davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery is a third party debt collector and has no right to collect the alleged debt amount. Transfer of a contract to a third party does not grant rights to collect. Portfolio has not validated this alleged debt as belonging to me and furthermore, has no right to collect. Enforcing said rights would be securties fraud has being the holder in due course with the only LAWFUL signee, I do not give any permission for Portfolio Recovery to handle my security ( contract ). 

3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.

( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.

18 U.S. Code 1348 - Securities and commodities fraud Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than 25 years, or both.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (MI)

This is in regards to the the complaint that was closed with explanation. I do not agree with the explanation as there is not a single unauthorized transfers in my account and none of my customers who have transfer funds into my account have file a complaint or needed a refund. 

I need to see which of the transfers Wells Fargo is claiming to be unauthorized. I spoke to the executive and theyre saying they know which ones are because there isnt none. 

Can I have a list of so called unauthorized transfers? Since its not reflecting in my account activity and none of the executives can tell me which ones are.
Consumer complaint received 2018-08-02
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: EQUIFAX, INC. (IL)

On XX/XX/2018 I disputed an account reported by COI in the file you maintain under my Social Security number. 

I was informed in XX/XX/2018 that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 

Please govern yourself accordingly.
Consumer complaint received 2024-05-01
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO. (LA)

Reporting inaccurate information Saying I never made any payments and also I sent a letter of validation to validate the debt never received the information that I asked JPMCB for the information that came back to me was incorrect. Try to communicate with them on several occasions to let them know that the information was incorrect, JPMCB charged it off and written off
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I keep disputing inaccurate personal information from Experian, such as my name, address, phone number, and work history. I only have 1 name, 1 address, 1 phone number, no nicknames, or slang, and no abbreviations but somehow, inaccurate information will be removed to reappear days later. I called and mailed in the reappearing inaccuracies and nothing was done by the dispute department to correct the information that I reported to them on several different occasions. 

Experian is in violation of my rights to only report accurate information, ( ONLY ). Per Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

However, a consumer reporting agency may continue to report information it has verified as accurate. Please see the attachment of my dispute results from Experian, refusing to DELETE the inaccurate personal information for good. I've also attached proof of my voter card, and court order seal divorce document with my correct name, address, phone, and exedra.
Consumer complaint received 2023-08-28
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. (FL)

This complaint in regards to the inaccurate and unknown things on my credit report as report by 3 Credit Bureaus. Please verify that all information is 100 percent true, accurate, correct. Please remove these items in my file. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 


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 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 2023-09-09
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. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This inquiry is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Remove this inquiry ( XXXX  XX/XX/2023 ) as seen in the attached. 
Also this unauthorized inquiry which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry and TRANSUNION is in violation of 15 U.S.Code 1681n ( a ) ( 1 ) ( A ) and is liable. Find my invoice attached.
Consumer complaint received 2023-12-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

My problem is that American Express did not openly acknowledge that they changed their security features to drastically limit the gift cards usability at online stores this year. We purchased XXXX of dollars  in gift cards only to find out they have limited functionality and cant be used at a majority of online retailers. 

They should have been upfront with these security changes, but sold the cards to us with no warning of these limitations. We would have never purchased them had we known this. 

Weve purchased many Amex cards in the past without any problems in previous years. Transactions for these valid cards are being declined - yet with each attempt, Amex is happily taking XXXX per attempted transaction, even though the purchase is being declined. 

Their answer was simply to state that they are protecting my funds.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL (NY)

My experience with Lowes/XXXX XXXX has been horrible since XXXX when problems with their credit card as ruined my credit report since then. In XXXX my Lowe 's credit card had a withdrawal of {$250.00} dollars without my consent from my checking account. I called customer service and explained what happened, the person from customer service told me that it must of been one number off of someone else 's account number and the withdrawal should not happen again.From there I had to go to my bank which is XXXX and fill paper work out to get my money put back into my checking account, which they did. So I decided to cancel that credit card and open a new one just to be same. A year later the same problem happened again. {$250.00} dollars was taken out of my checking account without my consent. Again I called customer service and they explained that should of never taken place. Then once again had to go to XXXX fill out paper work to get my money back. Once again they had to get my money back from that withdrawal. But as all this was going on I was still making payments on my Lowe 's credit card bill like always. I notice that all my payments where being returned to me and late fees and interest charges where being placed onto my credit card bills. Come to find out XXXX had shut down all my transaction between Lowe 's and XXXX without me knowing and telling me that they had done that until I found out for my self which was very upsetting to me. Unfortunately because of their mistakes my credit rating has suffered immensely! I was taking to court by XXXX XXXX and paid off all my debt so I thought. I find out that I still have a Lowe 's credit card with a balance that has been charged off? I am looking for some help on getting this resolved and my credit rating to be improved. I'm also on XXXX and can not afford to pay off the debt at this time. If it wasn't Lowe 's / XXXX XXXX and XXXX I would not this dilemma. Thank you XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi My name XXXX XXXX Im having a problem i need help with .This statement is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Consumer complaint received 2022-12-07
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. (NC)

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that credit accounts, credit inquiries and personal addresses that have not been authorized by me, do not belong to me are entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute for the removal of this information from your systems. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 


This is an immediate request for removal and blockage of incorrect information. 





Unauthorized Accounts to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX XXXX {$0.00} Unauthorized Subscriber Inquiries to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXXXXXX XXXX- XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Incorrect Addresses to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within XXXX days of resolution. 

I look forward to hearing from you soon. 


Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Consumer complaint received 2023-05-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed damages on my credit report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character!
Consumer complaint received 2021-01-02
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: EQUIFAX, INC. (AL)

XXXX XXXX XXXX {$160.00} open XX/XX/2019 FRAUD REMOVE XXXX XXXX  {$0.00} FRAUD REMOVE XXXX {$960.00} FRAUD REMOVE XXXX XXXX  {$1000.00} FRAUD REMOVE
Consumer complaint received 2019-05-29
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. (NV)

I disputed the student loan accounts with Experian for several attempts to no avail..The student loan should not be reported on a credit report since its a government funded loan and only private funded loan should be displayed..Worst the loan is reported duplicated..Remove XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-06-16
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. (SC)

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 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

I sold my 2nd home at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX on XX/XX/XXXX. My loan was with Select Portfolio Servicing , INC. My loan # is XXXX. Select Portfolio Servicing Phone # is XXXX. On XXXX XXXX Select Portfolio said to me that they had sent a check to me for the refund of my escrow account in the amount of {$2100.00}. I have called them twice since then and both times they said it was mailed on XX/XX/XXXX. I asked them to re-issue a check or send a wire because the check has to be lost in the mail because its had plenty of time to be here. They have refused to do this. I am entitled to a timely refund of my escrow money. 

My name is XXXX XXXX XXXX. My primary address is XXXX XXXX XXXX XXXX XXXX IN XXXX. My DOB is XX/XX/XXXX. My phone number is XXXX XXXX XXXX XXXX XXXX XXXX. My email address is XXXX. 

Please help. Thank you very much. 

XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (ME)

My card was declined for dinner. I contacted citi to understand why. I was told that my security code - the code i reset 5 times to the same word when my card informatikn was last compromised- would not work. Therefore i was unable to understand why my card would not authorize a transaction.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

TransUnion it is your duty to ensure that all information reported is consistent, complete and accurate. You have failed. I have sent three written dispute for XXXX XXXX acct # XXXX to be deleted for reporting inaccurate information. The FCRA Compliance/ date of first delinquency is required to be accurate so consumer know when how long the debt can be reported on a consumer report. Delete this account for reporting inaccurate information on FCRA Compliance/Date of First Delinquency is inaccurate XXXX has XX/XX/, TransUnion has XX/XX/, XXXX has XX/XX/. All three can't be accurate or correct. FCRA requires you to fix it or delete it.