davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-17
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: First Advantage LNS Inc. (TX)

XXXX  is an absolutely outrageous company to deal with. Their customer service is rude and their process is extremely slow. XXXX is the only agency that is reporting such inaccurate information. I've disrupted before and they ignored with an automatic response. I've sent a letter, they claim they didn't get the letters. I've sent a letter to there executives, they go in a put on the file that they are " reinvestigating '' when they never " investigated '' in the first place. 

My letter to them was to serve as a formal notice of my intent to file a complaint with the FTC, due to your disregard of the law. XXXX claimed to have somehow verified the items I requested. Therefore, I legally requested a description of the procedures used to verify the information. 

I was ignored.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (AR)

XXXX i was contacted bu US bank about deposits from Insurance funds that was for the purchase a vehicle, i have been harassed by employees at 2 separate locations about account information as well as had service denied to me due to the color of my skin, i have been forced to fill out internal documents that I had no idea what was the origin of, and several other discriminative incidents that are offensive and unnecessary, this bank has broken several civil rights laws and im going to get representation i have been humiliated publicly in front of other customers and they are going to pay for these malicious acts.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TN)

1. Synchrony Bank is illegally trying to make 2 MC credit cards into general-purpose credit card store cards like Lowes or XXXX XXXX XXXX 
2. Today 's date, XX/XX/2023. I checked my available credit on my Sam 's Club MasterCard. I sent in a payment of {$700.00}, but I only had the available credit of XXXX available on the card when I looked up it online, the XXXX Dollar payment has got there. The available credit was wrong and the available cash was wrong also I called the XXXX number of Synchrony Bank ( Sam Club ) and then they just released the hold with no reason at all. Then my available credit jumped up to {$800.00}. But the available cash stayed the same and I was not given a good reason why there was a hold on my available credit I also paid a bill, and a Synchrony Bank credit card ( Walgreens ) while online the web page asked me to use another checking account to make a payment. both these cards Sam and Walgreens which are under Synchrony Bank are trying to tell me how, when, and when to spend my money. And when I speak to them on the phone, Im not going to pretend to be happy about it.
Consumer complaint received 2023-03-09
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Phoenix Financial Services LLC (VA)

My husband received a phone call today XXXX/XXXX/XXXX that was supposedly from Phoenix financial services. Though the number that called him isn't even a phone number listed anywhere on their websites as a way to contact them. They spoke to him about my personal information regarding supposed debt. They told him I owed a XXXX dollars, but that they would settle for XXXX. They told him they have called me multiple times and they they've been told repeatedly that they have the wrong number. I have not received and calls or any mail about any debt owed to phoenix financial. He spoke to them a second time today and they tried to get more information out of him. When my husband started asking them questions they got flustered and stumbled over their words.
Consumer complaint received 2023-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ) which involved me making deposits for a total amount of XXXX USD from my XXXX XXXXXXXX account to Wells Fargo at the instructions of the scammers.
Consumer complaint received 2023-03-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

Going over my credit in preparation to buy a house I noticed Hyundai Motor Finance has not reported any credit activity on my credit report since XXXX of 2022. I read that it's law that credit needs to be reported timely and accurately within 45 days max. Its been almost 6 months and they have not updated my credit report to reflect accurate payments made or my gross balance that is left on the card. They need to update my credit report immediately.
Consumer complaint received 2023-03-09
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: JPMORGAN CHASE & CO. (TX)

I have contacted JPMCB Auto about reporting my XXXX Chase Auto Acct # XXXX XXXX late. This derrogatory information on my personal consumer report is damaging my credit rating and credit profile with XXXX, XXXX, XXXX and XXXX. 

This is a violation of consumer law 15 USC 16802B. I have never given my permission to JPMCB Auto to report my personal information to a third party ie XXXX, XXXX, XXXX and XXXX. Furthermore I was never given a opportunity to OPT-OUT of this process of reporting my personal transaction history to a third party.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MI)

This happened to me in XXXX : https : XXXX? XXXX XXXX XXXX XXXX  : XXXX I arrived in XXXX for business. My hotel was in the XXXX district. I went out to a normal looking bar that was on the street by myself. I went in to soak up the atmosphere of XXXX and I was wide awake. This is around XXXX. 

I paid for two drinks ( by credit card ). Went to the bathroom. A couple of girls said hello to me. This was not a hostess bar. My drink must have been spiked when I went to the bathroom. I then don't remember the next 5 hours or getting home. I have flash backs of being in a room by myself. My American Express personal and corporate credit cards were charged a total of $ XXXX. I was then sick for the next XXXX days. I reported the matter to the police but the XXXX did not show me leaving and other rooms in the venue, did not have XXXX. The understood what had happened to me but could do little about it. I reported the matter to American Express. They were very helpful and empathic but nothing happened. Eventually ( 30 days later ), American Express Corporate issued a refund for the corporate charges but American Express Personal because I had charged my card for two drinks, claimed that they had my express permission. American Express acknowledged the fees went to a construction company in XXXX and that I had no history to suggest I would spend $ XXXX in alcohol by myself ( or with anyone ). American Express own security protocols were not enacted, which should have happened a transaction for {$2500.00} was made. Furthermore American Express are willingly and knowingly supporting and funding organised crime, terrorism and attempted murder ( by being drugged ). They have open another investigation, but this is just American Express buying time. American Express needs to refund this monies, based on precedent alone that American Express XXXX acknowledge that this is fraud. I am XXXX XXXX XXXX, XXXX XXXX, as a single income family with a XXXX XXXX, that could have lost his life because of American Express policies. My wife has been sick with stress do to this event, resulting in multiple trips to the Dr . I will have to empty savings for my son education to pay for this and my credit score has been ruined from an excellent score of over XXXX to less than XXXX.
Consumer complaint received 2023-03-09
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. (NJ)

Dear Consumer Finance, I am writing to request a correction of the following information on my [ XXXX, TransUnion ] consumer report : An account ( number : XXXX ) with XXXX is currently being reported as delinquent. This account does not belong to me and has not been updated since 2018. I have reached out to the credit bureau to correct this, but this information is still reporting inaccurately for 2 out of the three bureaus.

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 : A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Thank you for your assistance.
Consumer complaint received 2019-02-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Yesterday XX/XX/2019 I was trying to purchase tickets to a concert through XXXX. I had a few back and forth emails with a person who seemed legitimate and was going to sell me his tickets. We agreed on a price and I sent him via XXXX on the wells Fargo app the amount of {$400.00}. I did not receive the tickets. After realizing I've been scammed I decided to call wells Fargo today XX/XX/2019. I spoke to a representative, they told me I could file a claim but not with them, with XXXX, so they transferred me. I spoke to a XXXX representative who told me there was nothing they could do. They suggested I file a police report, which I am going to do tomorrow morning. I also filed a complaint under the internet crimes department. I just feel a bit helpless and banking with Wells Fargo for many years, they are usually more helpful than that. I'm understandably upset.
Consumer complaint received 2019-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc. (FL)

I've contacted Simon Agency Inc regarding the report and they admit that the name is incorrect. However, they are still refusing to remove this false information from my credit. I informed them that I was a victim of identy theft and they are refusing to comply. 

Attached is a copy of the FTC report updating adding them to my fraudulent accounts.
Consumer complaint received 2023-03-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pro Com Services of Illinois, Inc. (IL)

Both communication and no notice.

ProCom Services Springfield, Il. 

This company after being told 5+ times to provide me a letter stating the specific debt and information has denied me every time. 

I told them Im not paying until I get that. 
They told me they can not send me any kind of letter because they had already done so.

The last time I spoke to them, someone said theyd send me a letter, then the next day the debts showed up on my credit report.

The letter I got had my name and address, and its had 3 dates with 3 dollar amount next to them. This is no where near enough information. 

The person on the phone also went on about if I had paid my bills in the first place I wouldnt be in this situation so I should just pay them to get it over with.

Ive also contacted the medical facility this debt is from but they told me due to it being turned into collections they cant provide me any information at all ; no dates, no dollar amount, no visit information, I have to get all of that from collections, which they refuse to provide.

The last time I spoke to the collectors, I t
old them do not contact me until they send me the proper information pertaining to the debt.

They now proceed to call me 3+ times almost daily from different phone numbers because I refuse to answer.
Consumer complaint received 2023-03-09
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: Frontline Asset Strategies, LLC (SC)

My credit score was reduced because of a so-called nonpayment. I specifically told XXXX not to send router or sign me up for their services. ( I have an email that states that ) I appealed 4 times to XXXX which denied my dispute. I contacted them and the collection agency and XXXX to no avail. My credit rating has always been XXXX before this incident.
Consumer complaint received 2019-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CT)

Midland funding has 2 fraudulent collection accounts on my credit report. One for {$740.00} and one for {$590.00}. They report as delinquent derogatory accounts on my credit report every month. They update as negative accounts every month against me. I have filed several disputes with the credit bureaus for the last 3 years and they have not taken any action. These are fraudulent accounts that I do not owe and that are not mine. They haven't proved or provided any agreements or contracts signed by me. They just ignore my disputes and keep on ruining my credit profile every month
Consumer complaint received 2023-03-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NETWORK CAPITAL FUNDING CORP (CA)

In 2018 there was an application submitted to network capital that I did not authorize I advised XXXX XXXX XXXX XXXX XXXX that I did not want to proceed with the mortgage application 3 times I advised him. And when I tried to go to the office and speak with someone I was told he no longer works there. No one would listen to my complaint. without my consent XXXX XXXX was added to my property title without my consent I never received any money from this contract or agreed to pay the increased amount as I am on social security and can't afford to lose my house I am a XXXX citizen.
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC (TX)

You are in violation of Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) as well as Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulatory protections to consumers, as you are collecting on a debt that is invalid/fraud, used abusive and harassing collection tactics during a phone interaction, and incorrectly reporting a collection account that I have no knowledge of due to it being invalid/fraud as well as never having permission to use my personal private nonpublic information to open said account. 
I noticed on my credit report that you are incorrectly reporting a delinquent account with the original creditor for XXXX XXXX. Concerned I contact you all via phone on XX/XX/2023, I was informed through abusive/harassment tactics by a representative that I was delinquent for a light bill in the amount of {$1400.00}. I requested for the service address and was given XXXX XXXX XXXX XXXX, TX XXXX. I advised this is fraud as I have lived at my current address since XX/XX/2023. I have never lived in or even visited XXXX Texas. The representative requested my current address so I could obtain a current bill and file a police report. Not feeling comfortable I advised I would not give this information. Through out this interaction he continued to intimate and coerce me into giving current information. 
I highly encourage you all to listen to the call interaction that I am most certain was recorded because the representative is your company and you all have attempted to collect a debt that is unfair, fraudulent, and false. Transworld System Inc has used abusive tactics to intimidate, coerce, and force me to give a current address to send a bill so I could file a police report for fraud. The representative made a comment of How will I file a police report if I didnt have a statement. This statement is a form of coercion, intimidation and constitutes abusive acts/practices. He wanted me to give current information and made this statement to mislead, tricked, coerced, and intimidated into giving my current address by continuously requesting current information. 
You are also violating FCRA as Transworld System Inc is furnishing/reporting incorrect and false information to my consumer reporting agencies. I demand an investigation of this dispute regarding this information that is being furnished to my tradeline and notify me of your findings. Transworld System IncXXXX XXXX did not have my permission to open this account in my name with my personal private nonpublic information to include my date of birth and social security number. 
You are also in violation of the XXXX regulatory protections as your incorrect/false/fraudulent reporting on this account has caused financial harm to my credit tradeline by impeding me in obtain favorable credit reporting and credit approval with other creditors. This negative reporting has significantly dropped my credit report and I demand it be immediately removed.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (DE)

My complaint is in receiving a stated bonus for opening a checking account. After completing all the requirements a bonus of XXXX should have been paid on XX/XX/XXXX. After a Number of calls and speaking to a number of representatives in many departments and always getting a different story leaves me no choice but to file a complaint. Could this offer be a scam? My offer number is XXXX, and the account was opened in XXXX XXXX.
Consumer complaint received 2023-03-09
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: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Collection account does not belong to me. I was frauded. It was reported on my credit reports and it is completely wrong!

This notice is to inform you that you have broken the law. You unlawfully report unauthorised accounts on my consumer report that have violated my federally protected rights to privacy

and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681b, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offences amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 1028A. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g.
Consumer complaint received 2023-03-09
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. (IA)

In Accordance with the Fair Credit Reporting act, XXXX XXXX  XXXX XXXX MI XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 


In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 Section 602 A. STATES I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-09
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. (PA)

This is my follow-up complaint to inform you that I am a victim of identity theft. The items I am disputing today have no connection nor affiliation with me and my transactions. 

Please remove the listed items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XX/XX/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