davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Portfolio Recovery Associates is the debt buyer. A year ago I asked for proof that it was my debt. They could only send me the itemization of delinquent payments since XXXX. This is when they took over the account. I asked who was the original company that claimed the delinquency. They could only tell me XXXX XXXX  and the account number. I tried calling that bank to get information and they could not help me being that the so called debt was sold to Portfolio Recovery Associates. All my other accounts on my credit report I can see very easily when my payments were made and if late or not.
Consumer complaint received 2022-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I terminated XXXX XXXX service at a previous address I was not under contract yet XXXX assessed a {$30.00} early termination fee that they refused to credit. Ultimately I was not aware that XXXX claims to have sent this to collections and paid the {$30.00} immediately when I found out. However, as a result of this erroneous charge, which never shouldve been billed to me in the first place, and which has been paid off in fullmy TransUnion credit score decreased over 100 points, to where I cant get approved for the best mortgage rates and I was just denied for a credit card. Worse, I have disputed this factually with TransUnion three times and yet it still remains as a negative sharply, depressing my credit score, especially when looking at the difference between my TransUnion score and the other two agencies. How a {$30.00} charge could have such a negative and disproportionate impact on a credit record that is otherwise flawless, eludes me and I want to fix it because this is an injustice not just for me, but for so many other consumers, who are held back from their American dreams by the most trivial information with no accountability to correct errors.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (FL)

I placed a dispute with my Wells Fargo Credit card for a purchased at XXXX XXXX XXXX  in the amount of {$17000.00} on XXXX XXXX. Wells Fargo denial my complaint on XX/XX/XXXX. The Merchant lied that I was explicately informed of " no refunds or returns '', at no point of the sales was I verbally informed on this policy. The sales agent blindsided me into signed a form telling me this was " for permission to email '' me about skincare information. At no time was I informed that this product was not eligible for " Returnable for Refund ''. Also, when I talked to XXXX, sales agent on XX/XX/XXXX advising her about my " returning the merchandise '', she never advised that this product was not eligible for refund or return. She advised that a manager will be in contact with me. This seems be their standard answer, as I am told a manager will call me every time I call the store. 
I return the merchandise to the store on XX/XX/XXXX after waiting for a response from management, which never came. The representative accepted the Merchandise Return and I was advised a Manager will contact me about a refund. Weeks went by with No Response. I reached back to the store, again I was told a Manager will contact me. To date merchant still has my returned merchandise and the credit card company is allowing the merchant to keep the merchandise and make me liable for the charged amount of {$1700.00} ... the first machine was defective and the exchanged product did hold a charge but I did not use it long enough to see if it any any other issues. It is a high price gadget to have any defectives. I was told that XXXX would pay the remaining balance of this product ... my portion was only {$1600.00} with tax. However, after I left the store, I realized they never asked for my medical insurance information. Again that was another lie. This merchant is not responsive and has not done anything to resolve the issues and Wells Fargo is allowing this merchant to defraud/scam me. I was lured into XXXX XXXX for a facial and I was high pressured into buying this LED machine that I was told it was XXXX XXXX XXXX XXXX XXXX was defective so, they exchanged it, and I informed them of my intention for to return the product on XX/XX/XXXX, a week after the purchase. I was well with in the time period for exchange or refund. Again I was NEVER informed verbally that this product was not eligible for return. I blindsided to signing that written form.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX, Experian and XXXX are reporting an incorrect coding of the XXXX XXXX   XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-06-08
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. (MN)

On XX/XX/XXXX a charge from XXXX XXXX was used on my debit card for {$640.00}. On XX/XX/XXXX a charge from XXXX XXXX XXXX was used on my debit card for {$28.00}. On XX/XX/XXXX a charge from XXXX XXXX was used on my debit card for {$320.00}. I called Chase bank on XX/XX/XXXX to report my card as stolen. I didnt know I lost my wallet and my card was inside. The transaction I used on my account with my physical card was at XXXX XXXX XXXX for {$1.00}. I received a letter saying that all of the temporary credit I was provided will be taken on XX/XX/XXXX which is a total of {$990.00}. When I called the bank they said that they had deemed my transactions as authorized and that they will be sending information in 2 business days. I also asked if I can appeal but I will have to provide proof that my card was stolen. I reported my card stolen the second I noticed that it was stolen and dont know what other proof I can provide.
Consumer complaint received 2024-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (TX)

I have XXXX accounts opened on XX/XX/year> from Credit Management Company with XXXX XXXX XXXX. I was not notified of this debt nor was I ever at this location receiving medical attention. This is fraudulent and I need it to be removed from my report. XXXX account is XXXX and the other is XXXX
Consumer complaint received 2024-09-03
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: OneMain Finance Corporation (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/year> XXXX XXXX XXXX Re : RE-REVIEW XX/XX/year> REMOVAL of interest, late fees & finance charges Case # XXXX USAA BANK, This letter is regarding my recent submission for RE-REVIEW on XX/XX/year> for my USAA XXXX XXXX card. I have not received a written response back from your investigation team nor a call back from the credit card investigator as of todays date. 
Additionally, there are fees, interest and late charges being assessed to the dispute charge in question. Per the Fair Credit Billing Act, USAA Bank CAN NOT charge me interest, late fees or finance charges tied to the claim in review. The below fees must be removed and credited back to my XXXX card per the Fair Credit Billing Act. 

Date Description Original Description Category Amount Status XX/XX/year> Adjustment to Account ADJUSTMENT TO ACCOUNT XXXX XXXX TX Shopping XXXX Posted XX/XX/year> Interest on Purchases Interest on Purchases Finance Charge XXXX Posted XX/XX/year> Adjustment to Account ADJUSTMENT TO ACCOUNT XXXX XXXX TX Shopping XXXX Posted XX/XX/year> Adjustment to Account ADJUSTMENT TO ACCOUNT XXXX XXXX TX Shopping XXXX Posted XX/XX/year> Adjustment to Account ADJUSTMENT TO ACCOUNT XXXX XXXX TX Shopping XXXX Posted XX/XX/year> Adjustment to Account ADJUSTMENT TO ACCOUNT XXXX XXXX TX Shopping XXXX Posted XX/XX/year> Adjustment to Account ADJUSTMENT TO ACCOUNT XXXX XXXX TX Shopping XXXX Posted XX/XX/year> Adjustment to Account ADJUSTMENT TO ACCOUNT XXXX XXXX TX Shopping XXXX Posted XX/XX/year> Adjustment to Account ADJUSTMENT TO ACCOUNT XXXX XXXX TX Shopping XXXX Posted XX/XX/year> Adjustment to Account ADJUSTMENT TO ACCOUNT XXXX XXXX TX Shopping XXXX Posted XX/XX/year> Adjustment to Account ADJUSTMENT TO ACCOUNT XXXX XXXX TX Shopping XXXX Posted I am enacting my right to a fair and legal review. All investigations and information related to the charge in question must be replied to in writing with discovery within 10 days from the date of the review request on XX/XX/year> which was effectively XX/XX/year>. USAA Bank is now out of compliance in accordance with FTC regulations as no response has been given. 

We await your written reply along with adjustments to credit my XXXX XXXX card. 

Respectfully,
Consumer complaint received 2024-04-21
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. (OH)

I checked my credit report & seen an account that does not belong to me. I filed an identity theft report. I disputed the account with you on the app but the account was verified. 15 USC $ 1681c-2 states any account identified as fraud should be removed. The account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc. (AZ)

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX which solicited me to invest a substantial amount of money. All payments were made in the way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial brokers. Some transfers were made through my wallet hosted by www.crypto.com. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX Based upon the understanding that www.crypto.com is acting compliant and will provide due care towards its wallet holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for the provision of information to Crypto.com. Unfortunately, Crypto.com provided a formal response to our justified request, failing to provide the requested information about the VASPs hosting the beneficiary wallets. In my opinion, such behavior from www.crypto.com represents a clear example of the mistreatment of my consumer rights as a consumer.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-04
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

I purchased a computer with an Apple credit card via Goldman Sachs. I have repeatedly tried to make payments, and escalated the issue with their customer service dept. They have repeatedly told me they can not take my payment information. They are now charging me late fees and penalty interest despite them saying they can't take my payment info. 

I have tried at least a half dozen times over the last three months to get this issue resolved. I have called them repeatedly to get this resolved. Each time they have said they can't take my payment info and request I use another account other than my primary account with my credit union. I do not have any other bank accounts. 

I went to my credit union to get advice from them on how to handle this, to get Goldman to take my payment info, and my credit union said I should give Goldman my XXXX number. Goldman says they won't take my XXXX number. 

I believe that they are deliberately obstructing my attempts to pay because I do my banking with a credit union, and to exploit this issue to increase the amount I have to pay for the computer I bought using their card via Apple. 

I want the CFPB to intervene and set this right, and to fine or penalize Goldman in any way possible for their bad-faith bargaining. Again, I believe they are deliberately obstructing my attempts to make a payment so they can charge me additional fees and interest on my purchase.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently reviewed my credit report and noticed inquiries I did not authorize and I have never done any business with theses companies nor gave them permission to pull my credit. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (PA)

Subject : Credit Report Dispute Case # XXXX Dear LexisNexis Consumer Center, I am writing to formally dispute inaccurate information contained in my credit report. Despite submitting a complaint on XX/XX/year>, and receiving your response on XX/XX/year>, the incorrect information remains unresolved. Below, I have detailed the issues and provided supporting documentation. 

Issues to Address : Incorrect Name on Credit Report : The name " XXXX XXXX XXXX '' is erroneously associated with my credit report. My correct name is " XXXX XXXX XXXX. '' This incorrect name is causing confusion and inaccuracies in my credit history. 
Supporting Documentation : Credit Report from LexisNexis : Showing the erroneous entry " XXXX XXXX XXXX '' as provided by XXXX XXXX XXXX and other sources. 
Identity Theft Report : FTC identity theft report indicating misuse of my identity. 
Attorney 's Letter : Attached is a letter from my attorney supporting my claim. 
Utility Bill : Copy of my utility bill for identity verification. 
Actions Requested : Immediate Removal of Incorrect Name : The name " XXXX XXXX XXXX '' must be removed from my credit report as it does not belong to me. 
Correction of Personal Information : Ensure that only my correct name " XXXX XXXX XXXX '' is associated with my credit report. 
XXXXerification Procedures : Provide a description of the procedures used to determine the accuracy and completeness of the disputed information as per my rights under the FCRA. 
Notification of Changes : Furnish notification of the deletion of disputed information or a dispute statement to any person who received a LexisNexis consumer report for employment purposes within the past two years or for any other purpose in the past six months. 
Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Phone : ( XXXX ) XXXX Email : XXXX Please confirm receipt of this dispute and provide a timeline for resolving these issues. Should you need any further information, feel free to contact me at the provided phone number or email address. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive noticed there are several items on my credit report that do not belong to me. Ive contacted all three credit agencies asking for further information verified. I have not received any information.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

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 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

Subject : Dispute of Inaccurate Information on XXXX, Innovis, and XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX, Innovis, and XXXX XXXX report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : 1. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

2. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

3. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

4. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation. 
5. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken.

Violations of Law : I believe the verification process by XXXX, Innovis, and XXXX XXXX violate my rights under the following laws : 1. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

2. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

4. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

5. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX XXXXXXXX, and XXXX report. Specifically, I ask that : XXXX. XXXX, Innovis, and XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, Innovis, and XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, Innovis, and XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Consumer complaint received 2023-09-01
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. (IN)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.