davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MD)

In XXXX, XXXX six ( 6 ) fraudulent charges were posted to my Best Buy credit card number ending in XXXX. 
The charges were XX/XX/XXXX {$200.00} BestBuy.com XX/XX/XXXX {$60.00} WWW.Costco.com XX/XX/XXXX {$89.00} WWW.Costco.com XX/XX/XXXX {$89.00} WWW.Costco.com XX/XX/XXXX {$200.00} BestBuy.com XX/XX/XXXX {$89.00} WWW.Costco.com I contacted Best Buy and report the charges as fraud. I received a letter from Best Buy on XX/XX/XXXX saying that while they are investigating the disputes, they adjusted my minimum payment due, which reflected the portion of the balance that was not being disputed. 
Then I received a letter dated XX/XX/XXXX stating that they completed their investigation and based on their review have credited my account for the unauthorized activity totaling XXXX, fees and interest, however the two ( 2 ) Bestbuy.com charges totaling XXXX XXXX ( {$400.00} ) dollars was being rebilled to my account. Their decision was based on " using the information that you provided about the dispute. With the information we had, it wasn't enough to support your claim and resolve the dispute in your favor ''. I called to dispute this resolution and was told that the case was closed and in order to re-open it, I would need to get a police report ( which was never told to me when I initially reported the fraud ). On XX/XX/XXXX and then again on XX/XX/XXXX, I contacted XXXX XXXX Police department and an officer was dispatch to my address to take a report. He advised that it was very little that could be done since I had no information to provide regarding who I thought may have committed the fraud. In good faith I reported all the fraudulent transactions, the only information I was able to provide was I did not make the charges. Best Buy absolved me to the lowest charges, however the remaining two ( 2 ) highest charges they are saying I have to pay, even though I have repeatedly indicated that I did not make these charges. Both charges were electronic store charges. I would think that the investigation would have at least provided information as to what was purchased and where it was sent, a physical home address or an email address. I am certain that if Best Buy digs deeper and exhaust all efforts in their investigation they will find that I am truthful to my word and I did not make these charges.
Consumer complaint received 2024-10-28
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. (AZ)

Upon reviewing my credit report, I discovered several erroneous entries. The XXXX credit bureaus are legally obligated to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting account as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable account listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2024-11-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IN)

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP (HI)

CAPITAL MANAGEMENT SERVICES LP is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. I have no contract with CAPITAL MANAGEMENT SERVICES LP. I have never heard of this Company, and they have no legal right to contact me about any unverified, unproven and untrue debt. CAPITAL MANAGEMENT SERVICES LP is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. This Company needs to stop harassing me immediately.!
Consumer complaint received 2024-08-08
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: EQUIFAX, INC. (AL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-25
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation (NY)

I purchased a couch at XXXX XXXX XXXX XXXX using their store credit Fortiva. When signing up, I was told I would not be charged any interest for a year. I was in an unexpected motor vehicle accident and was out of work and I was late making payments. I received my statements from Fortiva and seen I am being charged interest. I called and spoke to a representative and was told because I missed 2 on time payments that the whole contract was canceled and I'd now be charged interest every billing cycle. This was not told to me at time of purchase. I have no problem paying late fees I take XXXX XXXX accountability for late fees but now I will be charged extra every month and it was never explained to me as such which I feel is extremely misleading & unfair. Their interest rates are XXXX XXXX so now it will take longer and spending more money to pay off this debt. If someone could reach out for some guidance I'd greatly appreciate it. Thank you.
Consumer complaint received 2024-10-28
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. (AZ)

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
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
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CT)

I tryed activating my card and they keep asking for other cards I have and there numbers Ive called a couple times and they keep asking me for verification after I give them all my info to verify my account then I said I dont even want the card cancel it and they said they cant cause they cant verify its me like they asked for my social and all this stuff just to tell me they need more and now they wont even cancel it Im kinda at a loss
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I have submitted several disputes to Equifax concerning inaccuracies on my credit report. Despite my efforts to correct these errors, I have not received a proper investigation or response from Equifax. The disputed accounts continue to be listed on my credit report, which is negatively impacting my credit score and financial opportunities. This lack of action by Equifax is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must investigate disputes and ensure the accuracy of the information they report.
Consumer complaint received 2024-10-28
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. (AZ)

Upon reviewing my credit report, I found several inaccuracies. The 3 credit bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to disregard the validation of this reporting items as unverified information without providing any proof within the legally mandated timeframe. The following items must be investigated and corrected for erroneous reporting in my file, as they are listed on my credit report : 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
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (IL)

I got charged on my bank account from XXXX XXXX on XX/XX/XXXX {$1400.00}. On my XXXX XXXX account I can see transaction sent to my mother XXXX XXXX ( I didn't make any transfer to her on that day, last time was on XX/XX/XXXX ) and it says that receiver country is XXXX, and my mother is not there, but it does say money is picked up. I called XXXX XXXX and they told me that in meantime someone changed the name of receiver to XXXX XXXX ( never heard of that person ) and that he picked up the money. On my XXXX XXXX account it is still showing that receiver is XXXX XXXX and I have official invoice from XXXX XXXX that that's the receiver name. It is obvious that it is a scam, but XXXX XXXX did not want to cooperate with me. I asked them how is it possible that some change the name of the receiver, only me as a sender should be able to do that, and I see the receiver is XXXX XXXX, not XXXX XXXX as they are telling me, but they couldn't provide any answer to my question.
Consumer complaint received 2024-10-25
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2024-10-28
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. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Balance : {$3400.00}
Consumer complaint received 2024-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (AR)

Multiple hours long calls and chats beginning XXXX of 2024. Loan Number : XXXX My mortgage was assumed by NewRez LLC from XXXX ( the servicer was bought out/folded into NewRez ) in XXXX of 2024. 

NewRez shows that XXXX made an insurance payment of {$2700.00} to XXXX XXXX XXXX in XXXX of 2024. However, this payment was never received by XXXX XXXX. This has been confirmed by conference calls between NewRez, my XXXX, XXXX XXXX and myself. 

In addition, a second payment was made to XXXX XXXX, this time by NewRez to make my insurance current. 

As a result, my escrow balance is now negative and the first {$2700.00} is now missing from my account. My escrow is now considered short and my monthly payment has increased to cover a clerical error.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Halsted Financial Services, LLC. (RI)

Please be advised that this is my SECOND REQUEST asking you to remove the unverified account listed below that remain on my credit report in violation of the 15 U.S.C 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that the item is being reported correctly. What this mean is that your company must be willing and able to produce a document in your files that proves the account in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury. You have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed account which means that you are NOT verified or you can not verify my account and under section 611 ( 5 ) ( A ) of the FRCA- you are required to promptly delete all information which can not be verified.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Firstsource Business Process Services, LLC (GA)

I have a employee that obviously wrote a bad check to XXXX. XXXX XXXX XXXX XXXX has been calling my business stateing to one of my employees that I have written a bad check to XXXX. Obviously this is incorrect information not to mention it's embarrassing. It's my understanding that this sort of thing is not permited.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Halsted Financial Services, LLC. (PA)

On XX/XX/year> my business checking account was hit with five unauthorized charges. 

XXXX XXXX XXXX XXXX XXXX For a total of XXXX. 

The XXXX XXXX charges were from Halstead Financial services llc. 

The XXXX charge and the XXXX was from XXXX XXXX And the XXXX charge was from XXXX. 


All five of these charges were pulled directly from my business checking account.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

XX/XX/year> XXXX bank allowed a transfer of {$30000.00} to XXXXidenty investments thru ACH tyhis was not authorize by me. after talking to fid bkg svc llc i was informed that the funds were transfered into a coount and then removed and that the info from customer had a diffferent mailing address and different phone number. this was ID thief. 
US bank did nothning to protect my funds being transfer without checking that this was authorize transfer of funds
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Inquiry XXXX XXXX XXXXXX/XX/year> Collection : 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  Former : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX : XXXX XXXX  XXXX Employers XXXX XXXX XXXX Employers : XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (MD)

per 15 U.S.C. 1681, a company is illegally sharing personal information without the individual 's consent, demanding immediate removal of that data and a formal opt-out from future reporting of such information. 


XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

To Whom It May Concern : This letter is being sent in response to inaccurate and damaging information reported to the Credit Bureaus by XXXX XXXX XXXX regarding my account, causing significant negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim and requesting validation. 

The information currently reported on my credit file with XXXX, XXXX, and Experian includes the following inaccuracies : Account Number : XXXX Open Date : XX/XX/year> Loan Amount : {$15000.00} ( This amount is incorrect. ) Status : Reported with late and derogatory information This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION under the Fair Credit Reporting Act. I respectfully request that you provide competent evidence that I have any legal obligation to pay you regarding this account. Please note that my vehicle was stolen, and my claim with XXXX XXXX is still open under Claim No. XXXX. XXXX is currently assessing the situation, and no final determination has been made. 

XXXX XXXX XXXX never contacted me after they took possession or repossession of the vehicle. When my vehicle was recovered, XXXX discarded my personal belongings valued at approximately {$30000.00}, which included irreplaceable items. Given that XXXX failed to notify me, and this claim is unresolved with XXXX, I am requesting that all negative and derogatory information be removed from my credit report immediately. 

Please provide me with : 1. Documentation of the debt, including the correct amount, as the original loan amount reported is inaccurate. 



If your offices can provide proper documentation as requested, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. 

Furthermore, if any actions are taken that could further impact my credit negatively during this validation period, I will consult my legal counsel for possible action. This includes listing or verifying inaccurate information with any credit reporting agency, especially without proof. 

I also request, in writing, that no telephone contact be made by XXXX to my home or place of employment. If XXXX or its representatives attempt to contact me via phone, including automated calls or calls to any third parties, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be conducted in writing and sent to the address noted in this letter by USPS. 

It is advisable that XXXX ensures its records are accurate and corrected before I am forced to pursue legal action. This is an attempt to correct your records, and any information obtained shall be used for that purpose. 

Best Regards, XXXX XXXX
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I havent used my card since XX/XX/XXXX XXXX.I login to my online bank account on XX/XX/XXXX and discovered that my card was stolen. When I knew my bank had been compromised, I called in to lock up my account, but they only asked me for my name and dieb card number, nobody asking my social security number or my phone 's verification code. It was a very big mistake by the bank and I think that's how my account was stolen I never applied a card replacement nor received a new card. I've had strange phone numbers in my bank account that I didn't know existed. I have never spent any money in the XXXX XXXX in XXXX The thief deposited the checks stolen from others into my account and then withdrew it afterward. I dont know why the thief could take away {$9500.00}. My driver license ( ID ) has never been lost. When I found out that my identity was stolen, I called the bank and said that the check deposited was not my deposit. I go to the police officer on XX/XX/XXXX to report this case. Right now they close the money XXXX XXXX.but they didnt refund XXXX XXXX one is XXXX XXXXand another $ XXXXand ATM $ XXXXthen Chase bank took about {$4200.00} from my wife 's personal account .I still lost total {$7000.00}.