davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

Caine Weiner XX/XX/XXXX {$330.00} XXXX XXXX XXXX XX/XX/XXXX {$120.00} Hard Inquiries XXXXXXXX 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 XXXXXX/XX/XXXX ALL IN CREDIT UNION XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  i recived notification about all these accounts that i have no knowledge whats so ever, it has been so disheartening to go through this the fact that someone would use my information for their own personal gain, i am deeply saddened for myself and the impact it has been on my life
Consumer complaint received 2024-07-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (OH)

I'm XXXX XXXX has been part of identity theft I was cleared of all eviction that were put in my name .I 'm writing you because I have a collection that's in my name that I didn't do and it is harming me to get a apartment, l have reached out to this collection agency national credit system who have the collection and they are saying it is me I sent them a police report a hand analysis and they refuse to take it off because of a signature that is definitely not mines so I will appreciate if y'all can help me please I will be gladly to send you any of the information you need to help me thank you
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FISERV INC. (CA)

A money network account was created by my employer to facilitate direct deposits. The account had only received direct deposits and no other transactions UNTIL I withdrew from an ATM at XXXXXXXX XXXX on XX/XX/year>. From then, no other transactions were made/authorized by me. On XX/XX/year>, I decided to check if my direct deposit was processed. To my surprise several unauthorized transactions posted to my account. Immediately called to notify money network and they stated I need to fill out a dispute form. The dispute form arrived ( no information of my rights were attached ) and I emailed it back with an explanation on XX/XX/year>. This falls with in a XXXX business day period required for a provisional credit. I have been calling twice a week and now they request additional information but fail to tell me what information they seek. I never lost my card, I was never notified or received fraud alerts. There isnt much more explanation available as it is a new account. I am always directed to a third party customer service company and can never speak directly with a money network dispute/fraud department agent nor can the representatives connect me nor can I find the info online.
Consumer complaint received 2024-07-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (DE)

Rolled over a CD on XX/XX/year>, changed mind and closed it on XX/XX/XXXX. The fund received was the beginning balance on XX/XX/XXXX, no interest at all.
Consumer complaint received 2023-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX  ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NY)

XX/XX/year> ( Sunday ) I attempted to transfer XXXX $ from my Venmo account to my bank account. Venmo had an " error transferring '' message. 
I waited until Monday to call my bank, which verified the issue is not on their end it was on Venmo side. 
Now I attempted to call customer service but was unable to speak to a human unless I chose the " fraud '' option. So I lied and chose that option. 

At which time I was told so sorry but I cant approve the transfer and venmo doesn't tell us why. So I ask, ok well how shall I get my money? The Customer service rep. then told me he was not sure, so I then waited on hold for over ten minutes for a manager. 
Still no resolution. If I email I have to wait for a reply, no one helps at customer service, and chat is AI This can't be legal? It's my money
Consumer complaint received 2024-07-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: World Omni Financial Corp. (FL)

I am writing to formally request the removal of an item from my credit report due to the charge-off status. The details of the account in question are as follows : - Account Number : Unknown - Original Creditor : SETOTOTA FIN DBA OF WOFC - Amount : {$15000.00} According to my records and under relevant federal and state laws, a charged-off debt is no longer my responsibility, and as such, it should be removed from my credit report. Specifically, the Fair Credit Reporting Act ( FCRA ) and other applicable laws dictate that inaccurate, incomplete, or unverifiable information must be corrected or deleted from my credit file. 

I have verified that the debt has been charged off by the original creditor, and therefore, it is no longer a collectible debt by your agency. Furthermore, the presence of this charged-off item on my credit report is causing undue harm to my credit score and financial standing.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Since XX/XX/XXXX, Somebody has been using my Chase debit card to pay, and I have not received any notifications from the bank regarding my balance. All of the {$510.00} on my card has been used. The odd thing is that I just opened this account last month, and I have not used this card for not a single time ever since I made two deposits, plus the card was never stolen or anything, I never showed it to anyone too.
Consumer complaint received 2024-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Dovenmuehle Mortgage, Inc. (PA)

Received letter on XX/XX/year> that we had unclaimed funds in the amount of {$3500.00}. We went through the process of submitting our information to Dovenmuele Mortgage company to return the funds to us. After months of requests by us, submitted to Dovenmuele Mortgage , Inc, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX, fax XXXX, calling Customer Service at XXXX, a supervisor suggested to call the State of PA to see if the State has the check. XXXX XXXX XXXX  at the State emailed me that they have checked for the funds and they do not have anything from Dovenmuele to us. Please help, Thanks.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

A charge off means that a lender or creditor had written the account off as a loss and the account is considered to be used as income when filling taxes for the consumer which mean it should not be used to be reported on credit report. According to 15 U.S.C. 1681 ( 1 ) the banking system is dependent upon fair and accurate credit reporting. In accurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The charge off of this account reporting a late payment is a clear violation of the FCRA law. Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions. The information on two different credit reporting agencies is reporting two different information and dates do not match
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) i have attached copies of my id
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX and XXXX XXXX XXXX. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that XXXX XXXX XXXX XXXX XXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Employer - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NY, XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) i have attached copies of my id
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

SAW A LINK, DONT REMEMBER WHERE, THAT SAID I COULD GET XXXX FREE CONSUMER REPORT. CLICKED ON THE SAME LINK AND RECEIVED PAPERWORK FROM LEXISNEXIS AND NOT THE FREE CONSUMER REPORT? RECIEVED THE FOLLOWING XXXX LETTERS FROM LEXISNEXIS, BOTH HAVING SAME INFO? WHAT IS THIS!?!?!?! 

XX/XX/2024 LEXISNEXIS CONSUMER NUMBER XXXX CASE NUMBER XXXX XX/XX/2024 CONSUMER NUMBER XXXX CASE NUMBER XXXX XXXX. CONSUMER STATEMENTS THAT YOU REQUESTED BE PLACED ON YOUR FILE XXXX. ALERTS OR FLAGS INDICATING THE EXISTENCE OF A SECURITY FREEZE... 
XXXX. DATA THAT IS CURRENTLY UNDER DISPUTE BY YOU .... 
XXXX INFO PERTAINING TO SOURCE OF DATA ON THE REPORT... 
XXXX. IDENTIFICATION OF ENTITIES WHO REQUESTED MY INFO... PRIOR 12 MONTHS XXXX. COPIES OF REPORTS PROVIDING ACCESS TO MY INFO TO COMPANIES XXXX, " HOW TO READ '' INFO IN MY FILE XXXX. APPLICABLE FEDERAL AND STATE SUMMARY OF RIGHTS
Consumer complaint received 2024-07-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (NH)

On XX/XX/24 at XXXX I used cash App to pay someone {$400.00}. The recipient did not receive payment. I contacted Cash App customer service XX/XX/24. The agent I spoke with, XXXX, asked me if I had business with anyone in Pennsylvania, Sourh Carolina, and or California. He told me that my account was put on hold. We were then disconnected. He called me back and asked me to access a few different apps ( XXXXXXXX XXXX  and others ) Nothing was figured out and once again disconnected. 
I called back several times and got a very rude agent! After several disconnects I gave up as I was working and had already spent XXXX on the phone with CS. 

I spoke with the recipient of the {$400.00} I sent the money to. She also contacted Cash App CS. The agent she spoje with wanted her to send a picture of her passport, or green card to verify her identity. She refused. 
Any help, suggestions, etc that you may be able to provide me would be greatly appreciated. 
Thank you for your time.
Consumer complaint received 2023-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint regarding an unfamiliar account, XXXX XXXX XXXX, with Account # XXXX, that has been inaccurately posted on my credit report. I have no knowledge of the origin of this account, and its reported opening and closing dates are both inconsistent with any financial activity I have been involved in. 

I have no record or awareness of an account with XXXX XXXX XXXX, Account # XXXX. It is concerning and distressing that this account has appeared on my credit report without any prior notice or verification. 

The reported opening date of XX/XX/, and closing date of XX/XX/, are entirely inconsistent with any financial activity or accounts that I have been involved with. This inconsistency further raises questions about the accuracy of this reported information.
Consumer complaint received 2024-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (OH)

I reached out to cashapp to fix my name and they closed the account. They suggested opening a new account. The representative walked me through opening the account, but it was closed immediately. I appealed the decision and was advised that it went towards the terms of service. However, there was no explanation of what was violated. I have asked by phone and the call was disconnected by the associate. I asked by chat and the associate disconnected as well. No one will speak with me.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

The amount of debt of {$2600.00} is not accurate. The company, National Credit Systems , Inc ( NCS ) has not provided me with any proof of ownership or Bill of Sale regarding this debt. As far as I am concerned I do not owe this amount and deny their allegation.
Consumer complaint received 2024-07-10
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: Bread Financial Holdings, Inc. (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-27
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. (GA)

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. 

Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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.