davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (NY)

NATIONAL CREDIT SYSTEMS randomly put some alleged debt on my consumer report without first contacting me to verify with me if they could even report on my behalf. I have since sent a notice of dispute and debt validation letter with my current mailing address for them to confirm with me in writing the validity of such alleged debt but I was ignored and they continue to violate my rights as a consumer. The tracking number for the notice of dispute is XXXX and said notice was shipped on XX/XX/2023. According to the USPS official site NATIONAL CREDIT SYSTEMS received the notice XX/XX/2023 at XXXX. Included in the notice that NATIONAL CREDIT SYSTEMS received was instructions of a cease and desist where I notified NATIONAL CREDIT SYSTEMS in writing that they are to cease further communication with respect to such alleged debt except to advise me that NATIONAL CREDIT SYSTEMS further efforts are being terminated if they are unable to provide lawful proof of their claim, which they did not provide me with any documentation and intentionally ignored the official notice. In addition, NATIONAL CREDIT SYSTEMS is currently violating federal law, they continue to leave comments and change remarks on my credit report which is causing damage which the consumer report is a medium of communication and because that is the only form of any new information from them to me that action is another federal violation.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I have received the 5 emails from the so-called Experian 'credit report ' company. 

From XXXX XX/XX/23 : credit score information XX/XX/23 : credit card offer XX/XX/23 : 4 kinds of saving accounts offer From XXXX and XXXX Dispute result information. However, both of them added the year, which they deleted without asking and approval of me about one week ago. Now, there is the section of birth year. Previously, I asked why there are two similar accounts of XXXX XXXX XXXX. These two have some problems on numbers. I will contact with XXXX  XXXX XXXX directly.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (DC)

I XXXX XXXX XXXX, XXXX # XXXX. XXXX # XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA $ 605B ( 15 U.S.C. & 1681c-2 ) that you. The XXXX and XXXX credit reporting agencies, block information on my consumer credit that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX inquiry ( XXXX XXXX XXXX ). Opened XX/XX/XXXX. A collection account ( XXXX XXXX XXXX ). A cellphone account opened XX/XX/XXXX with a balance of {$1300.00}. A collection account ( XXXX XXXX XXXXXXXX XXXX ) Opened XX/XX/XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer fraudulent credit report. I have attached a list of hard inquiries and collections in question. The aforementioned inquiries and collection accounts appearing on my consumer credit report maintained by you were not opened, made or initiated by me. They are all a result of identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX, # XXXX, # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collections also hard inquiries are a result of identity theft and fraud.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-12-28
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)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-03-25
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: SYNCHRONY FINANCIAL (PA)

I constantly get snail mail saying someone opened up a PayPal account in my name. I get it maybe once a year. This was the first time I got a charge for a credit card opened up through I guess PayPal credit. Its with PayPal/synchrony bank , both of which I do NOT have an account with. I called the number on the mail, but Im afraid to give any information because I dont know if its a phishing number. Anyway, Ive been ripping the bill up for the last 2 months, but the charge made it into my credit report, so now Im trying to get it wiped. SYNCHRONY BANK ( if it was them that I talked to ) said the card was opened up in my name last year, and there werent any purchases. They just sent money to a location I guess The charge was XXXX now it something like XXXX because of late charges added on.
Consumer complaint received 2023-12-28
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. (SC)

Charge offs are being reported onto my consumer report. Charge offs are a certificate of indebtedness which is income and is violation. 

The Privacy Act of 1974. 
My privacy has been violated a multitude of times because no authorization was ever given.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-11-28
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: EQUIFAX, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-07-15
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: Velocity Portfolio Group (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-12-28
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Early Warning Services, LLC (MO)

I sent two {$200.00} amount from my XXXX  XXXX account to my XXXX XXXX. The money got withdrawn from my XXXX  XXXX account. It never was deposited to my regions account. XXXX  XXXX  sent an email stating the money was rejected and being sent back to XXXX  XXXX. However, XXXX XXXX still has not got the money back. Its been sent to that other account in the past and even the same day with no issues, However today was something majorly wrong. Im including screenshots of the transaction id and email from XXXX XXXX regarding this error.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 2023-12-28
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. (IN)

I XXXX a victim of XXXX XXXX  and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know XXXX XXXX  a XXXX XXXX XXXX  theft and that 2 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/2023, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.
Consumer complaint received 2024-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NC)

I went to a grocery store in XXXX, NC and used my CashApp card to make a purchase of {$140.00}. At first the card was declined to I tried it a second time and it went through. Within in XXXX minutes I realized that CashApp has debited my card twice for a grand total of {$290.00}. I called CashApp but they told me that the purchase only wen tthrough for {$140.00}, but when my statement came in I saw where they had charged me twice. The grocery store provided me proof that they only got {$140.00}. CashApp debited me twice and refuses to give me my money back.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

Inquired while inside a Chase Bank branch about third party check acceptance, policy, endorsement specifics, etc. Was assured, while there may be a temporary hold placed on funds, the check wouldn't be an issue as long as properly endorsed by all parties. Mobile deposited {$2500.00} check a few days later, properly endorsed treasury check. It was accepted, had a 7 business day hold placed on it, then eventually cleared and showed available for use in my account. When I tried to transfer funds from personal account to to business account ( also with chase ), I was told one account wasn't eligible for transfers. Called and was informed my account my was restricted, pending verification of endorsement by the third party ( person check was originally written to ). I gave them his #, and was told the # couldn't be verified, so they never even tried to call. Couple days later I went into a branch and went through the same exact process as over the phone, # couldn't be verified so they didn't call. I don't know why the # isn't verifiable by chase, and don't understand why that's my problem and can not access my funds, especially after having checked with the bank well before depositing the check, to make sure this sort of thing wouldn't happen, and being assured it would not. I've had an investment account with chase for over 7 years, have my business account with them, never been overdrawn in any account, never anything close to fraudulent or suspicious, no reason at all to be treated like a criminal, or completely brushed aside when my livelihood is at stake without access to any funds in this account. It feels like outright theft, but I don't know what I can do about it. Again, it's only {$2500.00}, but that's the difference between life and XXXX  for some of us. Please help.
Consumer complaint received 2023-11-22
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CO)

Comenity bank floor and decide credit card - payment is due by XXXX est. I paid at XXXX XXXX my whole balance and they charged me a late fee of {$37.00}. The next month I paid the late fee of {$37.00} and was charged another late fee because it was after the XXXX XXXX cut off. I was in another state and did not think of the time change. I was charged another {$37.00}. I called and asked for the late fee to be waived and was told no I had to pay it. This is predatory fees. Also a person should not have pay a bill by XXXX because the bank goes off et when they are in mt or pt.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (FL)

We began getting calls from a CBE group a couple of months ago. I ignored them and they did not leave any messages. I continued to receive calls and decided to use my cordless phone to block their number and also XXXXXXXX XXXX call blocking. They then decided to change to different numbers. 

I got tired of it and did research on the internet to the CBE Group ( XXXX XXXX XXXX  ) and called them. They asked my name, and i gave them my name and asked why they were calling me. They asked if I knew a XXXX XXXX ( Family we purchased our current property from in XXXX ). I told them my story of our home purchase and they asked if I had any contact or information for him. I told them I haven't had any conversation since the property transaction in XX/XX/XXXX. 
They said they would take me off their list. I am still getting calls even after contacting them again on XX/XX/XXXX complaining. I received one yesterday and again this morning.
Consumer complaint received 2023-12-28
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. (GA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DIGITAL FEDERAL CREDIT UNION (MA)

I have been trying to pay off a credit card I had With digital federal credit union they have made it nearly impossible to pay. I have Been told different ways to pay every time I call and its crazy! I called To pay it off and they said I can only pay {$1000.00} at a time. So I called Back again the next day and was told I canT pay until it processes which could take 7-10 business days. 

I called To make another payment and was told I had To make a deposit to a savings account to make a payment 10 days later which would make it late again! They then said I can not not pay with XXXX XXXX which they took that payment before. Everytime I call they have a new rule or a different way to pay which was not feasible. 

Every agent has given me higher amounts than what was shown because they keep adding interest and late fees. Which never would have been added if I was allowed to pay it off 8 months ago when I called To pay it off! They have hit my credit report multiple times with it being late when it should have never been late because I have been trying to pay it off! This account is now paid in full after many attempts to pay it off prior.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-03-09
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: EQUIFAX, INC. (TX)

I write Equifax a letter with my disputes in XXXX. It has been 60 days and they have not responded to me.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

I opened a chase account everything went through until I added two settlement checks to the account. My account has been restricted since I deposited the checks on XX/XX/XXXX. I have reached out to the bank everyday regarding this situation. I have done everything they have asked of me. XX/XX/XXXX I was told that my account will be closed after XX/XX/XXXX. I spoke to my attorney as I am unable to speak to the company that issued the check due to this being a legal matter.
Consumer complaint received 2023-12-28
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. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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