davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
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: Experian Information Solutions Inc. (PA)

I finally looked into my credit and saw a collections from XXXX XXXX XXXX. Which is fraudulent and erroneous because I've never contracted with that company Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of
Consumer complaint received 2021-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (KY)

Several unauthorized transactions starting the beginning of XXXX, transactions were done from XXXX XXXX XXXX, XXXX. 
When noticed it going on i disputed them and continued to monitor to make sure pnc was not continuing to allow more transactions to go through. My account and and savings were drained to the negative.
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

I requested my negative balance back via phone support. I requested ACH or wire transfer. I was told the only way ACH works is if they send am email at a random time they can not predict in the following 48 hours. I was told if i fail to authorize the ACH transfer that it would be shipped via mail. I am currently on an island that does not receive physical mail, and can not go to the mailing address because i am distancing from my family who reside there. On top of this, i informed them they are not allowed to mail a physical check. 
4 days go by, no email, but i see the refund was issued on XX/XX/25. I called to see what happened. I was informed a physical check went out, and i complained about this. I reminded them a physical check was unacceptable, and that i had not gotten an email. I escalated this matter to a supervisor, and was informed that someone from the executive office would call me in within 48 business hours. We are now 4 days past the second phone call, and the executive office has not reached out to me. 
On a side complaint, the call lines and verification processes are requesting online account passwords. This is a GIANT no-no in the computer world.
Consumer complaint received 2021-05-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

On Friday XX/XX/XXXX, we closed on a refinance with Freedom Mortgage. On Saturday XX/XX/XXXX, we received a check in the mail in the amount of {$3500.00}. I thought this was weird since there was no mention of this check in the closing of our refinance. I immediately called the closing department on XX/XX/XXXX at XXXX XXXX. I asked about the check amount and this check was explained to me per the letter attached, that it was a surplus, and it needed to be issued to me for payment. I was assured that I could cash this check and move forward with whatever I wanted to do with it. I cashed the check via mobile deposit with XXXX XXXX on XX/XX/XXXX. I did spend some of the money. On XX/XX/XXXX, I received a notification from my bank that the check was not honored. I called Freedom Mortgage immediately and explained the situation, I was put on hold for 3 hours! I hung up then I called back and was put on hold for another hour. I was told that this was a miss communication and that the money was needed to close the refinance and that the check was REVERSED without my knowledge or any from of communication. This left my account in a negative balance. I have a family of 5 and I have been asking my mother to borrow money for food, gas and bills. I have been without money because of this ridiculous mistake that I should not be punished for! I have been speaking to the escalation department to have at least {$1600.00} money returned to my account to bring it back to a positive balance. I have not received no answer as of today. I spoke to XXXX XXXX on XX/XX/2021 and was told that I would get a call back by XXXX, no call was returned. I called back today ( XX/XX/2021 ) I spoke to XXXX XXXX again and he has no answer for me as he has not heard from his upper management. He placed me on hold for 20 minutes before being transferred back to customer service. As we speak I'm still on hold to be transferred back to XXXX. This has been a grate frustration and this mistake is clearly theirs and they should be liable for this mistake.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I called the XXXX credit reporting agencies on Monday XXXX XXXX XXXX and spoke with multiple representatives which was on a recorded line courtesy of XXXX, TransUnion, XXXX speaking about how I have a right to privacy as a consumer to have the information removed that inaccurate and unfair to me as a consumer. The information that was requested to be removed from the report is the XXXX XXXX in the amount of {$390.00} closed account also XXXX XXXX in the amount of {$930.00} closed account when I was denied assistance and my consumer rights were violated. Also, this is not an investigative consumer report, the personal info portion of this report my character, general reputation, personal characteristics, or mode of living is not obtained through personal interviews with neighbors, friends, or associates of mine who may have knowledge concerning any such items of information. The confidentiality, accuracy, relevancy and the proper utilization of my consumer report is not meeting my needs as a consumer. Before taking any adverse action and furnishing anything on my consumer report based on a part of my report XXXX, Transunion, XXXX is supposed to provide the consumer a copy of that report and a description in writing of the rights of the consumer which is me and I have not received such documentary evidence making sure this information is accurate, fair and suitable for me as the consumer. I have gotten in contact with XXXX XXXX also XXXX XXXX in relation to this inaccurate information which they will no longer report to the reporting agencies in the connection of collecting a debt.
Consumer complaint received 2022-09-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (GA)

I contacted Enhanced Recovery Service on XX/XX/22 and asked for a settlement amount and the representative told me they would settle for {$590.00}. I paid the amount quoted to me by the ERC representative. One week later I requested a payoff letter, instead of sending me a payoff letter showing that I have paid the debt in full or satisfied the debt I received a vague correspondence stating that I still owe them {$190.00}. The correspondence letter also reads as if the company has not received the payment of {$590.00}, in which I know it has because the automated system tells me that the debt is paid in full. Bottom line the company will not send me a proper payoff letter.
Consumer complaint received 2021-05-18
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: EQUIFAX, INC. (TX)

Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.
Consumer complaint received 2024-12-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

They delay the deposits and credits on purpose and they reflect the transactions when the funds are low so they can charge overdraft fees. 

this happened to me 10 times in this year. I request full refund of my overdraft fees.
Consumer complaint received 2020-12-01
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. (CA)

Do you want to be the " last man standing ''? XX/XX/XXXX andXX/XX/XXXX have deleted the incorrect items, ( sent via XXXX XXXX. This is precedent. If you do not delete the incorrect items on my credit and raise my score accordingly, ( to what it was ), I will be filling a lawsuit against you on XX/XX/XXXX XX/XX/XXXX, naming both Transunion and XXXX XXXX directly. As previously stated, it will be small claims, no lawyers allowed, and Mr. XXXX will have to make an appearance since he will be personally named, and I will sue you for XXXX 


YOU HAD 30 DAYS AND DID NOT INVESTIGATE. PER THE FAIR CREDIT REPORTING ACT YOU MUST DELETE THIS INFORMATION.
Consumer complaint received 2021-08-22
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. (PA)

I finally looked into my credit and saw a collections from XXXX XXXX XXXX XXXX  Which is fraudulent and erroneous because I've never contracted with that company ever. 

Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of
Consumer complaint received 2021-05-18
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. (FL)

I check my credit report a few months ago around XX/XX/XXXX and notice a fraudalent account that being falsely misrepresented on my credit report. I contacted this company via phone and also wrote letters.I sent numerous letter, one dated XX/XX/XXXX. Another on XX/XX/XXXX and most recently I sent a letter dated XX/XX/XXXX certified mail. The company reporting this is XXXX XXXX XXXX and they are using EQUIFAX and XXXX. There is also a unknown fraudalent hard inquiry on my Equifax report, please remove this XXXX. This inaccuracte and false reporting has caused me great harm in my life, it has prevented me from getting apartments and access to credit. This fraudalent account is still being reported on my Equifax and my XXXX credit reports. Please help me resolve this manner I dont know what else to do. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (IL)

On XX/XX/2020, my credit report showed I had a late payment for my best buy account, which hurt my credit. I called customer support to dispute this error on my credit report. Customer support mentioned they would correct the reporting due to the COVID 19 pandemic. They would waive the late payment. On XX/XX/2020, the late payment remark was removed from my report and corrected, showing 100 percent on-time payments. On XX/XX/2020, my credit report showed a late payment remark on my account for BestBuy. My credit report dropped 38 points, displaying I delivered 82 percent payments on time. I called customer service to dispute the error. Customer support mentioned they would correct this error and add notes to my account to have it reversed for the second time on my credit report. On XX/XX/2020, my credit report showed the correction to my best buy account, delivering 100 percent payments on-time and a balance decrease. My credit score increased by 40 percent on XX/XX/2020. On XX/XX/2020, my credit report for the third time displayed a late payment on my best buy account and an increase in balance by {$1900.00}. My credit score dropped 84 points because of this error in reporting on XX/XX/2020. I have not purchased anything from BestBuy using my credit card during XXXX, XXXX, XXXX, or XX/XX/2020. I made a {$2000.00} payment on XX/XX/2020, which should have balanced at {$38.00}. I called customer support about this issue, but I am tired of hearing the same thing and dealing with this nonsense.
Consumer complaint received 2021-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I check my credit report a few months ago around XX/XX/XXXX and notice a fraudalent account that being falsely misrepresented on my credit report. I contacted this company via phone and also wrote letters.I sent numerous letter, one dated XX/XX/XXXX. Another on XX/XX/XXXX and most recently I sent a letter dated XX/XX/XXXX certified mail. The company reporting this is XXXX XXXX XXXX  and they are using XXXX  and TRANSUNION. There is also a unknown fraudalent hard inquiry on my XXXX report, please remove this XXXX  This inaccuracte and false reporting has caused me great harm in my life, it has prevented me from getting apartments and access to credit. This fraudalent account is still being reported on my XXXX and my Transunion credit reports. Please help me resolve this manner I dont know what else to do. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

After having problems with Coinbase myself and reading online that many others have experienced a plethora of problems as well, I decided to sell all btc from my account. I did so on XX/XX/26. I was not and am still not able to withdraw that money off of Coinbase and send it to my bank. I sent an email to Coinbase which has not been responded to other than an auto-email. The app shows that I have USD in my account but when I hit the withdraw button it then says there is {$0.00}.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (TX)

My credit was ran today XX/XX/2020 without my consent, when I called the company they would not tell me who ran it or why. Companies name is : XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2020-09-25
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX I received a response stating the inquiries are a factual record of file access. I am requesting that you provide me with the descriptions of procedures used to investigate my inquiries in compliance with the FCRA, Section 611. As a matter of convenience, I am resubmitting my request to correct my credit report. XXXX / XX/XX/2020 *XXXX XXXX XXXX XXXX / XXXX XXXX *XXXX XXXX XXXX XXXX / XX/XX/2020 XXXX / XX/XX/2020. These inquiries are not valid. They should be treated as Fraud.
Consumer complaint received 2020-10-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Fair Collections & Outsource XXXX XXXX XXXX XXXX XXXX, MD XXXX File Number : XXXX XXXX XXXX RE XXXX XXXX XXXX, {$7800.00} Dear Fair Collections & Outsource, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC.

In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again
except to provide information or documentation to clear up my reasons for disputing this debt.

If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping  accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX XXXX.
Consumer complaint received 2022-06-10
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. (IN)

I am writing to delete the following information in my file. I item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge. I have contacted the creditors numerous amounts of time and still have not seen a change to my report. I am asking that this information is deleted immediately considering it has been very hard getting approved for a female to to even take my daughter where need be. I reported the theft of my identity to the Federal Trade Commission and also have enclosed a copy of The Federal Trade Commissions Identity Theft Affidavit. Please delete the item as soon as possible.
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (LA)

I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.