davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
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. (AR)

I am writing to formally file a complaint regarding the presence of fraudulent items on my credit file. Despite my previous attempts to address this matter, the inaccuracies persist, causing significant harm to my credit score and financial standing.

There are items on my credit report that are the result of identity theft or fraud. These inaccuracies have been impacting my credit score and causing distress. 

I have submitted dispute requests along with supporting documentation to prove the fraudulent nature of these items. However, I have not received a satisfactory resolution to date. 

The presence of these fraudulent items on my credit file is adversely affecting my ability to obtain credit, secure favorable interest rates, and maintain financial stability. 

I am requesting that you conduct a thorough and expedited investigation into these fraudulent items. I have attached copies of the supporting documentation for your reference. 

Furthermore, I expect timely communication and a written confirmation of the investigation 's progress and resolution. It is crucial for me to receive assurance that these fraudulent items will be promptly removed from my credit history. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent 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 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. 

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  has violated my rights. 
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
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. (NV)

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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case remove off my credit report I also sent in certified mail I didn't get no response im asking for this to get remove off my credit im trying to buy me a house and this is stopping me
Consumer complaint received 2023-12-21
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. (AZ)

This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ, XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ, XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AZ, XXXX XXXX XXXX XXXX XXXX , XXXX, AZ, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (VT)

On XX/XX/XXXXXXXX XXXX XXXX someone from XXXX XXXX charged my card again with out my permission and was posted on XXXX XXXX XXXX. I did not give permission for any of this to happen. Verbally, by phone or otherwise.I have had no knowledge of this once again and they are refusing to remove this amount of {$5800.00} ) I will not pay for a furniture amount for a bedroom set I did not!! Authorize. Please please help!!? This needs to stop and be removed. This is fraud and someone in XXXX vt or XXXX by is trying to steal my identity and committing a crime. This is not my charge and by writing to you I was told you would help. Please help this is ultimately ridiculous! I did not apply this purchase. This needs a simple balance adjustment off my credit card and this would be resolved. Never in my whole life has anything this crazy ever happened to me. You must help.
Consumer complaint received 2023-06-17
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: Berlin-Wheeler, Inc. (Kansas) (RI)

I have no knowledge of these accounts. And it needs to be removed from all XXXX credit reporting agencies immediately. I did not provide express verbal or written consent to obtain any information about any of my personal and confidential private information.
Consumer complaint received 2024-07-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: TD BANK US HOLDING COMPANY (VA)

On XX/XX/2024 I closed on a {$25000.00} conventional refi loan with TD Bank. The nearest branch is over XXXX miles away from my residence, so I closed with a notary at my residence. Funds were to be disbursed XX/XX/2024 and mailed by the XXXX XXXX. On XX/XX/XXXX, tracking the package the package status was out for delivery and never was delivered. I called UPS that evening and the XXXX stated the package was lost. 

On XX/XX/XXXX I contacted TD Bank via email and phone to inform them of the lost package. Ever since XX/XX/XXXX there is XXXX XXXX of phone calls to TD Bank call center to reconcile the situation. All I requested of the bank and keep requesting is the check be cancelled and a new check be issued. 

Finally, on XX/XX/2024 an employee from the branch where our loan was closed spoke to me to say the check issued is a cashier 's check and according to federal law can not be cancelled until 90 days after issue if lost. 

A lost check, that I did not loose should not affect our contract. We were closed, I was to receive funds XX/XX/2024. It is almost 1 month later and my first payment will be due and I have not had funds from TD Bank as per contract. 

Please assist in this situation. The bank recommendation is to be patient, possibly wait 90 days and if our payment is due they will not require payment. That is not what our contract states, if you ask me they are in breach. 

Thank you in advance, XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (FL)

The company is Wells Fargo. The last 4 digits on the card is XXXX. There is about XXXX plus charge to the card. The limit on the card was much less. I disputed the charges as it was not mine. I dispute the charge/s and I receive a letter from Wells Fargo stating I receive the merchandise. I request the address where it was delivered, the type of merchandise, the Establishment who provided the merchandise and the person who signed for it. They responded letting me know my dispute was close. I called to redispute and I was told someone will call me back in 48 hours an I am still waiting on a call back. Meanwhile I am being charge.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/XXXX I received a phone notification that indicated my account was past due. I was not using the account and had paid the balance in full. After looking into the account I found on XX/XX/XXXX that I had, in fact, paid the balance in full of XXXX. When I inquired in XXXX, I was told there was an interest charge of {$2.00} that had been added to the account and then assessed late fees several times. The representative for the company informed me that these fees would be removed from my account by the next billing cycle and the late payments would be removed in 45 days from my credit report. The fees were removed from the account, however the credit report is still affected showing two back to back late of 30 and 60 days. I called the company again on XX/XX/XXXX after finding out that the status of the credit report had not changed reflecting that there were no late payments. I was told first that Express/Comenity Bank would not do anything further to help. I asked to speak to a supervisor and was then told that the documentation necessary to address the credit report was not submitted in XXXX when I first called and was being submitted now on XX/XX/XXXX and would take another 45 days. 
I am in the process of purchasing a home and put off continuing the process in XXXX as this error had dropped my credit limit on the card and my credit score. Now I am being further penalized by this predatory practice and being told possibly another 45 days. I have nothing in writing and no idea if anything has actually been submitted due to the company 's unethical practices and unwillingness to address the error in a timely fashion.
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NV)

Barclay Card has closed all of my accounts as what they claim 'negative experience ' without detailed information in 2018. 

I have over $ XXXX available credits with all other banks and over 100 credit cards and 15 years ' experience with no 1-time late payment or delinquency.
Consumer complaint received 2024-09-18
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

Ive disputed this debt XXXX time after it appeared on my credit. The first dispute was on XX/XX/year>, I stated that I did not recognize this collection, they updated it without providing any documentation and left it on my credit. The second dispute was on XX/XX/year>, I again stated that I did not recognize this debt and they again, did NOT provide any information and left alone. I then filed a complaint with CFPB to get them to respond and they provided charges that are incorrect and that I do not owe. I disputed for the third time on XX/XX/year> stating that the charges were incorrect and I would like a copy of a contract from XXXX. NO response and it was closed before it even hit XXXX hours. I am now filing another complaint because they have not provided a contract like I specifically requested.
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CT)

Venmo has locked my Venmo account and money in my account due to a fraud claim submitted inaccurately on XX/XX/year>. The claim came from my girlfriends credit card provider sending me money which incorrectly flagged the charge as fraud. She has since cleared up this issue with her card company and they have agreed to not flag the charge as fraud. I have provided all this information including the direct letters by mail from her credit card company stating there is no fraud and they will no longer be declining the transaction to Venmo. I have sent this off to Venmo on XX/XX/year> but Venmo is currently not doing anything to fix this issue. Instead hiding being a TOS policy of 75 days even when the direct evidence has been presented stating there is no fraud, the charge is not being disputed, and they will get their money. This company has XXXX actual customer support that is going to rectify this situation and basically just withholding my funds illegally at this point. I have spend countless hours on countless chat conversations with Venmo but no one and I mean no one is remotely doing anything to actually investigate this fraudulent fraud claim.
Consumer complaint received 2023-04-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (CO)

I've highlighted the inconsistencies and inaccuracies in the account information provided from the three credit bureaus : XXXX, XXXX, and XXXX. 

Date Opened : There is a discrepancy in the Date Opened across the XXXX bureaus. 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Last Reported : There is a discrepancy in the Last Reported date between XXXX and the other XXXX bureaus. 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Date Last Active : There is a discrepancy in the Date Last Active across the XXXX bureaus. 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX These inaccuracies and inconsistencies may violate the Fair Credit Reporting Act ( FCRA ) provisions. In particular, they violate Section 611 ( a ) of the FCRA, which states that a consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate when a consumer disputes the accuracy of information in their credit report.

Given that the collection agency has verified the inaccurate information, the credit bureaus are now in violation of Section 623 ( b ) of the FCRA, which requires a furnisher of information ( in this case, the collection agency ) to conduct an investigation upon receiving notice of a dispute from a consumer reporting agency and report the results back to the consumer reporting agency.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (CA)

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and receive this validation. Additionally, California Civil Code Section 1788.18 ( Rosenthal Fair Debt Collection Practices Act ) and California Civil Code Section 1785.25 ( a ) provide further protections and require accurate reporting and fair collection practices. 

As JEFFERSON CAPITAL SYST has not met these legal requirements, I request that the Consumer Financial Protection Bureau investigate this matter. Specifically, I ask for : 1. An investigation into the practices of JEFFERSON CAPITAL SYST concerning their failure to provide the legally mandated validation and verification of the debt. 
2. If JEFFERSON CAPITAL SYST can not provide the required proof, I request that this collection account be removed from my credit reports with all three major credit bureaus. 
3. Appropriate action against JEFFERSON CAPITAL SYST to ensure they comply with federal and state debt collection laws in the future.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/24 at XXXX XXXX  I visited a Chase Bank ATM to deposit {$1000.00}, during the deposit the ATM machine froze, I waited for about XXXX minutes and it then spit out a receipt that said To be sure your deposit went through, please call us at XXXX and the money never was spit back out of the machine. I called the number to file a claim and an investigation was opened while I was still sitting there at the ATM. 

I received a letter from Chase Bank in the mail on XX/XX/24 stated that they did an investigation and the claim was denied. 

I called customer service and had the investigation re opened, I also provided them with a photo of the receipt that was mentioned above. 

I called on XX/XX/24 to check on the status of the claim and they stated it was denied again. I requested information on the details of the investigation but they stated they can not provide details and said there is nothing else that they can do. I asked if I can see the video footage and was told no or if I could speak to someone else and was told no. I also asked for the information of the company that would have counted the money that day but was told no they can not provide that. 

On XX/XX/24, Chase removed {$1000.00} from my account and I am now negative that money.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

I received a letter from the XXXX XXXX XXXX. which detailed my outstanding student loans and lured me in to call the phone number as I was planning to situate my loan repayments and the XXXX XXXX website is the most confusing site for people entering loan repayment. Anyways, on this phone call, the scam artists, have an elaborate script where they reveal along the way that they have ALL of my personal information. They stated my SSN, addresses, phone numbers, emergency contacts, loan details and more. All of this was in effort to get me to provide bank account information, which I unfortunately did, and finally they wanted me to sign a digital document which was sent to my email. Thankfully, I realized at this step that this was a fraudulent email, but up until that point there was almost no way to distinguish that I was on the phone with a criminal.
Consumer complaint received 2023-06-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kahn, Dees, Donovan & Kahn, LLP (IN)

Professional & Business Collections Address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX have taken me to court in Indiana, for XXXX XXXX on XX/XX/XXXX originally filed XX/XX/XXXX and dismissed several times by Indiana for a wage garnishment for an illegally obtained medical bill which is a violation of HIPAA rights. They have never reached out to me providing me any signed documentation that I owe them. When I went to the original court appearance they tried to get me to sign legal documentations listing incorrect dates with no explanation ; stating that I would pay them. I refused and asked to go before the judge. which seemed to annoy them. They are conducting illegal business practices that I would like to be looked into.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA (PA)

XXXX XXXX XXXX balance : {$16000.00} Date opened : XX/XX/XXXX I've seen that there is late reporting on this account from XX/XX/XXXX. This shouldn't be reporting late as I have never been late on all my accounts.
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. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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