davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ALLY FINANCIAL INC. (PA)

I, XXXX XXXX entered a consumer credit card transaction with XXXX and Ally financial on XX/XX/2017. Pursuant 15 USC 6802 XXXX or Ally financial never disclosed to me that I had the option to opt-out of this transaction being reported, this consumer credit transaction included a finance charge Pursuant 15 USC 1605 a finance charge is a sum of all charges in a consumer credit transaction. 
XXXX and Ally not only took a down payment but they advertised down payment in violation 15 USC 1602.

Ally also reported this transaction to a consumer reporting agency which is a violation of 15 USC 1681. This transaction arose from a credit card which is supposed to be excluded from a consumer report.

Pursuant 15 USC 1635 right to rescission Ally nor XXXX never disclosed to me that I had a right of rescission.
Consumer complaint received 2020-09-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AZ)

I attempted to use my Chase debit card XX/XX/2020 and it declined. I called in and was transferred to a representative who told me that my account has been closed after a review but the reason it was closed would not be disclosed. I asked how to get my $ XXXX and the rep told me I could go to the branch to get it. I showed up at my local branch 30 minutes before close on XXXX and was told my funds are restricted. They called in to their help center about the matter and were told it would be an hour wait. The in branch representative was not willing to help me because they were closing and wouldn't have enough time. I called back on my own just now and the rep I spoke with this time told me my funds would be released only vis check at some point within a ten business day window. I need my money to feed my children. I can't wait ten days for that.
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

About two weeks ago I made a phone call do the customer service center at USAA and was inquiring about their rewards on different types of cards and balance transfer promotions somehow there ended up being a credit card application for their XXXX XXXX XXXX rewards card through their institution which caused an inquiry on my credit report which really irritates me because the man I was speaking with did not understand what I was trying to find out subsequently a balance transfer is executed to my existing card instead of to a new product and they ended up with a {$93.00} fee which is the {$90.00} fee plus interest I have now called this institution a dozen times and every time I call, I get put on hold or disconnected or better, yet I get different answers from different agents who don't know what to do about the circumstance the resolution I look for is to get a reversal of the fees and to get either the inquiry removed in the application council or get the stupid application to be completed so a real balance transfer can be made to the new product, and I don't understand why this bank plays games when you call as I write this, I sit on hold with them for yet another ghastly time of 23 plus minutes the first day I spent over three hours on the phone with no resolution when this happened
Consumer complaint received 2021-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

In XX/XX/XXXX, around XXXX my phone was taken. I can not be sure as to who took it but shortly after they sent payments in order of {$500.00}, {$1000.00}, {$1000.00}, {$500.00}, {$1000.00}, and {$1000.00} using the debit card set up in my XXXX XXXX. These payments all occurred between XXXX XXXX and XXXX XXXX. They originally tried to send {$1000.00} on the first payment but Wells Fargo declined and sent a text/email to verify. Since they had my phone they were able to respond to the verification text and now had access to my funds. Lastly, they tried to send {$2500.00} with the last payment but that was declined due to my daily spending limit being exceeded. Ultimately they got away with my phone and the {$5000.00} sent via XXXX XXXX  from Wells Fargo. 

I have attached the emails I received from Wells Fargo about the activity, my phone was stolen so I do not have access to the texts. I also attached the replacement phone confirmation from my phone insurance to prove my phone was indeed stolen and used to send money without my consent.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma (TX)

I believe I was a victim of the issue that the FTC is currently trying to take care of now with Credit Karma. I was solicited a pre-approval on a credit card but was ultimately turned down. This brought my score down because of the hard inquiry it does. I have been working very hard to improve my score and this did not help matters any.
Consumer complaint received 2020-09-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Account Info Account Name XXXX XXXX XXXX Account Number XXXX This is on my credit report twice and it has been reported from a debit company that bought the debit. So it is on my experian report 3 times.
Consumer complaint received 2022-09-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and update these accounts from my credit report.
Consumer complaint received 2020-08-24
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. (OH)

NOTICE OF INTENT TO FILE A LAWSUIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX EXPERIAN XXXX XXXX XXXX, TX XXXX XX/XX/2020 To Whom It May Concern : This is my official notice to file a lawsuit for 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Over 90 days ago, I wrote to the creditor in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far, none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there still is no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 

Under the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Your letters to me claim to have verified the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is not sufficient verification for identity theft. Of course, the information matches up. Someone clearly used my information without my authorization. 

I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been verified then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against EXPERIAN for violation of the Fair Credit Reporting Act and Defamation. 

The items to be removed from my credit report are listed as follows : XXXX XXXX   XXXX
Consumer complaint received 2020-09-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-22
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: EQUIFAX, INC. (DE)

I am a cosigner of a private student loan XXXX - XXXX with XXXX XXXX, that has been paid in full then transferred to another bank. 
XXXX XXXX has been late on all 3 accounts, due to the Student  primary borrower who defaulted in the loan. Six months later, XXXX XXXX notified me thereafter, which caused loans to be in serious default, with interest, principals, late fees ..... 

Student to date has not made contact with me nor has he made any payment on the loan as the primary borrower. I was able to set-up a payment plan as a retiree to bring the loans out of default once all three loans were out of default, XXXX XXXX transferred the 3 loans to XXXX XXXX XXXX  XXXX 

I filed a dispute with Credit Bureau Agencies against XXXX XXXX to remove derogatory marks, It has been 7-8 years, as loans was paid in full. XXXX  XXXX denial request to rs. remove marks from my credit report. I value my credit and understand the value of having good credit that I use very wisely. Co-signing was a terrible mistake, which I learned a valuable lesson. I am only asking for the late remarks to be removed. Primary Borrower 8 years later has not contacted me nor made any effort to make payments. I continue to payments to date on all three loans that has increased to {$47000.00} from {$40000.00} when XXXX XXXX transferred it. 

Thank you for your help XXXX
Consumer complaint received 2020-09-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-06
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: SYNCHRONY FINANCIAL (NY)

I got my XXXX  Report on XX/XX/XXXX and 5 fraud charges are on it that do no belong to me and there are some co signers on some..I XXXX XX/XX/XXXX {$6500.00} XXXX XXXX XXXX XX/XX/XXXX {$150000.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX  {$10000.00} XXXX   XXXX XXXX {$8900.00}
Consumer complaint received 2022-11-18
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. (IL)

XXXX had a database breach and I was effected by it. All 3 of my credit reports were effected XXXX, Experian and XXXX Credit inquiries on my reports that I don't recognize. I am uploading documents that support my claim Along with documents that shows I file a settlement claim with XXXX
Consumer complaint received 2021-01-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC. (SC)

Highway  XXXX this payday loan company, now I know about the payday loan tactics and I aas a fan of cashnet for about a year I paid off the debt and reopened it once u get over a certain amount they don't tell you your payments will jump from XXXX to XXXX, almost something that us impossible to afford! But not only that they do have repayment plans where they break up your XXXX but they don't tell you the interest on this. XXXX is XXXX I was paying back XXXX but after paying for 3 months I paid almost XXXX in fees ans interest and guess what I only had XXXX dollars added to the amount I could request back. They are making millions off of us. It really should be illegal the way they collect fees and interest I don't recommend a pay day loan to anyone!! After doing this I had to take out another XXXX just to pay the XXXX thay is dues every month! Then my bank takes it anyway so I have a great score with cashnet because they receive the money either way! What they don't see is now im negative XXXX in my bank accounts with a new XXXX dollar over draft! Its a vicious cycle! They have no leniency and on top of that im drained literally after the fees its like im taking 1 step forward and 3 steps back. I cant figure out how to get out of this. The company will split uo your payment but the only thing that does is adds to the balance which prolongs the loan and enevedably makes you more in debt, or option 2 they will change the date but that adds to your loan that way! There is no communication and it a poor sad company that is draining me and I don't recommend. Im extremely stressed and extremely behind!
Consumer complaint received 2021-01-22
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 — Problem with personal statement of dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

Hello, I have disputed an account that is being reported on my credit profile with a company by the name of " Fair Collection & Outsourcing. '' several times. I have NEVER had done with business with them or an account with this company. I do not know who they are so I have requested their company to provide me with legal documentation of their rights to collect on this alleged debt. As you see in the letter they are stating that they are not legally required to respond to my requests. I have being trying to rectify this matter for well over three months.
Consumer complaint received 2022-06-24
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 (TX)

Bank of America has had me in XXXX  and early warning system flagged as fraud. I have never committed any fraud activity on my account I had with them years ago. Overdrafting an account is not considered fraud. Bank of America has neglected to return my calls or investigate this and remove me from XXXX Early warning system and XXXX XXXX has violated my privacy rights no one ever contacted me to verify this on my consumer history in writing or phone, they allowed Bank of America to put me into their system without investigating a just and fair. They never verified accuracy of information for 3 years and ignores my investigation requests
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Dear XXXX XXXX XXXX Bank of America I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or ab
use in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-21
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. (NV)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX/www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-24
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (TX)

XXXX XXXX XXXX sold the debt to National Credit Adjusters , XXXX and a rep named XXXX XXXX keeps repeatedly calling my cell phone using spoofed phone numbers ( # neighborscam ). Another rep named XXXX XXXX, also with National Credit Adjusters, has been using the information they obtained to purchase cars, gym memberships, and auto insurance using my personal information. 

This needs stopped right away and both XXXX XXXX XXXXXXXX and National Credit Adjusters refuse to communicate in writing.
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I noticed {$500.00} missing from my checking account through a XXXX transaction, so I immediately contacted the bank and made the claim. Then the next day I had went to the chase closest to me to talk to a banker who also called the banks online services and claims department who informed me that the claim was immediately closed just 1 day after I made it. So I then called XXXX and chase again trying to appeal the claim so that I can finally get more information on the case but they wouldnt go any more further through to help me out in my time of need. I called again today ( XXXX XXXX  ) to talk to the claims department supervisor to get any information that I can keep record of in case I wish to build a case, but she denied every question that I asked even though I was provided the same information before but failed to keep record of.