davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
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. (NC)

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 number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX XXXX 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 instruction 's 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

On XXXX XXXX, 2016, we suffered a water damage and we received a check from our insurance company on XXXX XXXX for {$20000.00} that we were obligated to endorse to our mortgage servicing company, XXXX. They kept the money and sold it together with the loan servicing contract to Nationstar Mortgage LLC of XXXX Ohio on XXXX XXXX. We had asked Nationstar not to accept this money since it belongs to us. 
We do not owe any money to either the lender or the serving company. Our home is worth {$830.00} to {$850000.00} and our morgage is {$470000.00} at this time. 
There are no reason for Nationstar not to send us a check and of course we are becoming more and more frustrated since we had to pay for ALL the repairs ourselves in a time of need. 
We understand that it is a common practice of Nationstar as XXXX XXXX XXXX currently investigates Practices of Nationstar Mortgage With Respect to the Release of Insurance Claim Proceeds to Borrower. 
This creates hardship to us and we certainly would appreciate if you could give Nationstar a call to expedite the process, as we do not know at this stage whether we should call the attorney general to file a complaint for robbery. 
We thank you in advance XXXX and XXXX XXXX
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Hi I opened an account with Wells Fargo about two weeks ago, I had a friend who physically wired money owed, total was {$40000.00}. Wells Fargo representative reports the transaction as fraud, the money can not be fraud as I have proof of the physical wire sent by the sender. Wells Fargo representative says its a fraud transaction & the sender has requested for a recall. I have spoken with the sender and the banker who made the transfer. The funds were shown available and is still avail with wells Fargo charging me fees for the wire transaction, I was able to make purchases and transfers, wells Fargo has considered this transaction fraud, when I spoke with my legal representative he advised stating " that a fraud transaction is when the sender is unaware of the funds being sent, if the sender did change their mind. They can not state its fraud & ask for a recall, while a Wells Fargo banker named XXXX had helped her to make the wire transfer physically at the branch ". Currently Wells Fargo rep states that they reversing my funds, I need to escalate the matter, as the funds still show available in my account and I have no access to them as they state they are closing the account due to fraud, this is not fraud as I have attached the documents and have recorded calls with XXXX when she confirmed, that the money has been sent. I'm helpless at this point as I have no other account and have arrangements that need to be cancelled.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

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 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNRISE CREDIT SERVICES, INC (IL)

I am not liable for this debt with XXXX XXXX XXXX I don't have a contract with SUNRISE CREDIT SERVICE, they did not provide me with the original contract as I requested. Also the burden of proof falls on the collection agency not the consumer. I find it concerning that SUNRISE CREDIT SERVICE collections is not complying with legal requests. If SUNRISE CREDIT SERVICE can not provide proof they sent validation of debt, I demand this account be removed from my credit report as it is my right per FCRA section 623. ( a ) ( i ).
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-07
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. (MI)

On XX/XX/XXXX an account was fraudulently opened with XXXX XXXX XXXX  with a balance of {$770.00}. Experian Credit Bureau Continues to violate my consumer rights by reporting XXXX XXXX XXXX  on my credit report as a charge off. 
I have no knowledge of this account and I have continually disputed this account and Experian fails to verify accuracy of this account. Experian Credit Bureau Continues to violate my consumer rights by reporting this account on my credit report. 

I looked at my Experian credit report on XX/XX/XXXX 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 resonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b )
Consumer complaint received 2023-08-14
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am formally filing a complaint for the following accounts listed on my credit reports for the following reasons : XXXX. XXXX XXXX XXXX XXXX. a. Acct # : XXXX b. XXXX reported : XX/XX/22 XXXX. XXXX XXXX XXXX  XXXX. a. Acct # : XXXX b. XXXX reported : XX/XX/22 There are several issues concerning these accounts that make them fraudulent and/or illegal. The first thing, is there is no signed application. The applications were submitted online and no one can provide me an original application with my original signature. The second thing is the credit card agreements were not clear and conspicuous, according to 15 USC 1601. I was not able to make an informed decision regarding the terms of the credit cards and their use. The companies make the agreement so long and difficult to understand, I was not able to make an informed decision. According to 15 USC 1602, since there was no evidence of indebtedness at the onset, the difficult to understand agreement was the only document attempting to explain the terms of these consumer credit transactions. Therefore the only evidence of indebtedness was the agreement. The agreement did not provide clear and conspicuous " Adequate notice '' as defined in 15 USC 1602 ( k ). Since I was not able to make an informed decision, the agreement is null and void.
Consumer complaint received 2019-05-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Messerli & Kramer P.A. (ND)

Messerli & Kramer PA called me at my office at XXXX CT on XX/XX/2019 about a collection account owed by my wife. At no time had my wife authorized that number to be used, and I most definitely had not.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

On XX/XX/XXXX I mailed off dispute letter to both credit reporting agencies noted in reference to some late payments thats Ive noticed that were not accurate. I supplied the attached dispute letter, I have waited 30 days and have not heard anything back from the company. In the letter I also stressed the importance of the dispute and how I would seek monetary damages for the consistent neglect to the proper dispute process.
Consumer complaint received 2018-02-10
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: CITIBANK, N.A. (NJ)

One month delay in the payment in 2012 for the minimum of {$25.00} after or before every payment on time mail got missplace on a XXXX card
Consumer complaint received 2023-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

I am writing to report that my identity has been stolen and used to open credit cards under my name. I recently returned to the country after an extended period of time abroad and discovered that these accounts had been opened without my knowledge or consent. 

I have taken the necessary steps to address this issue, including filing a police report and working to clean up my credit. However, this identity theft has caused significant financial and emotional stress for me. It is alarming to know that my personal information has been compromised and used fraudulently without my knowledge or consent. 

I urge the FTC to take this matter seriously and work to prevent identity theft from happening to others. I also request any assistance that the FTC can provide in helping me to resolve this issue and restore my credit to its previous state. 

Thank you for your attention to this matter.
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX
Consumer complaint received 2024-05-07
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. (TX)

This grumbling to EXPERIAN was the after effect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Consumer complaint received 2024-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (GA)

I tired to dispute this debt with original creditor XXXX, who sold the debt to velocity investments, and now XXXX XXXXXXXX XXXX XXXX is the one handling it, but its on my report as velocity investments, Ive asked for them to remove this incorrect account from my report, it doesnt belong to me, and I would like to sue at this point. Im not even sure if they are allowed to collect on Ga debt. Its not mine and I need it taken off.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (LA)

In XX/XX/XXXX, I applied and was approved for the CitiBank Double Cash credit card. I did not use this card until XX/XX/XXXX. The credit card had a {$6800.00} credit limit. In XX/XX/XXXX, I used the credit card to cover the repair cost for my vehicle. Within one week of the transaction, I received an email from CitiBank informing me of the decision to reduce my credit limit to {$940.00}. The repair cost was {$910.00}. This decision drastically increased my credit limit usage ; therefore, negatively impacting my score. Because of this decision, my credit score dropped to XXXX from XXXX. My credit score is now deemed poor severely impacting any further chance of affordable lending options.
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: GLOBAL SOLUTION BIZ LLC. (AL)

This company has call me multiple times saying I owe a debt from them. I have no knowledge of the debt they refer to. They have made threats by sending a picture of the street I live on and contacted my family and friends. I have taken to someone name XXXX and he was rude and nasty over the phone when I told him I wasn't aware of the debt. I would like for this to cease before I take legal action especially after sending me pictures of my street address and tracking my location from our phone call. Remove me from you're system immediately!
Consumer complaint received 2024-06-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (NY)

my savings or checking account was closed by bank. I have balance in those account. Ally customer is refusing to talk to me. I called today- i provided all requested information. They are saying they can not verify my identity. and there is nothing they can do. I have made several attemps to resolve issue on my account. Ally is playing hardball and refusing to co-operate in resolving issues with the account. They problem started with a check being returned- since then ally indiscriminately cut off access to my account. they are not doing anything to help or provide any information
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (AZ)

I provided a copy from the IRS the 1099C and showing the Cancellation of Debt. I have been having problems with AMERICAN EXPRESS updated the system since XX/XX/year>, to have this corrected. Now my accounts are showing XXXX days late.
Consumer complaint received 2024-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (GA)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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. 

I told XXXX, XXXX, and XXXX to reinvestigate these accounts because there are several inaccuracies such as amounts, dates, and the other false information claims. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (IL)

This account was the result of identity theft. I have previously filed a XXXX report and a Police report. Both reports given to creditor. This account has also been disputed with all XXXX credit agencies. Creditor refuses to remove account and stands by that I must pay the account even if it's identity theft and will not remove this fraudulent account.
Consumer complaint received 2024-06-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (CO)

Opened 6 month CD. It was opened barely 2 months and BMO ALTO closed it WITHOUT notice ... guess, from what I'm hearing regarding their reputation, I'm fortunate I got my initial investment back! I have no clue how much interest they paid out and I did NOT receive any " extra '' monies ... meaning, HAD I CLOSED MY ACCOUNT BEFORE THE 6 MONTHS, I WOULD HAVE BEEN PENALIZED INTEREST... WHY DOESN'T THE BANKING INDUSTRY HAVE SUCH A PENALTY WHEN THEY CLOSE A CUSTOMER 'S ACCOUNT WITHOUT NOTICE AND WITHOUT REASON! 
IS THERE A REASON FOR SUCH BEHAVIOR????
Consumer complaint received 2024-08-05
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. (CA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Experian credit reporting agency XXXX and XXXX credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at 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 XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.