davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
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: ENCORE CAPITAL GROUP INC. (CO)

We like every other American have been having the same issues as everyone else. We have a child so we have to pick and choose. We have worked with Midland Credit Management many different times. We have actually paid old credit cards off. Right now I just found out that I have a XXXX XXXX so we are dealing with a ton of medical things right now. We will for our child first. It is not our fault that the country and our economy is the way it is. We are not made of money, Our mortgage was just raised a XXXX XXXX XXXX XXXX, I am unable to work right now do to my XXXX. So please they need to stop bothering us, we all get things done. I do not need this extra stress right now. Some of us can not help the fact that interest rates are insane and no-one in this country can keep up with anything!
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

I went to First Citizens Bank to send money from my XXXX account to my client who is in XXXX on a business trip. He now needs medical help so he asked I send money to him. My bank branch manager refused and then blocked my account. 
They promised they would send the money if I brought cash in. They stoped the transfer in the middle and refused to continue. They lied multiple times.
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: DISCOVER BANK (PA)

Its been over 30 days and the creditor has not updated the information nor have they provided proof or documentation in regards to late payments they have not supplied this information and they must delete alleged late payment from credit report under federal law they had 30 days to complete investigation and by failing to do so the item must be deleted as soon as possible
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NC)

Hello XXXX, This morning around XXXX, I received a notification that my account was restricted, and my card was dubbed. I called XXXX immediately to find out why and Im met with a very rude and obnoxious customer service worker. She put me on hold for a while and then finally came back to the phone and just started to begin reading a disclosure out to me -- it felt like I was being arrested or something, it was dramatic. 

I responded requesting more information about how to retrieve my funds she rushes me off the line and hangs up. It's the beginning of the month and I have bills to submit. Not only is this careless on their end, it is unacceptable. I'm writing you today to make you aware of a problem that many have reported and is continuing. I also need them release my funds like yesterday. 

Thank you.
Consumer complaint received 2024-06-11
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: OneMain Finance Corporation (CO)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ONEMAIN - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-07-11
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. (GA)

I recently had my credit card account closed do to unknown authorization purchases, which later got my account in the negatives. My balance was {$730.00}, started paying on the card to get it removed off my account. So my most recent payment towards the card was {$130.00} on XX/XX/2023, now bringing my account to {$590.00} and I plan to make another payment before the actual due date which is on the XXXX of every month. After filing many disputes with Experian its still showing the credit card account as opened and its continuing to drop my credit score and its reporting INCORRECT BALANCES. For some odd reason it reported that I missed a payment this month when I already paid it, so now my score has dropped AGAIN FOR NO REASON.
Consumer complaint received 2024-04-18
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. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX ) Please contact XXXX to speak to their legal department on the above info with the first listed email. This individual is responsible for hacking several XXXX accounts and stealing multitudes of XXXX XXXX tickets into his personal account, then immediately reselling them via non-protected payment methods by offering to send tickets first. The stolen tickets eventually get revoked out of the buyers account. They have scammed several people out of thousands and thousands of dollars. I was advised by XXXX to open a police report with my local department because then you'll then be able to use this info to contact open police reports in the US. By calling XXXX, youll be able to speak to the legal team to obtain the open fraud case, address, cell number, and etc of the individual if police/investigator/etc I have an open police report for claims of {$24000.00} that he swindled me for with fraudulently stolen tickets that will be revoked from my XXXX account - I am out the money for the tickets and the tickets themselves. Devastating.
Consumer complaint received 2024-06-11
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: WELLS FARGO & COMPANY (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are 6 inquiries on my credit report that I disapproved. 15 USC 1681n these must be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not permit these companies to run my information. My identity was stolen and also per 15 USC 1681n, these are not to be on my credit report. Also Section 611 FCRA 15 USC code 1681c-2 and 15 USC 1681s-2 are not to be added to my credit report.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (CT)

I am writing to dispute a collection account that has erroneously appeared on my credit report. This account pertains to a business that is not associated with me personally. The business in question closed due to the impact of COVID-19, and the XXXX account should not be reported under my personal credit history. 

The account in question is listed under the business name and is not linked to my individual Social Security Number or personal liability. Reporting this account under my personal credit profile is not only incorrect but also potentially damaging to my creditworthiness. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and verifiable information. The FCRA stipulates that any information that can not be verified must be promptly removed from the credit report ( 15 U.S.C. 1681i ). Given that this account is not mine and pertains to a business entity, it is imperative that it be removed immediately. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) mandates that debt collectors must ensure that they are reporting accurate information. Misreporting a business account under my personal credit is a clear violation of these statutes. 

I demand that this collection account be investigated promptly and removed from my credit report within the legally mandated period. Failure to do so will leave me no choice but to seek legal recourse to enforce my rights under the FCRA and FDCPA. This may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially pursuing litigation for damages caused by this inaccurate reporting.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

To whom it may concern. Accounts XXXX  XXXX XXXX XXXX {$1400.00} midland credit management {$630.00} midland credit management {$690.00} XXXX XXXX XXXX  {$2900.00} I have received a copy of my credit report. To my surprise you are reporting this accounts incorrectly. This collection accounts are reporting not only open but also show past due balances. According to FCRA I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. Sincerely XXXX XXXX
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-01-27
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I usually look at my credit report often but I havent recently because I thought my credit score was still in the XXXX range which is fair. I went on my XXXX XXXX and my credit was at a XXXX, I look to see why and I see XXXX hard inquiries and I didnt authorize any of those places to run my credit through so many companys because I know personally that they will affect my credit score. I find this very unpleasant because I personally did not tell any of those places to do such!!
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX & Account Number : XXXX Please remove it from my credit report. 
4. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX  XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX Account Number : XXXX Please remove it from my credit report. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX
Consumer complaint received 2024-04-18
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: 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 items ( 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 immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: DIGITAL FEDERAL CREDIT UNION (FL)

In accordance with the Fair Credit Reporting Act. The listed account below has violated my federally protected consumer rights that prohibit creditors and credit reporting agencies from imposing late fees on accounts affected by identity theft under section 15 U.S.C. 168. Loan Payment # XXXX, Digital Credit Union has violated my rights. Section 605B and Section 609 ( e ) state that any resulting late fees should be promptly removed if fraudulent activity occurs on your account due to identity theft. I have the right to dispute inaccurate information on their credit reports, including late fees resulting from unauthorized transactions. ( 5 ) Section States : no consumer report containing reporting agency makes 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 2024-06-06
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX. I opened a Citibank Savings account through my CC portal. 
I was approved. I initiate a {$50000.00} transfer from this CC site. 
I received a debit card on XX/XX/XXXX. When I tried to activate the card, I was referred to Citi fraud Department. When I called, they would only tell me the account was closed and I will be receiving a letter explaining the details and will return any funds due in 60 days. They still will not tell me the reason for the closure. Our credit is excellent. 
I've called many times, escalating my case, to supervisor XXXX, then Manager XXXX. I was given conflicting information with each call. 
First we were told yesterday the case should be resolved by XX/XX/XXXX. and we can travel to a branch and withdraw our funds. Closest branch is XXXX hours away. Next we were told we can file a recall claim from XXXX, our bank. I went to our branch two different times and was told since this transfer was from Citi an internet debit payment, they were unable to process this claim. 
We need these fund to pay our bills. We are losing {$200.00} per month of interest earnings. We did not do anything wrong and are being punished for this slow recovery process. Please help.
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CO)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Once again, BofA has refused to follow my instructions to make a payment on XX/XX/year>, to XXXX to cover my credit card payment. 
This will lead to unnecessary fees. Bofa chose to send a check in the mail instead of an electronic transfer, in order to benefit from my cash position and capture the float, obviously. This is uncommon, according to XXXX. 
XXXX has still not received the funds.