davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (CT)

On Tuesday XX/XX/XXXX at approximately XXXX XXXX  I tried to deposit XXXX USD at my local TD bank in XXXX, CT via ATM deposit. When I put the money in the ATM, the machine calculated it as XXXX. So I opted to cancel the deposit and return items. The ATM only returned XXXX USD ( XXXX XXXX dollar bills ). I immediately called TD bank and filed a dispute. Claim number is XXXX. They also recommended I talk to the local bank manager about getting a credit. 
I went to that same TD bank in XXXX to speak with someone the next day on XX/XX/XXXX, approximately XXXX XXXX. I spoke with someone named XXXX. She said she can see the dispute and will speak with her manager about giving me credit for XXXX  days until the bank gives me credit while the investigation is underway, investigations take XXXX days they said. At XXXX XXXX she calls and says they approved the credit. 
Today, Sunday XX/XX/XXXX, I open my account and see a withdrawal of XXXX. I call the bank customer service and the man says they denied the dispute on the XXXX. In XXXX days only and reversed the credit. He could not give me more details when i asked as he said he can't read some of the handwriting on the claim form. After some talking he filed a new dispute : XXXX In short : the TD bank ATM did not return all my money I was trying to deposit. The bank is denying any errors or fault in the ATM. If the cameras were checked, one would clearly see a discrepancy in the amount I had in my hand before and after trying to withdraw.
Consumer complaint received 2023-07-18
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX Balance Owed : {$28000.00}.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MD)

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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-07-18
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. (TX)

During this disputing process, reporting agencies has failed to comply with 15 USC 1681a and 15 USC 1681b by not maintaining the proper response times and actions to all disputes. 
After their proposed verification of these fraudulent accounts that has been disputed as not mine came back as verified. We demanded a validation under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) where under federal law, all accounts had to be provided with PHYSICAL proof of the original consumer contract with my wet signature on it. That has not yet been provided following our letter on XX/XX/2023. 
I want to be clear I am not claiming these accounts as my own because they are not. I am not requesting to update these fraudulent accounts. Since they are pinning these fraudulent accounts as mine, they are required to VALIDATE these accounts outlined in 15 USC 1692g Sec 809 ( b ) of the Fair Debt Collection Practices Act. Currently, the bureaus are reporting items that I have not given written consent to report. In fact, the items highlighted violate my rights under 15 USC 1666, 15 USC 1681 B, and 15 USC 1681 a-2. In fact, your comment claims you have shared my information and charged it off to a collection agency without my written consent.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I submitted all the required information and proper legal identification regarding my personal name and my current and existing address to XXXX and XXXX as well as Equifax, and all 3 bureaus refuse to update my personal information, since certain collections are either linked to aliases or phony addresses. 

All the bureaus refuse to acknowledge my request disregarding the proof submitted and none have the same reporting information or credit score to match with one another.
Consumer complaint received 2023-07-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

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 2023-01-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (OH)

XXXX attempts to open a checking account were made on XX/XX/XXXX with US Bank XXXX XXXX ND. I found out about this when the bank sent a letter an attempt to open an account had been made but could not be completed as they were unable to verify my identity. I called US Bank to report this was a fraudulent attempt to open an account and they have noted that. They told me of XXXX other attempts to open an account during the call, and both of those were also stopped. I am suspicious that my identity was stolen when traveling through XXXX when I checked in to the XXXX XXXX in XXXX on XX/XX/XXXX.
Consumer complaint received 2023-07-18
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$5800.00}.
Consumer complaint received 2023-07-18
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. (NJ)

This is my NUMEROUS 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. I've submitted the identity theft report and Police Report as additional documents for this fraudulent item. Please remove the account : XXXX XXXX
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

Dear Credit Bureau : I obtained my credit report from you and there were U. S. Bankruptcy Court items listed. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''.

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and the U. S. Bankruptcy Courts confirmed that XXXX, XXXX and XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

You need to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).

Please provide me with copies of all documentation associated with these Public Records bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Consumer complaint received 2024-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (AL)

I received two emails from Chime last night that an account was opened in my name. Ive never even heard of Chime. I called them this morning and they state they have no record of this. A quick XXXX search reveals this is a prevalent and known problem and likely ID theft.
Consumer complaint received 2023-10-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RGS Financial, Inc. (TX)

XXXX XXXX SAID I OWED {$630.00} FOR A DENTAL BILL, BUT I FOUND AN ACTUAL BILL THAT SHOWS AN INSURANCE AMOUNT OF {$630.00} DUE FOR PAYMENT BY THE INSURANCE COMPANY. 
XXXX XXXX INFLATED THE AMOUNT OF {$630.00} TO {$770.00}.
Consumer complaint received 2022-11-29
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. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2023-08-10
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. (AR)

XXXX submitting a complaint in response to the recent investigation. I do not agree with your findings, and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors or agencies that are reporting this information on my report, and because of this, I am now asking you for more information regarding these particular items in question : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX {$1500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-15
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (DC)

requested a credit balance from XXXX XXXX XXXX XXXX XXXX of XXXX. I was told a check would be issued via USPS mail within 15 business days. I requested to have the check sent either by XXXX  or XXXX and was told USPS was the only option. After not receiving the check within the 15 business day, I informed XXXX XXXX that I didn't receive the check and requested the check be reissued. Instead of re-issuing the check, I received a letter with a copy of the check that was cashed. I immediately called XXXX XXXX and made them aware it was not my signature on the back of the check and has no knowledge of the check cashing place where the check had been cashed. I'm attaching a copy of the police report filed, a copy of the check that was cashed and a copy of my driver 's license. In reviewing the back of the check, it was cashed at XXXX  Check Cashing Place.
Consumer complaint received 2023-07-18
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. (WA)

Re : Regarding Report Number XXXX To Whom It May Concern : I am writing to dispute information in my consumer report furnished by XXXX XXXX XXXX on violations of the Fair Credit Reporting Act ( FCRA ) and Washington state law RCW 9.35.020.

FCRA Section 1681a ( d ) ( 2 ) ( A ) ( i ) excludes certain account information from consumer reports. However, I have identified that my consumer report compiled and furnished by Experian contains information reported by XXXX XXXX regarding accounts and transactions solely between XXXX XXXX and myself, including details of account history, payments, status, etc. 

Because Experian has included information excluded under the FCRA, this constitutes a failure to comply with the FCRA and meets the definition of identity theft under Washington state law. 

Therefore, pursuant to 15 USC 1681c-2 ( a ), I formally dispute this XXXX XXXX information as resulting from identity theft. I am enclosing a copy of my Washington State Drivers License, Current Utility Bill and Social Security Card ; I have identified the information resulting from identity theft needing to be blocked ( below ) along with a copy of and identity theft report filed with the FTC. Under 15 USC 1681c-2 ( c ) ( 1 ), you may NOT refuse to block this information based on any other information in my file.

Consumer Statement : Please be advised the information being disputed in this notice is being furnished to my consumer as a result of identity theft and is not information relating to any transaction authorized by me to do so. 

I request Experian immediately BLOCK any and all data furnished by XXXX XXXX associated with Account # XXXX from my consumer report within 4 business days, as required by federal law. Please confirm once my consumer report has been updated. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-10-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Auto Finance, in conjunction with XXXX XXXX XXXX XXXX XXXX and XXXX have attempted to extort my family name and family business ever since I went in seeking an auto loan following the illegal activities of XXXX XXXX and their agents at XXXX XXXX XXXX and XXXX. 

I was unable to secure a loan for a new vehicle, I was forced and almost coerced by " XXXX '' " XXXX '', IDK his real name, to sign for a XXXX XXXX at a rate that was the exact same as the rate for the 2018 XXXX XXXX. Once I refused and pressed harder, he literally begged me to get in a new XXXX. 

When I refused that, he then proceeded to act aggressively and in a XXXX manner that made me and the employees at the nearby XXXX XXXX XXXX uncomfortable. 

I do not trust him, I do not trust Capital One on XXXX XXXX and I will never return to ask them for any credit in my name or my business tax ID ever again.
Consumer complaint received 2022-09-12
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: Bread Financial Holdings, Inc. (FL)

In accordance with the fair credit Reporting act XXXX Account COMENITY BANK/VCTRSSEC, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.
Consumer complaint received 2023-07-18
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. (TX)

This is my several request to 3 Three Credit Bureaus to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The account is still reporting to my credit file held by them. This account is opened fraudulently. I informed them of the issue & provided them with the required documents to correct the account via FCRA. They have failed to verified the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need this account be corrected by the bureaus from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-21
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: Bread Financial Holdings, Inc. (WI)

On XX/XX/23 I bought a duffel bag at an XXXX  sports somewhere in Missouri To check out XXXX card sold applying for a credit card I can save {$15.00} I declined because I didnt want to bother with it. She said it wouldnt be a bother. I could apply for the card today be approved but the item on my credit card and then pay off the credit card today and Id never get a bill. 

Regretfully I did Ive talked with the companies XXXX XXXX XXXX XXXX fraud department store manager Ive talked with Comenity Bank numerous time. They used to call me every week or so. 

I have a letter or an email from the XXXX XXXX  store manager that he has reviewed the security tape and he saw that I paid for the bag XXXX  bank says that they do not accept that, theyve been adding a {$40.00} late fee every month and other baloney charges When Ive told them, I believe a judge will take my side in this they seem to know they didnt quite laugh in my face, but they seem amused, and they told me to contact the lawyer Is there go to phrase whenever I contact them? I need to contact the lawyer that I need to contact the lawyer, or that I should talk to a lawyer about this and see what the lawyer tells me I believe they bank two things one they cost more for me to hire a lawyer to fight this then the debt is As last I checked, the debt was up to a little over {$300.00} and they would settle for {$180.00} It was about {$100.00} bag and with a {$15.00} discount it was about XXXX or XXXX which I paid I already paid it They are breaking a law because theyre notifying the credit bureau that Im delinquent when Im not that is illegal Yes, I have told them that they are illegally harming my credit by reporting a debt that I do not owe They just go back to their key phrase or their favorite thing to say and that is that I need to contact the lawyer and see what he or she says about it I sent them a registered letter with a copy of the email printed out from the store Director or storage manager saying that he has reviewed the security tape and he saw it that I paid for it and I do not owe for the bag I brought in the letter that they need to not only stop reporting me as delinquent to the credit XXXX, but they need to tell the credit bureau that I am paid in full and to retract the black eyes they have delivered to my credit report Please help me with this XXXX is my phone number your permission to leave a voicemail if you are unable to get a hold of me I wear a hands-free headset and Im usually available when Im dealing with a client or something of that nature. 

Im XXXX  XXXX XXXX XXXX XXXXr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thats not my situation!