davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAINE & WEINER COMPANY, INC. (SC)

I have an address and incorrect social reporting under my account. Address XXXX XXXX XXXX XXXX  XXXX in which I've never lived are reporting accounts such as XXXX XXXX and Caine & Weiner in which I've never authorized. Also XXXX is reporting under my credit report as a different social that is not mine. This is causing me much grief as I'm trying to build my credit. 

These inquires were unauthorized and I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-26
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (GA)

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND yo validate this account : Please provide me with the following : Full accounting for this account Copy of assignment of purchase from the creditor Every charge and what was purchased, fee, payment, credit interest How you calculated what you claim I owe ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Full chain of assignments from charge off to present Proof that you owe the debt with full clear title Proof that you were on the original contract ( XXXX XXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX If you cant provide me with sufficient proof listed above, then you must delete the above account from all XXXX  credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation. My attorney who specializes in suing debt collectors will be on standby waiting for instructions.
Consumer complaint received 2024-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (WV)

I currently have a subscription to XXXX is set up on a monthly payment that comes out every month. The default card that I had attached to my account was canceled out several weeks ago and I was issued a new card. I forgot to update my payment information until today. But the payment still came out on my old card. So when asking the financial institution how this happened they asked me that I wanted to dispute the payment. No, I do not want to dispute the payment. Im just curious as to how a card that you canceled out, still making payments.
Consumer complaint received 2024-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, I went to the Wells Fargo branch located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX. I tried to deposit my check from my employer. I was told that because of possible fraud, my funds would not be available until two business days. The bank assumed that my actions were fraudulent and I believe it is because I am a XXXX person. I called Wells Fargo customer service and was transferred a few times. Each person at Wells Fargo I talked to had a different excuse as to why a hold was placed on my check. One person said fraud, another person said it was because of the previous Holiday, someone else mentioned that it was because XXXXXXXX XXXX declined the check, and another person said that the check was declined because the Federal Reserve declined. 

My check eventually was cleared and the funds were released to me but not after I was humiliated and told it was fraudulent. I want a detailed analysis of check holds and the XXXX statistics on people who receive these holds. 

I strongly believe Wells Fargo discriminated against me because I am XXXX.
Consumer complaint received 2024-07-13
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 (GA)

This account was started fraudulently, Ive asked this company to stop reporting this fraudulent account which was the result of identity yet they continue to violate my rights and reputation by reporting these fraudulent items on my report. This needs to be removed immediately this is a violation of XXXX XXXX XXXX and the FCRA. Remove this from my credit report immediately and stop destroying and defaming my credibility.
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion Consumer Report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (VA)

I ( with my wife ) purchased tickets with her XXXX XXXX XXXX which is advertised as allowing us a free checked bag each. Due to a family emergency she had to reschedule her return flight. When I checked in I was told I had to pay for the bag that I had already checked for free on my outbound leg. I was told they couldn't handle it at that point but I should go ahead and pay for the bag and then after the flight I should apply to be reimbursed and they assured me multiple times that I would be definitely be reimbursed afterwards. As feared, the application for the reimbursement resulted in them saying the original rep didn't tell me correctly. If the rep I spoke to had told me that if I paid I was likely not to get the money back then I could have made an informed choice. But I trusted that the rep knew his stuff and was telling the truth - that's all I as a consumer can do when I need information about a flight and what to do. Ultimately I paid {$75.00} and apparently am not going to get it back despite multiple clear assurances to the contrary from the official XXXX representative.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Please remove this fraudulent unauthorized collection account ( XXXX XXXXY ) as I have never had an account with XXXX XXXX, this is due to my identity theft. Also please remove a hard inquiry from XXXX XXXXXXXX and XXXX XXXXl as these are fraud. TY
Consumer complaint received 2023-08-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Mercedes Benz Financial Services (TX)

I leased a mercedes benz back on XX/XX/2023. The car was deemed a lemon by the dealership 4 days later. The dealership advised me that they will reach out to their corporate HQ for resolution and made my car payments until they had an answer. XXXX XXXX XXXX is an insurance company for mercedes paid off the vehicle today and gave me a refund of my down payment of XXXX. They advised me that Mercedes Financial services also sent them a check of XXXX for the vehicle. Mercedes benz Collection unit has this information in their system however they want me to send them either the payoff of XXXX or XXXX to bring the account up to date. They see in their system that a payoff check was sent by their own company. However they warned me that they will report me negative to the Credit card reporting agency. I asked for a supervisor. However they advised no one was available.
Consumer complaint received 2023-10-26
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 DEPT OF ED XX/XX/2023 DEPT OF ED XX/XX/2023
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-26
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. (CT)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

Company does not make available the vehicle title for transfer at time of payoff thereby requiring both parties to maintain insurance on said vehicle whilst company takes 2 weeks to produce title. I have proof of lost potential buyers because of this practice. Company claims they don't have titles because " they could get lost ''.
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions. (TX)

I received a letter dated XX/XX/2024, from FBCS that from XXXX XXXX XXXX their company allegedly failed to protect the data of nearly XXXX XXXX customers whose information was compromised and stolen during this XXXX data breach. Financial Business and Consumer Solutions ( FBCS ) lawsuits have been filed in federal court in Pennsylvania. I have no idea what debt they are supposedly holding on me, have never received any notice of any supposed debt, have not signed any contract or agreement with said company, nor did I grant them permission to obtain and store my personal information on their systems that were breached. I am seeking to sue this company and have sent them a demand for restitution which they ignored although I warned them that failure to pay this restitution would result in me filing a lawsuit against them. I have contacted an attorney to proceed with litigation. I am also submitting all documentation of this breach and my demand for restitution to all media, consumer, and government consumer protection and fraud prevention agencies.
Consumer complaint received 2023-10-26
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. (NY)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc (GA)

XXXX XXXX XXXXXXXX XXXX XXXXXXXX Given : XXXX # XXXX I am writing to express my extreme dissatisfaction with PayPals services and to formally lodge a complaint regarding the unacceptable treatment I have received. My experiences with your company have been nothing short of appalling, and I believe your company engages in unethical and fraudulent business practices. 

Firstly, I have encountered significant difficulties in ordering a new PayPal card. The customer service representatives I have spoken with have been unable to communicate effectively, consistently talked over me, and failed to address my concerns appropriately. Their lack of understanding and unwillingness to listen has made resolving this issue impossible. THEY ARE EXTREMELY RUDE! 

Furthermore, the language barrier with your customer service representatives has made communication extremely difficult. Their responses often feel scripted and impersonal, hindering my ability to effectively convey my concerns. It is apparent that there is a lack of genuine listening and understanding on their part, as they consistently fail to address the core of my issues. 


Secondly, I purchased a PayPal prepaid call for {$60.00} and paid in cash. The card was subsequently blocked without explanation, preventing me from activating it or gifting it to someone else. When I inquired about the reason for the block, I was only provided with vague information about a problem with Net Spend and denied access to any details that would allow me to dispute this action or verify the security of my identity. 

I spoke with XXXX XXXX  and they had no records of any restriction and even added a note with reference # XXXX to the account for PayPal. The PayPal Agent was still rude and dismissive. 

It is evident that PayPal has a severe problem with customer service. Your representatives are incapable of providing adequate support, and your company 's policies are designed to confuse and frustrate customers. The arbitrary blocking of a prepaid card that I purchased with cash is a clear indication of unethical and potentially fraudulent business practices. 

I demand a full investigation into these matters and immediate resolution of the issues I have raised. I expect PayPal to provide clear and transparent explanations for the blocking of my prepaid card. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-10-26
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.

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 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (CT)

I received communication from Chase Card Services via mail that someone was using my personal information to apply for a credit card. I was able to call Chase Card Services and have the application cancelled and marked as fraud. They also committed to contacting the credit reporting bureaus to remove the inquiry. I was encouraged to report to the FTC.
Consumer complaint received 2023-10-26
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

I informed the company when they called and told them Ive recently lost my job and havent gotten any monies yet. I do have credit protection insurance that I am in process with. The person said it wasnt but only {$52.00}. I again explained I was broke. I have been getting 15-20 calls per day starting at XXXX every two hours or less. This is harassment at best. Its Comemity bank and they are persistent and ruthless
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On or about XX/XX/year>, Bank of America restricted all access to my bank account without any explanation of why nor did they provide details on when I would be able access my money. It is now XX/XX/XXXX and I am now evicted from my home because I did not pay my XXXX rent and I have no money because Bank of America will not allow me to access my own money. Bank of America is the direct cause of me becoming homeless. There is XXXX suspicious activity on my account. XXXX!