davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX, a fraudulent wire transfer of over {$7000.00} was sent from my XXXX XXXX to a Wells Fargo account using domestic routing number XXXX and an account number that is XXXX digits long. The fraudulent activity was discovered within 24 hours, and a refund request was promptly submitted due to the urgency of the matter. 

By XX/XX/XXXX, the claim process had not yet been initiated. Additionally, Wells Fargo has not confirmed receipt of the fraudulent wire transfer. They have also not verified whether they have accounts with XXXXXXXX XXXX The only information they have provided is that they are investigating the situation. It is unfortunate the privacy of a criminal means more to Wells Fargo. 

This delay and lack of transparency have caused significant distress and inconvenience. I seek immediate action to resolve this issue and recover the stolen funds.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Collection Management Holdings, LLC (FL)

Hi, my name is XXXX XXXX according to 15 U.S. Code 1692c code have XXXX  hard continuing inquiry in my credit report which I did not authorized or give permission for my credit to be ran on. 

Name - COLLECTION MANAGEMENT Account number - XXXX Original balance - {$900.00} Address - XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number - ( XXXX ) XXXX
Consumer complaint received 2023-10-27
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC (FL)

Please note that I am XXXX XXXX XXXX, I have Medicaid and Medicare there is an account that i have been disputing for over 4 years, the account is being removed after passing verification and the Collector, insert the account back to my credit files, using a different date for the opening of the account this is an unfair practices, as I said I do have medicaid and medicare, this have been claridief by the original creditor several times and information passed through collection agency the collection agency continues trying to collect and damaging my credit file using incorrect data without the original creditor knowing, I do not owe this account and it os not mine per previous verifications,
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (TX)

Inquiries on my credit report from XXXX XXXX and American Honda Finance were made on XX/XX/2024. These are fraudulent inquiries and I want them removed from my account immediately.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Radius Global Solutions LLC (AZ)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. Pursuant to FCRA Section 605B it is illegal to report any information on my credit report without my permission. Please remove this item from my credit report. Thank you!
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 XXXXXXXX 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 2024-07-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NJ)

was contacted by radius global solutions llc to collect debt that they bought from other collector i send a letter to them to validate my debt they responded with some printouts that was not original and at any of the documents they sent was my signature that the debt belongs to me or that i'm consenting to pay for any services i sent another letter specifically asking for my signature and they reply that i did not asked for nothing new and they are not responding to my request
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

Dear sir or Ma'am I requested clarification XX/XX/year> from Citi Card account number XXXX via written dispute inquiring how the minimum payment goes from {$1800.00} to {$2200.00} in a month cycle. 
Then XX/XX/year> after an inquiry for clarification I was notified by Citi Card account was charged off. I would like an opportunity to satisfy this obligation with a monthly payment plan.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ADIR INTERNATIONAL LLC (CA)

Checking my credit report a few months ago, I discovered errors regarding the account of XXXXXXXX XXXX XXXX XXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC Code 1666b This code establishes that a creditor may not treat a payment as late on an open-end consumer credit plan account unless the creditor has adopted reasonable procedures to ensure that each
periodic statement that includes the information required by section 1637 ( b ) of this title is mailed or delivered to the obligor no later than 14 days after the close of each billing cycle
Consumer complaint received 2023-10-27
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. (OR)

Dear Experian I have submitted to the CPFB a complaint and have attached proof of All documents and requests. 

NOTICE OF INTENT TO FILE FORMAL FTC COMPLAINT RE : Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as well as XX/XX/XXXX - XX/XX/XXXX, daily with no resolution. You still have not provided any proof of documents and where and from whom you obtained those documents. 
I have sent 3 letters asking for a correction to my credit report and have received no response. 
This letter is formal notice of my intent to file a complaint with the Federal Trade Commission. 

The mailing receipts indicate that you received my letters. Copies of the original letters are included with this letter showing the items that need correction. Under the Fair Credit Reporting Act, you have to address disputes within 30 days, and you have not done so. 

I expect action to be taken to address my dispute. After the correction ( s ) are made, please remove these items from my report. Please provide me with an updated credit report, and also send the report to any creditors who have requested my credit report in the last six months. I would also like the names, addresses and telephone numbers of the creditors who received my reports within the past six months. 

If you determine that no adjustments are to be made to my credit report, please provide the information you used to make that determination. 

If I do not receive a response in the next 24 -48 hours, I will file a formal FTC complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 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 the 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 investigation; 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 2024-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sezzle Inc. (TX)

Debt collections reached out for accounts that I have no knowledge of. Stating that I owed them money. Once informed of debt, I started looking at credit reports and started finding more accounts that were not opened be myself. XXXX XXXX XXXX Account opened XX/XX/XXXX for a line of credit in the amount of {$500.00}. When I contacted company I gave my name and explained that it was fraudulent and started asking for other names on the account, address on the account and email. The man said that he could not and that I had to provide information. I gave him my ex wife 's phone number/address, he confirmed that those were in fact on the account. When I asked for the email provided he gave it then when asked for the fraud department, he promptly disconnected the call. Sezzle Inc account opened XX/XX/XXXX for a line of credit. Once contacted I explained that it was a fraudulent account. I was supplied with an email/address and phone number from my ex wife. XXXX XXXX XXXX  account opened XX/XX/XXXX for a line of credit in the amount of {$650.00}. I reached out to customer service and explained that it was a fraudulent account. I was provided with an email/address and phone number. XXXX XXXX account opened XX/XX/XXXX for a loan. I contacted XXXX XXXX and explained that it was fraudulent. It was explained to me that I owed {$1400.00} on a {$700.00} loan. I was directed to the fraud department and completed there fraud paperwork. I was given the email and the name of the banking institution that the loan was sent to. I then contacted the XXXX XXXX, XXXX  Police department XXXX XXXX XXXX, XXXX  Police department to file charges. With the information given to me by the collections and customer services representatives I believe it to be the work of my ex wife. Using documents from our marriage prior to divorce, she opened multiple lines of credit in my name. I can provide the emails given to me along with the addresses and phone numbers. XXXX XXXX, XXXX  Police case number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Owed : {$0.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX  XXXX Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$56000.00}
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (WI)

Chime states they have identified a high risk activity on my account, and was asked to provide ownership. Originally chime told me I needed to verify unemployment PUA, which I did. After that I was told I have to show proof of documentation- so I did- I have provided owner ship of every single card, every single bank. I've provided proof that my account was given money to form the XXXX XXXX XXXX  XXXX XXXX for an amount of over XXXX around XX/XX/XXXX. I also told chime and showed chime the invoiced from my school. They money in that account is loan money and government money- all of which I have to pay back. I am reaching out in regards to having the money that was left in the account, refunded back to me. I have proof for everything. 

For the card ending in XXXX I explained that I logged into chime one day and saw my address was modified to a different address outside of my own. I also noted that there was NO MONEY taken out of my account and that there was NO MONEY added into my account except the money I used from the XXXX tuition reimbursement. A lot of money was moved out and in between accounts using either XXXX XXXX or XXXX XXXX- it's my money I should not have to explain why I moved XXXX out of 1 bank out it's a no brainer. Below is the image of EVERYTHING, from unemployment all the way to my receipts. 

This is super frustrating. I'm just a XXXX  and this has affected my life in a negative emotional way. XXXX  and XXXX  as this money is used to pay for my classes and even rent, something of which I can not due and must wait an extra year now to graduate. I do want to get an lawyer involved. I've been on the phone with chime for weeks now and nothing has changed! ( XX/XX/XXXX ) To this day, Friday XX/XX/XXXX, I am still dealing with this situation
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (IL)

Name : XXXX XXXX Consumer IDXXXX Date of BirthXXXX SSN : XXXX ID Type : Driver 's License ID Number:XXXX  Address:XXXX  XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX ( Open Date:XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, ( NAME )
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

Bill paid on XX/XX/year> via XXXX XXXX XXXXXXXX bill pay. I had an old AMEX account number identified with the online bill pay. AMEX says they can't see the payment. I was told on XX/XX/year> that it would take 60 days from the date of payment to get my money back. I called again today, XX/XX/year>, 70 days after the payment. Now AMEX says I will never get my money back because now they say they can't see the payment. The payment left XXXX XXXX XXXX XXXX account and went to AMEX. The fact they can't find the payment seems to be their problem, not mine.
Consumer complaint received 2023-10-27
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. (OH)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

* On XX/XX/XXXX, I enrolled in XXXX XXXX XXXX XXXX. Macy 's was included in this program. 

* On XX/XX/XXXX, Macy 's, through their legal representation of XXXX XXXX XXXX XXXX, was paid via transfer through XXXX XXXX XXXX 's bank {$1100.00} which was the agreed-upon settlement amount. 

* It is stated on my credit report that {$1700.00} was charged off with a balance of {$600.00}. 

* I have filed disputes on XXXX, XXXX, XXXX. 

* I have submitted documentation showing payment in the amount of {$1100.00} which was the agreed-upon settlement amount with XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA made an unauthorized EFT reversal from my checking account fir XXXX. They did not have my permission to make this reversal. It says it's for " XXXX XXXX XXXX XXXX XXXX " No one at USAA has any idea what this for. I have no open claims on my auto policy. I did not give them permission to make this reversal.
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

- XXXX Credit Card from XXXX XXXX- I am living in XXXX New York- I had a XXXX  Credit Card since XXXX ( Acct # : XXXX ) - After late XXXX, i no longer used them, I always paid in time, the balance is {$0.00}. 
- In earlier XXXX, when I login to my online account, my account was closed somehow. 
- I thought the account closed is because i had not used it for a while, so did not pay too much attention. 

- Collection Agent and Calls- In early XXXX, I kept getting Collection Calls from " Portfolio Recovery Associates , LLC '' - Thru them, i was aware of another credit card issued by XXXX Bank under my XXXX  Account from California with {$740.00} balance unpaid. 
- I explained to them I did even know account at all, and XXXX XXXX also never contacted me on this. This is not my debts, I requested for disputing. 
- I asked the collection agent to provide more info for this collection - They provided the credit card statement sent to " XXXX, CA XXXX ''. This is the first time I heard about this address and billing info - In the last XXXX years, i have never travelled or lived in California XXXX Possibly, my identity was leaked or stolen. 
- Collection Agent kept calling me, and mailed me the bills not owned by me- I have been disputing for multiple times, but they ignored it - Other Actions : - I contacted " Federal Trade Commission XXXX '' and filed Fraud Case # XXXX - I contacted XXXX XXXX, they agreed this could be a fraud case, but they had sold the case to Collection Agent, nothing they could do further, and asked me to contact Collection Agent - Portfolio Recovery Associates , LLC. 
- I contacted the Agent again, they ignored.