davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

On or around XX/XX/2023, and XX/XX/2023 I sent letters via certified mail that also included a copy of my driver 's license and a utility bill to verify my identity to Midland Credit Management. I sent the letters after I obtained a copy of my consumer report and I saw that they were reporting a debt. I requested verification that shows it was me who owed the debt. I requested to have the documents with my original signature as I am a victim of identity theft and have identified several names and addresses on my consumer report. Midland Credit Management has failed to provide me with the proper disclosures for verification of this debt however they continued to send letters and call me to collect on a debt that I do not know of.
Consumer complaint received 2024-04-16
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. (NY)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Go Capital Holdings, LLC (CO)

GO FINANCIAL Auto Loan with account opened on XX/XX/2014 and a balance of {$0.00}. 
I previously disputed this account stating : ''The current payment status of 30 Delinq is incorrect because the balance due on this account is {$0.00}. The company has failed to update my credit report or provide proof of the investigation and proof of the negative payment status for this account, or delete the negative information from my credit report.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (CA)

This is now the 3rd complaint Im filing. Wells Fargo closed my account after someone FRAUDULENTLY deposited a check into my account which was made out to I assume themselves or a fake name. The check bounced and Wells Fargo closed my account and now is holding me accountable for the money that was FRAUDULENTLY deposited and then FRAUDULENTLY withdrawn from my account. How am I expected to pay back money I never touched or had knowledge of?
Consumer complaint received 2023-12-11
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: EQUIFAX, INC. (NJ)

I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-16
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-16
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. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

For the second time in 6 months I have had XXXX XXXX  close an account that was in good standing with a low or XXXX balance. This not only has a negative affect on my credit report it is also INFURIATING in the event that I need to use the account. 

The Lowes account was the first one - they lowered my credit line from XXXX to XXXX which at the time was only XXXX over my balance dropping my score 70 points and causing an issue with the purchase of my home. 

The next instance is with my XXXX 's account which had a XXXX limit and NO balance. They closed this and never even notified me. I fond out when I logged in to pay on another account. 

There is NO reason to close off my account without any reasonable explanation or notice. The Lowes account " excuse '' was that there was a change in my credit profile. The only change at the time was that I shopped for a mortgage loan. That should not affect my existing lines of credit The XXXX 's incident I am told is because there was no activity on the account. Because I don't buy furniture every day there would be no ongoing activity on the account HOWEVER having the account open and in good standing is a POSITIVE thing on someone's credit. NOW because the COMPANY closed the account it will have a VERY negative impact on my credit. 

I want an account reopened at the credit limit of XXXX with NO credit pull and NO negative impact to my score. The closed account will need to have the reporting corrected so as not to show that the company closed it - it needs to read account number transferred. Additionally I have a Care Credit account which I keep for medical emergencies - I would like this and any other account with Synchrony protected from closure. I would hate to get to an emergency room and find out they closed another account. 

The customer service person told me he was not able to open a new account or transfer my account to a new number. As far as my Care Credit account which I use for MEDICAL EMERGENCIES - he stated that I need to use the card by XX/XX/XXXX or I run the risk of that too being closed. If I have a medical emergency and I need the card apparently I will find out when I get there? He said " basically yes that is correct '' then I asked him so I have to have a medical emergency in the next 6 months? He said " technically yes '' THIS IS TOTALLY AGAINST THE FAIR CREDIT REPORTING ACT. 


The supervisor 's name I spoke with in XXXX XXXX XXXX # XXXX the other XXXX I spoke to was " XXXX XXXX '' who did not provide his associate number.
Consumer complaint received 2019-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Is my money really safe at Bank of America? Check this out : *** On XX/XX/19, around  XXXX, I deposited {$3600.00} at the Outside Drive-thru ATM ID # XXXX ( SEE PHOTO ENCLOSED ) that belongs to the Bank of America Branch located at : XXXX XXXX XXXX, XXXX, Fl XXXX. I deposited a single stack of bills ( 36 bills of {$100.00}, and 3 bills of 20.. It took a while to process, when it gave me back 2 bills of {$100.00}. Then, it gave me a screen error, which quickly disappeared, and it finished without giving me any receipt, I waited there for a few mins., hoping it would return the rest of my money ( {$3400.00} ),, That's when it hit me : IT SWALLOWED the rest of my Money : IT SIMPLY STOLE {$3400.00}!!! I was in shock, and have become UPSET, WORRIED, SCARED, ANXIOUS AND XXXX  since that night. 
*** ABOUT XXXX, a few mins.later, and still parked in front of that DRIVE-Thru ATM, I went ahead and called Bank of America Customer Service, and was told I would get a {$3400.00} Temporary Credit on my Checking Acct., which I ended up getting the next day, on XX/XX/19. However, on XX/XX/XXXX, BOA took the money away from me, by applying a " TEMPORARY CREDIT REVERSAL '' OF XXXX.. Then, next day, onXX/XX/XXXX, I quickly went to the BOA branch at XXXX XXXX. in XXXX, FL. I spoke to Branch Manager XXXX XXXX, who made a phone call to a Customer Support Associate " XXXX XXXX '', who told me she would re-open the claim for me, and to call back in a few days. However, as of today, I am short {$3400.00}, since she didn't even give me a TEMPORARY CREDIT '' this time. 
BANK OF AMERICA : WHAT KIND OF GAME IS THIS, AND WHY ARE YOU PLAYING WITH MY MONEY ...? 
*** BANK OF AMERICA : IT'S NOT MY FAULT THE REST OF MY DEPOSIT ( {$3400.00} ) IS MISSING AND WAS SWALLOWED BY YOUR DRIVE-THRU ATM mentioned above, and that no-one in your Customer Service, or at the Branches have the authority to help me. If you don't want to check the video, that's your problem. I'm tired of waiting, and need my $ $ for my basic needs as well.

*** Therefore, I am giving you a fair last chance to fix this problem by escalating this issue to Corporate Level, I demand my {$3400.00} to be credited to my account within a few days from this letter, and also a confirmation letter from you before it may become a possible " PUBLIC RELATIONS '', or a legal ISSUE.

Be ethical, Bank of America, DO THE RIGHT THING RIGHT AWAY!
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-04-16
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. (GA)

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (CA)

On XXXX XXXX, I paid my credit card balance of {$880.00}. On XXXX I paid {$700.00}. On XXXX XXXX, I paid {$200.00}. The limit on the card is {$1000.00}. The total amount of charges after the XXXX is {$440.00}. When the {$200.00} is applied, the total comes to XXXX. My account stands around {$700.00} owed and XXXX can not explain the mathematical variance. On XX/XX/2022, I called and voiced my concerns and the service rep calculated a {$600.00} variance. A supervisor was requested and they both agreed that somehow ( explained by the holiday ) the payments hadn't been processed yet but I would see the balance drop after the holidays. They said if not, call back. I called back and they completely changed narratives.
Consumer complaint received 2023-07-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I contacted Experian 30 days ago via certified mail about the information on my credit report that was not accurate. I sent them my credit report I got from them with the section highlighted that was inaccurate. I also sent them a copy of the information from the Pacer court system to collaborate on the errors. I asked them to delete it according to the Fair Credit Act. So far no response.
Consumer complaint received 2024-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation (TX)

Regional finance cashed a fake check in my name. I reported this with my bank. I reported it with regional finance and I reported it with the credit unions 3 to 4 years ago. There is no activity on it but the increase in balance continues to go up and it continues to affect my credit score.
Consumer complaint received 2024-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (NJ)

I was looking to rent an apartment. I saw a listing that advertised a 2 bedroom apartment for XXXX a month. Around XX/XX/XXXX. I messaged the seller and we begin talking about renting the place out, he asked for a security deposit before I was able to see the place. Out of desperation I sent XXXX dollars for an application fee as well as XXXX dollars for the security deposit. When I asked to see the property the person advertising said that I needed to send him more money for paperwork. Thats when I realized I was being scammed and requested my money back. He said I have to pay XXXX dollars to get it back so I sent it to his XXXX XXXX which I have. Unfortunately he never sent me my refund so I told him I was going to get the police involved. He stopped responding to me. I have text messages showing our agreement. I also have a picture of the property he listed. And I also filed a police report # XXXX. Also the person who was involved was a guy named XXXX XXXX. Thats the person who received my XXXX through XXXX XXXX. My bank declined my case although I have all the information indicating that I have been scammed
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NJ)

I received my XX/XX/XXXX XXXX credit report. On the report it showed Jefferson Capital System, XXXX XXXX XXXX XXXX which was the originally the debt. It was in the amount of {$510.00}. I immediately called XXXX to report this information as Fraud. I was especially concerned because I had locked my credit report locked last year after becoming a victim of identity fraud then, approximately spring of XXXX. After speaking with the agent he said this debt became delinquent as of XX/XX/XXXX and was recently purchased by Jefferson Capital System which I believe is a collection agency. 

Jefferson Capital System ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX MN XXXX
Consumer complaint received 2024-04-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (GA)

A fraud claim was filed against me from a client of mine. No one at Navy federal contacted me, emailed me or sent a message through my online banking. How I found out they had my funds on hold was because I called and asked where my money was. I was told it was on hold. I asked why they could not tell me anything. My thing is I have been with Navy federal for years. I have put {$30000.00} to {$60000.00} in the account monthly. When I asked about why no one has let me know of the claim to see if I had proof they told me to go to court. I said why would I go to court and I did not file the claim. Not only did my checking have a hold on it a hold was placed on my son savings account and he has his own account that is not mine. When I called they could not tell me anything. I was told on XX/XX/XXXX by a supervisor to upload my proof verifying my innocence she walked me through it and they still did nothing. They did not fight for me I had proof that it was not fraud and that I provided services to the individual and no one cared no one wanted the truth. Today XX/XX/XXXX my funds where withdrawn from my account and sent to the guy who filed a false claim against me. Without anyone fighting for me. I went to XXXX XXXX XXXXXXXX and tried to submit the proof to the bank that filed the claim they told me that I need to submit it through my bank but Navy Federal has refused to accept any proof from me. My son is in XXXX  and they have his account blocked as well. This is unfair and I am seeking justice and better laws and I would love for an attorney to assist me with bringing down banks who do jog protect the consumers
Consumer complaint received 2024-04-16
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. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-16
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. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MO)

This notice serves to alert you that you are improperly reporting an unauthorized inquiry on my consumer report. I have not authorized you to access my credit profile, and there is no legal basis for you to contact third parties and obtain my private information.
Consumer complaint received 2015-04-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar has a sale date on my home for XXXX XXXX, XX/XX/XXXX the Notice of XXXX was filed illegally with the wrong amount on it. The past due amount we were given was {$230000.00}, the Notice of Default which was filed 5 days prior the amount was {$310000.00} there was a XXXX difference increase without any justification. We challenged the validity of the debt which was never resolved, our loan was transferred by XXXX XXXX XXXX without a decision for 3 years to Nationstar, we filed a complaint # XXXX on XXXX/XXXX/XX/XX/XXXX The Notice of Default trustee was XXXX XXXX XXXX XXXX. The Trustee has changed to XXXX XXXX XXXX XXXX XXXX XXXX without any notice of a change of Trustee.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KY)

I have contacted XXXX and Experian by mail on XXXX separate occasions about correcting my personal information. I have sent in multiple copies of my identification card and my mortgage statement showing the correct name and address. They are refusing to update this information which is linked to multiple negative accounts that DO NOT belong to me! This is damaging my credit report as I have not been able to apply for anything in the past 2 years.