davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (IL)

I have been trying to dispute a XXXX debt progressive insurance placed on my credit report for months. I Contacted the insurance company to try and obtain information and some kind of documentation showing me how this account was opened. I have had the same insurance agent with XXXX XXXX since XXXX. I have never owned a XXXX. The other name listed isn't me. I have submitted proof of my insurance throughout that time but they tell me the info is valid because they have my social and birthdate. They admit policy was set up completely online with no face to face meeting or signatures completed. They referred me to the creditor who basically says the same thing. Denies having any ability to provide reasonable proof of my ownership to this account and also has recieved my proof of other insurance as well as a police report made within the time frame of unauthorized opening of debit card accounts in my name. They refer me back to progressive and telling me I should just pay the money for this account that I'm begging them to understand is not mine and was opened fraudulently. Throughout the whole ordeal I'm filing multiple disputes that are being declined. Then they agreed removed the report my credit score increased however days later they again put the report on my account now using the current date of XX/XX/XXXX meaning I have to wait 2 more years for it to be removed from my credit file. Now it looks like the debt was from today and they have blocked me from being able to do any further disputes. Unfair.
Consumer complaint received 2020-04-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (GA)

I sent money by cash app. The person i sent it to has changed their number and is no longer talking to me. I have asked for a refund but they refuse to refund my money. I have explained everything to them but all i get is a general reponse saying they do not do reunds. They are holding {$260.00} dollars.
Consumer complaint received 2024-04-24
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. (FL)

I am writing to file a formal complaint against Equifax, a consumer reporting agency, for its failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to Equifax notifying them of the reinsertion of an XXXX XXXX account number XXXX and XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations Equifax 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protectionlaws.
Consumer complaint received 2024-04-24
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. (IL)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX XXXX XXXX and I am pleading with you to remove them immediately.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX I transferred {$30000.00} from my wells fargo account to my XXXX account ( See attachment Part XXXX ). On XX/XX/XXXX XXXX said that there was insufficient funds and the money would be returned, see Part XXXX  attachment. However there was plenty of funds in the Wells Fargo. Later it was determined there was a internal error on the deposit per XXXX which they informed me of on XX/XX/24 ( ticket # XXXX, see attachment Part XXXX ) ). On my sofi account it showed a + {$30000.00} on XX/XX/XXXX, see part XXXX attachment and then a - {$30000.00} on XX/XX/XXXX ( See part XXXX attachment ) indicating they sent money back to wells fargo. The money never showed back up on my wells fargo account. On XX/XX/XXXX, wells fargo deposited {$30000.00} into my account and said case was resolved ( see part XXXX attachment ). However all they did was take another {$30000.00} from my XXXX account and deposited into my wells fargo account via an unauthorized transaction ( Part XXXX attachment ). The original {$30000.00} is still missing and on my XXXX  account I have XXXX separate - {$30000.00} transaction debits from wells fargo ( Part XXXX and XXXX attachment ). 

To be as clear as possible, there is XXXX debits of {$30000.00} on my XXXX account, but only XXXX credit of {$30000.00} to my Wells Fargo account. I am concerned that the internal error ( Part XXXX ) at XXXX  caused this missing {$30000.00}. I am still missing {$30000.00}. The money that was debited on XX/XX/XXXX at XXXX for {$30000.00} never made it to Wells Fargo.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Contacted via telephone on XX/XX/ by a document delivery service regarding the need to serve me documents from XXXX XXXX XXXX in XXXX Texas regarding a civil lawsuit for an unpaid credit card bill from XXXX from Capital One Bank for {$6000.00} +. This is the first time i have ever heard of this situation or debt. I have never owned a credit card in my life besides a XXXX XXXX more then 25+ years ago that was closed out with no balance 25+ years ago. I have not worked in well over 15 years therefore have had no income until just maybe 3 years ago which is XXXX  XXXX. I was told the application had a copy of my drivers license and social security card in it. I have no idea how my information was stolen, who opened a card in my name, what income they used as i had none nor how i was just notified. I am XXXX, on a fixed income, own my home per an awarded judgment in a divorce and I am now being told that this XXXX XXXX XXXX wants to put a lean on my home. I have no money for an attorney, have no where to live besides my home and have never owned this credit card.
Consumer complaint received 2024-04-24
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. (CA)

I am writing to request the removal of fraudulent accounts from my credit report. I have discovered that my personal information was used without my consent to open the following accounts : Account name : XXXX XXXX, opened on XX/XX/2022, with a balance of {$9300.00} and XXXX XXXX, opened XX/XX/2022 with a balance of {$7300.00}. I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and a police report with my local law enforcement agency. For over 120 days, I have been consistently submitting disputes to your agency regarding these fraudulent accounts, yet the information remains on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a reasonable reinvestigation of the disputed information to verify its accuracy and promptly delete any inaccurate, incomplete, or unverifiable information from my credit report. Furthermore, under the FCRA, 15 U.S.C. 1681c-2, I am requesting that you block the fraudulent accounts listed above from appearing on my credit report. The FCRA requires credit bureaus to block the reporting of any information related to identity theft if the consumer provides appropriate documentation, including a copy of an Identity Theft Report. Under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability. Additionally, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report. Please note that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you must complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability. In addition, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report. I expect a prompt response to my request, and I will consider any unreasonable delays as a violation of the FCRA. To protect my rights, I have documented all communication related to this matter. I also request that you provide me with written confirmation of the removal of the fraudulent accounts from my credit report.
Consumer complaint received 2022-11-20
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. (NV)

BILLING DISCREPANCY BUT THEY CHARGED IT OFF WITHOUT NOTICE SO THIS ACCOUNT NEEDS TO BE REMOVED IF IT IS CHARGED OFF YOU CAN NOT STILL TRY TO COLLECT, PLEASE ISSUE XXXX AND REMOVE THIS INNACURATE DATA FROM MY REPORTS 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX XXXX XXXX XXXX XXXXXXXX, In ( Revolving ) Accounts - negative accounts - Summary XXXX XXXX Experian Last Updated XXXX/2022XXXX, 2022 XXXX/2022XXXX, 2022 XXXX/2022NXXXX, 2022 Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency XXXX days past due None Reported Charge Off/Other Derog Balance {$53.00} {$53.00} {$53.00} Credit Limit {$1000.00} {$1000.00} {$1000.00} Credit Utilization XXXX % XXXX % XXXX %
Consumer complaint received 2023-06-16
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)

This is absurd. These debt collectors ( XXXX XXXX  ) are using the default date as the date they bought the debt. The original default date of the account they bought was more than 7 years ago.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX 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 2024-04-24
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. (TN)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FORD MOTOR CREDIT CO. (CA)

I hope this letter finds you well. I am writing to bring to your attention an issue that has been causing me significant distress and adversely affecting my well-being. It pertains to the late payments recorded on my account. I have recently noticed that there have been inaccuracies in the reporting of my payment history. It is my understanding that timely payments are crucial for maintaining a positive credit profile, and any discrepancies can have serious consequences on one 's financial well-being. 
FMC-OMAHA SERVICE CT XXXX Upon reviewing my records, I have identified instances where payments were made promptly but were not reflected accurately in the account statements. This has led to a misunderstanding of my creditworthiness and has caused unnecessary stress and XXXX. I kindly request your prompt attention to this matter and urge you to investigate and correct the inaccuracies in the payment history on my account. I understand that errors can occur, and I believe this issue can be resolved amicably. I am confident that, once rectified, this situation will alleviate the distress I have been experiencing. Additionally, it will ensure that my credit report accurately reflects my responsible financial behavior. Thank you for your understanding and cooperation. I look forward to a swift resolution to this matter.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA (MD)

First Bankcard Cardmember Services XXXX XXXX. XXXX XXXX XXXX, NE XXXX Re : Complaint of Discrimination Accounting Ending XXXX Dear First Bankcard, Please allow this letter to serve as my complaint of discrimination against me. 

I applied for the bank credit card because the promotional flyers was sent to me to take advantage of the Amtrack points. The bank ran my credit, and the application was approved, and I got email to be expecting the card in the mail. 

But instead, I got a letter from the bank ( copy attached ) that the account was closed after second review and ELEMENT ASSOCIATED WITH FRAUD. This I dont understand what fraud we are talking about here, other than to assume that this was a discrimination. 

I could care less if the bank gave me credit, but you put a ding on my credit file, approved the card and only to cancel the card for reason I dont understand. 

Please explain to me the fraud that has occurred here. The only thing I can think of is my address. I have two properties and use both addresses. 

Home address : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I feel that I am being discriminated against based on my race until someone proves me otherwise. 

Since the card was canceled, and there is a credit ding on my file, Im requesting that the inquiry be removed immediately. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMK Investments Inc (IL)

Hi I noticed CMK on my credit report and notified them to resolve and I was informed they no longer handle my account. I have asked them to remove from my credit report and attempted to contact the company XXXX which informed they dont handle my account. Please see email attached. If they are not handling my account and I am not able to settle with, please remove from my credit report.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America charged an illegal right of offset for credit card payments that are past due. 

With this, they are breaking the law and regulation z, Federal law restricts the application of the right of offset, preventing federally chartered banks ( such as Bank of America, XXXX XXXX, etc. ) from using the right of offset to collect of delinquent revolving debts, such as credit cards.

They sent nothing in writing about this illegal transaction.

They took {$1000.00} and I now can not pay my mortgage.
Consumer complaint received 2024-04-24
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. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-11
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. (MI)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I updated my address information over the phone with a rep, back in XXXX. I then made an online purchase using my Kohls charge and Kohls cash. However, they still shipped the purchase to an old address. Its taken me 3 months to get this rectified, because every time I had to call and speak with someone to get the late fees and interest charges refunded, the reps never completed the tasks. In addition, I still dont have my Kohls cash reimbursed. This is horrible customer service, and as an XXXX XXXX XXXX woman, this is making me very feel like they are taking advantage of senior citizens. Aside from this runaround, I found out today that Kohls reported to the credit bureaus that my payment was late, which has affected my credit score. I never received the product, its taken me months to finally get the interest and late fees reversed, and Im having to call for every little thing one by one, because not a single person has done the job completely. When I called to let them know I hadnt received the package, they said I had to wait on the refund until the package was returned to them. So, I had to call back to make sure they got it, but they still charged me for it. Then I had to call back again for a refund. They took forever to do that, but still charged me for interest and late fees. I had to call back AGAIN for them to reverse it, and when they finally did, I still didnt get my Kohls cash reimbursed. So, I called back AGAIN and they said it would be reissued on the app. I dont see it. These people need new training on how to complete the job and not give customers the runaround. The worst part is, they had the nerve to report my payment late! So, no product received, getting the runaround, plus late payment reported and my Kohls cash isnt reimbursed. At this point I deserve a gift card for the hassle! Good grief!! I want the late payment report reversed and I want my Kohls cash reimbursed and also something for putting this XXXX XXXX XXXX woman through XXXX.