davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION (FL)

I received a text message from Suncoast FCU asking if I authorized two charges on my debit card. 
I selected no. 
Suncoast texted me again and stated the card has been blocked and I can dispute the charges. 
Suncoast did not automatically send me a new card and blocked my card without asking, even though it is still in my possession. 
They are now wanting me to wait two weeks for a new card or pay {$25.00} for an expedited card when there were unauthorized charges, and I did not ask for it to be blocked. 
Suncoast additionally stated in a general inbox message " any charge that is pending is considered authorized. '' So I am locked out of my account for two weeks, lost time due to Suncoast not automatically sending a new card knowing I needed one and am out the funds that were not authorized to be charged to my card because Suncoast considers " all pending charges are authorized. '' Suncoast is holding my money hostage and is asking for payment due to unauthorized fraud or I will not be given access to my account while allowing random merchants to steal funds out of my account and not disputing it on my behalf.
Consumer complaint received 2024-01-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BROKER SOLUTIONS, INC. (IL)

I wrote a letter to my mortgage company in regards to my Home needing updates and replacements. I found paperwork in our contract where it states that under the contract that the updates and replacement are covered under the contract and that them as the lender are responsible. They say that they are not responsible for those updates and replacements and that the contract is referring to the deed but it clearly states ( property ). As I was looking over my paper work I found out that the mortgage company I have been paying never funded the loan and that the money was my own.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (AL)

Five years after the account was charged off which was XX/XX/XXXX Wells Fargo started reporting a charge off and will leave it on till XXXX that's unfair. She just suddenly hit me with negative credit information I have to live off of my credit. They should've done that five years ago and that's not my fault. Please help me.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: JPMORGAN CHASE & CO. (MI)

I receive Chase Credit XXXX alerts from XXXX to XXXX. 

I dont have a chase account and want chase to stop emailing me. Ive tried to opt out but it wants me to sign in. I havent had a chase account in a while
Consumer complaint received 2024-05-16
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: CITIBANK, N.A. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

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 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP (CA)

On XXXX I opened a merchant dispute with my bank due merchandize not received. The bank never requested any information from me to conduct the investigation and chargeback request to XXXX network. 
In 10 days the bank denied the claim without supporting any evidence that the purchase was sent or delivered. 
Attached goes the Invoice and order receipt that shows that the merchant must sent the items to my home. 
I sent the attached documents to the bank but it looks like nobody took care about.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (OH)

Made an deposit into my account and every since my funds cleared after 5 business days Ive been having the hardest time to retrieve my funds from CITIBANK, constantly blocking my card everyday for no reason after my literally verifying every single transaction, so I went to branch to withdraw my funds out of my CITIGOLD account and the teller who was helping me seem like she was having a very BAD day since she was the only teller working out of 4/5 tellers, she decided to make my year bad already by writing unnecessary comments & notes on my account! When all I asked was to withdraw my funds. Please have Citibank unblock my CITIGOLD checking & saving account so I can take my funds out and put them elsewhere! 
XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit report with your bureau. Upon reviewing my credit report, I have noticed that there are late payments marked on my account, and I am writing to request their immediate removal. 
I understand the importance of maintaining a positive credit history, and I take full responsibility for any oversights that may have led to these late payments. However, I kindly request your understanding and consideration in removing these late payment entries from my credit report. 
WELLS FARGO DEALER SVC XXXX and I believe that my overall credit history demonstrates responsible financial behaviour and I am committed to maintaining a positive credit profile. The presence of these late payments is impacting my credit score adversely, and I am eager to rectify this situation promptly.

Please find attached supporting documents that provide additional context and clarification regarding the circumstances surrounding the late payments. I assure you that I am committed to ensuring timely payments moving forward. 
I kindly request that you conduct a thorough review of my credit report and take the necessary steps to remove the late payments at your earliest convenience. I understand that the accuracy of credit reports is crucial, and I trust that you will handle this matter with the utmost diligence.
Consumer complaint received 2024-01-18
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: JPMORGAN CHASE & CO. (MD)

I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have provided. 

JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this unconfirmed inquiry lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE U.S.C. {$1600.00} ET SEQ. Section 604 of Fair Credit Reporting Act.

Once you have furfilled my request mail me an updated credit report reflecting these changes. I do not recognize any of these inquiries, please remove.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have never signed any agreement or contracts with any of these companies. I have requested for proper verification of these alleged identity theft accounts. They have failed at providing any evidence. I am requesting that these account be removed as they are fraudulent. 
15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of the law because I am an alleged victim of Identity theft! Please delete these items IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (PA)

This debt was closed and settled with XXXX  XXXX it was taken off my credit only to be put back on after being sold to another company. Under 15 USC 1681 I never gave consent to furnish or obtain my personal information.. they sent my personal information to another company which is not ok.. Im currently seeking legal action
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (NC)

I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act.

Hard inquiries may impact your credit score. 
XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, NC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, NC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, NC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please remove these inquiries from my credit report immediately. 
If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : Name and title of the person who pulled my credit. 
The date they purport that I gave permission. 
Methods they purport that I gave permission. Please include documentation of said permission. 
Thank you, XXXX XXXX
Consumer complaint received 2024-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (PA)

American Express is claiming I owe a debt of XXXX on account ending in XXXX, all of XXXX and to XX/XX/XXXX I was falsely XXXX  on a case I later won. When I came home I had received mail claiming that I owed this debt and it was opened in XXXX, I filed a police report DC # XXXX for Identity theft and filed a complaint with the FTC I submitted all documents to American Express stating I did not authorize this account or have knowledge of this debt. I am now being contacting by a attorney from American Express who is trying to file a complaint in courts unless I come up with a settlement on this debt that I do not owe.I also filed a complaint on XX/XX/XXXX with the XXXX  in regards to this debt and this attorney from American Express XXXX XXXX XXXX, in which they are not XXXX  accredited. American Express also contacted me stating that on XX/XX/XXXX the account was transferred to XXXX XXXX XXXX  for collections. This collection company has also harassed me about this debt. So I'm being contacted by three different agencies in regards to this alleged debt. In the past 4 years this is the second time someone opened accounts in my name without my knowledge. I notified the credit bureaus and placed a fraud alert on my file as well as a security freeze I did not opened this account or authorize anyone to do so on my behalf
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

I purchased electronics at the Best Buy store in XXXX, TX on XX/XX/XXXX. The salesperson persuaded me to take advantage of their interest-free financing offer through the Best Buy store credit card, which is issued in partnership with Citi Cards XXXX Due to their persistent encouragement, I opted for this financing option. Since then, I have consistently made all my monthly payments on time. 

However, in XX/XX/XXXX, Best Buy charged me an exorbitant interest amount of {$3800.00} for the year XXXX. Additionally, they charged another {$670.00} in interest for the period from XXXX to XX/XX/XXXX. The total interest charged so far amounts to {$4500.00}, which is more than the remaining balance on my credit card. 

Typically, financial institutions should apply monthly interest on the remaining balance starting from the end date of the promotional offer. In my case, the promotional offer was supposed to end in XX/XX/XXXX. However, it appears that the financial institution has retroactively applied interest from the beginning, despite my regular monthly payments. This practice seems unfair and exploitative. 

I seek your assistance in addressing this issue and reducing these excessive interest charges.
Consumer complaint received 2023-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Corp Solutions Inc. (IL)

I filed disputes with all XXXX credit bureaus on XX/XX/XXXX & XX/XX/XXXX XXXX to validate my debt & signature from both the collection & originating agency, as well as filed a complaint with the XXXX. It has been over the 30 day response time still with no answer. Pls have them delete all unfavorable/derogatory remarks & credit information from my file due to no validation, no agreement with collection agencies, wrong information, & suspicious fraud/criminal activity that compromises my identity which is theft of my personal information has been leaked on the dark web. ( ( Pls. Note all agencies on pics provided have been disputed to all XXXX agencies with no response well after the 30 day time frame. ) ) Thank you.
Consumer complaint received 2023-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXX under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX  XXXX  XXXX, XXXX  XXXX XXXX and XXXX  XXXX XXXX
Consumer complaint received 2023-08-28
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)

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NC)

Today XX/XX/2024 I have been contacted by people identifiying as Chase Bank, phone XXXX XXXXXXXX they called at XXXX XXXX XXXX and XXXX XXXX XXXX. They hang up when we answer XXXX XXXX XXXX XXXX, which we own. I call them back and they ask for a XXXX XXXX... we tell them that we have no one here by that name, and they have reached a travel agency, along with if they can prove a dept for XXXX or XXXX XXXX, or the company then we will discuss it with them, but since we do not, nor ever had an account with Chase Bank, not to call us unless they prove a debt, or wish to purchase travel. Both times they said that they would not call us back, and then call again. I have no idea who the person is they are looking for, but need to stop harrassing us and tying up our phone line.