davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
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: CLGF Holdco 1, LLC (OH)

I was alerted by Credit wise that this company did a credit check on me. I didn't apply for any credit with them. I have no idea what this is or where it came from. 

CB INDIGO Bank XX/XX/2024 Inquiry Details Inquiry Date XX/XX/2024 Inquiry Type Individual XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX
Consumer complaint received 2022-09-21
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX  these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX has all violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This is my third time filling this complaint regarding this account that has been appearing as a negative account due to a Late Payment even though I was never late. This is the account appearing XXXX XXXX XXXX Take action and update the payment history.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America XXXX  I had money in my account for XXXX on XX/XX/2023 the next day XX/XX/2023 it was gone, someone had commited fraud on my account called them on XX/XX/2023 had my card closed they told them they won't give me a new one to replace it because they said that the address was a XXXX XXXX address I don't live in XXXX XXXX, I live in XXXX. They told me to call XXXX to change the address I did and the information on my edd account is my actual address which is XXXX, Ca. So someone took {$930.00} of my XXXX money and Bank of America has done nothing to stop it.
Consumer complaint received 2024-05-12
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Consumer Legal Group, P.C. (FL)

XXXX XXXX XXXX XXXX misrepresented their services. 
claimed they would negotiate with my debtors and the payments i sent them every month would go toward my bills, instead i found that nothing was done and the payments went towards " legal ", which means to me they charged for doing nothing and basically just ripped me off
Consumer complaint received 2023-07-07
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. (CA)

The credit bureaus keep disobeying the laws. I have showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can keep go onif you need me to all I'm trying to do is provide a better life for my family. 

The credit bureaus have no respect for the laws.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2023, XXXX was taken out of my checking account without any notice or my permission. The transaction went without my knowledge and the bank approved such a large transaction. This transaction is not a bill that I owe. They claim it is a collection from an another bank. But I do not have a collection with them. I called the other bank about the XXXX transaction and they said it was not their doing. This Is Bank of America, which I am having a problem with.
Consumer complaint received 2023-11-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

Twice now, CBE group has attempted to collect on a debt that is not mine, for XXXX XXXX. 

I have already proven that I did not have a XXXX account before XX/XX/2023 ; I used a fiber service for around 4 years prior and before then, I lived in a building that was pre-wired and included Internet service. Before then, I lived in a different state with a completely different cable service. 

Keep in mind that I can prove this beyond the shadow of a reasonable doubt, using receipts from my fiber service and my lease from my previous apartment, with Internet services included. This is not a fight that can be won by CBE. 

Not only is the account fake, CBE mailed me a document with a fake account number that does not pull up any account belonging to me upon calling XXXX this morning. 

This is not some honest mistake, this is intentional fraud and attempted theft on the part of CBE and I intend to sue them in small claims court for maliciously damaging my credit score.
Consumer complaint received 2023-09-06
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. (MD)

On XX/XX/XXXX I recieved a alert from experian. It read XXXX XXXX XXXX account opening reported. On XX/XX/XXXX XXXX XXXX XXXX reported a bank account opened with your SSN. 
XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX. 
phone XXXX The agent I spoke with on XX/XX/XXXX around XXXX told me he could not give me any information because I did not have a account with XXXX XXXX XXXX I explained to him someone was fraudulently attempting to open up a account in my name per my Experian alerts. I then asked to speak with a manager, and he responded the same way. I asked could he transfer me to the department to help dispute it off my credit report, and he said yes but transferred me back to the automatic voice tool.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

An item was needed to be purchased from XXXX so credit card was used, because money could not be sent by mail. I used my XXXX card to secure the purchase. However the card was paid in full before any due date in fact as soon as the statement came in it was paid in full. I used the banks money because it was safer to do so.
Consumer complaint received 2023-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to each company asking for validation of myself giving authorization to run my credit. I have also sent letter to each credit reporting bureau asking for validation. I have called the credit reporting bureaus asking for validation and also asking that the information either be validated or removed my my credit reports. 

Transunion XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-31
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Bridgecrest Acceptance Corporation (GA)

I am asking this company to provide proof they were not loaning out other peoples money and I am also requesting proof that they provided equal consideration in this contract. I am well aware that this consumer transaction was funded by my signature and my social security number which represents my unlimited source of credit that cant be denied. I am also requesting this company recognizes my right of subrogation in this matter and that they understand my rights to equity as I am the beneficial title holder of XXXX XXXX, which is its own corporation. The car is already paid when I signed the agreement. Recognizing my rights to equity in this matter should lead to a discharge of the debt, they continue to not address this part of my complaint and it is extremely frustrating. I know that federal reserve notes is a negotiable instrument, a promise to pay and 1099a or c is another negotiable instrument that is equivalent to federal reserve notes ( cash ) I ask to speak to someone in legal department who has a better understanding but they continue to send me to XXXX who says she doesnt have any understanding, nor does she work in the legal department. I am requesting to speak with an underwriter and to see the factors of why they can not discharge this debt. Bridgecrest did not provide me with any money in this contract because since XXXX and the federal reserve banking act there has been no money and we can not pay debt but only discharge it. This is my 3rd complaint because they continue to not address the issue. I will take my complaint to XXXX and the FDIC if this venue is not enough to settle these charges. XXXX XXXX is a corporation and I, XXXX XXXX XXXX XXXX, am surety, I need them to recognize my right to Life liberty and the pursuit of happiness as the reason I want my debt discharged. I am going to FDIC, the Federal Deposit Insurance Corporation if this venue can not help settle the charges.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NC)

Chase.com demands accepting two new customer service legal agreements when logging in. One of them is in excess of 100 pages long, and viewing it times out, which makes reading it impossible. 

In essence, Chase locks customers out of their accounts unless they blindly accept a legal agreement with unknown consequences. 

Please compel Chase to send all customers a detailed email pointing out all changes to the customer agreement.
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IL)

I was given a reward promotion on the account they never honored for direct deposit for {$600.00}. I had to walk in to the branch to open that account that they initially gave me this flyer. I recently contacted them because it should been honored back in XX/XX/2023 it never was. I get a call it was not honored because they claimed there was a another account opened when there never was. I opened the very first accounts as a walk in when I was given the flyer then. They created this expectation now they do not want to honor it. And they are fabricating something that never existed that they can see never existed as well. I had to return to the branch two XXXX in a row just to open the account i have now that eventually got opened.
Consumer complaint received 2023-05-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Modoc Tribe Financial Services Authority (CA)

I had revoked my ACH authorization with this lender as I have enrolled the account in a debt management program. They had already ceased making ACH withdrawals from my checking account for two billing periods, however they made a new ACH withdrawal today without my authorization. 

I called and spoke with a representative who offered to revoke the ACH authorization, however I explained to her that had already been done and the company reinstated it without my authorization. She was unable to get a supervisor on the phone to help escalate but told me I should expect to receive a call back later today. 

I'm not optimistic about receiving this call but I'm more concerned with this company 's tactic of reinstating ACH payments without my authorization, and am not convinced they won't do so again in the future so I'd like to know what options of recourse I might have in this situation.
Consumer complaint received 2023-09-06
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. (CA)

I have reach out via mail, and phone to all three of the credit reporting companies XXXX, XXXX, Experian, the creditors, and collection agencies companies many times to advise that my identity has been stolen and the accounts reporting on my credit report does not belong to me I didn't benefit nor authorized anyone to use my personal information to obtain any account in my name nor under my social security number. I request that the information on my credit profile be removed and updated correctly. I also requested my wet signature on all documentation that was collected with my authorization to obtain access to my credit profile and add inaccurate information. They have all failed to remove and update my credit report correctly even after being informed of the fair credit act. Please see attached documents.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute several inaccuracies that I have discovered on my credit report, specifically in relation to the information provided by your bureau. I have attached documentation highlighting the errors and discrepancies that I have identified. 

Firstly, I would like to address the issue of the incorrect date of the account 's opening that is being reported across all three credit bureaus. 

Furthermore, I would like to draw your attention to the discrepancies regarding late payment information. As indicated in the attached documentation, there are variations in the reported months for the late payments on the account. This inconsistency not only misrepresents my payment history but also violates the Fair Credit Reporting Act, which mandates accurate and complete reporting of consumer information.According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit bureaus to ensure the accuracy and integrity of the information they report about consumers. Inaccurate information, such as the aforementioned errors, can have severe repercussions on my ability to access credit on fair terms and can potentially damage my financial reputation.
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

I was a victim of identity theft and have filed reports with the FBI and local law enforcement. I was informed by both to contact all companies with fraudulent accounts and have them closed. All the companies have helped me to close my fraudulently opened accounts except Coinbase. I did not open the account and did not authorize any of the transactions on the account. I would like the account closed and confirmation from Coinbase that the fraudulent account was closed.
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: Experian Information Solutions Inc. (WA)

One in XXXX of XXXX  found an account that was paid and closed however the account is still active on my report now even though in XXXX I had it reinvestagated and it clearly says paid and closed
Consumer complaint received 2023-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST NATIONAL BANK OF OMAHA (NE)

I received a letter from a law firm, that was is acting on behalf of a debt collector that is acting on behalf of my bank. The letter is an attempt to collect a debt. 

This is the XXXXIRST time I have received a communication in the attempt to collect a debt from my bank. It appears to be weird as my 1 ) bank did not attempt to collect a debt, 2 ) the Collections Company has not sent any communications and 3 ) the law firm letter was the first time I have seen this. Additionally, this is not showing on my credit report so I wonder if this is legitimate, especially if it is from the Bank. I have my Mortgage with them, a line of credit with them, both in good standing. I have a closed credit card with them that was closed ( paid in full ) in XXXX  and it states as such on the credit report. 

The Bank has not information to give me as I do not have an account number to give them.

I tried to log in to the Law Firm that is trying to collect the debt and I had to attest to all : - My account is not in dispute.

- I am not a petitioner in any pending bankruptcy petition.

- This account has not been discharged in a bankruptcy.

- I have read the Privacy Statement and wish to continue with making a payment. My account is not in dispute.

Because I am desputing the account through this CFPB, I assume I can not check this. I have to check all the boxes to access the account with the Law Firm. Seems unfair that I can not see what the account they have set up on my behalf in their site.

I am going to respond to the letter with " this is my debt '' and " I want you to send me the name and address of the original creditor ''. and send the letter back.

Being sent to 1 ) collections and 2 ) legal without prior notice doesn't seem right. Having no indications via the credit report that this is an attempt to collect a debt is also not right.
Consumer complaint received 2024-05-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC (AZ)

I am writing to file a formal complaint against Opploans for its failure to comply with my requests for the original contract of my debt, in direct violation of applicable U.S. laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), specifically section 1666. This complaint is also in regard to Opploans ' continuous reporting of inaccurate and inconsistent information to the credit bureaus, which is adversely affecting my credit score and financial standing.

**Details of the Complaint : ** 1. **Failure to Provide Original Debt Contract : ** Despite multiple requests, Opploans has categorically refused to send me the original contract or any evidence of debt that I purportedly owe. This refusal not only undermines my rights as a consumer but also spotlights a significant transparency and accountability issue within Opploans ' debt collection practices.

2. **Violation of US Law 1666 FCRA : ** Opploans has blatantly disregarded the mandates set forth by the Fair Credit Reporting Act, section 1666, which safeguards consumers against unfair billing practices and mandates proper credit reporting. Their failure to adhere to these legal requirements is unacceptable and unjust.

3. **Inaccurate Reporting to Credit Bureaus : ** The creditor has continually reported incorrect and inconsistent information related to my account to the credit reporting agencies. This has caused undue harm to my credit reputation and has potentially extensive repercussions on my financial well-being.
Consumer complaint received 2024-05-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

They had put a collection on my account starting in XXXX saying I owed living at XXXX money when in fact, I never owe them money and Covid rent Relief had paid them off. The last time I was at this complex was in XXXX and now were in XXXX, and this fake debt collection agency are committing fraud and putting false collections on my credit report