davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MO)

I received a call from the XXXX XXXX customer service number XXXX they introduced themselves as XXXX XXXX with the fraud dept, gave me a case number and badge number. Said there were multiple attempt to transfer funds from an IP address from my account. They were, blocked but they had me long in to verify they had not posted. To secure my account I was requested to use zelle to hold my funds in a pending state while the set up new account information. I was assured they would remain in a pending state and no funds would transfer. By using the friends and family option those funds would be immediately released back to my account and this was the only way to hold them in a pending state. I had never used Zelle so i was entirely unfamiliar with the process that company had in place. This was 20 minutes into the call. Everything seemed legit, I had just had  fraud charges attempted a few days prior through a gopuff.com website. This call seemed no different than the one I had placed a few days prior. I assumed the bank was keeping an eye on my account due to the recent fraud. The man on the phone was american, friendly, reassuring, and knew enough to convince me he was the bank. He walked me screen by screen through the process of the zelle transfer using XXXX XXXX at XXXX as a test account contact. When I told him that showed me a name of XXXX XXXX, he said they needed to use a different contact of XXXX XXXX at XXXX for the test account. I was assured no money would be transferred, but the amount had to be high enough to flag and ensure my notifications would alert me in the future. I was hesitant but he was very reassuring. Given how this transaction was posted there is almost XXXX chance I will get my money back.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MS)

Wells Fargo is not reporting my mortgage payments at the amount of XXXX monthly to the credit bureaus since the year XXXX. They stopped reporting it when I had to file for the covid relief bill when I had to stop working because the Restaurant I was working at had to close because of covid. It's showing WFBNA Home Lending closed XX/XX/year> I make my mortgage payments on time in full so please help me get this put back on my credit report
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (GA)

Spring Oaks Capital NEVER provided proof of notification of debt, proof of certified letter sent via mail to me. I need to see the proof. Proof of debt purchase, notification, proof that they acquired this debt, proof that they had 5 days according to law. Without proof they shall remove the trade line from any and all consumer reports. They must prove notice via certified or notarized documents.
Consumer complaint received 2024-06-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I took out a car loan from Bank Of America. I didnt receive a way to pay until the first bill was already past due. When I tried to pay the bill online or in person I wasnt able to due to not having a banking account with them. They asked for either cash or a check. The cash amount requested is larger than I am allowed to withdraw from my bank, and I do not have checks. I do have a checking, savings, and money market account to wire money from and a debit card, but they refuse to take any of those forms of payment, despite being a bank. I have the money to pay them, but are evasive to make it so I can not give it to them
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Mercury Technologies, Inc. (PA)

On XX/XX/year> I received an email stating my account was being looked into and they wanted me to verify an incoming deposit. My funds are now locked and Today XXXX, XXXX 2024 I received an email stating my funds are being withheld. {$4100.00} is my total balance across all my checking accounts with XXXX XXXX  and XXXX.
Consumer complaint received 2024-07-04
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (AL)

Central Portfolio Control called me to for a debt on a loan that they said was mine without contacting me with a letter my mail first. I requested they send me a copy of the loan documents with my signature on it but the documents sent had another parties names and signatures. Also my printed name is on one of the pages with an email address that is not mine.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (AL)

I'm in the process of buying a housed I realize I had damages on my credit report. According to the 15 USC 1681 law there should not any damages on my credit report it is defamation to my character.
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO. XXXX
Consumer complaint received 2023-06-08
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. (FL)

Months ago, I sent the three credit bureaus a letter asking them to remove this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (CA)

I received a notice from my credit reporting monitor service on XX/XX/year> that a " hard pull '' was pulled on my credit report from Barclay 's Bank. About XXXX minutes later, my wife got an email ( addressed to me by name but e-mailed to her email address ) stating that an application was processing for a JetBlue card. 

Neither of us applied for this card. I called the fraud dept. at Barclay 's and they found the application number with my social, and it had our home address as the mail to address for the card, as well as my full legal name and phone number. So this was a legitimate application made with my information, but was NOT made by either myself or my wife. I do not know how my social security number was obtained, but it was certainly used as there is a " hard pull '' on my credit at XXXX. It appears that either XXXX got hacked or they suffered an internal malfunction triggering credit card applications.
Consumer complaint received 2024-06-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NY)

In XXXX, I applied for the New York Emergency Rental Assistance Program ( NYERAP ) due to financial hardship caused by the XXXX pandemic. Despite my eligibility and approval for the program, my landlord, XXXX, failed or refused to accept the rental payment through the designated portal. According to ERAP guidelines, this non-acceptance should have removed the debt responsibility from me. 

Instead, the unpaid rent was reported as a debt on my credit report and subsequently sold to a collection agency, Hunter Warfield. This inaccurate debt has been listed on my credit report from XX/XX/XXXX to XXXX XXXX XXXX, despite my repeated disputes. 

I filed a dispute with XXXX, providing all necessary documentation, including proof of NYERAP eligibility, approval, and evidence of the landlords refusal to accept the payment. However, XXXX has not corrected the error, and my credit report still shows the disputed debt.
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC (NJ)

I am writing to formally dispute the accuracy of the information reported by Continental finance to the credit reporting agencies regarding an alleged charge-off on my account. After reviewing my credit report, I discovered that this information is both inaccurate and misleading, constituting a violation of the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit reporting agencies and furnishers of information, such as Continental finance, are required to ensure that all information reported is accurate and complete. The alleged charge-off reported on my account does not meet these standards. 

Because of this account being erroneously reported my credit has been negatively affected.
Consumer complaint received 2024-06-12
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivable Solutions LLC (NC)

This debt collector has called multiple times, from a ( XXXX ) XXXX soliciting for payment of a debt unknown to me. Ive repeatedly asked for validation to no avail. They always hang up before I can finish my request to remove the number, and not call anymore.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I placed an order with XXXX XXXX on XX/XX/year>. It was for {$2100.00} for numerous power tools to be delivered at my house. Two days later, five of the 12 packages arrived at my house. Of those five tools, one was damaged. After weeks and constant contact with XXXX XXXX, I was able to get no where as they just kept saying we are still investigating. I contacted Huntington fraud department as I used my debit card and filed the charge as fraudulent. I continued to work with XXXX XXXX and had to open a XXXX XXXX XXXX complaint to get someone from XXXX XXXX to call me that was able to do something. After working with them, they agreed that the packages were either lost or were not shipped and provided me with labels to return the five items i did have. I shipped those five items back and the paperwork send to Huntington shows that. When I filed the fraud charge, I was given a provisional credit. They denied my claim and so I filed an appeal and included all of my information. Two weeks later leads us up to today and they have since taken the provisional credit out of my account and nobody at Huntington can tell me why as they agree that it shouldnt be taken but can not do anything about it. Now they will charge me for being overdrafted and XXXX only knows what other fees because something went wrong in their system.
Consumer complaint received 2024-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (CT)

On February 14, 2024, I mailed a dispute letter to Aldous and Associates via USPS certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), requesting an investigation into inaccurate items on my credit report. The account in question is reporting inaccurately and with incomplete information. Specifically, I requested that Aldous and Associates provide the following information : Date of Delinquency : In accordance with the FCRA, I am requesting information on the date of delinquency associated with this account. Specifically, I seek clarification on the date of delinquency provided by the original creditor. Please furnish the accurate date of delinquency as per the records from the original creditor. This information is crucial for a comprehensive understanding of the account history. 

Full Payment Status : If the debt associated with this account has been fully paid, I request detailed information on how this circumstance affects the reporting of this account to Credit Reporting Agencies ( CRAs ). Please provide a clear explanation of the current status of the account in light of the full payment, including specifying the reporting status, duration, and any other relevant details to ensure accurate and compliant reporting. 

Proof from Original Creditor : I am also requesting that you obtain and furnish me with the proof from the original creditor that substantiates the date of delinquency. This may include but is not limited to billing statements, correspondence, or any other relevant documents that establish the original date of delinquency. 

Despite my clear and thorough request, I have not received any response from Aldous and Associates. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a creditor is disputed by the consumer, the creditor must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Aldous and Associates have violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that creditors must ensure the accuracy and completeness of information in consumer credit reports.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 formally requesting that you include the following fraudulent ITEMS to be removed from the Credit report. 

EXPERIAN : 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 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 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 2024-06-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

account closed XXXX date last paid XXXX account charged off account written off account still has {$520.00} balance reporting on my credit report no reported notice of dispute re aging old collection XXXX consecutive charge offs reporting up until currently manipulation of the statute of limitation it is important to have accurate information that shows my true credit history
Consumer complaint received 2024-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (CA)

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 that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation (PA)

Place of employment closed and then was unemployment so had no problems making the minimum payment. Ran out of unemployment so I fell behind a month on the credit card bill. Come to realize, I have credit card protection which I didnt know I had. Called to ask about how to get in contact, just to get hung up on. Called again, gave me a transfer number. Called that and got info to send via email to prove my circumstances. Sent it, basically two months later I'm still waiting as everytime I log into the account it still says pending documents. I sent them also, dude on the phone said they wouldn't go back to the prior month I was past due when the terms and agreement clearly state it goes back to the loss of income.
Consumer complaint received 2024-08-13
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. (LA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX  : XXXX has violated my rights. 



I looked at my XXXX, XXXX, and Equifax credit reports on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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- ( 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 i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 accounts is inaccurate.
Consumer complaint received 2023-07-24
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. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-06-21
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. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.