davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
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. (MD)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : $ XXXX XXXX XXXXXXXX XXXX XXXX : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$7400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

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 account name : XXXX XXXX XXXX Bank Credit card : Account number : XXXX, XXXX XXXX : Account number : XXXX, Dept Of EDXXXX XXXX : Account Number : XXXX, XXXX XXXX XXXX Account number : XXXX 15 USC 1681 section 602 A. 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 account without my written instructions 15 USC 1681c . ( a ) ( 5 ) Section States : no consumer reporting agency may make any cinsumer report containing any of the following items 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 resonable cause to believe that the information is inaccurate
Consumer complaint received 2022-12-21
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

This is to inform you that CAPITAL ONE unlawfully reported an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information. Their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (VA)

I accessed the XXXX XXXX at XXXX and ate fruit that had mold on it. I reported this to lounge staff and was told I should reach out to AMEX. As a result of this, I had food poison and had to visit a doctor for my symptoms. Then I reached out to AMEX, and they opened an investigation with a reference number XXXX. However, after the investigation they said I should contact the lounge for compensation. It seems like both the lounge and AMEX are XXXX XXXX, and AMEX is owner of the lounge and shall be liable for this incident.
Consumer complaint received 2022-12-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (AR)

Someone working within Credit Acceptance Auto, illegally charged and stole money off 11 months of the entire car loan with them, ruining my credit, as well reporting false information as well. I went to an accountant and they came up with {$1000.00} in stolen money they charged if excess fees. They only charge {$5.00} a month in late fees, which is stated on the contract I have from them... They also did not honor covid assistance, reported late payments when they said they would not during covid, they also reported several times 30 days past due when I was only a few days past due. They also reported a past due amount of {$300.00} in XX/XX/2021, when in fact I was not!!! Balances should never go up but as one can see with the image I attached, it happened, their cap for a monthly late fee is {$5.00}, not {$10.00}, nor {$100.00} etc, I attached the proof of the illegal fees ranging from {$40.00} to {$100.00}, as well as the reported {$300.00} past due, in which one can clearly see, I was paid for XXXX and XX/XX/2021!!! Then they tried to cover it up by clearing what they reported in the XXXX report! That is attached as well ... Also the interest was already accumulated in the total loan, from the beginning of the loan, not monthly excessive fees because I was late or even on time from the 4rth month it the loan. None of this was in the contract, which is attached as well. This from what I read has been a common practice with this company over the years from lawsuits to complaints of the same nature! I also had to hire a Credit Firm to help with this as well as spend money for the accountant for this illegal nonsense! Also have many many recorded phones calls of lying straight to me, as well as a response from an Attorney they used, lying regarding this situation as well.
Consumer complaint received 2017-03-29
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SYNCHRONY FINANCIAL (GA)

I have asked numerous times not to be contacted by XXXX and that they only communicate with me via US Mail. The company is contacting me several times a day via a Robo dialer. When I answer the phone they often hang up on you. The calls are originating from a call center in XXXX. I keep being told they will no longer contact me on my company cell phone but they still do. The debt collector often states they are on a recorded line but will not identify themselves until they try and verify all the personal information. I told them they were not authorized to contact this number.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (CA)

I agreed on XX/XX/XXXX, XXXX XXXX XXXX to install closet organizers in my home. The sales rep told me the store offered an interest free financing for a year. I agreed. I was told after approval that my credit limit was {$6800.00} ; 3 times the cost of the improvement. The sales rep told me I had to call Wells Fargo to ask why the limit was so high. I was told that it was a store credit card to be used at any XXXX XXXX XXXX  On XX/XX/2022 I told Wells Fargo I wished to cancel the credit card. I also canceled the order with XXXX XXXX the same day. I was assured by Wells Fargo that my credit card was canceled. I know XXXX XXXX canceled the purchase because the down payment was refunded on my XXXX credit card. On XX/XX/2022 I received a new Wells Fargo store credit card. I never wanted a Wells Fargo credit card. I thought when I requested the credit card to be canceled, Wells Fargo would honor my request.
Consumer complaint received 2023-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Credit Corporation (WA)

The original creditor is a real estate agency called XXXX XXXX XXXX XXXX of an apartment I rented, where prior to move in I paid a security deposit via money order, the protocol was that in order to receive keys on move in date I had to bring a deposit, so I did. Upon move out, the company stated I didn't provide a long enough notice and also stated that I did not pay a deposit when I moved in so therefore the balance owed was for a one month rent plus several hundred for any damages and cleaning that accrued while I occupied the apartment. Which is absolutely false, I paid a deposit upon move in. Later, I found out from other neighbors that the previous manager fraudulently cashed the deposits and did not apply the money to accounts, as far as giving the notice to apartment according to State Law if the apartment remains unrented they are supposed to charge me the amount of days that it remains unoccupied, while I tried to resolve and paid for the amount of days it was unoccupied the balance still grew at an awfully high interest rate of 12 % with now a collections company, which also made zero attempts to inform me of the debt and the interest rate they go for. In conclusion, the original debtor received a payment of {$400.00} which I believed was what I owed for not providing enough of an advance notice prior to move out, which could also be argued since the apartment manager was never on duty, she later go fired.
Consumer complaint received 2022-12-21
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: Go Capital Holdings, LLC (PA)

After reviewing my credit profile on XXXX Ive identified a discrepancy with the account listed under Go Financial & requested that this account be removed due to New Jersey statue of limitations. This account has been on my report for 7 years and the statue of limitations for the state of New Jersey is 6 years. I have not receive any correspondence from any of the XXXX credit bureaus to have this account removed which is negatively affecting my credit, nor has it been updated. Please strike and have this account removed from all XXXX credit bureaus.
Consumer complaint received 2023-03-14
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. (AZ)

I contacted this company to dispute an item they are wrongly reporting on my credit report. They said they don't have to provide verification as they are the original creditor. But their info and address are on my credit report. I have two distinct problems with this company : 1. I don't recognize the item on my credit reports, to begin with. I am asking them to verify with competent evidence, bearing my signature, that the item is being reported accurately. I contacted them because THEY are the ones on my credit reports and it's THEIR address I see. So either this company is out of line and has directly violated the FCRA and FDCPA by not verifying this alleged account following a formal dispute, or they are reporting false and unverifiable information, also a direct violation of the FCRA and FDCPA. 

2. If they in fact feel they are not subject to the FCRA and the FDCPA, and do not need to provide verification that the alleged account is mine, then they need to remove this account from my credit reports because they have no business reporting an account that can not /will not be verified as mine with competent evidence bearing my signature verifying that I am contractually obligated to pay the alleged amount. 

Both of these issues represent a very serious error in their reporting and they are unwilling to do anything about it.
Consumer complaint received 2023-05-26
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. (NY)

XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$940.00} {$940.00} {$940.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$940.00} {$0.00} {$940.00} Credit Limit : {$600.00} {$600.00} {$0.00} Past Due : {$940.00} {$940.00} {$940.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Charged off account Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of negative information that appears on my credit report, as provided by your agency. Specifically, I would like to dispute the following items : XXXX Account Number : XXXX I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation. 

XXXX XXXX Account Number : XXXX Similar to the previous account, I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation.

The following personal information is incorrect : Account Number : XXXX XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.

I am also requesting that you provide me with a free copy of my credit report, as provided under the FCRA, 15 U.S.C. 1681j. I am entitled to this report because I have been denied credit based on information contained in my credit report.

Thank you for your attention to this matter. Please provide me with written confirmation that you have received my dispute letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-04-11
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. (FL)

I was a victim of Transunion glitch where they deleted a bunch of inquiries from credit reports, but didn't follow the law when they reinserted those back to my credit report.

In section 611 of the fair credit reporting act it states that anything deleted from your credit report and is later reinserted they must notify you by mail and they did not do so. I would therefore like all of inquiries removed.

Customer service would not take care of it for me. Listed below are the inquiries in question. XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiry XX/XX/XXXXXXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX  : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXXXXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiryXX/XX/XXXX XXXX   : Date of inquiry XX/XX/XXXXXXXX XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

Hello. On XX/XX/XXXX, I visited the Chase Bank branch at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I requested to open savings and checking accounts and provided my XXXX driver 's license and EAD ( work authorization ) as identification. Since XXXX could not issue cards on time, they provided certificates, which a California notary notarized. However, the bank worker refused to proceed with the account opening, citing that my card was expired. When another banker came, she reiterated the same refusal. I felt this was incorrect because I can legally work with those Chase people and should be able to open an account for my salary in Chase. I felt discriminated against.

Afterward, I went to a different branch, where they quickly opened both accounts without any questions. 

Today, I left a complaint at the original branch, expressing my feelings of discrimination and suggesting improvements to help other customers facing similar issues. However, a few hours later, I received a message from Chase stating they needed additional information and would close my account. It seemed to me that they wanted to limit my freedom of speech. If further information was required, why was the account opened without issue initially, and why were there no problems until that moment? This situation appears arbitrary to me.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (OH)

On XX/XX/XXXX PayPal limited my account without noticed this limitation has completely cut me off from any access to my money Ive contacted PayPal several times to release the funds and they refused they said I have to wait 180 days. 180 to wait on my money that I go to work for is absurd they refused to lift the limitation so I can access my funds. I need my funds immediately its not right nor far to cut someone off from their funds that they worked hard for especially a single mother. PayPal also stated that since the account is limited I cant transfer money yet I made a transfer when the account was limited and then once they were made aware of that they put extra precautions on the account as if its not MY MONEY
Consumer complaint received 2024-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/year> I was sent {$600.00} to my Venmo account for XXXX XXXX car rims from a customer it was shipped and they received it all of a sudden Venmo suspended my account then it was unsuspended again but yet I can not cash out MY {$600.00} balance they asked for me to verify identity etc I sent my driver license I sent the receipt that I also gave customer mailing address with my name I basically gave them everything to then come and tell me that my account will be closed and that I would have to wait up to 180 days to receive my money I contacted them numerous times for an explanation they still will not give a clear explanation now on XX/XX/year> they filed for the 180 days to begin but when they sent the date it said XX/XX/year> is when XXXX receive my {$600.00} to cash out of his is RIDICULOUS and I can not wait that long this company is a big time SCAM and customer service overall sucks its my money and I need it NOW they already made a decision and closed my account so just give me my balance of {$600.00} and end it but instead theyre holding my money XXXX so I need to get this money back its XX/XX/year> now as I wrote this letter as well I need this money for upcoming rent and bills or else XXXX going to be in a big hole financial wise so please help me get my money released now rather than XX/XX/year> which does not even add up to 180 days from XX/XX/XXXX so CLEARLY theyre on some sketchy stuff.
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit reporting act, XXXX Account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can only furnish an account with 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 any purpose
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

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. 

XXXX XXXX account # XXXX Was reported as a charge off, but is still reporting late payments. 
This is a violation of my credit reporting rights Iv ask for investigation on this matter more than twice and its still reporting on my credit
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SECURITY CREDIT SYSTEMS INC (NV)

No. XXXX. The matter is reported to the authorities. United States Department of Education, get these illiterate, ignorant, incompetent, perjurous, panhandling frauds out of my inboxes. XXXX XXXX XXXXXXXX XXXX XXXX, XXXX All Rights Reserved XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.