davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (NE)

When went to open a new business account found out about charge off at US Bank. The amount shown was 3 times higher than what was charged off as they took money out of another account before charging off account. Now they said could be week before shows corrected after it's paid in full today.
Consumer complaint received 2024-11-06
Product: Credit 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: U.S. BANCORP (CA)

I received an offer along with my new credit card for a FREE XXXX membership at XXXX. I signed up, and was charged {$64.00}. US Bank and XXXX both refused to reverse this charge. In addition, US Bank told me that I was not able to dispute this charge. Doesn't the U.S. FEDERAL LAW protect my right not to be scammed by a credit card company 's phony offers?
Consumer complaint received 2024-11-09
Product: Credit 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: FIRST NATIONAL BANK OF OMAHA (MN)

See attached appliance repair plan by XXXX. I have the right to cancel anytime. I signed up for XXXX on XXXX. My refrigerator broke down and I called XXXX to repair. XXXX refused to come out and look at it repair it. I did not get what I paid for. See plan. With my plan I get a technician to diagnose and repair my refrigerator or any kitchen appliance. I paid XXXX for the month of XXXXXXXX XXXX and paid again in XXXX. When XXXX refused to repair my refrigerator I cancelled the plan. The terms of the contract state I get a refund of any unused premiums. No refund was given. XXXX kept the money for a period when my plan was cancelled. In otherwords XXXX received money for nothing. This is fraud.
Consumer complaint received 2024-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year> while opening up my mail, i saw a mail from XXXX notifying me that my personal information was stolen in a data critical vulnerability. the information involved my social security number, date of birth and financial account number. It also provided me with credit monitoring with credit XXXX work for one year. Since i was a victim of identity theft in the past, and happened to have an XXXX account, l got my new set of credit report that gave me the shock of my life and i found out that I was a victim of identity theft once more. Apparently, these criminals somehow found my personal information and used it to get a credit card from Wells Fargo Bank. If i did not get my report today, i would know nothing about this at all. Please note I did not make these charges on this account, and I did not get any benefit from it. Therefore, I would like for this account to be closed and removed from my credit file ASAP. Please help me to resolve this stressful situation.
Consumer complaint received 2024-11-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (CA)

While reviewing my credit report on XXXX report # XXXX I noticed an account which populated to my credit file which is currently reporting an incorrect address and name on my credit file. When i contacted ALLIED COLLECTION SERVICE and spoke to XXXX on XX/XX/year>, I was informed that my identity could not be found. Through further investigation of providing my last name and current address XXXX informed me that the account was attached to a different individual which had mix file information. XXXX informed me she had removed my social security number from the account which would remove the information from my credit file. XXXX also informed me that she could visibly see the dispute that was received from XXXX and could not process the dispute until after 60 days. XXXX informed me that there was not a confirmation for the call but was to ensure that the information was updated and removed off my credit file immediately. I am still showing this account for ALLIED COLLECTION SERVIC/ XXXX on partial account # XXXX. I have filed a FTC report informing the FTC that my identity has been compromised and that this account has been open fraudulently with my social security number. Please review and verify that this account does not belong to XXXX XXXX.
Consumer complaint received 2022-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates sent me a letter stating that I owe them money for an old unrecognized credit card debt that I disputed as not mine, or no knowledge of this debt. 
I have an open unresolved dispute with XXXX and I noticed that this Portfolio Recovery Associates flagged my credit reports as " Collections '' on two separate occasions right after I opened this dispute with XXXX for this alleged account. 
My dispute is currently still open as to verify the accuracy of the data and ownership of this alleged debt. This company continues to damage my credit score even while there's an open dispute that has not been resolved as of today XXXX. 
My dispute with XXXX was opened on XXXX Portfolio Recovery Associates Flagged this disputed account on my credit report as " Collections '' on XXXX and on XXXX. ( I attached a copy of my XXXX alerts to show the above mention actions done by Portfolio Recovery Associates.
Consumer complaint received 2022-02-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

From the XX/XX/XXXX until XX/XX/XXXX, I've been trying to clear up the following accounts in my name that I did not give authorization to create accounts in my name or use my personal information. I provided the information of who the unauthorized person was and still the credit XXXX credit bureau and even told them I could provide a police report if need by. However, they have not remove any of the items off my credit report and it severely damaging my credit or my ability to finance anything. 
this are the company I'm having issues with : XXXX ). XXXX- {$250.00} XXXX ). XXXX {$1600.00} XXXX ) .XXXX XXXXXXXX {$6300.00}
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

My rights are been violated by credit bureau they are reporting inaccurate information violating my rights to privacy also they are furnishing accounts without any permission after I told them that this was fraudulent activity I have attached my identity theft form on the bottom please help me remove these immediately thank you so so much Ally finance XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX, I spoke with a fraud specialist from Experian, I explained my case that I was a victim of identity theft, who fraudulently opened accounts in my name at XXXX and other accounts. I mentioned that I contacted the XXXX XXXX and was told XXXX that the account in question was fully in good standing. That call was in XX/XX/XXXX but I mentioned that I was the account holder and it was never applied. with them and I did not have a XXXX XXXX, they simply transferred me to another XXXX department and after waiting more than XXXX minutes XXXX cut me off/ the Experian representative mentioned that they had already done their job and filed a complaint against XXXX and told them the account was mine and I couldn't remove it from my Experian credit report, that's when I told them that whoever helped me had sent them the copy of the identity theft police report the copy of the CFPB XXXX XXXX / XX/XX/XXXX the Experian company does not want to help me by opening another investigation either and I sent them the required documentation such as the police report. My problem started when I bought a house located at XXXX XXXX XXXX, XXXX, CA XXXX. I never lived at this address, as soon as I bought it I put it up for rent starting XX/XX/XXXX. I don't know when someone used my name to open an account credit card accounts, loans in almost all banks but I never ever went in person or online signed anything please I ask you that this has to stop these criminals used my identity it all started when I bought the house in the city of riverside I bought that house only as an investment I have never lived there
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NM)

Credit acceptance corporation has been negatively reporting on my credit report missing payments for a repossessed car. They have been reporting missed payments on my credit report since XXXX. The car was repossessed in XXXX  and they sold it at an auction 30 days later. The company originally sent me a letter stating the difference of approximately {$3000.00}. The outstanding balance on my credit report is currently showing over {$11000.00}. The original price of the vehicle with financing in XXXX  was only {$15000.00}. This is severely hurting my credit and I am trying to get it rectified.
Consumer complaint received 2024-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I C SYSTEM ( Original Creditor : XXXX XXXX XXXX  ) XXXX Collection {$1200.00} I C SYSTEM ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$310.00} XXXX XXXX XXXX XXXX Charge-off XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Helvey & Associates, Inc., Warsaw, IN Branch (IN)

Please see attached Documents XXXX XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Apartment Account opened at XXXX XXXX reporting XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, an XXXX account under Helvey & Associates account number XXXX opened XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX federal trade commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are result of identity theft and fraud.
Consumer complaint received 2024-08-19
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. (NJ)

The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am filing this complaint against credit bureaus due to their repeated failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the proper channels, the credit bureau has not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these multiple submissions, credit bureaus has not provided any response, confirmation of investigation, or correction of the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within XXXX  days.
Consumer complaint received 2024-11-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (AZ)

On XXXX XXXX  I was sent {$550.00} USD from XXXX XXXX XXXX XXXX XXXX from her cell phone XXXX XXXX to my cell phone XXXX XXXXXXXX. At the time of the transfer, only my email address was enrolled to receive funds from XXXX. At the time of the transfer, I received a text message from XXXX ', which I have attached, indicating I have received funds. Therefore, I followed the link in the text message to accept funds and enroll my phone number ... which I did. It's now been XXXX calendar days since the transfer was made and I still do NOT have my money. I have confirmed with the sender, XXXX XXXX XXXX, that her XXXXXXXX XXXX account has- {$550.00}. Furthermore, she opened up a case with XXXXXXXX XXXX and their position is the funds have been removed and the transaction is complete ( can not cancel ). On the flip side, I have confirmed with Wells Fargo that they have NOT received funds, nor are they in a " pending '' status. After my third attempt to confirm status with my bank, Wells Fargo, I opened up a case with XXXX XXXX in the Exec Relations Escalations Dept and have attached his last communication. Basically, XXXX is claiming that XXXX XXXX has to check status ... which we already have done. All in all, XXXX XXXX wants us to contact Wells Fargo and Wells Fargo wants us to contact XXXXXXXX XXXX This game of cat and mouse is getting really old and I'm positive XXXX of these financial institutions has broken a law or XXXX regarding XXXX 's.
Consumer complaint received 2024-11-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Company name credit acceptance corp Amount XXXX I reached out this company to provide debt validation they never sent any documentation they sold the car and wrote off the debt and still changing me full price for the debt with no validation, this debt was cause due to the pandemic in XXXX
Consumer complaint received 2024-08-19
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. (GA)

I'm setting up to bestow my apprehension concerning the tested accounts on my credit report. On different occasions, I have raised the issue of misunderstandings in these records, and have constantly referred to that they be by and large broke down. Despite my endeavors, I before long evidently can't get any goal or mending activity. These off-base records are truly harming my credit report and discouraging my capacity to go on with a typical life. The hostile consequences of these missteps have caused enormous difficulties for me, and I'm left with no decision beside to fight for your help with checking on what's happening at the earliest entryway. I mindfully demand that you direct an exhaustive evaluation concerning the essential of these tested records. It is fundamental that the crucial advances are taken to empower and change my credit report right away. With your assistance, I need to reestablish the accuracy and conventionality of my credit record so I could recover command over my monetary flourishing. I truly encourage you to offer this matter your generally ridiculous idea and make an expedient move. Your organized exertion and moving in settling this issue quickly would be hugely significant. Grateful to you right off the bat for your comprehension and help.