davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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 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  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-18
Product: Credit reporting 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-18
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: Experian Information Solutions Inc. (MD)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I set up a pay agreement w/Portfolio Recovery Associates, LLC XX/XX/XXXX, ( collecting for XXXX XXXX XXXX  XXXX, XXXX ) Account number ending in XXXX. Portfolio acquired the acct XX/XX/XXXX. Anyway, pay agreement was : 12 pymnts of $ XXXX biweekly to withdraw from my checking account on a Wednesday or Thursday. Due to I get paid at a specific time of the day. Total {$240.00}.

PRA ( Portfolio Recovery, LLC ) stayed committed to the agreement until the very last payment. I contacted PRA between XXXX to request to submit my last pymnt a different way because I had changed bank accounts. I was informed then that the last pymnt request had already been submitted. My response was, Why would you guys do that, when its set up to withdraw after my payroll check direct deposits anyway? Regardless, if I did change banks? 

Thats when I checked my account to see they attempted on XX/XX/XXXX, I received a return check charge {$35.00} ... XX/XX/XXXX, then my pay agreement was cancelled XX/XX/XXXX. Not to mention PRA shows the last pymnt was XX/XX/XXXX, per my XXXX XXXX XXXX checking shows XX/XX/XXXX. 

I contacted PRA again to see a balance as if they had NOT received a dime from me. They responded as if I wanted to set up a new agreement. First of all, I never OWED a debt of any kind to Portfolio Recovery, LLC. Why would I set another agreement with them after the stunt they pulled? Like, people dont have lives and want to give money to collection agencies? Be serious. Under no circumstances will they receive anything from me. 

They have the audacity to CHANGE their payment plans since and have fair and affordable flexible plans on their website. Theyre affordable, but fair to whom? Their own pockets? 

I do not care what acct they acquired with my name, I never owed PRA, I will not pay any balance they decided to attach to my name. So they need to pass the acct right back to XXXX XXXX. Do not call me or notify me of any balance in writing. I submitted a Cease & Desist letter a long time ago, prior to the agreement. They also need to remove any tradline they have from all 3 credit bureaus, XXXX XXXX  and XXXX.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, XXXX and Trans Union desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX
Consumer complaint received 2021-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (CA)

I transferred my account from Robinhood to XXXX 13 days ago. There TOS states it will be completed in 5-7 trading days. They deactivated my account without my consent and are holding {$1600.00} that they refuse to transfer to my bank or XXXX. They have no phone number and i have emailed them multiple times daily but never receive a response besides an automated we'll get back to you in 1-3 business days.
Consumer complaint received 2021-02-12
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. (LA)

PLEASE DO NOT MARK AS DUPLICATE, I HAVE VERIFICATION. XXXX XXXX should be listed as paid in full for less than the full balance. My account should reflect a XXXX  balance.
Consumer complaint received 2019-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TN)

Issue : Setting up recurring payments with Caliber Home Loans I closed on my new home on XX/XX/2019. XXXX XXXX transferred my loan to Caliber Home Loans. Every month, I have tried to set up recurring payments via the company 's website but every month I receive an error message that I can't set up my recurring payment until next month. 

I called Caliber 's customer service today ( XX/XX/XXXX ) to ask how to set up recurring payments. They told me I would need to wait until my next manual payment is processed ( XX/XX/XXXX ) and I'll then be able to set up the recurring payment anytime from XXXX XXXX XX/XX/XXXX. 

My complaints are as follows : 1 ) I should be able to set up automatic payments at any point in time in order to avoid missing a payment on my mortgage. 
2 ) If Caliber is to keep this " window of opportunity '' there should be a notification of the window of opportunity on the company 's website when I go to arrange recurring payments. Otherwise, only seeing that I can sign up " next month '' makes it look like the company is trying to make me miss my next payment. 

I am trying to meet my obligation and should be able to do so easily. Caliber is not making it easy to meet my obligation.
Consumer complaint received 2019-06-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (CA)

On XX/XX/2019 I leased a car from XXXX XXXX of XXXX ( XXXX ) ( XXXX ) XXXX, my salesman is called XXXX. I advised XXXX I would be moving to XXXX. He said no problem and I was approved by Mercedes Benz Financial Service ( MBFS ). I arrived in XXXX XXXX, XXXX on XX/XX/2019 and made an appointment with XXXX DMV. I was denied getting my registration. XXXX DMV advised I needed Power of Attorney ( POA ) from XXXX, an Odometer reading, and the title. I called XXXX & they advised me their Title Dept. lost my paperwork. 2 days later I got a ton of paperwork from XXXX with stickers that read " Sign Here '' and return to XXXX and they will send to XXXX DMV. I later went back to XXXX DMV who advised the paperwork sent to the from XXXX did not any signatures except for mine. No one from XXXX called me back the rest of XXXX. In XXXX, I was advised all paperwork was again sent from XXXX to XXXX DMA. On JXX/XX/2019, XXXX DMV advised the lessor had changed from MBFS to XXXX XXXX and they still haven't obtained a title or odometer reading. I have been calling non-stop to the dealer as XXXX DMV advised my car can not be driven until this is rectified. No one from Mercedes has fixed this issue and are now saying it will take 6 months or more to obtain the title. Thus, I can not register my car. I paid to have the car registered in XXXX, XXXX re-registered my car XXXX in XXXX  and not I have to start the entire process over. They are in breech of contract as they sold me a car with the notion I'd be registering the car in XXXX, but they can not provide significant documentation to allow me to drive the car. The intention on buying the car is to drive it. However Mercedes Benz can not  give me the documents I need nor did anyone tell me it would take 6 months to register the car in XXXX. Further, I ca n't drive the car if they have lost the title. I have been taking an XXXX to and from work due to their inability to prove originally stated paperwork to sell / lease the car to be based on the lease agreement.
Consumer complaint received 2019-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WINN LAW GROUP, APC (CA)

I received {$1100.00} reimbursement check from Winn Law Firm sometimes in Mid XX/XX/2019. This is not the full amount. The full amount is {$1200.00}. It's {$120.00} less. 

According to the Winn Law Group, the {$120.00} was used to pay itself under legal fee service. In other words, they stole my money, and then they charged me {$120.00} for stealing it. This is outrages. You have nerve. 

I don't care how you spent it. You took my money. You have to return it in full. Period. 

We are not done here. 

Give me back my money, now.
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (IL)

OnThursdayXX/XX/XXXXIwenttothemobileapptomakemypaymentof{$450.00}.Ienteredthepaymentamountandsetupthepayment.OnSaturdayXX/XX/XXXXIreceivedanemailstatingthatIwasnearingmycreditlimitfromthealertthatIhadsetup.Iloggedintomyaccounttoseewhattheissuewas,andrealizedFirstBankcardhadloweredmycreditlimitalmost{$9000.00}foralatepayment,thatwasstillclearlyshowingaspending.IcalledcustomerserviceforthefirsttimeatXXXXonSaturdaymorningandwasinformedthatmycreditlimitwasloweredbya"routinecreditauditthatshowedmyrevolvingbalancesonmyaccountsastoohigh.Mycreditlimitwentfrom{$30000.00}downto{$21000.00},andwillnowhaveanegativeimpactonmycreditscore.Iaskedtospeaktoasupervisorandwastoldthatnoneareavailableandtheywouldsendamessageforonetocallback.IreceivedacallbackatXXXXSaturdayXX/XX/XXXXfromXXXXXXXXID#XXXXwhocouldnothelpme.IaskedtospeaktosomeonehigherandwastransferredtoXXXXXXXXID#XXXXwhodidinfactrevealthatthelatepaymentdidinfacttriggerthecreditreviewthusloweringmycreditlimit.Ihavehadthisaccountforover9years,haveneverhadalatepayment,andhaveroutinelyreceivedcreditlimitincreasesovertheyears.ThelastincreasewasinXXXXofXXXX.TherehavebeennochangestomycreditbureaufromXXXXwhenmylimitwasincreasedtoSaturdayXX/XX/XXXXwhenmycreditlimitwaslowered.Thisishavinganegativeimpactonmycreditscoreduetoahighercreditutilizationratio.XXXXXXXXinformedmetherewasnothingshecoulddoaboutit.ShedidverifythefactthatmycreditlimitwasincreasedinXX/XX/XXXXanddidnothaveavalidanswerofwhytheamountwaslowered.Ihavemadepaymentsthroughthemobileappbeforewithoutanyissues.MypaymentshouldhavepostedatthelatestonFridayXX/XX/XXXX.Ifeelthisisimpropertreatmenttoalongtermcustomer.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX, Experian andXXXX report this account as 60 Open/Late - XX/XX/XXXX and XX/XX/XXXX which doesn't make any sense..How can an account be 60 days late in just on month? Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX Equifax, XXXX   andXXXX  report this account as 60 Open/Late - XX/XX/XXXX and XX/XX/XXXX which doesn't make any sense..How can an account be 60 days late in just on month? Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I have several issues with Synchrony Bank, They have closed and reduced several of my cards. I have never been late on any of my cards where is would require them to close my account I have always had a good standing with them. 
They have closed the following accounts SYNCB/STEIN MART DC and reduced a {$7000.00} balance to {$2000.00} and closed ( XX/XX/XXXX ) with me owing {$1900.00} in which this account has always been in good standing. Never a late payment Opened this account up in XX/XX/XXXX. They said that closed this because I had two NSF returns in a 12 month time but told me if I didn't have auto draft set up and just didn't make the payment I would be fine. Doesn't make sense as long as I make the payment and not late. 

SYNCB/Belk closed XX/XX/XXXX never been late ... Limit was {$2000.00} reduced to {$1000.00} I paid as agreed never been late ... was open in XX/XX/XXXX SYNCB/CARE CREDIT reduced my limit from {$2500.00} to {$500.00}. I had never been late. I felt violated and closed this account myself. I opened this account XXXX XXXX closed on XX/XX/XXXX SYNCB/TJX CO DC had a {$2000.00} limit never been late they closed this account on XX/XX/XXXX This account was opened in XXXX closed by SYNCB on XX/XX/XXXX SYNCB/JCPenny closed for no reason never been late. 


All the closing and reducing limits has been injurious to my credit profile. It's totally unfair to the consumer when he upholds his end of the bargain and you have a computer generated script that controls the consumers limits and closes his/her account this should a be against the law and fair credit practices. That software should be banned or rewritten. 

I have attached what my credit report looks like for each account ... all were in good standing
Consumer complaint received 2023-07-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA (FL)

1. Marcus has not complied with all rules and regulations cited in 15 USC 1693f ; 12 CFR 205.11.

2.Marcus failed to secure my funds and allowed an unauthorized withdrawal of {$230000.00} I am uploading the investigation by the XXXX XXXX XXXX Florida Sheriffs Department validating that your inept, simplified, negligent investigation was no more than a sham. The detailed and more thorough investigation by the Sherriffs major crimes, cyber-crimes, Attorney Generals Office, and Secret Service negate the intensity of your investigation. 
Knowing the lawful facts, we can not conclude Marcus conducted an adequate investigation. Unauthorized withdrawals were conducted by unauthorized users. Marcus did not attempt to limit the amount of the withdrawals. With each of these transactions exceeding the {$10000.00} daily aggregate amount, no Suspicious Activity Report was filed. No communication to this account holder was ever initiated. U.S. law enforcement provides banks with access to resources and tools that can be used to strengthen Bank Secrecy Act ( BSA ) /Anti-Money Laundering ( AML ) risk management programs. 
My funds were removed from Marcus without any recognition of the portent of these stolen funds. You are responsible for this loss. 
1. I would like to see documentation on the extent of the investigation on which you based your findings. It was your duty to offer to share the documents you relied on rather than just a transaction sheet. It is a violation to not produce these documents. Again, the attached investigation by government authorities validates that I did not authorize or conduct these transfers. 
2. Why doesnt every substantial withdrawal trigger a fraud concern?

3. It is also my understanding that if Marcus fails to conduct a reasonable investigation or comes to a completely unreasonable conclusion with the evidence they have, I may have a claim against the bank for violations of the Electronic Funds Transfers Act ( EFTA ). Such a claim entitles the consumer to three times their lost damages plus attorney fees.