davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
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 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 2023-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

I am writing to file a complaint against Jefferson Capital Systems , LLC for alleged violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in relation to an account they claim I owe. I have reason to believe that the account is inaccurate, and that Jefferson Capital Systems has failed to provide adequate verification of the debt, as required by law. Specifically, they have not provided me with a copy of the legally binding contract entered into at the conception of the debt, or any documentation of the original contract with the creditor, XXXX, that shows the transfer of ownership of the alleged debt to Jefferson Capital Systems. They also have not provided any proof of accurate legal debt assignment, payment history of the alleged debt, the correct original date of first default, or any communication of the payment address of the original creditor. Specifically, Jefferson Capital Systems has violated the following U.S.C. codes : 1681i ( a ) ( 1 ) ( A ) and ( B ) - Failing to provide verification of the debt upon my request 1681e ( b ) - Reporting inaccurate information on my credit report 1692e ( 2 ) ( A ) - Attempting to collect an alleged debt without a legal contract 1692e ( 5 ) - Failing to provide the payment history of the alleged debt 1692g ( a ) - Failing to provide the original contract of the alleged debt and any mention of transfer of ownership 1692g ( b ) - Failing to communicate proof of accurate legal debt assignment 1692g ( c ) - Forced/coerced admission of liability Furthermore, I believe that Jefferson Capital Systems has been trying to collect an alleged debt without providing any of the above-mentioned documentation, but with the intention of hurting my credit report and stifling my financial success ( which amounts to passive harassment, coercion, and abuse ). According to the FDCPA and FCRA, it is the responsibility of the collection agency to provide all the requested information and proof mentioned above, and to report the account while indicating the accurate date of initial default, which provides the timeline for reporting. But Jefferson Capital Systems has failed to do so. Because of this failure, I am citing the legal responsibilities of a collection agency to the consumer to report the accurate date of initial default which provides the timeline for reporting. I am requesting an immediate investigation into this matter, and that appropriate action to hold Jefferson Capital Systems accountable for their alleged violations, as per U.S.C. code violations. I also request that the collections account be removed from my credit report and that any future attempts to report it be prohibited without the provision of all the information and proof requested above. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

My home was sold and closed via wired payment on XX/XX/2014. However, XXXX of XXXX of the lenders that held my mortgage are currently reporting it as active, and open. Please assist! I have attempted repeatedly twice in 2 years to clear this with dispute and phone call and it is still on my credit reports- XXXX , and Experian. I was trying to get preapproved for a home loan and they made me aware it is still open. 
When I contacted XXXX, I spoke with Agent XXXX # XXXX. She also informed me she could see on their database that the loan showed closed, however she refused to per our request send an manual report- XXXX to correct immediately. Instead, she directed me to submit a complaint for investigation to their email- XXXX, she also took my name, number, and loan # for her manager XXXX to contact me. I am still waiting for that call to correct this issue directly through them. I have attached all information, and I thank you for your help in advance.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (GA)

I was never late on the account listed blow. please show me documentation showing proof of transaction showing that I was ever late to support your in accurate reporting on my account. if you can not supply this please delete this allegedly late payment from my credit report. the reason for my dispute is that this is a invalid late payment The FCRA allows 30 days for this to be rectified. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX XXXX XXXX 2023
Consumer complaint received 2024-04-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

Marcus by Goldman Sachs refuse to wire my money back after account closure through a three way verified account. 
The account number is XXXX The Date of transfer is XX/XX/2023 Now 4 month after the date I still havent got my money back
Consumer complaint received 2022-12-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (TX)

I got a letter by XXXX, that my account was under investigation and no information was given back to me loosing a total of XXXXXXXX XXXX  dollars. I call back they claim my account was closed by me when I did not in fact close my account.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (MI)

I was notified by XXXXXXXX XXXX ( where I have a credit card account ) that an unauthorized hard inquiry was made on my credit report by XXXX XXXX XXXX XXXX XX/XX/2023. This is fraudulent activity. 

I froze my credit report accounts through XXXX, XXXX, and XXXX. On my XXXX account, I was able to see the hard inquiry made by US BANKXXXX XXXX XXXX XX/XX/2023 and a soft inquiry made by US BANCORP on XX/XX/2023. It is important to note these inquiries were not reported on XXXX or XXXX. 

I contacted AAA and they provided me with contact information for US BANK to report the identity theft/fraudulent activity. When I spoke with a US BANK team member, they confirmed a XXXX XXXX had been applied for with my information. Filing a police report was suggested for further documentation.
Consumer complaint received 2017-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently received a copy of my Transunion, All of these inquiries are unauthorized and were not approved. I do not remember authorizing The XXXX XXXX on XXXX XXXX, XXXX or XXXX on XXXX XXXX. I have written letters to have this removed but have not gotten a response. Please have the unauthorized inquiries removed.
Consumer complaint received 2023-03-20
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. (MA)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX & # XXXX, has violated my rights.
Consumer complaint received 2023-03-20
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. (CA)

Experian, XXXX and XXXX, seem to be in violation of breaking the laws 15USC1681 section 602 state, I have the right to privacy As 1681 section 604 ( a ) section ( 2 ) state consumers reporting agencies can not furnish a account without my written instructions 15USCI666 ( b ) state a creditor can't not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (GA)

I was doing my regularly credit report check and noticed that there was a strange account from XXXX XXXX XXXX on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The account was opened XX/XX/2022 ( 8 mos ) and shows as open. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent under Section 609 of the FCRA. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information.
Consumer complaint received 2023-03-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vengroff Williams, Inc (CA)

I rented a small truck from a XXXX on XX/XX/XXXX. I returned the truck on the same day, as documented in the enclosed receipt. 
I was charged for 2 days of rental. 
I contacted the merchant who refused to make the adjustment. I contact the Bank XXXX XXXX ) who investigated the matter over several weeks and confirmed that I was correct. 
The Bank issued a credit for the extra day of rental and made a payment for all other charges. 
I received a letter from a Collection Agency Vengroff Williams Inc, that I need to pay the full amount ( even though the merchant had been paid by the Bank for total amount minus one day of rental charge ). The Collection Agency has threatened to submit this to the Credit Agency by XX/XX/XXXX. 
I have contacted the Collection Agency over the phone and via emails, but have not heard anything back. 
Please help.
Consumer complaint received 2017-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (TX)

My loan was sold to Dovenmuehle ( DMI ) late XX/XX/XXXX and from the start the loan was boarded incorrectly and the problems started. They decided to force-place flood insurance on my loan even though my loan documents at closing show flood insurance already in place and also more paid in advance. I also emailed the flood insurance policy on XX/XX/XXXX and they still could not get it right so i had to email again on XX/XX/XXXX. Now they force-placed homeowners insurance even though my loan is a non-escrowed loan and my original loan documents show the homeowners. They have also charged me late fees even though my loan payment was never late. I have to take time out my busy day to " justify and validate '' that I am correct versus DMI spending the time to ensure they have set up my loan correctly and instead of calling me to discuss and confirm accuracy, I have to go out of my way and spend time away from work to call them and correct what they did wrong.
Consumer complaint received 2017-02-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ALCHRO INC. (FL)

I sent XXXX collection agency a letter on XX/XX/XXXX requesting written proof and signatures of the XXXX medical bills they have listed on my XXXX credit reports. In XX/XX/XXXX I was receiving government assistance and XXXX due to the fact that I was not working. I should not have a medical collection of {$75.00} and {$570.00} because I had XXXX. I also need proof of going to the XXXX and also my signature verifying that this was actually me. If they can not verify these please remove off of all XXXX credit report.
Consumer complaint received 2023-03-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Assistance Inc (TX)

I RECENTLY REVIEWED MY CREDIT FILE AND NOTICED A ACCOUNTS I DID NOT AUTHORIZE. I OBTAINED A POLICE REPORT AND PROVIDED THIS INFORMATION TO THE THREE MAJOR CREDIT BUREAS. XXXX INVESTIGATED AND REMOVED THE INANCCURATE DATA. I FORWARDED THE INFORMATION TO XXXX AND XXXX BUT THEY HAVE YET TO FOLLOW THE FCRA, WHICH STATES ALL INVESTIGATED INFORMATION FOUND TO BE INACCURATE BY EITHER CREDIT REPORTING AGENCY IS TO BE SHARED WITH ALL OTHER BUREAS AND THE INFORMATION IS TO BE REMOVED ALSO I LIVE AT XXXX XXXX XXXX  XXXX XXXX TX XXXXXXXX NOW AND FINANCIAL ASSISTANCE IS NOT LICENSED IN THE STATE OF TEXAS WHERE I HAVE LIVED SINCE 2019 SO I NEED FINANCIAL ASSISTANCE REMOVED FROM MY CREDIT.
Consumer complaint received 2023-03-20
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. (TX)

On my credit report XXXX XXXX XXXX XXXX Account number XXXX the account was charged off for the first time in XX/XX/XXXX. I noticed these charge off have went on for nearly 3 years now, negatively impacting my credit score each month up until this last month XX/XX/XXXX. This is illegal! FCRA law section 623 says an account can be reported delinquent on the months THAT IT IS LATE but once an account is closed it CAN ONLY REFLECT charge off up until the closing date. Anything after that is not supposed to be reported. Also in XXXX my report shows a 30 day charge off for two months in a row ( XXXX and XXXX ) which is not possible and inaccurate. The same thing happened in XXXX where I have two 30 day late payments back to back for the months of XXXX and XXXX. these are violations of my rights and have made my life much harde to obtain credit. this is not the first time I have brought this to attention.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (IL)

I received a targeted email offer from Chase Bank on XX/XX/XXXX. The email advertised that if I open a checking and savings account with them at the same time and completed a direct deposit I would receive {$300.00}, I would receive {$200.00} for depositing $ XXXX in savings account and holding it for 90 days and an additional {$400.00} for opening both at same time and completing required activities. I opened both accounts on XX/XX/year>, and set up direct deposit and deposited $ XXXX in the savings account. It has now been a couple of weeks since my first direct deposit went into the checking and noticed that I have not yet received the {$300.00} bonus. I inquired with chase, and they claim that I never enrolled using the promotion and I am ineligible for the offer. I provided them with the screenshots of my targeted email promotion, the coupon code I used and everything they asked for and told me that I am now ineligible for the offer because I did not reach out to them within 21 days of account opening. Although I applied through the email link. I researched this issue online and it seems that this is happening to many other customers.
Consumer complaint received 2018-04-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

Navient has reported me making late payments on my credit report for the last 2 years. navient fails to correctly apply my payments to my student loans. They have given me false information several times and tried to hinder me from taking part in a repayment plan with a lower interest rate, the continuously report my payments late to the credit bureaus.
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (VA)

I am writing to dispute a charge of {$560.00} from DISCOVER BANK on my credit report on date of XX/XX/2019. The charge is in error because this account was opened fraudulently with my personal information without my consent. 

I contacted the company immediately upon seeing this balance showing up collections. Multiple times have I stressed this issue to them regarding my concern on this account balance. The company refused to try and resolve my issue, even though I provided documents to them as proof, as well as writing them a letter and mailing it in. This issue has been prolonged for too long and its affecting me financially.
Consumer complaint received 2024-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (TX)

I have never had any business dealing with XXXX XXXX. They were bought by another company, and I settled with them and paid my balance in full. This account was closed in 2016, and they are reporting incorrect dates on my credit report and a balance that is not my responsibility.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In 2019 I became a member of XXXX XXXXXXXX XXXX. I chose a NON-renewable membership. Within the last two months, XXXX, thru Capital One Bank, has opened a line of credit in my name without my permission, and has entered amounts in excess of {$250.00} as charges against that account. I have received a card that I have not activated, and been billed by Captal One for a past due amount, with a treat of late payment charges.
Consumer complaint received 2023-03-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX  XXXX, which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Crypto.com did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Crypto.coms custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Crypto.com promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Crypto.com was in compliance with its own policies and procedures ; ( v ) whether Crypto.com owed duties to myself, what the scope of those duties was, and whether Crypto.com did not uphold those duties ; ( vi ) whether Crypto.coms conduct was unfair ; and ( vii ) whether Crypto.com has within its power the ability to, and should, compensate me for the harm that has befallen me.

Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud. 
In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Crypto.com must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer
Consumer complaint received 2022-11-23
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. (LA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX have 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 2024-04-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NY)

I tried to link my XXXX XXXX to my Wells Fargo checking account. According to XXXX Wells Fargo would not allow access for  XXXX to send the funds. Because of this, the funds were transferred 3 days later. I was charged XXXX overdraft fees during this period. I will be charged a return fee for my XXXX XXXX