davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WV)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (OK)

I purchased a Netspend Prepaid debit card and had been using it to get paid by my employers by direct deposit for multiple years with no problems until starting 2 months ago when I started getting spammed with emails from Netspend to upgrade my prepaid spending account to their new " All Access '' account and upon doing so, I would get my direct deposits 2 days earlier than with the standard Netspend Prepaid debit account and after a month and a half of being pressured and my pre-upgraded accounts direct deposits being delayed, I went ahead and upgraded my account to their new " All Access '' prepaid account. 

At that time, Netspend then changed my card number, routing and account numbers and deactivated my " Old account '' resulting in complete chaos with my work, paying bills, payments that were already authorized, everything started going downhill at that time and after a week of talking to probably over 20 different representatives, bounced direct deposits and bill pays I was assured everything was good to go.

One of the stipulations to upgrading my account to their " All Access '' account was that I had to have a direct deposit within 10 days of upgrading to obtain my " All Access Benifits '' and so I complied and had XXXX of my jobs direct deposit my last XXXX weeks paychecks totaling {$2500.00} into my new " All Access '' Netspend Prepaid account, this was on XX/XX/2023. 

Upon trying to pay my bills using the {$2500.00} that I was pressured into depositing, my account was locked, access to and usage of my prepaid balance are being denied to me unless i send a photo copy of my " state ID '' to someone over the phone in XXXX. 

I have verified EVERYTHING about my identity to Netspend including, my social security number which I really didn't feel comfortable doing, I have received mail from Netspend to my current address, addressed to me, i have activated their new account, confirmed my identity MANY TIMES and now i'm being told that there is NOTHING I can do, that they'll keep my money and keep my account locked unless I provide them with even MORE personal and very sensitive data. 

As you can see here, the FTC has already ruled that these practices are illegal : XXXX XXXX XXXX And as you can see here by the XXXX pages of XXXX  complaints in just Texas, they're still doing this to thousands of people : https : XXXX Netspend is a PREPAID card service that manipulates consumers into depositing funds onto the cards and then denies the consumers access to their funds and accusing consumers of fraud to justify it.
Consumer complaint received 2024-03-14
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. (FL)

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

For my accounts ending in XXXX and XXXX are closed and I no longer have access as these accounts ( just for XXXX, please do NOT touch the other accounts on my file ), is no longer associated with me and need to be removed entirely. I have attached proof of the XXXX  out account.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (LA)

Mohela is reporting the same account on my credit report twice so it's showing as two tradelines. This is making it appear that I have twice as much debt than I actually have. I contacted Mohela and spoke to XXXX who stated that it appears correct on their end and he only sees it being reported once. I asked what could be done to fix it and he said he wasn't very familiar with the process. I need this corrected because I am in the process of purchasing a home and this is negatively impacting me.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

First of all I been banking with chase for over XXXX XXXX  and never had an issue I lost my wallet in XXXX and charges were made to my account that were authorized. I later found my card at home but my wallet was still missing I sent documents giving my location and time during the time of the transactions and still my information was denied. I told them my card was probably duplicated or information got taken from me. Also through the whole process has been very stressful as iam unable to fully get any help.. Iam currently waiting for the status of a police report.the uploads are pictures of me at work the same day those transactions took place .. its impossible to be at two places at once I was at work at the time and they still refuse to believe me.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ME)

I am writing to file a formal complaint against XXXX XXXX XXXX  regarding their repeated inaccurate reporting of late or past-due payments on my accounts. Despite my continuous efforts to rectify this issue, the creditor has failed to update my account information accordingly. 

I have experienced this problem numerous times with XXXX XXXX XXXX, and despite disputing the information twice, the account verification has come back unchanged. This situation is not only frustrating but also damaging to my credit history. 

To provide you with specific details, I made payments to XXXX XXXX XXXX on XX/XX/XXXX, with the respective amounts of {$110.00} on the account ending in XXXX XXXXXXXX and {$96.00} on the account ending in XXXX XXXX. I have confirmation of these payments from my checking account, which ends in XXXX XXXXXXXX. Therefore, I can confidently assert that I am not late or delinquent on my payments. 

Despite the evidence of my timely payments, I was recently marked for XXXX as delinquent again by XXXX XXXX XXXX. It is clear that there is a recurring issue in accurately reflecting my payment history, and the bank has been unresponsive to my requests for updating the account accordingly. 

I kindly request the intervention of the Consumer Financial Protection Bureau to address this matter and ensure that XXXX XXXX XXXX  accurately reflects my payment history. I urge you to investigate this recurring problem and take appropriate actions to rectify the inaccurate reporting. 


Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to resolve this issue and ensure fair and accurate reporting by XXXX XXXX XXXX. I look forward to a swift resolution of this dispute.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (NC)

MCM has practiced multiple deceitful and illegal attempts to collect a debt that is not owed. They have called me numerous times while never sending out any written notification about the debt. They contact my employer trying to verify information on me or collect the debt. 
they have continued to reach out through phone despite being asked to reach out via email or mail. 
when they call they do not identify the company at all and ask you to verify personal data information like social security number and address or date of birth. 

it is clear they do not have accurate information of this supposed debt and continue to harras me in multiple ways.
Consumer complaint received 2023-10-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates (GA)

I am writing to dispute the presence of a collections account on my credit report. This is the second occurrence of such an error, and I seek your prompt assistance in rectifying this matter. The account in question pertains to LAW OFFICES MBA, and it was initially marked as delinquent due to a billing discrepancy. However, I would like to emphasize that the outstanding amount associated with this account was settled in full on XX/XX/2022 by the original creditor, XXXX XXXX XXXX XXXX XXXX. It was a self-pay visit in which I was given a discount by the hospital so the amount was no longer {$690.00} but {$380.00}. Subsequently, the collections status was resolved, and the account should have been updated accordingly.
Consumer complaint received 2024-03-14
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)

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 2023-09-01
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. (TX)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX I deposited {$5200.00} ( {$780.00} & {$4500.00} retirement checks ) in my account via ATM machine. However, I forgot to endorse the back of the checks. I had called the customer service line and was told there is nothing that they can do. The hold is on my account until XX/XX/XXXX. I have a house closing on XX/XX/XXXX so I made an appointment to come in the bank to see if they can release the hold sooner. I was told by XXXX XXXX the banker who called the " check '' department ) that the hold will be released on XX/XX/XXXX and the checks will be sent back as uncollected funds. XXXX suggested that I called the company issued the checks to request a stop payment and have them re-issued the checks ( since my closing is on XX/XX/XXXX ), I left the branch and within 5 minutes I called retirement 401k company to request stop payment. I was told that those two checks had cleared on XX/XX/XXXX meaning wells fargo had collected the money. I drove back in the branch and was told that they do not discuss with me and I have to make appointments and the earliest appointment is tuesday XX/XX/XXXX. They told me to call customer service line again because it is customer service issue now. I spoke to 3 different specialist including two executives and they said they can not do anything for me. The last one tried to act like she couldn't hear me and then disconnected the call. I need help in retrieving my money since the retirment company showed the checks had cleard but wells fargo stated that they do not have my money. PLEASE HELP.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (AL)

The collection agency by the name of National Credit System has reported a balance of {$3900.00} on my credit that is not valid. I have gone to the source which is XX/XX/XXXXXXXX on XXXX XX/XX/XXXX in regards to the issue and received a letter pertaining to the amount that is owed which is {$0.00}.
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I'm deeply troubled by this matter and it's impacting my sleep. I've consistently made payments on time, so I'm requesting an immediate update to my account due to the distress it's causing me.
Consumer complaint received 2024-03-14
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. (NC)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2023-07-10
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. (CA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-24
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)

The company, TRANS UNION LLC, has been notified that the account transaction furnished by XXXX XXXX is a result of identity theft. The company willfully failed to block and permanently delete the account transaction within 4 business days. In the meantime my access to credit is being hindered because of the fraudulent transaction. 

The company has also failed to provide me with any proof that I gave written consent for my nonpublic personal information to be used.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am not liable for this debt with XXXX XXXX for {$310.00}. I do not have a contract with XXXX XXXX, and was not provided the original contract as requested. My request to remove this illegitimate account from my credit report has already been honored with by another credit bureau XXXX as of XX/XX/. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Consumer complaint received 2023-10-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC (FL)

My name is XXXX XXXX and I have an account with West Lake Financial. On XX/XX/, I made a payment of XXXX with my debit card ending in XXXX to Westlake Financial. Westlake financial is stating that on XX/XX/, the money was returned to my bank as a chargeback. I keep calling my bank and they keep saying the payment is successful to Westlake and Westlake is saying that my bank has the money back. Westlake was even included on a 3 way call to the bank where the bank told them the money was not charged back. 

All transactions receive a unique ID number. I keep asking Westlake to provide this number for the chargeback and they keep saying they dont have one. My car was illegally repossessed, and the bank insist that Westlake was successfully paid. 

Someone has this money ; I have never experienced this and from my research Westlake has multiple lawsuits for illegal repos. I am trying to work this out without going that route, but I am not having any luck.
Consumer complaint received 2024-03-14
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Experian : Account name : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
15 U.S.C 1681 section 602A. Stated I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 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 USC 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. 
According to XXXX XXXX XXXX 1997, Experian is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNT.