davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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. (TX)

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I am requesting that you remove the following items off ofm y Credit File : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$74.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$50.00} XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. In accordance with the Fair Credit Reporting Act section XXXX, I am requesting that you please remove the fraudulent accounts and information off of my Credit File.
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Sunbit, Inc. (IL)

I was invited by a woman I met through social media to start investing in crypto binary futures. I began investing on XX/XX/XXXX. Wire transfers were made from my bank account to XXXX. There I purchased XXXX in the form of Tether and transferred it to the trading platform on XXXX and then on SUNBIT. I made approximately 15 wire transfers for about $ XXXX. Gains kept increasing and my portfolio reached $ XXXX When I tried to withdraw the funds, I was told I needed to pay 15 % taxes on the $ XXXX gains before I could withdraw funds. Taxes amounted to $ XXXX and I made partial payments. When I made a payment, funds would still not be released and new payment requirements were assessed. The only communication available with them is through Customer Service. I have received a few emails, but all through a Help Desk style format. I currently have $ XXXX in my account, but no way to access or withdraw the funds. I believe the platform is located in XXXX. 

Here are the platforms I traded on : SUNBIT trading platform : https : //www.sunbitsite.io ( migrated from XXXX platform in XXXX ) XXXX trading platform XXXX XXXX XXXX XXXX XXXX XXXX ( shut down and moved to SUNBIT platform in XXXX ) I had email contact from this address : XXXX XXXX ( XXXX ) XXXX reply-to : XXXX XXXX XXXX
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

XXXX an e-bill from XXXX XXXX XXXX reflecting a balance of {$31.00} for an auto-refill subscription to be paid by XX/XX/XXXX. 
XXXX Assessed a {$30.00} late fee for failure to make payment by XX/XX/XXXX. 
XXXXReceived an e-bill from XXXX XXXX XXXX reflecting a balance of {$63.00} to be paid by XX/XX/XXXX. 
XXXXContacted company via email regarding missed payment and requested a one-time courtesy waiver of late fees. I was informed that they would remove the late fees assessed which would be reflected in my next statement. I made a payment in the amount of {$31.00}. 
XXXXReceived an e-bill from XXXX XXXX XXXX reflecting a balance of {$73.00} which included the {$30.00} XXXX late fee and a {$40.00} XXXX late fee as well as minimum finance charges. 

I have contacted XXXX XXXX regarding the new unexplained charges but they are unwilling to clear the balance. The most they can do is waive the {$40.00} XXXX late fee. They argue that I had a balance of {$2.00} ( supposedly " valid '' minimum finance charges ) on XX/XX/XXXX which constituted a failure to pay. As a result, they reassessed XXXX and XXXX late fees. If they receive no payment by XX/XX/XXXX they will assess another {$40.00} late fee. 

In sum, I will continue to accumulate late fees, minimum finance charges, and risk potential adverse impact on my credit report because they argue they are owed a {$2.00} finance charge which was assessed a late fee which they were to waive. I paid for my purchase but it is unconscionable that they would continue to assess fees upon fees upon fees over a {$2.00} minimum finance charge which I was unaware of.
Consumer complaint received 2023-02-28
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. (NY)

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX  BANKRUPTCY XXXX XXXX ACCT # XXXX 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 2023-02-23
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. (PA)

I went to some car dealerships and my credit was ran more times than I authorized. I would like to have them removed. 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 2023-02-23
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: EQUIFAX, INC. (FL)

First of all XXXX XXXX is NOT even licensed in Florida as a collection agency. They are illegally attempting to collect an alleged debt, which is a major violation of my consumer rights. I have attached the list of XXXX XXXX  where FLORIDA is NOT listed. 

XXXX XXXX also lost a class action settlement by using unlawful collection lawsuits in Illinois. They manage purchased accounts and collect alleged debts. They continue to violate debt collection laws XXXX XXXX has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for this Account XXXX XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft. 

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, Equifax, XXXX and XXXX XXXX " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft. 

I have contacted the Attorney General 's Office, XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account XXXX  XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc. (TX)

Ive been having trouble accessing my funds majority of the day and it says that I have no money in my account that I have insufficient funds to be exact when I tried to make the transaction online and then when I try to access it on the mobile app, it said that my password was wrong. It said that my username was wrong and Ive been calling the ADP wisely number and they have a busy line. This isnt the first time Ive had issues with them. Ive had people stealing my information and making transactions Ive even had a police report of the first incidents. Which has already been resolved. Its Happening again, because I do not have access to my funds or to my account on the mobile app or online on my laptop.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

XX/XX/, I am now speaking XXXX. I have had three codes sent to me because employees of Fifth Third do not know what they are doing. 

I have been on the phone for 3 hours now. XX/XX/, a supervisor within 5/3 attempting to do the balance transfer but it was flagged because it did not recognized the employee of 5/3. This happened two more times on XX/XX/XXXX XXXX The representative in customer service was " passive '' and did not correct the amount. He stated a balance transfer of {$4100.00} instead of {$4200.00} so we had to do the it all over again with the Fraud Department. 5/3 does not have a code for customer service on the telephone who are helping customers do the balance transfer. This resulted in 3 codes from the Fraud Department. XXXX XXXX XXXX    at XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XX/XX/XXXX Then on XXXX XXXX XXXX  at XXXX : XXXX XXXX messages sent to my number XXXX. 
Three codes were sent as follows : XXXX ; XXXX approved for {$4100.00}. 
This was approved. XXXX said it had not been approved. There is a recording where it was approved for {$4100.00} and your records can be secured by the court system. Approved on code XXXX for {$4100.00} is on record but the slow 5/3 employee did not know what he was doing and later changed it to {$4200.00} then problems again. 

I have been on the phone for almost 3 hours now due to the inability of 5/3 bank to know that an employees of 5/3 in corporate 5/3 were the ones processing the balance transfer. The INTERNAL COMMUNICATIONS WITHIN 5/3 IS HORRIBLE. 
3 HOURS WASTED. 
STILL NO BALANCE TRANSFER. XXXX WOULD NOT LISTEN TO THE PROBLEM. I NEVER EVER WISH TO SPEAK TO HER AGAIN. I TOLD HER TO GET OFF MY PHONE THAT IF SHE KEPT SAYING THAT MY BALANCE TRANSFER WERE NOT APPROVED THAT I WOULD TAKE LEGAL ACTION. THERE WAS AN APPROVAL FOR THE CODE XXXX ON TWO ( 2 ) RECORDED LINES THAT ARE PERMITTED BY LAW. SHE, XXXX, HAS GOTTEN 5/3 IN A LOT OF TROUBLE BECAUSE SHE DID NOT LOOK PROPERLY AT THE RECORDS.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (LA)

XX/XX/XXXX An account was open in my name using data that is listed on my job website that was hacked as well. The hacker changed my banking information to unknown Chime account. A police report was made. My job has also tried to get the money sent back. Chime only sent XXXX of XXXX dollars. I have reached out to Chime 3 months straight, uploaded documents as well as identification and yet Chime have not rectified my concern of my refund. 

My job sent a report to chime to retrieve funds : Duplicate ticket -- Indemnity letter for PP26 was sent to XXXXXXXX XXXX on XX/XX/XXXX. We have not received a response/funds back at this time. We are not authorized to make refunds until the bank returns the money. The money was sent on trace # XXXX with a transfer date of XX/XX/XXXX and effective date of XX/XX/XXXX
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (VA)

XXXX XXXX, Equifax and XXXX all stated that account number ending is XXXX was accurate as well as complaint. After looking further into my credit report I noticed that All 3 Failed to provide me with the utmost accuracy and compliance that I needed in my credit file as it affects my every day life. 

Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date of First Delinquency IS MISSING Creditor Classification IS MISSING XXXX XXXX also states that they closed my account which isn't true. I asked them to close my account. It makes me look unworthy of credit when it states untruth as they state. 
LATE PAYMENTS ARE INCORRECT because I don't have a XXXX to even start where the late payments begin. Please Remove late payments and Mark paid as agreed or Delete from my Report Section 607 ( b ) of the FCRA provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.In some cases, such as when certain account or other information fields on consumer reports are logically inconsistent with other fields of information, a consumer reporting agency can detect the logical inconsistencies and prevent the inaccurate information from being included in consumer reports it generates, thereby avoiding the consumer harm to individual consumers that can result from reporting such inaccurate information.In addition to provisions authorizing Federal and State enforcement, [ the FCRA contains two provisions relating to civil liability to consumers for noncompliance. Section 617 provides that any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the consumer 's actual damages, and costs and reasonable attorney 's fees.Section 616 provides that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to actual or statutory damages of up to {$1000.00} per violation, such punitive damages as the court allows, and costs and reasonable attorney 's fees.A violation is willful when it is inconsistent with authoritative guidance from a relevant agency.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-18
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. (NY)

I received a notification from XXXX XXXX on XX/XX/2022 that a credit card had been opened in my name at XXXX XXXX XXXX. I have never purchased anything from them either online or in the store. I called XXXX to see what was going on. I asked her to close the account and told her it was fraudulent. She said it " seemed like a fraudulent purchase '' but She also told me that I was responsible for the payments or it will ruin my credit!! I disputed the charges on that day. XXXXXXXX XXXX XXXXXXXX would not tell me where these goods were shipped. She told me the purchase was made online and the credit card was opened online. A week later I received a store credit card from XXXXXXXX XXXX XXXXXXXX in the mail at my house! That means this fraud person knows my home address!! Also on XX/XX/2022 I called Experian and I could not get hold of anyone due to their ridiculous phone prompts. I wasted an hour trying to speak to an actual person. Its almost like they are purposely avoiding speaking to their customers so they cant be held accountable. So I went online to dispute the charges. I also put a total credit hold on ALL my credit. Now fast forward a few weeks and XXXX XXXX XXXX is now claiming that these charges are MY RESPONSIBILITY and refusing to drop the charge. Experian agreed with them and said I am responsible for this $ XXXX credit card! This is questionable business practices. I asked to know HOW they came up with this conclusion, and they could not even tell me. Also I filed a police report with my local police and I can provide the police report upon your request.
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation (GA)

I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OF XXXX XXXX
Consumer complaint received 2023-01-18
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: Jim Bottin Enterprises, Inc (CA)

XXXX XXXX and it's affiliate ABC Fitness solutions fraudulently charged my card XX/XX/XXXX for a membership that was put on hold XX/XX/XXXX and cancelled effective XX/XX/XXXX because XXXX XXXX was negligent in processing my cancellation timely. After several phone calls ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and emails ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and text messages ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I was finally able to speak with XXXX tonight and he is stating that my contract verbiage " If, by reason of death or disability, the person agreeing to receive services is unable to receive all services for which he has contracted, he and his estate shall be relieved from the obligation of making payment for services other than those received prior to death or the onset of disability, and that if he has prepaid any sum for services, so much of such sum as is allocable to services he has not taken shall be promptly refunded to him or his representative. For the purpose of this section, 'disability ' means a condition which precludes the buyer from physically using the facilities and the condition is verified by a physician '' is only referring to a permanent disability ( not a disabling injury that will take months, up to a year to heal ), only referencing when a lump sum is paid and not a month by month membership and that there is still a 30 day notification requirement, regardless of the verbiage about being " relieved from the obligation of making payment for services other than those received prior to death or the onset of disability. '' The cancellation policy that begins on page XXXX of the XXXX XXXX XXXX attachment does not state any such information. Additionally, the contract does not state anything about a hold or freeze period, which XXXX and other gym employees state requires 30 days notice. Furthermore, an XXXX dispute such as this where I revoked authorization XX/XX/XXXX, is now considered unauthorized under both Reg E and Mastercard Zero Liability, thereby the gym also violated Reg E by not providing a resolution within 10 business days of the date of my XX/XX/XXXX email.
Consumer complaint received 2019-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (DE)

My mortgage loan was transferred to " mr cooper '' from XXXX XXXX XXXX. I read on the internet that it was a buyout. I was notified this transfer was occurring on the very day it was scheduled to do so, not 15 days as required by law. No explanation ... Nothing. This was a shock. I have not received my mortgage statement and I am hesitant to pay my mortgage that I should have paid 16 days ago.
Consumer complaint received 2023-01-18
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.