davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (MI)

To Whom It May Concern : Re : Allied International Credit Corp, Reference : XXXX of {$130.00} XXXX listed pawpaw dormant seedlings on XXXX with XXXX ID XXXX which was marked 'no return for plant seedlings. ' A buyer ID XXXX purchased the plants at {$130.00} excluding taxes with order number XXXX. The order was placed on XX/XX/XXXX. He received the plants on XX/XX/XXXX and claimed they were dead and wanted to return. I told him the seedlings were not dead, just dormant. XXXX notified me on XX/XX/XXXX that the fund was on hold due to dispute, then on XX/XX/XXXX XXXX issued the refund. The buyer returned the seedlings wrapped in wet paper tower and did not secure the plants in the package. The seedlings returned with lots of mold and damaged during the shipping. I disputed the return and on XX/XX/XXXX XXXX from XXXX XXXX XXXX reviewed the photos and emails and concluded After a thorough investigation that your buyer has a fraudulent return. 
From this sell, I expected to get {$130.00} from XXXX. Instead, XXXX wrongfully charged me to pay XXXX for {$130.00}. I never got any payment from the buyer which XXXX held the fund then refunded it to the buyer. It was totally wrong to charge me at {$130.00}. 
I contacted XXXX multiple times via emails, chats, and phone calls to solve the problem but it was not resolved. XXXX admitted We just refunded the buyer once and that was their payment that was on hold when a claim was opened. XXXX did not remove the wrongful charge of {$130.00} from my account. XXXX started debt collection on XX/XX/XXXX through Allied International Credit Corp ( Ref : XXXX ). I disputed the debt on XX/XX/XXXX according to the instructions. I didnt hear back from them up to day. On XX/XX/XXXX I got a call from the collector demanding to pay {$130.00}. I explained to the collector that I disputed the debt but not listening. It was clear they never looked into the dispute but requested me to pay the debt which I did not owe. 
I was wrongfully charge for {$130.00}. As the seller, I should get the payment of {$130.00} instead. 
I also researched at community.ebay.com and found similar situations to my case. I was convinced that XXXX established such wrongful practice and business culture to its customers. The XXXX User Agreement prevented its users to file court cases and class cases. Their internal appeal and dispute process was fraudulent and failed systematically and purposely to take advantages of its customers. 
I was wrongfully charged for {$130.00}. I felt I have to yield to the corporate power to pay the amount even it was not my debt. 
I wish CFPB could review the XXXX User Agreement/18. Legal Disputes for regulatory compliance. I wish CFPB could take actions to protect the consumers financial rights on XXXX. It is wrong for a costumer to pay the debt who does not owe. 
I attached a few documents for additional information. 
Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

Whom this may concern, I dont know what kind of company you are, but I put in complaints against Experian because I can not get to a live person. I have a right to talk to someone live not a machine. The machine will not let me get to live person. I am a consumers with a big, thats why I come to you. I put a complaint in on XX/XX/XXXX. The complaint number was XXXX. I never asked Experian to send me a credit report they credit report today meanwhile, my complaint have not been cleared, and I still can not talk to a live person. Thats why I come to you is the only credit bureau that you can not talk to a live person. The only person you could talk to is XXXX XXXX  and XXXX XXXX dont understand what XXXX saying I need answers and I know I have those answers now Im coming to you with my complaint again, and I like to know what are you gon na do just forward the complaint and leave it there and my problem have not got resolved I have I supposed to have companies being hacked into and company sending me letters and this wont put a life person on the phone for me to talk about the letter that I received and XXXX of them was XXXX XXXX XXXX  and I have to talk to them about the letter I received from XXXX XXXX XXXX about my credit I didnt ask him to send me a credit report that was not my complaint so I like to know what youre gon na do. Whats the next step who do I go to besides you file a complaint against Experian
Consumer complaint received 2023-05-04
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: CREDIT ACCEPTANCE CORPORATION (OK)

In accordance with the Fair Credit Reporting act. The lists 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 Sextion 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 items of information, other than records of convictions of crime 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 2024-04-30
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)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 2023-03-13
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 RighTo 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 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states, a consumer reporting agency can not furnish an account without my written permission.

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 antedated 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 2024-06-21
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. (IL)

My credit profile contains inaccurate information, which is unfair to me. I request that you investigate this matter and correct it. I am really sick and tired of these problems. If there are no updates on my inquiries, I will go to court.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I acquired a XXXX XXXX XXXX Credit Card and it was the worst mistake of my life. I hated working with XXXX XXXX, they are AWFUL, so I paid off my card and closed my account in XXXX of 2023. Then, somehow in XXXX, months after my account has been closed, I am notified that there is a balance on my card. This is impossible, as the card was paid off and the account closed. I called XXXX XXXX so many times and every representative told me my account had no balance. Experian continues to report that my credit is dwindling because of this 'past due amount ' which does not exist. Please help me fix this. XXXX XXXX is XXXX of the worst companies I can XXXX and they have now unfairly ruined my credit.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

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 Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/2024
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-06-21
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)

I am initiating a dispute and investigation because these accounts are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am owed {$1000.00} for each error. FCRA 605B stipulates that any inaccurate accounts on a consumer 's report must be reported.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, 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)

Credit agency ( 3 in total ) won't remove my discharged loans. I have made multiple dispute requests since discharge. ( XXXX approved full discharge of all loans ). I have even tried to understand how they made it to the credit agency because they were. Not classified in default or late. I was on an approved payment plan/income program with lender and the loans are sitting in multiple credit agencies. Explained to credit agency that XXXX approved full discharge, I mailed paperwork dated XX/XX/2023 of approved discharge and letter regarding loans being removed. Credit agency won't remove discharged, they are leaving them on to XXXX. Its illegal to leave discharged loans in credit profile. 


Other issue is XXXX loan was fully paid off and balance is incorrect. XXXX said they would have debt removed. Vehicle was in accident and Insurance paid out check with gap insurance finishing the final payment. Car was fully paid for in full.
Consumer complaint received 2024-04-30
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)

Despite our previous discussions and assurances, it appears that the fraudulent items have not yet been removed. This continued presence of unauthorized charges is not only concerning but also poses a significant inconvenience and financial burden to me. 

I want to reiterate the urgency of this matter and the importance of promptly resolving it. These fraudulent charges not only impact my financial stability but also erode the trust I have in our business relationship. 

Therefore, I kindly request that you take immediate action to remove the fraudulent items from my account and provide me with confirmation once this has been completed. Additionally, I would appreciate any insights you can offer regarding the investigation into these unauthorized charges and the measures being taken to prevent similar incidents in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-08-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX opens a 9 months cd for 5 % interest rate. When I went to collect on XXXX XXXX, I was given only {$5.00} ( XXXX instead of 5 % ). I spoke to a banker about it and he called support and opened a case. Chase agreed to pay me {$560.00} the difference for the error they made. I was told to go to the bank and speak to the manager and have him email certain department at main Chase bank. I did as I was told. 4 weeks later I went to check on my refund. The manager did not know why the delay in refund. He filed another cd correction form and gave me a copy. It's been 5 weeks since he filed the cd correction form and no refund yet. I tried to call the bank with no answer. Chase said someone will call me but nothing happened. I feel like I am begging for my money. 10 weeks and I have yet to receive my money. Chase bank sucks royally!
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Would you please review the documents? Several of the listed accounts are inaccurately reported. I should be compensated {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

WF refuses to let me open a CD account online, stating that I need to provide a valid US address. For the last 5 years my salary has been deposited into my Wells checking account and my rent and utilities paid out through the same account. I have been receiving tax forms from them every year in the mail. They know my primary residence is in US. Either way I went to the bank twice, on XX/XX/XXXX and XX/XX/XXXX, to verify my address and provide anything relevant to prove my XXXX. At the branch we verified and double checked everything. They have my green card, social security number, drivers license and a renewed XXXX form. I also opened a XXXX account during the last appointment. The banker assured me all looks good, promised to follow-up with me about that error but never did. Despite all looking good, I still cant open a XXXX account online and continue getting the same misleading, irrelevant error. Wells Fargo website clearly has a glitch of some sort and they dont seem to have any intention of addressing or fixing it.
Consumer complaint received 2024-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (CA)

Cashapp closed my account and banned my social security number from using their services but would not provide me with any information and was intentionally vague and confusing in their statements to me in an attempt to evade my questions. See the screenshots of conversation and you will understand. 
I joined a class action lawsuit just days prior to this happening and I dont think its a coincidence either. I had been using CashApp for many years prior to this. Their customer service seems like it is mostly AI driven and their computer driven algorithms have too wide of a net without any human to oversee it.
Consumer complaint received 2024-05-13
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)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.