davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
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: EQUIFAX, INC. (MI)

I appreciate you taking the effort to delete some of the items from my file that were allegedly obtained through identity theft, but I still need to delete a few more. Any items listed on an ID THEFT REPORT must be removed in accordance with FCRA section 605 of the law. This report was originally included in a prior letter, so I'm including it again. My lawyer has been told of my plans, and they are eager to make you responsible for your deliberate non-compliance. 
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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: M1 Holdings Inc. (CO)

M1 is an online financial services provider and brokerage. I hold a Roth IRA account with M1 that has less than {$10000.00} in assets, and I have been an M1 client since XXXX. Since I signed up in XXXX until now, M1 has not charged monthly fees except to clients who choose to purchase an M1 Plus membership subscription for access to additional features such as trading securities on margin. 

M1 sent me an email on XX/XX/XXXX with the subject line, [ ... ], were making a big change at M1. I will attach the full email to this submission, but in broad strokes it says, We've decided to end our M1 Plus membership program. Our premium features will no longer require membership and will instead be available to everyone who builds and manages their wealth on M1. Starting XX/XX/XXXX, a $ 3 monthly platform fee will apply to clients with less than {$10000.00} in M1 assets or without an active XXXX XXXX. [ ] Based on your current M1 assets as of XX/XX/XXXX, your account will be subject to the monthly platform fee. 

Additionally, M1 charges a {$100.00} ACATS transfer fee ( for in-kind transfers of securities to accounts held at other brokerages ) and a {$100.00} IRA account termination fee. M1s fee schedule can be found here : https : XXXX I believe the imposition of a $ XXXX. platform fee for features I did not request is improper. 

I also believe the ACATS and IRA Termination Fees are junk fees. I am being forced to choose between a $ XXXX. XXXX or paying {$200.00} in transfer and closure fees. 

-- - I contacted M1s client support email later on XX/XX/XXXX to express my concern about M1s imposition of new fees and to request a waiver of the IRA Termination Fee and the ACATS fee. 

I received a response on XX/XX/XXXX from an M1 Client Success Associate saying that, We have passed this feedback along to our team on your behalf. However, M1 is not reimbursing any direct outgoing transfer fees or IRA termination fees. I have attached the email exchange to this submission. 

I have also filed a complaint with my state 's Attorney General 's Office.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

There are 8 open accounts with XXXX so I am going to group all of them together rather than doing 8 accounts. 

Pursuant to 15 USC 1692c. ( C ) ( 2 ) AND THE FAMILY AND EDUCATION Privacy Act of 1974. I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account Deletion from all consumer reports Pay {$48000.00} in Civil Liability in accordance to 15 USC 1692k ( 48 various reports ) and an additional {$5000.00} in mental anguish for having false information/income on my credit report causing me to be denied credit. Totaling {$53000.00} in damages.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (IL)

I had my purse stolen with all my personal info, that i beleave was used to open up some of these accts and also placed a large amount of hard inquires on my report. I have been trying to get this address for a couple years now i have contacted all 3 credit companies and the other party, I have spent XXXX of dollars in certified mail send letters to both parties to be back at square one and nothing is being down. I also reported a car being stolen and having my personal thinks inside durning a move. I been suffer from idenity issuses since i was younger with a friend of the family was using my name ate a younger child age. Im now at a stand still stuck with all this stuff on my report and still no answers on how to fix them.
Consumer complaint received 2024-03-02
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Automated Collection Services, Inc. (TX)

hi, I was living apartment XXXX XXXXXXXX  XXXX tx .my XXXX XXXX was with my XXXX I was XXXX XXXX in mean while I got XXXX XXXX XXXX XXXX XXXX .I want XXXX XXXX XXXX XXXX and I decide leave apartment I came back I told him I dot want to live more I want to pay what is your damage but these people was not listen me they told sign and I will tell you. I did sign and I was asking tell what is damage I will pay plz dot hurt my credit but they was not listing they report on collection agency they Contect me I pay what is told me .my question is I pay 5 to 6 year ago still on my report I was trying to pay same day but he ignore me they already decide .I am thinking he did bad with me because some time have every body problems people have to help and solve dnt miss use system for some plz fix my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX tn XXXX XXXX
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX, Fl XXXX Removal of Fraud alert and Removal of personal statement. 

Please accept this as a former request to remove both my Fraud alert and Personal statement from my credit report as I have had the opportunity to get a better handle on my credit affairs.
Consumer complaint received 2024-02-05
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)

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated.

The inaccuracies are highly injurious to my credit score XXXX XXXXXXXX - Account Number XXXX showing balance of XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the. follow up. Please send me an updated copy of my credit report after your reinvestigation. 
This account says it was charged off on the following date ( XX/XX/2023 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX - Account XXXX XXXX showing balance of XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.
Consumer complaint received 2024-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (NY)

We worked very hard for this client XXXX XXXX from XX/XX/2024 all the way to XX/XX/2024 as per the attached signed retainer agreement contract, legal fee billing invoice where the client owes us {$27000.00} in total, he only paid a {$5000.00} retainer fee plus a {$2500.00} requested replenishment, plus the attached USPS tracking number shows the legal service product was received and fulfilled ( legal services, work product, research, consultation, advisory, investigation, in connection with an XXXX XXXX XXXX  ). 

However American Express stole our money right out of our law firm merchant account after he received the legal goods and services, which is felony theft of services, and grand larceny by trick. 

Please return our money back to us as he owes far more than he has even paid.
Consumer complaint received 2023-06-10
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: EQUIFAX, INC. (MN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$990.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} ; ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2019-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION (GA)

Some one has stolen my identity and changed my SSA check from my savings account to my checking account. My checking account keeps getting hacked and hit with all types of charges. They have also taken my XXXX XXXX XXXX Records and I believe they will commit fraud.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY (FL)

I had an issue with a merchant, in which the merchant misled, created false and misleading advertising, and offered written guarantees that were not being honored by the merchants. and AMEX is allowing these fraudulent activities to happen to their customers. I have provided multiple pages of documentation including their written advertised guarantees and their excuses. Each time addressing the merchant 's rebuttals and each time no one read my responses at AMEX or they would see I was addressing each rebuttal and being defrauded by the merchant.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account Navy Federal -Acct # XXXX XXXX and XX/XX/XXXX,, XXXX XX/XX/XXXX, XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dept of Education ( This was deferred and I was on XXXX XXXX- XXXX has violated my rights. 
15-USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open-end consumer plan as late for any purpose. 


Thank You.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

For XXXX years I have ordered my credit report and never once have I been able to get my XXXX report online. I have to order by mail and they ask me for irrelevant and illegal information. Nothing has changed. Now I can not get my Trans Union report online. 
XXXX years and this still isn't fixed? What a scam.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NJ)

I am writing to formally complain against Chase Bank for their failure to provide the requested U.S. mail certified receipt with my name and wet signature as evidence that they properly notified me about an alleged debt. This lack of proper documentation and failure to adhere to standard debt collection practices has caused significant confusion regarding legitimacy of the claim. 

I have requested formal proof of notification, specifically asking for the certified receipt bearing my name and wet signature, as is customary for such legal and financial matters, to ensure that the notification process adhered to proper protocols. 

My notification was requested through the CFPB on XX/XX/year>, complaint number XXXX. Despite my clear and reasonable requests, Chase Bank has failed to provide the requested proof, leaving the legitimacy of their debt claim in question. 

The bank 's inability to furnish requested documentation has not only impeded my ability to verify the validity of the alleged debt but has also caused undue stress and potential risk to my financial standing. 

I have attached the letter that Chase Bank uploaded to the CFPB on XX/XX/year>. 
Sincerely,
Consumer complaint received 2024-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc. (GA)

The following company Bounce AI is currently on my XXXX credit report with a balance of {$3200.00} original company XXXX XXXX XXXX As I have stated to the original company XXXX  I am not responsible for this debt. I have file FTC theft report and police report sent to credit reporting agencies and XXXX in the past.I have not receive a response from XXXX. The information they have on file for my identity does not represent me such as address, phone, email etc. The attempt to collect this debt and placing there name on my XXXX credit report is a violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. If this matter persist I will have know choice but to pursue legal action under federal law.
Consumer complaint received 2023-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NC)

ABILITY RECOVERY SERVICES , LLC reported a collection on XXXX for the amount of {$640.00}. 
Agency Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Agency Phone : XXXX Original Creditor Name : XXXX XXXX XXXX Ability Recovery Services is a third party debt collection agency representing XXXX XXXX XXXX. I never signed a contract with neither of these companies. I never gave consent for these companies to use my private information. I never received a notice or method to opt-out or prevent the disclosure of my private information to third parties pursuant 15 U.S. Code 6803 Company refuses to obey consumer protection laws, which is negatively harming my nonpublic personal information.
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (VA)

I have sent in multiple disputes with Equifax regarding accounts of my credit report that are fraud and they keep coming back as verified even though I have gave them identity theft reports and other documentation they will not remove the information from upstart, XXXX XXXX, XXXX or XXXX I have even provided them with court documents I have even called on XX/XX/2023 and they told me they couldn't tell me how they were verify the account that the computer was automatically sending it back verified those accounts
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (CA)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2024-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION (NJ)

A customer of Truist Bank accidentally send me money via XXXX. He typed the incorrect email address. Rather than contact me- the customer contacted his bank. Despite the customer telling the bank that the mistake was his, the bank reported the transaction as fraudulent on my part and attempted to recover the money through a dispute they filed claiming fraud rather than simply reaching out to me to request the money back. I had no way to return the money without them contacting me as I had no information on how to reach the person who transferred it. 

As a result of Truist 's false reporting, my access to XXXX was completely cut off now resulting in my inability to return the money through XXXX and making it risky to return it outside of XXXX as they refuse to guarantee me that the transaction wouldn't be reversed down the road if I were to return the money in another way leaving me in an impossible position. 

Trusit 's claim of fraud on their part was defamatory and has caused me damages by causing me to lose access to a financial tool and place myself at risk of either a lawsuit or fraud. 

I have attached the details of transaction which the sender sent me when he finally reached out directed a month after the transaction as well as the letter from his bank which shows the claim number they opened.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THIS LATEPAYMENT ACCOUNT FROM MY CONSUMER REPORT IMMEDIATELY.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Hello, My name is XXXX XXXX XXXX. I am reaching out for additional assistance as this false reporting is ruining my reputation and life. I have reached out to have this account removed from my credit account as this is not my account however the action item is still listed. 
I placed NUMEROUS PHONE CALLS & disputed this with the credit bureaus and to no avail has anything changed ( see attachment below ) During the time that this account was opened ( XX/XX/2022 ) FRAUDULENTLY with XXXX XXXX who then sold this account to XXXX XXXX XXXX 

I was undergoing treatment with a XXXX during this time ( which I have attached ) due to a bad car accident ( police report also attached ) where I was unable to complete basic tasks let alone work out at a gym!! 

I am a law abiding hard working citizen looking to purchase a home and can not because of the way I am being discredited. I have a great relationship with creditors that I have AUTHORIZED accounts with. 

My information has been stolen before in my younger age and I have been having issues with fraudulent accounts ever since. I have tried freezes and currently to this day pay for credit monitoring. ( I have attached my previous police report for THEFT ) Per the consumer laws as well ; the one listed below specifically. 

15 U.S. Code 1681a - Definitions ; rules of construction When investigating a consumer report it means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

This agency has violated me in every way. I only want to get this removed as this damage is ruining my life and this is not how I operate with creditors who I authorize and do business with. 

PLEASE HELP!