davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX, XXXX, Experian is govern by 15 USC 1681. And they violated my rights numerous of times. 



In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 ( XXXX XXXX XXXX )... ( XXXX XXXX ) has violated my rights NUMEROUS of times.

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

I Demand These Accounts Be Removed From My Credit Report Listed Below. 

XXXX XXXX XXXX XXXX. XXXX XXXX.
Consumer complaint received 2024-07-30
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: CREDIT ACCEPTANCE CORPORATION (IN)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX  XXXX  per violation and clearly they violated my rights.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BMO Bank, N.A. (CA)

About XXXX months ago I filed a complaint with the cfpb about BMO 's failure to properly respond to a dispute about a purchase of a XXXX  charged to their credit card. The bank on XX/XX/XXXX stated that " the dispute would be handled according to the XXXX guidelines. '' About a week later the bank sent me notice of opening claim XXXX and saying to call them about processing the claim.I called and they wanted a statement from an XXXX  about wiring required to hookup the XXXX  to a XXXXXXXX XXXX XXXX. I requested an estimate from XXXXXXXX XXXX XXXXXXXX dated XX/XX/2024 and emailed it to XXXX which they acknowledged receipt of and telling me they now could process the claim. Now almost 3 months have gone by and nothing further has been done.
Consumer complaint received 2024-08-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management (IN)

I am writing to file a complaint against Plaza Services for violating my rights under the following laws : 12 CFR 1006.34 ( b ) ( 5 ) : Plaza Services has not provided validation information, but yet have placed an account with on my credit report on XX/XX/year>. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the chance to dispute the account. 12 CFR 1006.34 ( d ) : and 15 UFC 1681 S 2 ( 7 ) ( A ) : A collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law, which they are in clear violation of. It was placed on my credit report without my knowledge. If Plaza Services has proof they mailed any documentation to me, please have them supply tracking numbers or receipts of registered mail so we can track what happened if anything was sent. Simply providing documentation is not proof it was provided to me, by law.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

This account has been on my credit report for 8 years and it is far past the statute of limitations!!! They refuse to remove this account from my credit report and report it with new dates to keep it on my credit report!!!!
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: OneMain Finance Corporation (OH)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required
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 (IL)

pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as ( RADIUS GLOBAL SOLUTION XXXX ) is to be expunged from the report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report.
Consumer complaint received 2024-08-08
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. (VA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accounts Receivable Management, Inc (FL)

Originally created XXXX, XXXX started harrassing with this, i created also one sprcifically for them, they even created the name of an attending physician that does not even work at the XXXX XXXX XXXX  and XXXX threatened to report them to cfbp. This is when I received collections letters from accounts receivable management incXXXX XXXX accepted i do not owe that money under XXXX.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (IL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i reviewed my consumer reports and notice that i had an late payment on an account that i was never late for. the consumer reporting agency have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account that i have included the dates and screenshots inside of this complaint ( XX/XX/2019 ). please reinvestigate and provide proof with statements showing that these payments were late. if proof cant be provided i demand these payments be uodated to paid as agreed on time as they should be due to the fact i was never late. thanks please see screenshot attached
Consumer complaint received 2024-06-13
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. (TX)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
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. (DE)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Hello, I opened my Huntington XXXX XXXX Checking account in branch on XX/XX/XXXX. At that time, Huntington bank has a promotion to open a checking account. 

Promotion conditions are followings : To qualify for the {$600.00} cash bonus, you are required to open a new, qualifying Huntington XXXX XXXX Checking account by XX/XX/XXXX and make cumulative new money deposits into your new Platinum Perks Checking account of at least {$25000.00} or more within 90 days of account opening and keep your account open for 90 days. 

If you opened a Huntington XXXX XXXX Checking account, your {$600.00} bonus will be deposited into your new checking account within 14 days of meeting the above requirements. Your checking account must remain in open status to receive the bonus. 

I have met all promotion conditions, but Huntington didnt pay me {$600.00} bonus. Please help me to investigate what happened and deposit {$600.00} bonus into my account. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-09
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. (TX)

I have an identity theft credit card reporting on my Experian and XXXX credit files. The Account is XXXX  XXXX, Account # XXXX, XXXX  XXXX case # XXXX for XXXX XXXX dispute and case # XXXX for second request to XXXX  XXXX on XXXX XXXX. I certified mailed a letter explaining to XXXX XXXX this account was identity theft. I also attached a FTC Identity Theft report with a request to remove this item. 

The account was removed in XXXX and XX/XX/year> from all three bureaus, but Experian and XXXX decided to re-insert this fraudulent identity theft account and state that it was verified by the XXXX XXXX. I have attached 23 documented proof and correspondence between the credit bureaus, XXXX XXXX and myself. I have requested documented proof from XXXX XXXX because they stated, " Their research found no fraud ''. When I requested proof of their investigation, I get nothing from them. I am requesting this fraudulent account be removed from my Experian and XXXX credit bureaus. XXXX has already removed this fraudulent account.
Consumer complaint received 2024-08-08
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (OR)

I purchased a prepaid card at XXXX XXXX ( XXXX ) in Oregon last year. 
I used the card solely for XXXX  trips while on vacation in XXXX. 
I had {$190.00} balance left on the card when I got back home to XXXX  in XXXX of XXXX. 
I recently tried to use the card for a ride to the airport in XXXX XXXX. 
I got a message back saying there wasn't enough money left on the card for the ride. 
When I went to the card site to check the balance, I saw a {$170.00} charge to a mechanic in XXXX XXXX  on XX/XX/year>. 
I was home in XXXX  in XXXX. 
I called the card service number and a gentleman told me I had to fax them a copy of the front and back of my card along with a photocopy of my government ID.

The gentleman told me to send a copy of either my drivers license or passport.

I sent a photocopy of my passport.

He said to give them " 2-3 business days '', then to call back to proceed with my dispute. 
Today is the fourth business day after faxing the info, so I called them. 
As soon as I said why I was calling I was hung up on. 
I called back and got a different customer service person, told her why I was calling, and got hung up on again. 
I want my {$170.00} back.
Consumer complaint received 2024-09-18
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: EQUIFAX, INC. (MD)

Since 2020, I have been disputing a debt with all three credit bureaus. In XXXX, I sent certified dispute letters to all three bureaus, along with all required documents, including my ID and Social Security number. XXXX returned the certified mail green card but has not provided any response regarding the dispute. I have not received the certified return card from Equifax or XXXX. Equifax has repeatedly stalled, asking for more information despite receiving everything they requested. 

I also disputed the debt online, but the investigation results came back as accurate and validated. When I contacted XXXX to ask for documentation on how they validated the debt, I spoke with a representative who was very rude. She informed me that they use an automatic system for disputes and that she was not allowed to share any information about how the debt was validated. 

Under the Fair Credit Reporting Act ( FCRA ), 18 U.S. Code 1028, 15 U.S.C. 1681b, and 15 U.S.C. 6802, I have the right to dispute inaccurate information and to receive documentation validating the debt. I have repeatedly asked for the validation of the debt, including the original purchase agreement, payment history, and proof that the collection agency is licensed to legally collect the debt. Both the credit bureaus and the collection agency have refused to provide this information, which is a violation of my rights under these laws.

I respectfully request the immediate removal of this debt from my credit report, as the bureaus and the collection agency have failed to comply with federal regulations and have repeatedly violated my rights.
Consumer complaint received 2024-09-24
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/XXXX Yesterday on XX/XX/XXXX a dispute of alleged debt was sent to SYNCHRONY BANK via REGISTERED MAIL # RE XXXX XXXX XXXX XXXX. This dispute was sent in response to SYNCHRONY BANK, previously receiving a notice of billing error from me via REGISTERED MAIL # RE XXXX XXXX XXXX XXXX on XX/XX/XXXX and refusing to address it. The XXXX XXXX XXXX under barcode # XXXX XXXX XXXX XXXX XXXX XXXX [ my return receipt ] came back to me with the corner that would indicate the date received torn off with no signature and no printed name. I was able to validate the date of delivery on the XXXX website, however, which is included in this complaint on the attached .pdf. This violation falls under Interference with Commerce under Title 18 USC 1951 ( The Hobbs Act ) and Obstruction of correspondence under Title 18 USC 1702. The Criminal Resource Manual from the U.S. Department of Justice, CRM 940. 18 U.S.C. 1341 Elements of Mail Fraud states the following : There are two elements in mail fraud : ( 1 ) having devised or intending to devise a scheme to defraud, and ( 2 ) using the mail for the purpose of executing, or attempting to execute the scheme. Schmuck v. United States 489 U.S. 705, 721 n. 10 ( 1989 ) ; see also Pereira v. United States, 347 U.S. 1, 8 ( 1954 ). SYNCHRONY BANK has in its possession a billing error notice from me since XX/XX/XXXX that SYNCHRONY BANK was bound by federal law to address within thirty days via a written notice to me to provide clarity on the matter. Instead, SYNCHRONY BANK ignored it, bombarded me with phone calls and sent me a presentment to collect the alleged debt in violation of federal law! SYNCHRONY BANKs action in this matter is also a violation of Title 15 of the specific codes listed in the notice below, is an intention to devise a scheme on me & constitutes the use of the mail to execute the scheme which is fraud and a violation of Title 18 U.S.C. 1341.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (TN)

XXXXFraud case for {$2800.00} XX/XX/XXXX credit returned back to me {$2800.00} XX/XX/XXXX reversal of credit {$1400.00} XX/XX/XXXX reversal of credit {$1400.00} XX/XX/XXXX Called 5 times to get a hold of case manager XXXX tried to talk to case manager again XX/XX/XXXX called three times to talk to case manager XX/XX/XXXX sent email showing proof that I did not make these charges. Heard back from company 4 times already, nothing from us bank Also in early XXXX went to bank to talk to branch manager she also said she has no way to contact case managers also when she was on phone with the fraud people they put in notes saying we wanted evidence an that were gon na report to you all an still havent heard anything
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

Hello XXXX  friends : Im writing to tell my sad story with the hopes that you will understand and recognize your own part in the tragedy to the extent that you extend a gracious refund of the {$XXXX} that I have lost. After such a response my trust in XXXX will be restored, along with my serenity. 

I was trying to rent an apartment for my family in another state. The transaction seemed legitimate, so I proceeded to make the first payment. The renter offered me various options to make the payment, XXXX of which was XXXX. 

When I saw XXXX  as an option, I recognized it as the option my trusted bank -- XXXX XXXX XXXX -- uses and stands behind, so of course I picked XXXX. When I went to send the money, I was asked if this was a payment to an individual or a business -- almost exactly like XXXX before sending money ( see image ). I selected business, expecting that ( similar to XXXX business payments ) XXXX offered purchase protections. After sending the payment, I received a confirmation text from XXXX. I wasnt warned or asked to confirm that this transfer is irreversible, or that there were zero protections ; I was only asked if this was me, which I confirmed. I called to confirm the transaction with the recipient and immediately realized it was a scam. The XXXX  transaction showed it was processing and that the transaction was awaiting a fraud check. I called XXXX and immediately told them I wanted to stop the transaction. After multiple transfers and multiple agonizing holds I was invited to file a claim, but nobody seemed to know about how to stop a transaction that was still processing and awaiting a fraud check. 

You sent {$XXXX} to XXXX XXXX sent from account ending in XXXX to XXXX Confirmation : XXXX If you didnt make this transaction, please contact us. 
XXXX XXXX ( XXXX ) XXXX XXXX claim # XXXX
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

Complaint against CHASE BANK, NA, XXXX JPMorgan Chase & Co . 
Office of the Comptroller of the Currency ( OCC ) Case # XXXX Chase Bank NA wrongly took {$1100.00} from my Social Security retirement income to pay two usurious loans : A {$500.00} loan at XXXX percent interest, and a {$600.00} loan at XXXX percent interest, in violation of, XXXX XXXX, section XXXX ( XXXX ) of the Florida Statutes. I am currently age XXXX. 

On XX/XX/year>, the Customer Assistance Group ( CAG ) of the Office of the Comptroller of the Currency ( OCC ) provided me a letter ( Exhibit 1 ) that states, " Your complaint appears to involve an issue that does not fall under the direct jurisdiction of our office. You can submit a complaint about this issue to the Consumer Financial Protection Bureau ( CFPB ). '' OCC Case # XXXX. 

On XX/XX/year>, XXXX XXXX, Financial Specialist, Division of Financial Institutions, the Florida Office of Financial Regulation, referred my complaint to the Comptroller of the Currency ( OCC ) because Chase Bank falls outside of its regulatory authority. Chase Bank is a National Association financial entity operating in Florida under the regulatory jurisdiction of the Office of the Comptroller of the Currency ( OCC ). ( Exhibit 2 ) My complaint shows Chase Bank NA wrongly took {$1100.00} of my Social Security direct deposit after I made XXXX XXXXXXXX XXXX my direct depository on XX/XX/year>. ( Exhibit 3 ). 

Somehow my Social Security direct deposit was redirected back to my closed Chase Bank XXXX account and used to unlawfully pay XXXX unauthorized Tribal lenders for loans that are unenforceable and uncollectable in Florida under XXXX XXXX ( XXXX ) of the Florida Statutes : XXXX XXXX XXXX, XXXX doing business as XXXX Lending {$500.00} loan at 766.88 % interest, XX/XX/year>, Truth In Lending Act Disclosure ( Exhibit XXXX ) Unauthorized lender, unenforceable and uncollectable loan in Florida ( XXXX. XXXX ( XXXX ) ) Chase Bank Claim Number : XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX, doing business as XXXX XXXX {$600.00} loan at 500 % interest, XX/XX/year>, Truth In Lending Act Disclosure ( Exhibit XXXX ) Unauthorized lender, unenforceable and uncollectable loan in Florida ( XXXX. XXXX ( XXXX ) ) Chase Bank Claim Number : XXXX - XXXX XXXX XXXX A letter of XX/XX/year> from the Chase Bank Executive Office ( Exhibit 40 ) admits Chase Bank used my Social Security direct deposit to pay {$1100.00} to 605 XXXX XXXX XXXX XXXXXXXX. This admission by Chase Bank establishes probable cause for a violation of 560.125 ( 5 ), a 3rd degree felony. 560.125 also provides for criminal fines ( 6 ) and civil penalties ( 7 ).

See my 36 page complaint and Exhibits 1 through 62