davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  XXXX Date of inquiry XXXX XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

On or about XXXX XX/XX/2023 - I opened Wells Fargo Everyday Checking account with the promotion of {$300.00}. Promotion terms- get {$1000.00} direct deposit within 90 days and then I ill be getting {$300.00} within 30 days. Promotion code was applied properly.

I have followed with Wells Fargo at least 4 times regarding this. I was told that I need to check in future. 
I called in today at around XXXXXXXX XXXX XXXX XXXX. Talked to first level person and then supervisor XXXX. 
Now wells fargo is saying that this promotion is for brand new customer and I am not eligible. 
As one can see Wells fargo keep on changing their version to some how deny my well deserved promotion of {$300.00}
Consumer complaint received 2023-09-25
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. (TX)

When I investigated my credit report, I realized that some of the information was XXXX.TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$150000.00}
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

After pulling my credit report XX/XX/XXXX  Ive noticed discrepancies from each credit bureau regarding an account on my credit report this company XXXX XXXX XXXX  XXXX has report incorrect information to each credit bureau to keep my report at a negative
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

between XX/XX/2024 and XX/XX/2024 Seven account transfers of {$850.00} were made from my checking account to another account. The approximate total, equalling {$6000.00}, was transferred out to another account. 

I have no record of wire transfers in my account and my personal account is my sole account, it is not associated with any other accounts. Chase will not provide me with the account information that my money was transferred to and Chase has denied my claim of fraud, stating that these were " Authorized Transactions ''
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: Experian Information Solutions Inc. (NY)

I submitted a consumer dispute letter disputing the " Incompleteness '' and " Maximum Possible Accuracy '' of EXPERIAN and XXXX reporting of my consumer information. I discovered that their reporting of my consumer information violates section 15 U.S.C 1681S-2 " Rule of Construction '' and " Maximum Possible Accuracy '' because it does NOT comply with the " Rule of Construction ''. These violations has caused me damages. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX EXPERIAN DATE OPENED : XX/XX/XXXX XXXX  DATE OPENED : XX/XX/XXXX EXPERIAN XXXX LAST REPORTED : XX/XX/XXXX XXXX  DATE LAST REPORTED : XX/XX/XXXX EXPERIAN XXXX LAST ACTIVE : XX/XX/XXXX XXXX  DATE LAST ACTIVE : XX/XX/XXXX
Consumer complaint received 2024-01-29
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: EQUIFAX, INC. (CA)

I am a victim of trafficking and I submitted a self declaration which was notarized back in XXXX then I was told that was sufficient enough and last week my case worker supervisor gave her the letter to use and once again I am being told thats not sufficient enough my case worker signed it what more do you need. I want this documented because I want my daughter to be able to sue XXXX my address is on the internet so I need to move asap and I cant do that because they keep rejecting my documents
Consumer complaint received 2024-03-31
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. (GA)

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act 15 USC 1681 whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual. 

I sent a letter asking them to reinvestigate these accounts listed below because, XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

XXXX XXXX number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

Can you please review these accounts for any inaccuracies across the 3 bureaus i would like these accounts removed for false information immediately. 

According to15 U.S.C 1666B The timing of payments creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2023-09-25
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
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: SELECT PORTFOLIO SERVICING, INC. (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX, XXXX XXXX, SELECT PORTFOLIO SVCIN  XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I applied for a Balance Assist dated XX/XX/2023 Last payment due XX/XX/2023 and in the Loan Agreement under the Truth IN Lending Disclosures the Annual Percentage Rate of 7.48 % which on each loan I applied for at that Percentage rate I paid the balance off on time in full I recently applied for another Loan in XX/XX/2023 Last payment due XX/XX/2023 and in the Truth IN Lending Disclosures the Annual Percentage Rate of 5.99 % and due to the terms of this Agreement and under the Equal Housing Lender Act and Under the Equal Credit Opportunity Act I believe that I have been Discriminated Against due to the terms of the Loan Agreement also I have reason to believe that information has been inaccurate reported to Credit bureau as it states on my Credit report dated XX/XX/2023 under the Additional information and Inquiry Analysis
Consumer complaint received 2023-09-25
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-01-28
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

I am writing to file a formal complaint against PROCOLLECT , INC regarding their failure to provide a validated verification and essential information in response to my disputes. 

On XX/XX/2023, I submitted disputes to PROCOLLECT , INC in accordance with the Fair Debt Collection Practices Act ( FDCPA ) requesting a validated verification of the debt they are attempting to collect. Despite my efforts, the agency has only responded by sending a bill and a lease, which do not serve as proper validation of the debt. 

I sent another dispute XX/XX/XXXX XXXX requesting them to send proof they failed to do so by sending me the same letter as before. 

On XXXX I asked PROCOLLECT , INC to reinvestigate the insufficiency of the documentation they have provided. I gave them 15 days to respond. I have not received a response. 

In my subsequent communications, I specifically requested the following information : Original Creditor 's Name and Contact Information : I have yet to receive any details regarding the original creditor 's name and contact information. This information is crucial for me to verify the legitimacy of the debt and address any concerns directly with the original creditor. 

Verification of Legal Authority : I have requested verification that PROCOLLECT , INC has the legal authority to collect this debt on behalf of the original creditor. It is imperative that the agency provides evidence of its legal standing to pursue collection activities. 

Proof of Ownership : I have also requested proof of ownership of the debt, demonstrating that PROCOLLECT , INC has the right to collect on the alleged debt. This information is essential to ensure the validity of the debt and the legitimacy of the collection efforts. 

Despite my requests and the stipulated time frame for response, PROCOLLECT , INC has failed to provide the necessary documentation and information. As a result, I find myself in a difficult position where I am unable to adequately address or resolve the concerns related to the alleged debt. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter. I seek your assistance in ensuring that PROCOLLECT , INC complies with the FDCPA by providing the validated verification, the original creditor 's information, proof of legal authority, and proof of ownership within the prescribed time frame. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

I lost all my cash app tag name and email also my phone number in order to access my XXXX stimulus check money payment from the IRS to cash app debit card and not even my ID or social security number card helps to access my account there in cash app
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (MI)

I already have a report filed on here. That really lowered my credit score and me super behind. I am just trying to find any grant, program, or funding I can. I was a passenger in a XXXX XXXX XXXX XXXX  in 2019 and Ive been medically unable to work. I had a XXXX XXXX XXXX and all sorts of other medical conditions. I have not been able to catch up and Im drowning. I just had the XXXX hearing and the lawyer said it went good. But I have a XXXX XXXX XXXX and I dont know what to do. I also has identify theft recently and I just havent been able to catch back up. I have multiple cards that Ive just been trying to survive on. Its been over 4 years and Im just done with the hearing. I will add the others here. I had fraud with the SAME XXXX account ( XXXX XXXX ) not total identity or my credit but I called and reported it. Someone called me saying it was them and I didnt even say one word and they had my account balance, interest rate, when my payments were and zip code. They are sending a new card. The other one I have is XXXX or XXXX XXXX XXXX. Then a XXXXXXXX XXXX also XXXX XXXX
Consumer complaint received 2023-10-14
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. (NJ)

Today, XX/XX/XXXX, I checked my credit card account of Chase Bank online and found out XXXX unrecognized transactions on XX/XX/XXXX and XXXX. On XXXX, there were two transactions : the one by Amazon, which amount was {$89.00}, and another one was XXXX, amount was {$10.00}. The last one was by Amazon, {$100.00}, which was pending on XX/XX/XXXX. I have checked my order history of Amazon online, and checked I did not purchase such amounts. Regarding XXXX, I recently paid only cash ; therefore, it was impossible. After founding online at Chase website, I filed them, closed my credit card, and called the customer service. All available records, including Chase and Amazon, were printed out.
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} ; XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX Balance : - ; XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC (MD)

This complaint is concerning my auto loan with Flagship Credit Acceptance. I have had my current auto loan with them since XX/XX/2022. However, I need The Consumer Financial Protection Bureau to PLEASE HELP AND INVESTIGATE their predatory lending. At the time of getting the loan, Flagship failed to clearly and accurately disclose the terms and conditions pertaining to when a payment is late. Specifically, late fees are {$20.00} per day ; which adds up quickly to being unaffordable. Upon doing further research, I've discovered that every auto loan financed with Flagship have disproportionally high fees that accrue per day. Unfortunately, as a consumer, myself and many other Flagship customers have been tricked into believing that our loans are affordable. As a consumer, this lender deceptively convinced me to agree to unfair and abusive loan terms; making it difficult for me to be late with the {$20.00} per day late fee. I've made numerous calls to Flagship concerning the late fees, but each time, they purposely change the subject.
Consumer complaint received 2024-03-31
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THE ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX ), Creditor Address : XXXX XXXX XXXX, XXXX  XXXX, XXXX, MD XXXX, Creditor Phone # : ( XXXX ) XXXX. HAS 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, STATES : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-03-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (KY)

On XX/XX/2024, i loaded {$500.00} on to my card. 

I paid three bills, then about a half of an hour later went to use my card, and it would not work. 

I called their number and was given the runaround. At first, they said that there was a fraudulent load, and they closed my account, After speaking to the first representative i was told that they would refund the balance by check, but now they say that they returned that balance to the store that I had the money loaded to the card. Now tonight they say that my utility company double charged the card, which is impossible, so now I have more than {$160.00} floating around somewhere, and I don't know how to get this resolved. This is for card ending in XXXX ACCT. ending in XXXX
Consumer complaint received 2024-01-25
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: EQUIFAX, INC. (TN)

I usually dont check my credit but recently did a pre qualification to get approved for another house as I am going to court to sell my current house I share with my eldest daughter XXXX XXXX XXXX The loan officer noticed that there is a second mortgage on my credit that I am unaware of as I dont have a second mortgage. I contacted the XXXX today and the rep said she cant help me to contact the credit bureau which I have already done and they are telling me to contact the bank. I am legally represented by an attorney for the sale of my house and plan to get one to sue this bank if nothing is done about this matter.