davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
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)

I am writing to formally dispute inaccurate information on my credit report. The following items are incorrect and are having a negative impact on my credit score : ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

ACCOUNT NAME : XXXX ACCOUNT XXXX : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$8900.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor confirming that this debt collector owns the debt and has the legal authority to collect it, or please remove this account. 

ACCOUNT NAME : XXXX XXXX XXXX. 
ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$120000.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$81000.00} Reason : Ive never had any agreement with this debt collector. Im struggling and need clarityplease provide proof from the original creditor that they own this debt, or kindly remove this account. Thank you for understanding. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$55000.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$510000.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} Reason : I have no agreement with this debt collector. Please provide proof from the original creditor that they own the debt, or remove this account.
Consumer complaint received 2021-09-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America locked my account and closed it without notice. The problem is that I was in a car accident and I had deposited a check from my car insurance company XXXX in my account in the amount of {$13000.00}, the day before BOA locked it. BOA cleared the full amount of the check and then proceeded to lock my account and then close it on XX/XX/XXXX. I was told that I would be sent a cashiers check for the balance of my account in the amount of {$12000.00}. I was told I would receive the cashiers check within 5 to 10 business days. I called so many times after the given time passed & was told theres nothing they can do for 120 days and they have no way of tracking the check. 
** Meanwhile the collision shop is waiting for {$13000.00} payment for the repairs they have performed on my car for almost a month now. 

I was instructed to go into a BOA branch and speak with a manager. After speaking with the branch manager ( I also had the collision shop speak with the manager as well ) magically they were able to track the check. I was informed to call in 2 days later for an update. On XX/XX/XXXX I called BOA risk department & was told that the cashiers check was fraudulently cashed on XX/XX/XXXX at a XXXX XXXX XXXX in XXXX Va. I live in New York. I then proceeded to put in a claim for the stolen check. 
XXXX The urgency of this matter is that the collision shop is about to put a lien on my car & then it goes up for auction & a repossession on my credit. I am a single mother of XXXX and I work for myself. My car is my livelihood for me to conduct my business. 
I called multiple times & there has been no update to my claim since XX/XX/XXXX. Customer service has been very rude to me in the process & Iam trying to find someone who can help me with this matter. 
I was told yesterday by customer service that my claim has not been updated since XXXX XXXX.
Consumer complaint received 2019-11-07
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: EQUIFAX, INC. (PA)

XXXX XXXX continues to furnish negative information on credit file. Company tarnished my credit. Satisfactory of payment will not remove negative tradeline from account.
Consumer complaint received 2023-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (GA)

I am filing a report of Fraud in reference to an account that was placed in my name years ago and I reported to the company that I didn't open the account and it was supposed to have been deleted, but it wasn't and it was allowed to accumulate service fees and late charges that are still trying to be assessed to my name. The current holder of the fraudulent account, Transworld System Inc, continues to preform a dishonorable act by continuing to report this fraudulent account on my credit profile after years of dispute on my behalf and inconsistent, unverifiable documentation supplied by the said original creditor which is XXXX. The said fraudulent Account # XXXX needs to be removed from credit profile immediately, for it is not my account, so I bear no responsibility to this said fraudulent account.
Consumer complaint received 2023-01-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo auto loan and wire transfer article sent me to this site to make a complaint for a class action suit I believe it's all very confusing but I know just from going into the bank they are very unscrupulous when dealing with them. 

thank you XXXX XXXX
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-11
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. (GA)

An account named " XXXX, XXXX '' has been reporting inaccurately on my EXPERIAN credit report for some time now. I have disputed it several times over the past couple of years and I have provided police reports and other documentation showing that my identity was stolen. I have submitted all proof to the credit bureau multiple times showing proof that the account showing on my credit report is inaccurate. EXPERIAN keeps replying giving false information saying that they completed an investigation and the information on my credit report has been confirmed. That is absolutely incorrect and illegal to falsely state that when it couldn't possibly have been investigated otherwise they would learn that the account is inaccurately reporting. I have attached a letter from the creditor themselves saying they show no account in my name. This is so unfair, unethical and more importantly illegal to report inaccurate information. I have exhausted all options and patience and now have no choice but to take further action at this point. 

I have requested to remove the account from my credit file as it is inaccurate and negatively impacting my credit score. It's unfortunate that I have to deal with the consequences of EXPERIAN 'S mistake and that I have to go through this extent to prove the truth. I hope this matter gets resolved sooner than later because I refuse to give up for what is right!
Consumer complaint received 2021-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC (TX)

I XXXX XXXX a natural person consumer pursuant to 15 U.S.C 1692a ( 4 ) I am the creditor who extend credit creating a debt. Debt which means any obligation or alleged obligation which this is alleged pursuant to 15 U.S.C 1692a ( 5 ). You P & B Capital Group LLC is in violation Pursuant to 15 U.S.C 1692b ( 1 ) you obtained my location information fraudulently. P & B Capital Group LLC is in violation Pursuant to 15 U.S.C 1692b ( 2 ) you stated that i the consumer owes an debt. P & B Capital Group LLC is in violation Pursuant to 15 U.S.C 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt .P & B Capital Group LLC is in violation consumer rights under Fair credit Reporting Act 15 U.S.C 1692c ( a ) without the prior consumer consent given directly to the debt collector. P & B Capital Group LLC is in violation Pursuant to 15 U.S.C 1692d ( 1 ) harassment or abuse, use or threat of us of violence or other criminal means to harm the physical person, reputation, or property of any person. You damages my consumer report. P & B Capital Group LLC is in violation pursuant to 15 U.S.C 1692f false and mislending information. P & B Capital Group LLC is in violation 15 usc 1692e ( 2 ) ( A ) the false representations of the character amount, or legal status of any debt. P & B Capital Group LLC is in violation pursuant to 15 usc 1692f ( 1 ) unfair practices, collection and amount unless such amount is expressly authorized permitted by law. Violating 15 USC 1692f ( 8 ).
Consumer complaint received 2021-11-26
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. (TX)

On XXXX/XXXX/2021 I submitted a dispute letter to your company, disputing two student loans that recently appeared on my account out of nowhere. I asked your company to not only investigate where such debt comes from but to send me proof of such debt or to remove such debt as, again, such debt does not belong to me. 

What I received in response was an " account update " email that had no status update attached and I discovered the two student loans account were taking out of dispute status. 

According to the law and per my request via my letter dated XXXX2021, I asked your company to please verify the debt as required by the Fair Debt Collection Practices Act. The law requires that the bureau be able to furnish who, what when and why as proof of a debt or correct information they are choosing to publish on their platform. Your company did not do that, in fact it seems your company did nothing but dismiss my claim and take the accounts out of dispute. 

The other two bureaus found no baring that these two students loans belonged to me, so I am confused as to why or how only your company was able to find them them to accurate. 

Because your company did not do that what is required by law, you are now in violation The Fair Credit Reporting Act ( FCRA ) that states, if inaccurate information is discovered in a file, the consumer reporting agency must examine the disputed information. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. I am asking that you remove the accounts in question.
Consumer complaint received 2021-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

A friend of mine phone was hacked and I received a message from her asking to send {$1000.00} to an email. I sent the {$1000.00} to XXXX. Hours later she tells me her phone was hacked and that was not her I called chase immediately but they told me I have to speak to someone tomorrow ( which is today ) when I spoke to a rep today they told that it is not there issue because I sent the money. How was i to know her phone got hacked and I was trying to help a friend? This was with chase bank. What happen to my money being FDIC insured.
Consumer complaint received 2021-09-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

In reference to the listed accounts : XXXX  XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
I requested the Description of the investigation into these accounts on XXXX. According to section 611 ( A ) ( 7 ), XXXX  was required to provide this information within 15 days of requested. They have not done so and is violating my rights to obtain a Description of their investigation. I have tried several times to get this information and they seems to refuse to provide it.
Consumer complaint received 2020-12-30
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: BARCLAYS BANK DELAWARE (TN)

I Used my XX/XX/XXXX Mastercard through Barclays bank to purchase a trip back in XX/XX/XXXX XXXX through XXXX. for the amount of {$3800.00} and insurance payment of XXXX. In XX/XX/XXXX I received an email from XXXX stating my trip which was scheduled for XXXX XXXX, XXXX to XXXX XXXX had been cancelled and they were unable to give refunds and for me to reach out to my credit card company to get my refund. I called my card company they said I had to send in written statement which I did. Supposedly they put it in the system incorrectly which i didnt know but they told me it would take 3 billing cycles for my refund. So once i waited and received nothing i called again at which they said I needed to resend my paper statement which I did. This time I called in early XXXX and spoke to a supervisor which apologized and said she would take care of it. I got 4 letters from my card company. One dated XX/XX/XXXX XXXX explaining my dispute. One dated the XXXX saying my dispute was denied due to time frame. Then two dated the XXXX saying it was being investigated again. So I contacted them via the chat system which I have copies of the conversation and was told I would hear from a manager in 24 to 48 hours which it has now been over 48 hours and I've heard nothing. I'm missing nearly {$4000.00}. And they have been charging me interest on this since I tried to cancel in XXXX. Now it is services not renderred because I did not go on my trip XXXX XXXX. I've filed a police report and with the FL AG. This is my last hope to get my money back
Consumer complaint received 2020-12-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I mailed out 3 letters on XX/XX/2020 to dispute an online payday loan that was taken out in my name without my consent and its now on my credit report and Ive sent several letters asking to send the contract with my signature so I can prove that its not mines and remove it and I havent received anything back from the credit bureau and its been over 60 days. 

This has caused me not to be approved for many things as its in collections so its very damaging to my credit report which affects my lively hood! This has caused so much mental stress especially during these times. Please review!
Consumer complaint received 2021-11-26
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: EQUIFAX, INC. (IN)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (IL)

On XX/XX/XXXX I made and cancelled a purchase on XXXX via PayPal credit for {$330.00} and their special credit financing yet an error caused it never to be processed on the Synchrony Bank side and only on the PayPal side. I was told by multiple reps it would be fixed and some tried to lie and claim it was credited YET it STILL showed as part of a special financing balance until last month when it was credited off to remove it BUT then put BACK on as a miscellaneous charge. Ive provided documentation which proves what I allege. They simply refuse to fix it. I have screenshots and explanations that explain everything. If it was refunded in XX/XX/XXXXlike it was supposed to it wouldnt be showing as part of a special financing balance as late as last month ( see second screenshot ). Then further trying to defraud me they said theyd fix it BUT merely adjusted it not to show as the balance it was then created a miscellaneous charge to put it back on the account ( see third screenshot ).
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

I have contacted Experian numerous times to no avail regarding a Mixed file, I know it is as such because after speaking with my brother who shares a similar name and address, has many of my personal accounts and vice versa on his Experian Credit Report. XXXX and XXXX  do not have such a issue with respect to reporting accurate and complete information regarding accounts, especially student loan accounts. I have further inquired with the Student Loan company, XXXX and they said they sent a UDR request to Experian to immediately cease reporting of my student loans to my brothers credit report. They found this odd and obviously in violation of the law, especially as it relates to the FCRA et al. As a result of Experian 's willful negligence and contempt for reporting only accurate data, I have been denied multiple credit offers that otherwise should have been granted, but because they take only into account Experian information it is not accurate nor complete, the fact that I have no late payments and always pay in full alongside my student loans which have never been late is a testament to the amount of work I have put in being financially disciplined, if only Experian held the same standard when reporting information to the actual individuals account. I am beyond exhausted from sending multiple CMRRs to no avail, it is time Experian correct the improper and perniciously inaccurate data!
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, XXXX Bank # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (GA)

Macy 's Credit has decreased my credit limit twice within the last 30days. My limit was {$800.00}. Once I paid {$200.00} in XX/XX/XXXX, my limit was decreased to {$600.00} immediately after payment. Then when I paid another {$100.00} payment in XX/XX/XXXX ( all within 30 days ) my limit has been reduced to {$500.00}. I have paid {$300.00} within 30 days and Macy 's can justify a credit reduction. As a platinum card holder, I was Always greeted as a valued customer by the live representative and even the automatic system. This does not seem or feel like I am valued when my money is taken and my limit is reduced so abruptly. 
This is also causing an adverse impact on my credit. 
I am a platinum card holder. I pay my bill. The only time I needed assistance was XX/XX/XXXX when Covid 19 first hit but Macy 's offered a deferment and I completed that arrangement. Yes, I missed 1 payment prior to the {$200.00} payment due to Transition of employment. 
I have not been notified of any decreases in writing. I am only aware of the decreases because I make my payments via phone. 
I am requesting that my limit is restored back to {$800.00}. I am very disappointed in Macy 's credit with their new practices.

Credit Limit. " Your initial credit limit is on the card carrier. After that, your credit limit appears on your billing statement. The full amount of your credit limit is available to use where the card is honored. We may reduce or increase your credit limit at any time for any reason as permitted by law. We will notify you of any change, but the change may take effect before you receive the notice. You should always keep your total balance below the credit limit. However, if the total balance goes over your credit limit you still must pay us. If your account has a credit balance, we may reduce the credit balance by any new charges on your account. You may not maintain a credit balance in excess of your credit limit '' Macys credit card agreement.