davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. Collections West, Inc. (ID)

This company has a debt listed on my credit report, I do not know what this debt is for. I request debt validation request by certified mail on XX/XX/23, delivered on XX/XX/23. I received no response from the company. I disputed the debt on XX/XX/23 with XXXX, they validated the debt as accurate with XXXX on XX/XX/23. I sent a second request for validation on XX/XX/23, they received and signed the letter on XX/XX/23. I received a response from the company by letter on XX/XX/23, stating they already validate the debt and refuse to send validation again. I have never received anything from this company, I am alleging they do not have proof that this debt belongs that's why they can not validate the debt. They have violated the FDCPA numerous times, my next complaint will be a lawsuit is Idaho. They need to remove this debt from credit report.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope this message finds you well. I am writing to bring to your attention a concerning issue I have encountered after filing a complaint. Following my complaint submission, I am unable to access my credit reports using the same information I have used previously. Transunion the most but now XXXX. I also can not dispute name that is on my credit report with transunion that is not correct at all. These are not my names and never was spelled they way they have them spelled. 

Moreover, I suspect that the involved companies might be employing phishing tactics to obtain information to place on credit reports. 

I kindly request your prompt assistance in investigating and resolving this matter. I believe the issue poses a significant threat to the security, right to privacy of my information, and I am eager to ensure a swift resolution. 

Thank you for your attention to this matter, and I appreciate your ongoing efforts to protect consumers.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX, I called Best Buy Credit Card Services to dispute a XX/XX/XXXX purchase. 

I disputed the fact that I did not purchase a {$1900.00} XXXXXXXX XXXX nor did I have it delivered to an XXXX XXXX XXXX in XXXX. I also disputed that the Best Buy card used to purchase this product under my name is different from the Best Buy Credit Card in my possession. 

In XX/XX/XXXX, I called Citi Bank to file a claim of fraudulence regarding the Best Buy Credit Card purchase. Citi Bank confirmed the investigation was underway. 

I called again sometime in XXXX and was told the investigation is still occurring and could take up to 90 days. 

On XX/XX/XXXX, I received an updated letter informing me the investigation has completed and Best Buy removed the disputed charges. However, my Best Buy account is still sending me emails and calls to pay my bill, as the charges remain listed on my account.
Consumer complaint received 2023-11-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (MI)

I have talked to US Bank on XXXX different occasions to get a release of lien letter for a lease that was satisfied in XXXX. The tracking number for the issue is XXXX. This started in XXXX and I have still not been able to get the requested information from them.
Consumer complaint received 2023-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (OH)

I had lost my wallet in XXXX everything was in there my social my identification card medical card everything and XXXX or XXXX when banks just started to open outta nowhere and large amounts of money will be In the accounts then the accounts will go back to negative and I dont have no clue how they got there and its messing with me as a adult because I cant open a bank account please help me USA bank XXXX XXXX XXXX XXXX XXXX XXXX those are all the banks I seen that was opened up in my name
Consumer complaint received 2023-09-26
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. (NJ)

I disputed this with a XXXX because after the investigation, they said that it was verify through the courts and that the information was accurate, I contacted the courts, and then sent me a letter stating that they do not that they do not report to any credit credit agencies. Either way the reporting items do not comply with six 1115 USC 1681I
Consumer complaint received 2024-03-15
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2023-11-30
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: Experian Information Solutions Inc. (NY)

I send out an email to experian, XXXX & XXXX regarding my credit score is wrong in other words my score should be XXXX and not XXXX cause I made on time payments and i have a long history on time payments which helps me boost my score so I ask them in the email that why my score has drop from XXXX to XXXX all the sudden without a reasonable explanation and their answer was none
Consumer complaint received 2018-05-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This Problem is not with my checking or savings account. This problem is not addressed by the choices given on the previous check boxes. 

XX/XX/2018, I applied to Bank of America for a medallion Signature Guarantee. I supplied copies of the required documents, a stock certificate, a passport ID, and a stock transfer document to be stamped with the guarantee. 

The Transfer document was signed with a digital signature. The digital signature included a cursive signature as part of the digital signature. The Bank refused to guarantee the document solely because the signature was digital. The reasoning offered to me was that they could not verify the digital signature against a signature card on file or the Passport ID. They requested that I submit the signature without the digital indicator. I refused ; referring to 15 U.S. Code Chapter 96 - ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE as my source indicating that what I had submitted was legally binding. 
Bank of America contact info concerning this info is : XXXX. ph XXXX
Consumer complaint received 2023-11-30
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: JPMORGAN CHASE & CO. (FL)

Two fraudulent charges were quietly readded to my statement without justification. These are for services that I did not use and did not authorize. The card they were charged to has since been canceled because it was stolen. 

This is not the first time the company has quietly readded fraudulent charges to my statement long after the dispute was reported without any followup or proper documentation. The charges attached are simply fraudulent. 

Furthermore the company has been allowing charges to continue to be made to my old card that was stolen in XXXX XXXX. When I reported this instead of dealing with the issue, they canceled my current card XXXX which has not had any problems with theft or fraud reported yet. This left me stranded abroad without a way to pay for the basic services I need. This is not the first time this has happened either. 

The company basically refuses to properly process and handle disputes, fraudulent charges and other problems unless I file a CPFB complaint. 

To be clear, the card XXXX was stolen in early XX/XX/2023 and reported stolen in early XX/XX/2023. You can see on the attached invoice that chase allowed a new charge to this supposedly canceled card in late XX/XX/2023.
Consumer complaint received 2023-11-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (AE)

I initiated a transfer through WISE from my XXXX XXXX account on XX/XX/XXXX. I use this account to pay my bills as an XXXX XXXX member stationed overseas. The amount was for XXXX which converted to {$2200.00} and was withdrawn from my personal account on XX/XX/XXXX as shown in the statement. I kept checking the status and of course it hadnt completed in time for me to pay my bills. So I contacted WISE and received this generic reply that apparently others have experienced. I expect no movement from them on getting my money back unless they have a incentive to do so, which this complaint may provide.
Consumer complaint received 2023-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I sent a certified letter to LVNV requesting proof of debt validation due to my unfamiliarity with the reported account. Simultaneously, I contacted the credit bureaus, who subsequently sent me a report indicating that they had verified the information. Upon receiving this report, I sent another letter to the credit bureaus, seeking clarification on the process they used to verify the account information. However, I have not received any response from LVNV or the credit bureaus regarding the requested information. Given the strict regulations of the Fair Credit Reporting Act aimed at ensuring maximum possible accuracy in reported information, I find it perplexing that the same information is still being reported without evidence of a thorough investigation.
Consumer complaint received 2023-11-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (NC)

I wanted to change which bank account VW Credit billed for my car lease. According to their website, the way to do this is to cancel and reinstate auto payment. On XX/XX/XXXX, I cancelled my auto payment on their website. The website informed me that I would not be charged for my typical auto payment on XX/XX/XXXX and that I would need to make a one-time payment to meet that due date. As such, I immediately scheduled a one-time payment of {$820.00} to be charged from the new bank account on XX/XX/XXXX. 

On XX/XX/XXXX, I found that VW Credit had charged both of my banks for {$820.00}, each, resulting in a total of {$1600.00} being charged. I called VW Credit to demand that they refund one of the charges of {$820.00}. The representative, XXXX, told me that their refund process took 20 days and so I may as well let them keep the money. I insisted that XXXX initiate the refund process anyways. 

20 days is a ridiculous amount of time for VW Credit to hold on to money that they charged based on a false pretense, and particularly such a large sum. Their behavior leads one to believe that this isn't merely a mistake, but a deliberate, fraudulent scheme, with elements designed to discourage consumers from seeking redress.
Consumer complaint received 2023-09-26
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. (NE)

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED COMMUNITY BANK (VA)

Starting XX/XX/2023 my partner and I had started the process of accessing this account, which belongs to my father. ( He is unwell and moved to assisted living. ) We obtained a POA and have been using it since XXXX to get my father 's financial affairs in order. This bank has dragged its feet every step of the way and took months to even read the XXXX and accept it. On XX/XX/XXXX, almost three months later of back and forth, they have accepted the XXXX but say it only gives me the power to change his address and order checks. They will not let me get online access to the account, issue a debit card, or close the account. I can not even see what's in it or coming out. They want a notarized letter to do any of that. That is not how the POA works. My father 's other bank, XXXX XXXX, accepted the XXXX in a week and granted me full access which is what the XXXX does. Every other account, from banks, retirement accounts, pension, debt collectors, and utilities has accepted the POA except for this bank, United Community. 

Like I said, they have dragged this on since XXXX. It's hard to get them by email or phone and there are no branches near me. They are going against a notarized POA and what it lays out and says. They are telling me to get a notarized letter which doesn't make sense. In telling me that, they also said to make sure any recurring charges are handled, and when I asked how I'm supposed to do that without having access to the account, they ignored me. 

I have no idea what's happening to my father 's money in that account. Neither does he because he can't access it and keeps forgetting that he even has it. It has money in it and recurring charges. Are any of them fraud? Is it over drafting the account? Is it junk he doesn't need? I don't know because they're ignoring my POA.
Consumer complaint received 2023-07-13
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Receivable Management Services LLC (IL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-03-15
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. (MD)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 
Account Name : XXXX Date of inquiry : XX/XX/2023 Account Name : XXXX  Date of inquiry : XX/XX/2023 Account Name : XXXX XXXX XXXX  Date of inquiry : XX/XX/2023
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2016-09-22
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Richard J. Murphey, Attorney at Law (CA)

On Friday, XX/XX/2016 at my place of employment. A Law Firm which represented themselves as a XXXX XXXX XXXX came to my office and did the following. 

XXXX. A representative, showed up to my job and stated that they had a subpoena to serve me. 
XXXX. Became belligerent and threatened that they would put my business out if I did not show. 
XXXX. Used foul language to the staff and security guard when asked to leave. 
XXXX. Informed, staff, clients and security twice, shouting out in the lobby, the name of the company I owed and how much money I owed. 
XXXX. Left my personal information with my name, address, bank account information visible in a lobby for clients and co- workers to see. 
XXXX. Lied and stated he had a subpoena when in fact that he had a summons. 
XXXX. The summons had no court date and was filed illegally in XXXX XXXX which I do n't even live in. 

The process server, XXXX XXXX whom was sent by the debt collector was asked to leave the property or XXXX XXXX would be called. He stated " I do n't give a XXXX ' who you call. He was also informed by the receptionist that it was illegal to leave the documents out in the open and he stated, " I 'm not getting XXXX '' and left my personal information with my name, address, bank account information in the lobby. In addition, the subpoena that he stated he had was a summons that did not have a court date on it and was not filed in XXXX XXXX in which I lived. I was left embarrassed, my safety compromised and I am not sure who has my information. The long term effects of what he did will haunt and damage me forever. 

He had no right to threaten, use foul language, disclose my personal information or file a summons in XXXX XXXX in which I live. The summons is even questionable as there is no court hearing date listed on the summons. I am in the process of obtaining all witnesses involved as well as the video tape from the day of the incident.
Consumer complaint received 2023-11-13
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. (CO)

I have sent 5 certified leters with no response to removed inquiries not reognized or authorized and still has inquuries listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (FL)

On Friday, XX/XX/XXXX, I submitted a transfer request on my online account to transfer {$6000.00} to a bank account in my name that I had verified by confirming 2 small deposits. On Monday, XX/XX/XXXX, I attempt to sign in to verify the status of my transfer. My account was locked, and I was instructed to reset my password. When I attempted to reset my password, I was told to call. I called Ally, and after a 30 minute cal, I was asked to verify information about my account. I provided all of the requested information. As the call was ending, I was told that the account is under review for activity, and there is no additional information available. When I asked how long the review would be in place, I was told that I could not be provided this information. I was told to call them for updates, but they would only contact me if they needed more information. 

The {$6000.00} is a loan from my parents to pay my payroll on XXXX. Now, my account is locked and I have no guarantee that the funds will be released or when the investigation will end.