davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

This inconsistency raises serious concerns about the thoroughness and accuracy of your investigation process. As a consumer, I am entitled to a fair and uniform assessment of all fraudulent accounts on my credit report. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. It is bewildering that your bureau would acknowledge the fraudulent nature of some accounts while neglecting to address others. 
XXXX XXXX XXXX XXXXXXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX -- PLEASE DELETE!!!! 
XXXX XXXX -- PLEASE DELETE!!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand an immediate and comprehensive review of all the fraudulent accounts associated with my credit profile. If certain accounts were deemed fraudulent and subsequently removed, it stands to reason that the same rationale should be applied to all such accounts. Please provide a detailed explanation for the selective removal of fraudulent accounts and clarify the criteria used to determine which accounts are considered fraudulent and which are not. Transparency in this matter is crucial to rebuilding my trust in the credit reporting system.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (IL)

This is a follow up to original claim # XXXX, which should have never been closed. Just because American Express responded doesnt mean theyre right. If you look at the Statements they submitted, you will see the XXXX XXXX XXXX It Plan disappears from a statement in the middle of the alleged plan. Additionally, they are trying to charge me a late fee despite us being in the middle of a CFPB dispute which was filed well before the due date. 

Also, if you look at the adjusted balanced and minimum payment dues on all of the statements that THEY PROVIDED IN RESPONSE, there is no accounting done for the Plan It Plans that were allegedly due. They have just demonstrated that their definition of an Adjusted Balance is in fact inaccurate along with their terms for a Plan It Plan itself. It is not my fault as the consumer that their system had an error that did not start accounting for the alleged plans in my account. No one could explain this, and theyve responded to the CFPB complaint in the same manner that theyve responded to me previously. THE BURDEN OF PROOF IS ON THEM AND THERE IS A CLEAR ISSUE. THEY HAVE JUST ADMITTED WHAT THEY ADVERTISE IS NOT WHAT IS ACCURATE. 

This needs to be escalated both at the CFPB and American Express, because this horrible treatment for a longtime customer. This question deserves more than a poorly written email consider their own attachments in response verify what I am saying.
Consumer complaint received 2023-09-12
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. (TN)

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 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 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (NY)

On XX/XX/XXXX, I received an email from SoFi : Dear XXXX, In reviewing your SoFi Money account, we noticed activity that indicates the account may have been used in violation of the SoFi Money Customer Agreement. 
Because of this, your account will be closed effective immediately. You will no longer be able to use your account online or use your debit card.

I immediately called SoFi 's support to obtain more information. I did not receive any clarification behind why my account was closed. I did not initiate any chargebacks, commit fraud, nor did I have any account fees/late fees. SoFi 's representative said Sofi 's internatl team deemed my account necessary for closure and my account would be closed and my money soon returned to me. 

On XX/XX/XXXX, I called SoFi as I still have not received my money from them. Sofi 's representative said Sofi 's internal team was " still reviewing my account and would eventually close my account to return my money ''. I find this unacceptable and unprofessional.
Consumer complaint received 2024-05-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

On XX/XX/year> this company responded to a complaint I submitted to your company. They stated the debt was time barred and no longer being pursued for collections. I checked my credit file and XXXX shows they are still reporting. The agent at XXXX stated they last report date was XX/XX/year>. Why is this company being deceitful. The statements in their response are not valid. They are still reporting this item on my credit report.
Consumer complaint received 2024-05-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (TX)

Since XXXX the majority of my monthly payment has been Applied to Interest for Nelnet and very little towards principal. I was told my payments only have another month of interest payments to go and then payments will start applying towards the principal. Ive been making payments since 2017 and in a month my payments will be applied to principal which was the reason for this consolidation in the first place. So now, Im starting all over again to pay {$42000.00} in student loans. Everything paid since XXXX has been applied to interest. This consolidation was and is a scam. Ill be paying this out of retirement funds.
Consumer complaint received 2023-12-21
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. (IL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$15000.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX, XXXX. XXXX Balance : {$9900.00} XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$33000.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX. ) XXXX Balance : {$1500.00} XXXX  XXXX XXXX  XXXX XXXX Balance : {$490.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-21
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. (TX)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 2023-12-21
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. (AZ)

The purpose of this complaint is to have unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there is unauthorized inquiry listed. The unauthorized inquiry is listed below. 
XXXX XXXX
Consumer complaint received 2023-12-21
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. (PA)

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 2023-04-29
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. (VA)

I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOHELA (OK)

Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from MOHELA : 1. Validation of the Debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and Oklahoma Statues for Lawful Purposes.

3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within ten ( 10 ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; -You will no longer pursue this matter any further.

-You agree to pay all fee schedules.

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I may take action under Section 1 of the Protection from Harassment Act 1997 and the Administration of Justice Act 1970 S.40, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing 'alarm, distress, or humiliation ; because of their frequency or manner. 

Best Regards, by : XXXX : XXXX XXXX grantee, beneficiary All Rights Reserved
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A checking account was opened with my information at Bank of America. I received an email letting me know that the account was available. I am unable to contact the bank at this time as they are closed. I will be contacting them tomorrow morning though.
Consumer complaint received 2024-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (IL)

To Whom It May Concern, I am writing to request the method of validation documentation for a debt you verified in XX/XX/2024. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ) ( 15 U.S.C. 1681i ( a ) ( 7 ) ), I have the right to request and receive a description of the procedure used to determine the accuracy and completeness of the information disputed, including the business name and address of any furnisher of information contacted in connection with such information. 

I am requesting that you provide the documentation and proof of validation for the following account : Account Name : XXXXXXXX XXXX Account Number : XXXX Please provide a detailed description of the procedure you used to verify the accuracy of this debt, as well as any documentation you have that supports the validity of this debt. 

Failure to provide this information in a timely manner is a violation of the FCRA and will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-05-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC (TX)

This was something that occurred back in XXXX that was already settled. I never had XXXX XXXX. It's been XXXX years ... why are they bringing this back up when it was all cleared up then. I just received a letter that effective XX/XX/XXXX. Pinnacle credit services LLC has placed my account with XXXX XXXX XXXX XXXX Reference # XXXX.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (NV)

For 5/6 months now ive tried applying for a XXXX XXXXXXXX XXXX account. it wont let me because of your report and i try to see whats on there and nobody will just email it to me. Argh! Im inclined to believe its XXXX  because why does everywhere work.
Consumer complaint received 2023-05-11
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. (GA)

I'm making this complaint so that the credit bureau is AGAIN made aware that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit agency could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} ; XXXX  XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

XXXX : received email that Bank of America Advantage SafeBalance Banking Account # : XXXX was approved and opened. I never requested this account. 

XXXX : noticed monthly fees being charged to the account that I didnt open. After numerous phone calls BoA said they would refund the fees and close the account. Someone called back and said another department had to close the account. I called the other department and got transferred around some more, finally got someone to say they would close the account. 

Confirmed the account was opened with my social security number and a previous home address from XXXX. 

The account is still open today.
Consumer complaint received 2024-05-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

On XXXX someone Hacked into my Aunt XXXX XXXX XXXX XXXX account selling a car and to Zelle {$3000.00}. 

I found out after that it wasn't her. 
They asked to use their Email for Zelle Transaction.
Consumer complaint received 2024-05-25
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (TX)

I am writing to dispute a charges of {$420.00} to my credit card account ending in # XXXX on. The statement is in error According to Federal Law 15 USC 1666d and my account is showing a positive balance not negative.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXXwo parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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. 
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. and lastly 15 U.S.C 6802 ( b ) Opt-Out I was never given the option to opt out and not report to my credit with out pressure
Consumer complaint received 2024-05-25
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TAG Intermediate Holding Company, LLC (NY)

Today, XX/XX/year>, I have received multiple calls from tricolor auto regarding my account. The first call I answered and spoke with someone. I verified my information that the agent asked for and proceeded to discuss the account and why they were calling. I explained my situation and disconnected the call shortly after. XXXX minutes after another agent called me regarding the same thing. I told him I just spoke with someone and there is no need to call again. Later in the day around XXXX XXXX XXXX I received another call from another agent regarding the same thing. I explained again that I spoke to someone this morning so they should not be calling me again in the same day. I feel like at this point it is harassment when they should only be allowed to make XXXX call per day when they spoke to the right party on the account. There should not be another attempt until the next day. When asking to speak to a supervisor I am told there are no supervisors available and they will place a callback request. I have done it before and never get a call back. I asked for a direct supervisor and I am told there are no direct supervisors on the floor. Agents want to argue most of the time instead trying to find a direct supervisor or try to listen to to fix the problem.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received several notices of deposit accounts opened in my name with Bank of America, even after calling their fraud department to report and putting a block on the 3 Credit Bureaus concerned with Identity Theft. I continued to get accounts opened under my name. After filing a complaint, they would just send me an email on how to protect myself from Identity Theft. Bank of America is the only bank that had open accounts under my name that I did not authorize.
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: TRANSWORLD SYSTEMS INC (GA)

I am not liable for this debt with TRANSWORLD SYSTEMS XXXX INC. I do not have a contract with TRANSWORLD SYSTEMS INC. They did not provide me with the original contract with TRANSWORLD SYSTEMS INC., as I requested. 
TRANSWORLD SYSTEMS INC Account Number : XXXX Number : XXXX Please remove it from my credit report