davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by Federal Law to verify, through the physical verification of the original signed consumer contract, any and all accounts posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I recently discovered an erroneous collection account on my credit file from a collection agency named XXXX XXXX XXXX. I have no knowledge of this debt. I have no idea what this is, nor what they claim I owe the money for. I have sent the 3 Credit Bureaus validation letters, two times. Both letters requested verifiable PROOF of this alleged debt. Both letters merely claimed the debt was verified but I received no verifiable PROOF from any of the 3 bureaus that this was my debt. A clear violation of the FCRA. Approximately 30 days ago I sent a letter asking for valid proof to the reporting collection company, XXXX XXXX XXXX. To date my letter has been ignored and their fraudulent collection practices continue, also a clear violation of the FCRA. 

The failure to comply and positively verify this account has violated my consumer and civil rights and has damaged my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of verifiable proof, the account must be removed immediately. My demand is the immediate and permanent removal of these erroneous accounts from all three credit bureaus. If this is not accomplished immediately, I am prepared to protect my legal rights under the Fair Credit Reporting Act by retaining a consumer protection Attorney.
Consumer complaint received 2019-01-09
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: SYNCHRONY FINANCIAL (MN)

I had HARD INQUIRIES on my credit report from SYNCB which isnt valid. Ive been given the run around in regards to getting these removed. No one has taken ownership! Someone has been trying to get credit in my name. I was told via research online that people are running Care Credit scams online via XXXX, XXXX, and XXXX. 

These are the dates that my credit was run for HARD INQUIRIES : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-01-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

Disputed with company on XX/XX/XXXX. The company received my written disputes on XX/XX/XXXX according to certified mail receipts. It is now XX/XX/XXXX and I have to receive requested verifiable proof. Under the FCRA 15 U.S.C. 1681i, it is my right to have all unverified accounts promptly deleted. The company has yet to provide me with a copy of the verifiable proof even though I have requested this proof multiple times from them. According to the Fair Credit Reporting Act, 15 U.S.C. 1681g, Upon request the company is required to disclose to me all of the documents that are recorded and retained in my file at the time of this request concerning the accounts that are reporting in my credit report.
Consumer complaint received 2019-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX called about inquiries that were never authorized by me. Was told that they were matter of fact and the creditors had to remove them. Called creditors and was informed that the specific credit bureau would have to remove them. Submitted proper documentation that it was in fact not authorized by me to said bureau. 
XX/XX/XXXX called to follow up was told no record of reports and documentation was on file and that inquires was matter of fact by creditors and I wouldnt be able to be helped until I resubmit documentation.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/2023 I wrote a check ( out of my XXXXXXXX XXXX account ) to pay my charge card bill to XXXX XXXX for {$1900.00}. On or about XX/XX/2023 I noticed the bill did not show a payment, so I checked my online checking account and noticed the check was cashed, but the payee was changed to a XXXX XXXX XXXX. I then filed a fraud claim with XXXX XXXX, who said I would receive a pending deposit back into my account, within ten days, until fraud department investigated. Once I was found not responsible for the fraud, my pending deposit, would be made good. After many attempts on my part to rectify the situation, I was told on XX/XX/2023 that Bank of America cashed the check on XX/XX/2023, so they are responsible to make good on the check. I was then told XXXX XXXXXXXX gave Bank of America 30 days to reply. As of this date ( XX/XX/2023 ) Bank of America has not contacted XXXX XXXX as to their position in this matter, they keep putting off a request XXXX XXXX sends every 30 days. Not only have I not received a pending deposit from XXXX XXXX, Iam put off every time I check on the status every 30 days. Local police also said they can do nothing at this point.
Consumer complaint received 2019-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AR)

In the months of XXXX, XXXX, XXXX, and XX/XX/2018 I have continuously been in contact with Equifax and XXXX Consumer reporting agencies regarding two accounts ( XXXX XXXX & XXXX XXXX ) that still remain on my credit report which were established due to identity theft without my knowledge or consent. XXXX XXXX account has since been removed an blocked from XXXX Credit Report. XXXX XXXX also has been removed and blocked from my XXXX Credit Report. I've sent both Equifax and XXXX  Consumer reporting agencies several letters and correspondence supporting my claim but have yet been able to resolve this issue. This violation of the Fair Credit Reporting Act ( 605 ) ( 609 ) ( 611 ) is negatively affecting my financial ability to make necessary purchases to provide for myself and family. I expect Equifax and XXXX  to adhere to the Fair Credit Reporting Act by immediately removing these accounts from my credit report.
Consumer complaint received 2023-07-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KS)

Subject : Complaint Against Experian for FCRA Violation - Report Number : XXXX Dear Consumer Financial Protection Bureau , I am writing to lodge a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ). Report Number : XXXX was closed on XX/XX/23, yet it has remained in the dispute process since XX/XX/23, exceeding the promised 30-day resolution period. 

On XX/XX/23, I initiated a dispute with Experian by directly calling their dispute specialist. We discussed various incorrect and fraudulent items on my credit report. The specialist assured me that the matter would be resolved within 30 days or removed, as required by FCRA Law. 

I submitted supporting documentation for the disputed items during the following weeks. However, on XX/XX/23, only the disputed addresses were closed and updated - Report Number XXXX. The account related to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. ) remained open without any dispute results until XX/XX/23. 

Experian 's failure to handle this dispute within the promised timeframe and its inaccurate reporting stand in violation of FCRA Law. I urgently request the CFPB to hold Experian accountable for their actions and have this inaccurate account removed from my credit report immediately. 

Enclosed with this complaint, please find relevant documentation, including records of my dispute initiation, communication with Experian 's specialist, and the subsequent updates. 

Thank you for your attention to this matter. I anticipate your swift action in resolving this dispute and upholding the integrity of the FCRA.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (LA)

American Express National Bank closed my account and did not return my funds. I called on XX/XX/XXXX when I was unable to transfer funds. They informed me that the bank had decided to close my account on XX/XX/XXXX. I made 3 successful deposits into the account ; XX/XX/XXXX for {$4000.00}, XX/XX/XXXX for {$20000.00}, and XX/XX/XXXX for {$50000.00}. The account had been open since XX/XX/XXXX. When I asked how I would be able to recover my funds, they informed me they would not send me my funds and that I would have to contact the originating bank to have the funds reversed.
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (ND)

On XX/XX/2018, I applied for an American Express Gold Card using a referral link that I had received. During the application process, it was stated I would receive XXXX points after spending XXXX in the first three months. It was also stated that I would receive 20 % cash back ( up to {$100.00} ) as a statement credit on dining purchases for the first 3 months. Upon, not seeing these bonuses come through, I contacted American Express. They stated I was ineligible due to previous history. I had not previously applied for this card, and met everything that they had outlined to receive the bonus. I also did not receive any message that i was ineligible when submitting my application for this card. The card carries a {$250.00} annual fee, which has also been paid. I feel that the company should pay the bonus that was offered. 

I opened a complaint on XX/XX/XXXX which they provided the response : " The terms of the promotion, which were provided during the application process, explain that the welcome bonus offer is not available to applicants who have or have had the product. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. In accordance with these terms we determined that, regrettably, you are not eligible for the welcome bonus. " As stated above, I have not previously had this card. I had also only had 3 American Express cards opened in the previous 2 years, so I do not feel that was excessive. When they state " as well as other factors in making a decision '', this language is vague and allows them to not provide a bonus in any scenario.
Consumer complaint received 2023-07-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (MN)

This is for past due rent. 
Around a year ago, I had raised questions about why I owed XXXX $ ( there or about ) when the original amount was XXXX $ ( there or about ). 
When questioned they sent me a receipt of any damages, past due rent etc, which also included a pick up collection fee of XXXX $ ( there or about ). I found the CFPB website, and upon contacting Rentdebt automated solutions on XX/XX/2023, I was told the agent could not help me since I lived in Minnesota. So I attempted again XX/XX/2023, and when I questioned the representative about the CFPB website, I was informed that I should not be googling things, like how a when you go to doctor and you start googling things about what the doctor said. I had informed her, this was an official government website, I was informed the website was wrong Since we are collection agency we can charge a pick up collection fee, since it is for rent/property. 
I havent signed anything stating, a fee could be added/interest could be added. The representative told me the only 2 solutions are make a settlement amount, and or pay monthly/bi weekly/weekly
Consumer complaint received 2023-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

i woke up XXXX morning and saw my credit drop so i check and see a random collection for XXXX $ to XXXX XXXX. i dont even pay rent or anything like that so i was confused. i USE to live at XXXX XXXX XXXX 3 years ago. i have proof i HAVENT lived there no time recently and whoever does was using my name for fraud and let the debt collect.. i have put doccuments below to show that i havent been associated with that address for a long time.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was stunned to find incorrect accounts on my credit report this afternoon, and I cant understand how this happened. I regularly monitor my report, but suddenly, there were inaccuracies Id never seen before. I even tried refreshing the page, hoping it was a temporary glitch, but they remained. Id appreciate it if the documents I provided were reviewed thoroughly, as this situation has left me very uneasy.
Consumer complaint received 2023-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

Supposedly there was an account that was opened XX/XX/XXXX under XXXX XXXX for XXXX acct # XXXX. Then there was a charge off done on XX/XX/XXXX in the amount of {$5300.00}. 
Then back on XXXX XXXX, XXXX there was a Judgment for {$5300.00} with court costs & attorney fees of {$120.00} for a total of {$5500.00}. 

Then on XX/XX/XXXX of XXXX that the company XXXX XXXX took my husbands severance pay in the amount of {$6100.00}. 

Now almost 10 years later XXXX XXXX is coming back again for the amount of {$5300.00} which now they want to Garnish my paycheck. Ive have never heard from them in all the years that Ive lived at the same address and have never moved. If they wanted this money so bad, why havent I heard from them until now My husband and I are living paycheck to paycheck and have more up to date bills that are more important than this bill!
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

I booked a flight via chase travel with XXXX XXXX XXXX, the flight was canceled the day of the flight by XXXX XXXX  on XX/XX/2023. 

After waiting 10 days I did not get a refund and had to call chase to request a refund they informed me it would take an additional 10 days. 

Its high deceptive to require customers to call to request refunds for products/services they failed to deliver. It is unacceptable for a consumer to have to wait 20+ days to get refund.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2023-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

Subject : Urgent Complaint : Unauthorized XXXX Transaction and Refund Denial by Wells Fargo My online banking account at Wells Fargo was compromised, resulting in unauthorized XXXX transactions. 
Despite notifying Wells Fargo immediately, my refund request for the stolen funds was denied. 
The stolen money is vital for covering hospital bills and college tuition fees. 
I urge the Consumer Financial Protection Bureau to intervene and ensure a fair resolution. 
These funds were earned through hard work and are essential for my financial stability. 
Wells Fargo 's denial is causing significant financial distress and hardship. 
Immediate action is needed to hold Wells Fargo accountable and secure a rightful refund. 
Please investigate the matter promptly to protect consumers from similar occurrences. 
Your assistance in rectifying this matter is greatly appreciated. 
Looking forward to a swift resolution to regain the stolen funds.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2020-04-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC (CA)

A person named XXXX is calling me from XXXX XXXX  regarding a transaction i authorized. He calls me and started calling my coworkers with the same message he calls from the number XXXX XXXX XXXX. The message says that there will be consequences if i don't call back!