX/XX/XXXX, there was no indication that the bank had received the check. 

On XX/XX/XXXX, I arranged for a wire transfer of funds to my account which arrived same day, at approximately XXXX XXXX My account at that point had well over {$3000.00} in funds available, and no mention of check XXXX. 

Later the same day XX/XX/XXXX, AFTER the {$3000.00} in funds had arrived in my account, I received a NSF notice from Wells Fargo that they had declined check XXXX four days previously on XX/XX/XXXX. You can clearly see the order that the transactions occurred on the statement, that I was charged a NSF fee after the funds had already arrived. 

I find it unconscionable that I can check my Wells Fargo account, have plenty of money available, and then have Wells backdate transactions to get NSF fees. I also think it's ridiculous that Wells charges a {$15.00} wire transfer incoming fee. I suppose somewhere in the fine print it is mentioned, but if I receive incoming funds from  XXXX, there is no charge. There is no reason for this fee other than a XXXX cash grab. 

Because the check was declined, it ended up costing me over {$200.00} in other fees to my landlord, but I am not requesting that back. 

I am requesting only to be reimbursed for the {$35.00} NSF fee and wire incoming fee of {$15.00}. I will commit to never using wire incoming again. I do feel that I did everything right, checking the online portal multiple times daily to make sure I kept a positive balance. How am I supposed to avoid fees if I am not given timely information? The Wells Fargo customer service representative  suggested I keep a checkbook, but it's not XXXX any more, back before there was an online electronic portal. 

Please reimburse me {$50.00}. Thank you. 


Expand XX/XX/XXXX WIRE TRANS SVC CHARGE - SEQUENCE : XXXX SRF # XXXX TRN # XXXX RFB # {$15.00} Expand XX/XX/XXXX WT FED # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SRF XXXX XXXX TRN # XXXX RFB # {$3000.00} Expand XX/XX/XXXX NSF RETURN ITEM FEE FOR A TRANSACTION RECEIVED ON XX/XX/XXXX {$1800.00} CHECK # XXXX {$35.00}
Consumer complaint received 2018-12-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

Hello, Why my referral is ineligible? 
We checked all your Terms and Condition! We met them all, both account met all conditions! 
Please credit me and the person I refereed to each {$10.00} investigate and escalate the matter! 
We need to get what we were promised and offered! 
thanks
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (GA)

I submitted my FTC report, Identity theft report, a copy of my utility bill, and a copy of my ID to Experian and XXXX supporting my claims for the fraudulent account on my consumer report, XXXX XXXXXXXX XXXX, XXXX. Experian and XXXX both received my complaint on XX/XX/2022. I also asked the consumer reporting agencies to block and remove this account from my consumer report. XXXX has since removed this account from my report. Experian has not. According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I have sent all of that and Experian has not removed this account from my consumer report as of XX/XX/2022. It's just showing account is under dispute. Remove this account.
Consumer complaint received 2022-10-08
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: CCS Financial Services, Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681 i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts XXXX Credit Control Service. 
Account Name XXXX XXXX XXXX XXXX Number:XXXX   Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the Free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address. 

Thank you for your time and help in this matter. 

XXXX XXXX
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have attempted to work with the 3 credit bureau and they still continue to report in accurate information and provide no proof of executed contracts with my signature. This inaccurate account and you nor the creditor has not provided any contract with my signature to prove that I own this account or opened this account. Who validated this? This account shows that it is in collection, however the payment history is reflecting OK and still showing as an OPEN account. How is that possible, please delete as I will pulling my legal team to review as this is reporting incorrectly and by law it needs to be DELETED.
Consumer complaint received 2022-10-09
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: Resurgent Capital Services L.P. (GA)

I am going to try this one more time before I seek legal action!! The account reporting on my credit file from LVNV  is being reported on my XXXX credit report TWICE!! The LVNV  account for {$550.00} account number XXXX is posted to my XXXX credit report TWICE. I said this twice because their investigation is coming up short both times because they are NOT addressing my issue. I have attached a copy that XXXX claims they verified that clearly shows after an investigation the duplicate accounts are still posted. This is a violation of my rights by both XXXX and LVNV. If this isn't corrected I will be forced to sue.
Consumer complaint received 2022-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-03-18
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. (SC)

There are several accounts falsely reported to my credit report. I complained to the FTC, and directly to the credit bureaus. I submitted copies of my DL, SS Card, Current Bills, ETC all to prove my identity. I asked them to match the signatures on my DL with the signatures on the accounts falsely opened in my name. 

XXXX XXXX XXXX XXXX XXXX : {$3400.00} XXXX   XXXX XXXX XXXX XXXX XXXX {$120.00} -XXXX XXXX XXXX  XXXX {$330.00}
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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.

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 informationisinaccurate.