davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (IL)

existing problem We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT There is a collection on all three bureaus for {$150.00} from Law Offices XXXX -ALLEGED ACCOUNT # XXXX that does not belong to me I sent XXXX XXXX XXXX a certified letter DEMANDING FOR VALIDATION AND PROOF OF CLAIM and received no evidence of such a debt from XXXX. This Notice is being sent to you in response to the reporting on my credit profile which is not VALID. I am putting XXXX on NOTICE : to verify and validate this debt but do buy some random account for pennies on the dollar and slam it on my report without VALIDATION i have no recollection of such account. Be advised that your reporting is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the The Fair Debt Collection Practices Act,15 U.S.C. 16921692p, and as amended by adding the following new Title 8 USC 802., and the Fair Credit Billing Act, 15 U.S.C . 1666- U.S.C . 1666- All of which work in conjunction with each other, including the Truth Lending Act ( TILA ) 15 USC 1601 et seq. In accordance with the Fair Credit Reporting Act Alleged account #, has violated my rights. 15 U.S.C 1681 section 602 A. { States I have the right to privacy. 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I am in the process of filing for {$1000.00} per violations.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

I have direct deposit with Wells Fargo. They promise a two day early deposit but they hold my check if my account is negative. They would hit me with a overdraft fee first and then deposit the check. This happens every week, I have spoke with a banker and was told that my deposit has not cleared yet or was not verified but when I get hit with the fee, then all of a sudden my check is verified and deposited. My charges does not go through in order. I could make a small purchase for maybe {$10.00} and then a purchase for {$50.00} and they would process the {$50.00} payment first trying to catch you with a overdraft fee for the {$10.00} payment. Wells Fargo is a bad bank and is very untrustworthy but they claim they are here to help the customers.
Consumer complaint received 2024-03-07
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. (MS)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$12000.00} Balance updated XX/XX/XXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX CO XXXX - XXXX CO XXXX - XXXX CO XXXX - XXXX CO XXXX XXXX XXXX CO CO XXXX XXXX CO CO XXXX CO CO XXXX CO CO XXXX CO CO XXXX CO CO XXXX XXXX CO XXXX XXXX CO
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: EQUIFAX, INC. (NC)

On XX/XX/2024, I sent notice to the following company requesting validation of an allege debt owed pursuant to 15 USC 1692g ( a ) XXXX and XXXX XXXX. They never responded. I followed up with a cease-and-desist notice on XX/XX/2024 pursuant to 15 USC 1692 ( c ) giving them thirty days to respond and still no notice. I never gave this company written or verbal consent to furnish anything to any reporting agency. This is affecting my reputation and my character. If this company can not provide any of the following, I have requested for them to remove it.
Consumer complaint received 2023-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (NY)

I hope this message finds you well. I am writing to bring to your attention an issue I recently encountered with my Chase checking account, which requires your prompt attention and resolution. 

On Thursday, XX/XX/2023, I utilized my Chase checking account to transfer {$110.00} to a friend through XXXX ( Chase Quick Pay ). To my dismay, I discovered on Friday, XX/XX/2023, that two separate transactions of {$110.00} were processed and sent to my friend via XXXX, despite the fact that I only authorized a single payment. It was evident that a duplicate transaction had occurred without my consent or intention. 

In light of this error, I would like to acknowledge Chase bank 's efforts to rectify the situation. On Saturday, XX/XX/2023, I observed that the duplicated transaction of {$110.00} had been reversed from my Chase checking account. While I appreciate the swift resolution, I believe it is imperative to report this incident to the Consumer Financial Protection Bureau ( CFPB ). My objective in doing so is to prevent similar instances from happening in the future, especially when individuals are making important payments such as rent. 

I kindly request your assistance in thoroughly investigating this matter and ensuring that appropriate measures are taken to prevent the recurrence of such errors. It is essential to maintain the integrity and reliability of banking transactions, safeguarding the interests of customers like myself. 

Please acknowledge receipt of this complaint promptly and provide me with an update on the actions taken to address this issue. I trust that Chase bank, being a reputable financial institution, will handle this matter efficiently and with the highest level of professionalism. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (FL)

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 items immediately. 

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 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NE)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2022-12-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (NY)

I am contacting you because my CB Indigo/GF which was opened XXXX has reported without my approval a late payment on my account which is a violation according to code 15 U.S code 6802. I have attempted to contact them in regards the matter and they refuse to remove. I never missed any payments on this account and will like this to be resolved/removed. This company placed this inaccurate info on my XXXX credit profile and I will like this removed according to the following U.S Codes : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Consumer complaint received 2018-04-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Debt was paid on XX/XX/XXXX, received court summons on XX/XX/XXXX. On XX/XX/XXXX contacted portfolio recovery associates llc placed the call at XXXX, was transferred multiple times and talked to XXXX XXXXXXXX who placed me on mute and ignored me. Before doing so XXXX advised the account is closed and paid in full but can not tell me when a dismissal was sent but it was sent. Im being sued for a debt that has already been collected, and they refuse to issue the dismissal to the court and told me to call to dismiss. I can not dismiss this court case now I have to waste my time going to the court house to defend myself against this debt collector who wants to collect twice.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a complaint regarding inaccurate items on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to delete. The inaccurate items are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. The 3 credit bureaus should delete these fraudulent items : XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$59.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; Original Creditor XXXX XXXX  XXXX  XXXX Balance {$2000.00} ; XXXX XXXX XXXX XXXX Balance {$660.00} ; Original Creditor XXXX XXXX XXXX XXXXXXXX Balance {$130.00} ;, XXXX, TX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$130.00} ; XXXX XXXX Balance : {$1600.00}.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

In XX/XX/XXXX I paid off and closed my credit card account with Bank of America in order to avoid the annual fee. A week later, when I went in to get historical information, I discovered my online banking account had been completely XXXX because I no longer had any active accounts. In order to get it reinstated I opened a checking account through my husband, only to discover once I logged in that my closed credit card, and all of my transaction history and statements no longer existed. I contacted Bank of America on XX/XX/XXXX in order to ask for them to send me electronic copies of my transaction history or statements, and they told me this was no longer possible ( despite being required by law to keep this information for years after the account is closed ), and that they would only provide it on paper via mail or in a branch ( the closest of which is 2 hours from me ). Given that they are required to still have this information stored in their electronic database, completely hiding the account immediately from me and refusing to provide the information they are legally required to provide in any format other than paper feels deliberately difficult and as though they are punishing me for closing an account with them.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

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 XXXXXX/XX/XXXX They violated my rights by including inquiries, late payments, charge-offs, write-offs and collections. They violated my right to privacy and they stole my identity.

15 U.S.C 1681c ( a ) ( 4 ) 15 U.S.C 1681c ( a ) ( 5 ) 15 U.S.C 1681a ( 2 ) ( b ) 15 U.S.C 1681a ( 2 ) ( i ) 15 U.S.C 1681 ( a ) ( 4 ) 15 U.S.C 1681b ( a ) ( 2 )
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (CA)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2024-03-07
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of 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 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 2024-03-07
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. (TN)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is creating undue stress, and I implore you to quickly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-03-07
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. (ME)

I looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate on my Experian credit report. And according to the fair credit reporting act 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. 
These accounts XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX XXXX  Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 


XXXX XXXX XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX XXXX  Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX XXXX Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ).

And one more thing according to 15 use 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.
Consumer complaint received 2024-03-07
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. (OH)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the XXXX XXXX reporting standard. 

Listed below are the Accounts that are being challenged 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 2024-03-07
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.