davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2023-07-24
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: Experian Information Solutions Inc. (FL)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX I was preparing to pay my XXXX XXXX credit card bill from my Wells Fargo checking account ending in XXXX when i observed there was a significant dropped of cash amount on my checking since i always make sure that my checking always have sufficient amount because mainly all my auto pay from my mortgage and other bill pays were linked to this checking account. I tracked the account activity on my checking account and found out on XX/XX/XXXX unauthorized amount of {$8100.00} was charged on my checking account under BILL PAY XXXX XXXX XXXX XXXX XXXX XXXX ON-LINE and also before that there was an online transfer of cash amount of {$5200.00} from my Wells Fargo Active cash card, now i have an additional charge balance of {$5200.00} on my Wells Fargo credit card which i haven't authorized or done. I back tracked more on my checking account activity and found another unauthorized charge of {$7900.00} last XX/XX/XXXX also under BILL PAY XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX ON-LINE. I never owned an XXXX XXXX I reported this fraud activity at that same day XX/XX/XXXX and closed those compromised accounts. Wells Fargo proceeded their investigation regarding my online fraud claim Claim # XXXX and determined the transactions and transfers were authorized and closed the claim, I requested those documents they used on their investigation which made them to decide that it was a legit/authorized transaction from me. I contacted the XXXX XXXX XXXX. yesterday XX/XX/XXXX and confirmed that i dont have an XXXX XXXX  under my apple account case # XXXX, The XXXX XXXXXXXX XXXX representative tried to contact XXXX XXXXXXXX XXXX in regards to this issue but unable to get through since I don't have an account number with them. I already filed a police report on this and also submitted a report on IC3 internet crime complaint of the Federal Bureau of Investigation.
Consumer complaint received 2023-08-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (MD)

Since XXXX, Harris & Harris has been trying to call me to collect a debt. I told them not to contact me as I know that are not a company holding any debt for me. The woman on the phone was aggressive and had demanded I pay them but I told her to stop calling. I am also registered on the national do-not-call list and have been for years. Since then, I receive calls every month, sometimes multiple times each month. Even though I have blocked them, I can still see when they call. They never leave a voicemail and sometimes the calls actually interrupt calls I'm currently on or emails I'm typing on my phone ( I often use my phone for work ). Below are a list of dates and times that they have been calling me since the XX/XX/2023, most recent to oldest. Also, I've included a screenshot of my phone record showing all the incoming calls from them. 

today 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 2023-11-15
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NC)

My credit limit was reduced from {$1800.00} to {$100.00}. I have never been late on a Synchrony bank credit card. 

The reasons given were lack of real estate, too much revolving debt, credit limit maxed out, delinquency. 

I own a home My credit limits maxed out are those Synchrony reduced. 
Amount of credit and delinquency was there when the account was given to me. So ok to have it then? But not now?
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : 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 2023-04-29
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: EQUIFAX, INC. (AL)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency, ( Bureau ), any WRITTEN CONCENT to report anything on my consumer report which Violates my rights as a federal protected consumer. NO CONCENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY! 



Account Name : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Listed XXXX XXXX  XXXX XXXX XXXX XXXX Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Consumer complaint received 2023-07-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023, per the FCRA, I notified Bank of America that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent in dispute letters to all 3 credit bureaus regarding inaccurate items, I had found. This was done on XX/XX/2023. To date I have not received any notifications that they have begun investigating my disputes. This is a clear violation of the FCRA, and completely unfair to me as a consumer. By law I have the right to a fair and accurate credit report. 

I have attached the 3rd letter sent to the credit bureaus to this claim.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-08-18
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: Absolute Resolutions Corp. (FL)

This company has been inaccurately reporting credit information to the 3 bureaus which is effecting my credit and havent been able to verify the account so they have now took the item from an open collection status to closed. I have tried to dispute this collection several times and still haven't got the the account removed. I also contacted the XXXX they said they would send me information verifying this account and never did that as well. According to the CFRA laws, if an account can not be verified or reported 100 % accurately it need to be deleted asap from all the credits bureaus. I have attached a copy for my recent credit report on XX/XX/2023 FROM XXXX Reference # XXXX and underlined everything in RED that has been reporting inaccurately.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-07-18
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. (NJ)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of 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 Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX, CA, Incorrect XXXX : - XXXX Incorrect CurrentAddress : - XXXX XXXX  XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : XXXX CFR PART XXXX [ 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 TO THIS MATTER!
Consumer complaint received 2023-08-19
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: LEXISNEXIS (MD)

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 2023-04-29
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. (NC)

Account number : XXXX XXXX, XXXX, XXXX Violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ). Delete these accounts or remove the late payments to protect your company from lawsuits.

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my XXXX, Equifax & XXXX consumer report, and I noticed you XXXX XXXX XXXX XXXXXXXX are reporting my transactions and experiences specifically late payments that you have posted on my consumer report from multiple accounts : Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX XXXXXXXX XXXX XXXX Making the report is NOT INCLUDED on my Consumer report! 


Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my Transaction/Payment history and DELETE all late payments from the accounts listed in this letter and all accounts listed on my credit reports from your company.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

EQUIFAX, XXXX, XXXX HAVE CONSISTENTLY REPORTED INACCURATE NAMES AND ADDRESSES. HERE ARE THE FOLLOWING INACCURACIES THAT ARE STILL SHOWING ON MY REPORT : - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-07-16
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

The company closed my credit card after the car was seized, cold creditors began to close my credit cards and demanded that the outstanding debt be returned, but at that time I could not pay off debts on all cards at once, it was quarantine and I was left without work and no income. This year in XXXX, the lender sent me a Form 1099-C to write off taxes with a debt amount of XXXX. But this loan still hangs as outstanding on my report, although the write-off date on the form is XX/XX/year>.
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (NC)

On XX/XX/year> my company XXXX XXXX XXXX sent XXXX XXXX to Wise to be transferred to a rXXXX XXXX XXXX XXXX that I was renting for a XXXX I was having the XXXX to XXXX of XXXX XXXX. It was a stressful process and in my stress I managed to transfer my money to the wrong receiver. The XXXX  owner reacted a few days later stating that she hadn't received the money, so I panicked and immediately reached out to WISE and filed a claim to get my money back. They said that I shouldn't worry and that they would help me and that it would take about XXXX working days. During this time I regularly checked in with them and after XXXX days they returned saying that they couldn't help me. I don't know how to get my money back since the receiver is a complete stranger and I don't know how to reach her. Please help! Thanks
Consumer complaint received 2024-05-24
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Recovery and Collections, Inc. (NV)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against [ Sentry Recovery And Collection ] To Whom It May Concern, I am writing to file a formal complaint against [ Sentry Recovery And Collection ] regarding their debt collection practices, which I believe are in clear violation of my rights as a consumer. Despite repeated attempts to address this matter directly with [ Sentry Recovery And Collection ], they have failed to provide the necessary validation information and have proceeded to report the debt to consumer reporting agencies. 
Specifically, [ Sentry Recovery And Collection ] has not complied with the requirements outlined in 12 CFR 1006.34 ( b ) ( 5 ) by failing to provide validation information for the alleged debt. Despite this failure, they have proceeded to place the collection on my consumer report, denying me the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Furthermore, I assert that [ Sentry Recovery And Collection ] has violated my consumer rights by employing false, misleading, and deceptive means in their debt collection efforts. Their actions are in direct contravention of the Fair Debt Collection Practices Act ( FDCPA ) and other relevant regulations governing debt collection practices. 
It is imperative to note that [ Sentry Recovery And Collection ] has no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures as required by law. This blatant disregard for regulatory requirements is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

In light of the aforementioned violations, I am formally disputing all debts claimed by [ Sentry Recovery And Collection ]. Additionally, I am exercising my right to cease and desist all communication from [ Sentry Recovery And Collection ] via email, text messages, and phone calls. I request immediate debt validation and the provision of the purchase agreement between [ Sentry Recovery And Collection ] and the original creditor ( XXXX XXXX ). Moreover, I demand proof of [ Sentry Recovery And Collection ] 's licensing and bonding as a debt collection agency. 
I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to ensure compliance with consumer protection laws. Please do not hesitate to contact me if further information or documentation is required to support this complaint. 
Thank you for your attention to this matter, and I look forward to a prompt resolution. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

Received a {$500.00} Amex gift card. Have not been able to use anywhere online or in stores. I've tried adding the card to my XXXX XXXX  but all purchases have been declined thus far.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

XXXX deposited a workers comp insurance payroll check from XXXX for {$1600.00} The check was placed on hold even though chime already received funds. They keep saying it's to ensure it doesn't bounce but they already received the funds.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Have been working on this issue since XX/XX/2021. Could not close on my condo and sell it because of this lien. XXXX would not work on this issue with XXXX XXXX. Lost 2 sales
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX 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 2023-04-28
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. (NC)

I have ( 3 ) accounts that are inaccurate on my credit report.

( 2 ) accounts from XXXX XXXX XXXX ( loan and credit card ) ( 1 ) account from XXXX XXXX  ( loan ) 15 USC 1681A ( 2 ) - I didn't give written permission to have those accounts furnished on my report