davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-08-15
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. (MD)

In accordance with the fair Credit Reporting Act. XXXX  these accounts have violated my rights. 

15 USC 1681 Section 602 A, State I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States A consumer reporting agency can not furnish a account without my written instruction. 

# XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX
Consumer complaint received 2023-12-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

Fifth Third had a promotion to receive a slightly higher than market rate on a money market account. The banker when I set it up told me when the promo period expired they would help me get into a new promotion or a current rate. When the promo did expire, no one at Fifth Third could tell me what my new rate would be or when it might change, only " back office '' systems determine that. Another banker also encouraged me to put additional money into the bank to take advantage of another promotional rate. The " listed '' rate on a money market is 0.01 %, which is obviously well below the market rate. 

I believe these promo rates are UDAAP. It encourages the customer to put large sums of money into the account to get a marginally higher rate for a brief window of time but then Fifth Third will not disclose what happens to the account next. It is bait and switch at best and simply deceptive as well. Clearly the business model is to pay the high rate for a while, assume most customers will forget about it and then lower the rate to one well below market rate. If these things were properly disclosed, it would be one thing but they are not. It simply isn't acceptable to say the " back office '' will determine your rate and we won't tell you.
Consumer complaint received 2024-04-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation (SC)

I HAVE TRIED SO MANY TIMES LETTING THEM KNOW I DID NOT APPLY FOR THIS CREDIT. I HAVE EVEN SENT OUT A POILCE REPORT AND FTC REPORT CONCERNING THESE ITEMS ON MY CREDIT REPORT .HERE ARE THE LIST OF ITEMS THAT ARE WRONG ONE MAIN {$13000.00} OPEN XX/XX/XXXX, XXXX {$92000.00} XXXX XXXX ACCOUNT NUMBER XXXX XX/XX/XXXX {$10000.00} XXXX XXXX {$16000.00} OPEN XX/XX/XXXX XXXX XXXX $ XXXX.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  Account Number : XXXX Please remove it from my credit report. 

8. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-08-15
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. (NY)

XXXX XXXX XXXX bought the debt from another bank & started sending statements to the wrong address. They are aware of the issue & agreed to update it to open/never late. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have pulled up my credit Report from XXXX and discovered this account that I truly believe was opened fraudulently. I have sent to XXXX several dispute letters several times. XXXX has refused to do fair investigation to this matter. 
In accordance with the Fair Credit Reporting act. The List of account XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy a. Reinvestigations of Disputed Information 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. 
Therefore, my position is being clearly stated, this account do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect account.
Consumer complaint received 2023-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (CA)

I began getting calls from Enhanced Recovery Company ( ERC ) maybe two or three years ago at this point. During one of the calls, I asked the agent to verify if the account belonged to me and he just hung up. The calls stopped and I didn't think much of it. 

Maybe 1 month ago, I got a call from ERC. The agent asked who he was talking to and I told him who I was and proceeded to move towards getting me to pay money for a bill he was trying to collect on. I was driving at the time and the call was dropped. 

I happen to check on my credit report for a different matter and see that ERC has reported the debt to the credit bureau 's. They have never validated the account with me or sent me anything in writing to do so. 

I'm willing to bet, there's been other complaints about this company but if not this is the information about them I could find on the web : XXXX XXXX XXXX, XXXX, FL XXXX XXXX
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

I reported my chime checking account I used without any authorization within 48 hours of it being used and stolen. It was abused from the chime app on my phone I reported my phone stolen I reported that the XXXX I reported my phone had been stolen to chime and I reported the fact that my driver 's license was stolen so do not accept any changes to the account because there had been a bunch of fraudulent charges. These have been done through the chime application through people like uber many times. They also used it on cash app which they took {$320.00} out several other transactions were sent to somebody called XXXX XXXX. Now my phone had been stolen and that is where I do all my transactions and chime do that so I wasn't able to contact them back all the time since I did not have my phone or access to my email and I had called them using a borrowed phone. They continue to let people use my account they charged money also to XXXX eats for significant amounts. They kept asking for me to point out what transactions were fraudulent I said every transaction after XXXX XXXX. on XX/XX/XXXX with the exception of XXXX {$100.00} ATM which was me taking money out from the credit builder account. My wallet was gotten into and left they took only my XXXX XXXX credit card my driver 's license and I suppose copy the numbers off the debit card. But they didn't need that cuz they have the app which has the number on it. They went as far as letting the thief change my address, my email associated with the account and all that after I had told them that they had gotten in my driver 's license to not let and allow any changes. So I was a lame duck they had my telephone where verification they would call the number and they had my driver 's license they changed my address I called back and I told them to verify the address they told me that wasn't the one on file I told him the new one they changed it and they went back in and changed it again. I told him I needed access to my social security money I was XXXX XXXX XXXX and that was all the money I had they ignored me and they just put me on hold every time. Fast forward to XXXX my new social security check came in and they allowed him to take money out of my checking account again {$600.00} out of the same account that I had reported fraud several times and I reported the wrong address had been put on there and it just completely ignored me. I need my money. The fraudulent charges in XXXX are over {$600.00} and they were very clear and I think about {$1000.00} I don't have it in front of me for XXXX. I need to have that money put in my account so I can use it immediately. I filed a complaint with the Federal trade commission for identity theft at the federal level. Since they had XXXX account that went into my XXXX account and hacked them and gave themselves access to my email and it wasn't until XX/XX/XXXX that I was able to recover it.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (MD)

In CFPB complaint XXXX, I attempted to close my deceased mother 's XXXX ' XXXX savings account and collect her remaining funds. 

During the course of handling the complaint, Wells Fargo employees fraudulently claimed they can not close the account and send the funds to me because it is a joint account. That is false. At one time the account was joint in that she owned it with her husband, but he died on XX/XX/XXXX. She provided Wells Fargo with the death certificate, and they removed his name from the account. After that the account was in her name only. Additionally, on two other occasions I have provided Wells Fargo with a copy of her late husband 's death certificate. Wells Fargo needs to close my deceased mother 's account and send the account funds to me no later than XX/XX/XXXX. 

I wish to have ALL communication with Wells Fargo done in writing.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Im writing in the hope that someone can tell me how on earth decisions to lower or raise credit scores are made by XXXX, XXXX, and TransUnion. 

My credit score for a long while was XXXX - XXXX. I have just short of {$85000.00} deposited in two savings accounts, I have ZERO long term debt, NO car payment, NO student loans, NO medical bills, NO overdue bills of any kind. Still my credit score was dropped a full XXXX POINTS over a {$2500.00} charge that was paid off FOUR DAYS after it was charged??? 

I received an XXXX alert yesterday about a transaction on my XXXX XXXX, one similar to charges that Ive done several times before, specifically about {$2500.00} for vehicle maintenance. After a lengthy conversation with an XXXX rep I found that my credit score was about to be dropped a full XXXX POINTS for something Ive done several times before. That {$2500.00} didnt come close to the credit limit of my XXXX XXXX XXXX and last week I initiated a {$3000.00} payment from my XXXX account that posted to the XXXX yesterday leaving a current balance of about {$100.00}. 

How on earth does a charge of {$2500.00} warrant a reduction of a full XXXX POINTS to my credit score? This is not the first time this has happened but is definitely something that should NEVER be allowed to happen.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MS)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-06-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Collectors Corp. (WI)

Professional collector corporation is stealing money from me and i am sure other victims as well. This here proves that they are stealing money and someone needs to get involved to stop them so that people dont people become victims like my husband and i have been. I will prove that they have paid very little what was taken out of my husbands check to my medical bills. My husbands hard earned money and i am XXXX. This is in regards to complaint XXXX. 

First I have proof from the law library of Wisconsin that says about interest rate. When you were talking about Wisconsin statue XXXX you didnt put the whole law. You took pieces of the law and fit in where you thought it made you look good and not a liar. This statue XXXX says about liquated damages which is in reference to a signed contract. Dont worry i have proof That it was emailed to me by someone who works for the law library. 

Second thing you never answered why my documents I was served with start with XXXX to XXXX????. The records that were entered into ccap were from XXXX. Also XXXX have XXXX bills yet what was entered into XXXX  shows XXXX bills. 

Third thing you said that you garnished his check on XX/XX/XXXX in the amount of {$350.00}, XX/XX/XXXX {$320.00}, XX/XX/XXXX {$440.00}, and XX/XX/XXXX {$340.00}. You straight out lied to the cfpb. The documents I have are straight from my husbands checks showing when they were garnished. They were garnished XX/XX/XXXX {$290.00}, XX/XX/XXXX {$380.00}, XX/XX/XXXX {$350.00}, XX/XX/XXXX {$320.00}, XX/XX/XXXX {$440.00} and XX/XX/XXXX {$340.00}. Obviously the dates dont add up. Nice way to try and confuse someone but i am too smart for that game. You are going to have to explain to someone for what happened to the money. It shows from beloit system only {$5.00} was paid in XXXX, nothing in XXXX. You took {$2100.00} and only paid Most of the money is unaccounted for, There needs to be accountability if youre going to steal from a XXXX working persons paycheck. You lied on what you said on what you paid on these bills. You paid in XXXX {$5.00}, In XXXX {$0.00}, XXXX {$0.00}, In XXXX {$210.00} And XXXX {$180.00}. So you took out {$2100.00} and only paid {$390.00}. This is right on the beloit health systems website. So you took out {$2100.00} and only paid out {$390.00}. Where is the remaining {$1700.00}? My husband works hard for us to survive. 

The 4th thing i Have is the proof That i took screenshots on what was actually paid to the hospital since the garnishment started in XXXX not XXXX of this year. 

You sent to the cfpb that you paid {$320.00}, {$440.00}, {$340.00} and {$260.00}. This is for a grand total of {$1300.00}. How did you get that you received {$350.00} yet only paid {$260.00}. Your math doesnt add up with the interest and principal to {$350.00}. Where is the rest of the money you took? Why does your records not reflect beloit memorial hospital payments?
Consumer complaint received 2023-06-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

as of XX/XX/XXXX this year 2023  Chase bank ( jp morgan ) double charged my wife 's ( XXXX XXXX ) bank account in the amount of {$1100.00}, my wife did not have the funds for which Chase bank transferred the fund twice ( double payment ) on XX/XX/XXXX of this year 2023 resulting in a tranfer to my checking account of {$2200.00} from wife 's account. We contacted Chase bank both myself and my wife and notified Chase bank on XX/XX/XXXX of this year 2023. Chase bank declined acknowledge their mistake, instead Chase bank was blaming us their customer for their own mistake then Chase bank credited my wife 's account in the amount of {$1100.00} on XX/XX/XXXX of this year 2023. Chase bank then cause my checking account to go negative- {$10000.00} on XX/XX/XXXX of this year 2023. Again i contacted Chase bank and was advised i caused this issue, again Chase bank did not acknowledge their mistake and Chase bank did not warn me or let me know other charges would be returned. This happened after i made my credit card payment to XXXX  XXXX on XX/XX/XXXX of this 2023 the funds were taken out by Chase bank on XX/XX/XXXX of this year 2023 causing my account to be negative but that charge was returned never credited in my account and Chase bank also charged me insufficient funds fee of {$34.00} for that transaction but the fund of {$450.00} from XXXX  XXXX was never returned by Chase bank back into my account. Today XX/XX/XXXX i called Chase and again they were accusing me of causing my own account to go negative. I don't understand how Chase can take advantage of their customers with their own mistake, they need to return my funds of {$450.00} immediately and without excuses.