davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States 604 A Section 2.

It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason or purpose.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: M&T BANK CORPORATION (LA)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to ha completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, XXXX, XXXX INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PR COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and _explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. 1116 By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these aforementioned derogatory items be investigated and permanently removed from my report. I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. Sincerely, Your Full Name " Attach copy of ID and Utility bill ( bank statement if you don't have utility bill )
Consumer complaint received 2023-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I have business account with Wells Fargo for three years, on the XX/XX/2022 they wired out {$9800.00} without telling me or notice XX/XX/2022 they wired out again {$14000.00} without letting me know, I find out on the XX/XX/2022 and report to them, they denied it and tell me resolved my self. This is scam bank please let everyone know this bank is fraud, this bank not safe and scary please be aware
Consumer complaint received 2023-05-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BCA Financial Services, Inc. (NJ)

We went to a doctors office for XXXX XXXX XXXX XXXX XXXX XXXX The physicians office is in the same medical complex as a this small hospital, They suggested we go to the XXXX  XXXX  for the XXXX. This was a mistake we eventually returned to this clinic to get the XXXX  and the XXXX. In the meantime, we were admitted unknowingly in the XXXX XXXX. After the confusion was settled we returned to the clinic to receive treatment, unbeknownst to us that we were admitted ( on paper ) to the XXXX XXXX. These bills are not from the doctors office but the XXXX XXXX  which didn't service us! 
Secondlym we didn't sign a HIPPA release of our files to the collection agency of a hospital we didn't get admitted to!
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

In XX/XX/2023, I have paid off more $ XXXX in student loans and I currently have a balance of little over $ XXXX. However, the XXXX credit reporting agencies ( Experian, XXXX, and XXXX ) all do not show the current balance, but it shows the old and outdated balance of over $ XXXX. In addition, the credit reporting agencies show that the last time the loan servicer, XXXX, provided balance information was in XXXX or XX/XX/2023, which is almost 6 months ago. I am actively trying to apply to mortgage to purchase a home and my credit score is negatively impacted by XXXX 's failure to send the most current balances of my student loans to the credit bureaus. I have called and emailed XXXX about this matter, but they had not yet provided any response. I have opened disputes with XXXX out of the XXXX credit bureaus, Experian and XXXX. 

XXXX must send my current loan balances to the XXXX credit bureaus immediately. Until then, their inaction and failure of their duty to report balances to credit bureaus is harming my credit score and costing me real money in the form of getting higher interest rates that I do not deserve.
Consumer complaint received 2023-05-20
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)

on XX/XX/2023 I requested to opt out of XXXX Credit reporting which is completely in the legal boundaries and holds legal validity per XXXX XXXX XXXX. XXXX ignored my request completely and continued to report adverse actions on my consumer credit file although XXXX XXXX  made it very clear to me that I did not owe XXXX XXXX  anything by sending me a letter to my house ( attached ) stating they would not attempt to collect any debts from me. do to there negligence, my credit has had a tremendous negative affect which is taking a very bad toll on my life and has made it very difficult to take care of my family and my self acquired more credit for house hold purposes. I had very high expectation for XXXX XXXX  and now I am very disappointed in their unprofessional and illegal business practices. I hope this was just a mistake non-intentional.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TN)

LexisNexis is violating my consumer rights 15 USC 1681- I provided them with a signed court order vacating fraud bankruptcies filed using my personal information. LexisNexis has not deleted the bankruptcies from my file. Nor have they notified the credit reporting bureaus to have them removed the inaccurate information.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

On XX/XX/2023 XXXX, submitted a dispute with ChexSystems, asking them to investigate and remove these accounts from my report. ( See accounts Below ) XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, VA XXXX Phone Number : XXXX Amount : {$300.00} XXXX XXXX XXXX  ; XXXX XXXXXXXX XXXX XXXX XXXX,, XXXX XXXX, TX XXXX Phone Number : XXXX Amount : {$530.00} XXXX XXXX XXXX  ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number : XXXX Amount : {$570.00} ChexSystems has refused to investigate this matter pursuant to the FCRA LAW. ChexSystems has failed to investigate my dispute violating the law and refuses the remove these unauthorized accounts, and after citing federal law, chooses to ignore and violate these laws : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681b - Permissible purposes of consumer reports 18 U.S. Code 1028A ( c ) ( 8 ) Aggravated identity theft section 523 of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6823 ) ( relating to obtaining customer information by false pretenses.

Should you decide to discriminate against me you will be in violation of 15 U.S.C. 1691 ( a ) ( 3 ) of the Equal opportunity Act.
Consumer complaint received 2023-12-05
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: EQUIFAX, INC. (GA)

My husband and I called and spoke with several loan account specialists on XX/XX/21 before speaking with the collections department. We were not aware that our last payment for our auto loan was due before XXXX. This was because we had previously requested a deferment and those two payments were put on the back end. However, after speaking with a " XXXX '' in collections who was very rude, we scheduled a payment for XX/XX/XXXX and were told that this would not affect our credit. We provided the collections representative with all of the payment information to schedule the last payment for XX/XX/XXXX. However, today I received an alert that the account has been reported delinquent. We have been loyal customers and have always paid our loan. We are very disappointed and frustrated that XXXX would treat us this way after having paid off our entire loan with them after XX/XX/XXXX. At this point, we will NEVER do business with XXXX in the near future because if this is how they treat their customers, I would rather take my business elsewhere and to think that we were thinking about opening a checking/savings account with XXXX  has also left us thinking otherwise. I hope that this issue can be resolved and that XXXX will remove this derogatory inquiry from our credit reports. Also, nowhere in the deferment agreement does it state that the final payment will be a balloon payment. Therefore, we were unaware that we would have to make a final payment of more than {$800.00} in XXXX. Therefore, we only paid the amount that weve always paid on the loan, in which the loan payment was never late. It's not right that XXXX reported the last payment as past due to the credit report agencies. We did make the regular payment, we just weren't aware that we had to make a double payment for the last remaining payment on the loan.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, 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. (AZ)

Previous complaint # XXXX filed on XX/XX/2023 and closed on XX/XX/2023 as Experian claimed the problem was fixed and I would have full access to my credit file. I continue to get this response : Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. 

On XX/XX/2023 I received a telephone call from a representative at Experian who indicated I would have full access to my credit file. I still can't not access it. The previous complaint referenced above should not have been closed. 

The last time I had access to my credit file was on XX/XX/2023. 
I've attached the name and address page from my XX/XX/2023 credit report.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or 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.
Consumer complaint received 2024-03-29
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. (IL)

Subject : Demand for Removal of Inaccurate Inquiries To Whom It May Concern : I am writing to dispute and demand the immediate removal of several unauthorized inquiries that are inaccurately listed on my credit reports with the XXXX major credit reporting agencies ( XXXX, Experian, and XXXX ). 

The specific inaccurate inquiries that must be removed from my credit file are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX have XXXX XXXX credit reports thoroughly and did not authorize or initiate any applications that would have resulted in these listed inquiries. Including inaccurate inquiries violates the Fair Credit Reporting Act ( FCRA ) as it misleadingly makes it appear that I have applied for credit from these entities when I have not. 

The FCRA mandates that consumer reporting agencies follow proper procedures to ensure maximum possible accuracy of credit report information. Reporting unauthorized inquiries constitutes inaccurate information under the law. 

I am formally demanding that each of the XXXX XXXX credit bureaus immediately conduct a reasonable reinvestigation to verify whether I authorized the inquiries listed above. If your reinvestigation can not confirm that I applied for credit with these companies, then you are legally required to promptly and permanently delete these inaccurate inquiries from my credit file. 

If these unauthorized inquiries are not removed from my credit report within 30 days, I will have no choice but to pursue further legal action against your agency for willful non-compliance with the Fair Credit Reporting Act. 

I am entitled to a written notice once your reinvestigation is complete, confirming which items were modified or deleted from my file. Please provide this confirmation once the inaccurate inquiries have been permanently removed. 

Thank you for your cooperation in promptly correcting my credit report pursuant to your obligations under federal law.
Consumer complaint received 2023-10-30
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-12-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (TX)

The company involved is robinhood. I have been using robinhood for a while now, around XXXX we decided as a whole family to invest in cryptocurrency. Me being the XXXX son decided to use my robinhood account to invest. On the XXXX of XXXX I made an ACH transfer of $ XXXX from my XXXX  total checking account to my robinhood account. On the XXXX of XXXX I made another ACH transfer of $ XXXX from my XXXX  total checking account to my robinhood account. Then finally on the XXXX of XXXX I made another ACH transfer of $ XXXX from my XXXX  total checking to my robinhood account. The following week the ACH transfer I made was already available in my robinhood account. So I purchased $ XXXX worth of XXXX and was going to send out, immediately I got a message saying you cant send out crypto at the moment The next moment I saw a displayed card saying * account restricted*, saying I should verify my identity using my ID card and I should do a selfie verification, which I did immediately. 

Another display card popped up saying I should provide a recent pdf bank statement of the account linked to my Robinhood account. I contacted my bank and they said the statement for the month is not available yet, I had to wait for 2 weeks before the statement was out. 

During the wait period I was able to withdraw $ XXXX back into my XXXX  bank account, I tried to withdraw another $ XXXX the next day because there is a daily withdrawal limit of $ XXXX but Robinhood didnt allow me anymore. 

Finally the statement was out and I was able to provide them with a recent pdf bank statement, so they said they are reviewing my account, I was asked to wait 7- 10 business days. After waiting that long, I was sent an email saying Hi XXXX, We can no longer maintain your Robinhood account. We reserve the right to close accounts in our terms and conditions. 
All funds will be returned if eligible. We are working directly with your bank to return funds. Please reach out to your originating bank for questions. 
At this time, we have no further details available to share. 
We appreciate your understanding. 
Sincerely, Robinhood Support Case ID : XXXX This was all that happened, now they said the money will be back in my account and its not there yet. 


All I was trying to do was to invest and they did me this bad The email address on my robinhood account is XXXX XXXX
Consumer complaint received 2023-09-22
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are several accounts listed from XXXX XXXX that according to the IRS publication Topic # 431 should be listed as income. There are also violations of the FCRA 15 U.S code 1681 ( A ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate 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. These accounts are being updated on a monthly basis even though they became income in the month of XXXX XXXX The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

on XXXX XXXX i contacted my bank which is Chase bank better known as JP Morgan to process a wire transfer of 2000 to purchase a car from the company XXXX I asked for assistance on how to go about doing this however none was really given, i proceeded to process the wire transfer to the company of Tresl the account number given to me by the company was : XXXX routing number XXXX the wire transfer was received according to chase bank on XX/XX/XXXX the company XXXX informed me that the account listed does not accept wire transfers as it is an ACH account I have all emails received from the company XXXX i reached out to my bank to cancel the wire transfer or as chase called it recall the wire transfer which failed I am caught in the middle of all this I want my money back into my account and chase is refusing to do so, i find this wrong and i want my money back i have since sent a 1000 down payment for my car and the 2000 according to tresl was received i asked chase XX/XX/XXXX to provide information that the 2000 was not received via wire transfer so far they have not provided that proof i have reached out to XXXX and the same thing so i am convinced this is in fact some sort of fraud/scam and i want my money back.