davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC (TX)

I'm writing regarding a collection entry on my credit report from your agency. This entry is concerning, as I wasn't previously notified about this collection and I question the debt 's validity. Under the Fair Debt Collection Practices Act, I'm entitled to request debt validation. I formally ask you to provide this validation and address this matter.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE (OH)

I have applied for numerous checking accounts and credit card accounts in the last 6 months, only to receive the same denial reason almost every time from every company : inability to verify my identity. Despite trying everything with all three bureaus, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I continue to be denied for both personal and business accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (CA)

I opened XXXX accounts with E*Trade/Morgan Stanley, one was a brokerage account and the other was a checking account. I attempted to deposit funds into both accounts via their mobile deposit feature on the app. The checking account had {$2400.00} deposited into it, with no issue. However, the next day, when logging in to the app to check the availability of my funds, I was informed that they were taking precautions to ensure my account 's safety. I was given a number to call and hours to call them. I have called them almost every day since, and I have been given XXXX explanation or reason why it this " safety measure '' is in place, no matter who I speak to. I am simply told they don't have any information for me, and to call back tomorrow. It has been weeks now, the deposits have cleared, and I have no access to my money. I can not transfer to another account, I can not close my E*Trade account, I can not use the money to purchase stocks, and even if i could, my E*trade brokerage account is still frozen as well, which I have taken up with XXXX. I do not understand how they can just take {$2400.00} from me and give no answers or reasoning. If I did that to them, I would be considered a XXXX This is assinine, and shows a complete disregard for their customers. This economy is not the best environment to just take thousands of dollars from a XXXX year-old man and tell me to " just call back ''. When I don't have my prescriptions or am unable to go to a Dr. 's office due to lack of funds, I guess then I won't be able to call back. Great plan, XXXX
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (CA)

Called Apple credit card company ( XXXX ) XXXX on XX/XX/XXXX because I saw theres an estimating charge of XXXX $ showing on my account and it does not change or show different amount if I change payment amount. Got confirmation with there phone operator that amount is not reflected my current account. And I asked her how much more payment I will need to pay to avoid that interest charge and answer is {$0.00}. 
I checked today it was still charged that amount and I tried to explain to the customer service there not help. The check agent was beyond rude and unprofessional. All they offered was wave {$25.00} and no explanation. This is totally fraud XXXX cant believe such a big company would do this and how many people are getting scammed.
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

I was promised a XXXX discount on my car insurance if Imparticipated in a safe driving program and after it was over they did not give me the discount. They made false allegations saying I violated driving practices. 
I filed a complaint with the XXXX and they would not respond to them with any statements on charges so the XXXX gave me your link to file a complaint.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings (NJ)

Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information present on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ). The following account is in question : XXXX XXXX Account XXXX Total fraudulent amount : {$1200.00} Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX, XXXX XXXX Account XXXX : XXXX Total fraudulent amount : {$1400.00} Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX, XXXX XXXX INT Account Number : XXXX Total fraudulent amount : {$4900.00} Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX, XXXX Account XXXX : XXXX Total fraudulent amount : {$3100.00} Date fraud began : XX/XX/XXXX, XXXX XXXX Account Number : XXXX Total fraudulent amount : {$930.00} Date fraud began : XX/XX/XXXX. 

Hard Inquiries XXXX XXXX XXXX XXXX XXXX Public Information Type of Business Personal Loan Companies - Line of XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank I have reviewed my credit report, and it has come to my attention that the information pertaining to the above-mentioned account is erroneous and has a detrimental impact on my creditworthiness. I believe that my rights under the FCRA have been violated, and I am formally requesting an investigation and correction of this matter. The account in question has been inaccurately reported as mine. I suspect that my personal information may have been compromised and used fraudulently to open this account. I have not authorized any such account, and this is a clear case of identity theft. The credit reporting agency has not sufficiently verified the accuracy of this information before including it in my credit report, which is a violation of the FCRA.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NV)

In accordance with the fair credit reporting act convergent account THD/CBNA, XXXX XXXX XXXX XXXX HAS VIOLATED my rights.

15 USC 1681 Section States I have the right to privacy.

15USC 1681 Section 604 2 : its also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not teat a payment on a credit account under an open end consumer credit plan as a late for purpose.
Consumer complaint received 2022-11-22
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: EQUIFAX, 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 undeXXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights!!! 

16 U.SC 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.

Also there are discrepancies with BOTH accounts on my credit report being : The date last reported, date opened, creditor names, and and neither of these accounts showing on my equifax. Within my right I can be compensated for these mishaps but prefer these accounts to be removed ASAP.
Consumer complaint received 2024-06-17
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)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information present on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ). The following account is in question : PORTFOLIO RC Account Number:XXXX Total fraudulent amount : {$1200.00} Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX, XXXX XXXX Account Number : XXXX Total fraudulent amount : {$1400.00} Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX, XXXX XXXX XXXX  Account Number : XXXX Total fraudulent amount : {$4900.00} Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX, XXXX Account Number : XXXX Total fraudulent amount : {$3100.00} Date fraud began : XX/XX/XXXX, PORTFOLIO RC Account Number : XXXX Total fraudulent amount : {$930.00} Date fraud began : XX/XX/XXXX. 

Hard Inquiries XXXX XXXX XXXX XXXX XXXX Public Information Type of Business Personal Loan Companies - Line of Credit - Bank Line of Credit - Bank - Bank Credit Cards Personal Loan Companies Student Loans Bank Credit Cards Bank Credit Cards Student Loans Personal Loan Companies Miscellaneous Finance Student Loans Bank Credit Cards Bank Credit Cards Line of Credit - Bank I have reviewed my credit report, and it has come to my attention that the information pertaining to the above-mentioned account is erroneous and has a detrimental impact on my creditworthiness. I believe that my rights under the FCRA have been violated, and I am formally requesting an investigation and correction of this matter. The account in question has been inaccurately reported as mine. I suspect that my personal information may have been compromised and used fraudulently to open this account. I have not authorized any such account, and this is a clear case of identity theft. The credit reporting agency has not sufficiently verified the accuracy of this information before including it in my credit report, which is a violation of the FCRA.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (GA)

XXXX, XXXX, & SageStream or reporting incorrect information onto my consumer report. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX GA XXXX there should be no other information listed on my report it is not correct. Send me an updated report listing my information correctly or risk being sued for damages.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (GA)

XXXX, LexisNexis, & XXXX or reporting incorrect information onto my consumer report. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX GA XXXX there should be no other information listed on my report it is not correct. Send me an updated report listing my information correctly or risk being sued for damages.
Consumer complaint received 2023-09-21
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report
Consumer complaint received 2024-06-17
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. (TX)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My bank account with USAA was compromised when a fraudulent wire transfer of {$4500.00} occurred on XX/XX/XXXX, leaving my bank account at a XXXX. I called USAA immediately, upon discovering my debit card was declined at a store and discovered the fraudulent charge. 
I asked how this was approved without any security measures and insufficient funds out of our account? I also asked for the funds to be replaced but I was then told that this needs to go through an investigation before any recovery of funds. 
I spoke with three different representatives on the night of XX/XX/XXXX and they could not provide me any answers nor could they provide me any confirmation numbers or claim numbers to show proof of an investigation being active. 
I am currently with no funds and XXXX children to care for, with a Husband who is XXXX XXXX XXXX, away for a Summer training at XXXX XXXX. 
USAA will not help or provide me information as to how my bank account was compromised and refuse to rectify the situation at all.
Consumer complaint received 2023-02-17
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$15000.00}
Consumer complaint received 2024-06-17
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)

This is my new attempt to dispute the items in my credit file which resulted from an inaccurate credit reports. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an inaccurate credit reports, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$4200.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX : {$10000.00} XXXX XXXX Balance Owed : {$4200.00} XXXX  XXXX XXXX Balance Owed : {$2700.00} -- -- -- -- -- -- XXXX XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$4200.00} XXXX  XXXX XXXX Balance Owed : {$4400.00} XXXX  XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit reports. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2019-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

Please be advised this is my SECOND WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly REMOVE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the XXXX XXXX XXXX. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with ENHANCED RECOVERY COLLECTION I have never done business with this company. I am not liable for collection from this debt from ENHANCED RECOVERY COLLECTION. I am not responsible for this debt with ENHANCED RECOVERY COLLECTION. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
Consumer complaint received 2024-07-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Data Mortgage Inc. (OH)

During this time to restart my payments I had a lot of income changes and decrease and financial struggle to pay I called asked for more time before I continue payments and trying to get my payments lowered they told me about insurance to search for cheaper to lower payments I can not find any cheaper at the time I currently owe XXXX because of trying to pay and overdraft on my account but I'm trying to get my payments between XXXX dollars a month because of poverty level income and no full time job currently work 20-25 hours weekly and paying bills on the home interest rate is receiving more than principal. Please if I can get this balance taking care of XXXX and a fresh start on monthly payments to establish right from here.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.