davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I will never stop refilling complaint to the EXPERIAN for allowing the fraudulent accounts and for not taking corrections on my credit report despite the multiple request I sent. I have my dispute letter dated XX/XX/year>, XX/XX/year> and XXXX XXXX, alongside with this complaint is the identity theft report number XXXX.They allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2024-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: W&A Intermediate Co., LLC (OH)

I started getting calls from collections agency regarding a pass hospital bill about XXXX months ago, I actually filed bankruptcy back in XXXX and this bill was part of this bill they are continuing to try to collect on, I have satisfied my XXXX plus years of paying my bankruptcy agreement in XXXX, and it has been Discharged with the satisfactory payments to all my debtors. However this collection company ( Wakefield and Associates debt collectors ), Continue to call me, I have spoken with them and they confirmed that they in fact have records showing that they don't understand why I received call since this in fact had been paid through my bankruptcy, but I continued to get calls from them several times after I spo with them and I continued to speak with them, asking to please remove me from these calls, so now when I call them back from their missed calls, ' they tried to say they didn't call me ', but as I explained to them, " why do they think I am calling, because I had a missed call from them ' they still trying to deny they called me even though they confirmed the number I dialed is in fact their Offices number '. So I blocked those numbers they continue to call from, so today they started 'Texting ', this is very stressful and I believe this is causi g me undo stress, I want to file a formal Complaint please.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX 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
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 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 reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Upgrade, Inc. (PA)

On XXXX I called Upgrade Bank and asked to have my account closed. They customer service lady told me you have XXXX in your account still. I asked ok Just close my account please she said OK within 15 Days your account will be closed providing you spend your XXXX. Ok No problem I said so the account is closed she said just as soon as I read the privacy statement first, I said OK go ahead she read the statement to me. After reading the statement to me I told her I will go to the store and clear out the XXXX and I did within 15 minutes after this call. on XXXX Friday I received an email that said you have rewards XXXX Dollars someone put back into my account after the account was closed on XXXX. So, I made another call telling the customer service rep for Upgrade Bank on XXXX that my account was closed on XXXX she said you have XXXX dollars that we put into your account I said why? The account was already closed on XXXX o I can't close it because now you have XXXX Dollars on the account, I said that's not my problem you people knew that I closed this account on XXXX. I cut the XXXX card up on XXXX I have asked several times to have this account closed next step is my free attorney with a lawsuit against upgrade Bank if this does not get resolved. XXXX XXXX.
Consumer complaint received 2024-10-08
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: TD BANK US HOLDING COMPANY (MI)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Michigan Laws Dear NORDSTM/TD, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as governed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Mich

igan identity theft and credit reporting laws, including the Michigan Identity Theft Protection Act ( Public Act 452 of 2004 ).

It has come to my attention that NORDSTM/TD has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Michigan state law offers additional protections against identity theft and unauthorized use of personal information, as outlined in the Michigan Identity Theft Protection Act. This law emphasizes the necessity of ensuring that no personal or financial information is used without the clear consent of the individual concerned, and further outlines penalties for those who fail to comply.

I assert with complete certainty that I have not provided consent for NORDSTM/TD to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a disregard for federal and Michigan state laws.

I demand, with the utmost certainty, that NORDSTM/TD immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Michigan Identity Theft Protection Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws in Michigan.

This is not a discretionary request but a legal obligation under the specified sections of the FCRA and Michigan law. This demand for compliance ensures the protection of consumers like myself from unauthorized and damaging credit reporting practices.

I expect your immediate attention to this matter and anticipate that NORDSTM/TD will promptly rectify these egregious violations, fully respecting my rights under both federal and state laws. 

Done in good faith.
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I was charged a {$25.00} late fee on a statement that was {$25.00} itself. 

The only communication I received from the bank was when the statement was issued. No further notifications were provided regarding the balance being unpaid. It sounds like the bank now requires customers to actively opt-in into such notification which was not the case in the past. 

I would always receive notifications about the balance due and a late-fee reminder. 
Obviously it is not in their interest for customers to pay their bills on time, so I believe the new practices to be unethical. 

I have inquired the bank about waving the fee out of their goodwill, but the request was declined. 

American Express used to be a great bank with one of the best customer services in the industry but now they are just as shady as most other banks.
Consumer complaint received 2024-10-24
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)

In XX/XX/year>, I discovered that XXXX XXXX had reported a fraudulent account under my name to the credit bureaus. The account number XXXX was reported without my authorization, and after contacting XXXX XXXX, a representative confirmed that the account did not match my personal information and was fraudulent. Subsequently, Experian removed this fraudulent account from my credit report. 

However, despite this resolution, in XX/XX/year>, XXXX XXXX reported another fraudulent account under my name, this time with account number XXXX. I contacted XXXX XXXX again, referencing their identity theft dispute case number XXXX, but the fraudulent account remains on my credit report. This continued reporting of false information is a violation of the Fair Credit Reporting Act ( FCRA ). 

I also have recorded telephone conversations from XXXX XXXX stating that he will flag the account as fraudulent. 

I have taken all appropriate steps, including filing an identity theft report with the Federal Trade Commission ( FTC Report Number : XXXX ) and contacting the credit bureaus, yet Affirm continues to report inaccurate and fraudulent information under my name, which is negatively impacting my credit.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

I have an account with Chime, social security recently tried to deposit my back pay check on XX/XX/XXXX, at that time my name on my account was different than the name on my check because I had recently changed it and forgot to update it. 
I went through the process to change my name and was assured it would go through. Another two weeks go by with me calling every single day and every time they said they didnt see any deposits whatsoever. When I spoke with SS they assured me they had resent the check 4 times and it kept being rejected. Nobody once in this time frame communicated to me that it was being rejected. XXXX  of last week, I finally got someone to tell me that they were rejecting it because SS had my name as XXXX XXXX Not my full middle spelled out and my account had my full middle spelled out. Even SS said that shouldnt matter. During this time, while we keep expecting money to show up, my spouses account with a different bank has gone negative {$2000.00} leaving us without any money for food or my medications that keep me alive. I have attempted to call Chime every day about this and they have been completely unhelpful, rude and uncaring that their mistakes have now caused my family to be without food or XXXX. They refuse to do anything to help and insist they do not have a legal team to handle disputes.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

The company is portfolio recovery. They have been calling me non stop for years now. And they lately keep calling me from spoofed numbers which is illegal. If you try to call the numbers back it just connects you to a random person phone. I have asked them multiple multiple times on the phone and through chat on their website. They just block you so you can no longer chat with them but they think its ok to just keep calling you all day from spoofed numbers. The last two guys started using profanity and threatened me and called me horrible names. These people are lowlifes and I want them to stop calling me I do not even owe whatever they are trying to say. I told them to stop they will not some of the spoofed numbers lately are XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX I could go through my phone and make a way longer list. I am prepared to pay for a lawyer yo sure these people this should be illegal I want them to stop calling me.
Consumer complaint received 2024-10-11
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

I was notified by email that I owed {$1700.00} on XX/XX/23 for an apartment complex named XXXX XXXX. I asked for the validity of the charges, dates, and proof of agreement and never received it.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (DE)

Dear Jefferson Capital Systems, I am writing to formally request validation of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not recognize this debt and require proof that I am legally obligated to pay it. Specifically, I request the following information : The amount of the debt : Please provide a complete breakdown, including any interest or fees.

The name of the original creditor : Identify the original creditor, along with any documentation showing the transfer of the debt to your agency.

Proof that you are legally authorized to collect this debt : Provide documentation demonstrating that you have the right to collect this debt on behalf of the original creditor.

Verification that the debt belongs to me : Include any signed agreements or contracts that clearly show I am responsible for this debt.

Under the FDCPA, I am entitled to receive this information before any further collection activity takes place. Additionally, until this debt is properly validated, I ask that you cease all collection efforts, including reporting this debt to any credit reporting agencies, as doing so without validation is a violation of federal law. 

Please consider this a dispute of the validity of the debt, and do not contact me further regarding this matter unless and until you provide the requested validation. Failure to validate this debt will be interpreted as your inability to provide proof of my obligation to pay, and I will consider the matter closed. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-08
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: Block, Inc. (FL)

I disputed a charge that I didnt authorize its been over 30 days and i have reached out to multiple cash app associates and no one has been able to give me any information. The money that was taken from my account was not small and i fear that the company does not want to refund me.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-03
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: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am composing this letter to formally file a complaint about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

On XX/XX/2024, I responded to a targeted ad on my account login. I have a checking account and IMMA with Citi. The promotion was for {$100.00} with XXXX XXXX of {$250.00} for two months. I signed up in XX/XX/XXXX and had XXXX {$250.00} deposit XX/XX/XXXX and the second {$250.00} deposit XX/XX/XXXX. 

I have not received the {$100.00} promotion from these activities. 

I visited my local branch in XXXX XXXX, CA and my banker said that I was not eligible, but I did have a targeted ad and I did click enroll and the website did confirm that I had enrolled in the promotion. I also fulfulled the XXXX deposits of {$250.00} for XXXX consecutive months as was required. 

I will attach screen shots that I took on the day that I enrolled my account.
Consumer complaint received 2024-09-03
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: Experian Information Solutions Inc. (MD)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-08-26
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. (GA)

On or around the following dates, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, I respectfully requested to be provided proof of the alleged items listed on my credit report, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed items are entirely inaccurate and incomplete, and as such represent a very serious error in their reporting. 

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 2024-09-03
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: Experian Information Solutions Inc. (FL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.