davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NJ)

I'm writing to warn the Consumer Financial Protection Bureau about a collections agency that is mistreating me and not following the correct channels of communication when appearing on my credit report. Please look into my matter at the CFPB office. Without ever informing me, this account CAINE WEINER  XXXX amount {$130.00} suddenly appeared on my credit record. There was no phone call or written letter to me, so I can't let them know they've got the incorrect person.They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, CAINE WEINER XXXX I DO NOT DO BUSINESS WITH THIS COMPANY, AND I AM CONCERNED THAT THEY MAY HAVE ACQUIRED MY INFORMATION UNETHICALLY AND MAY BE BEHAVIOR UNETHICAL IN THEIR DEBT COLLECTION. Consumers are shielded from these unlawful conduct by a legal process. My credit score is being negatively impacted by this account, therefore if I'm turned down for anything, I'll speak with a fdcpa lawyer to seek financial relief.
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (IL)

I reviewed a copy of my credit report and Ally Financial ran an unauthorized credit inquiry on me on XX/XX/2022 and XX/XX/2022. 

This is a notice to cease your unauthorized hard inquiries on my credit report and a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history. 


I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2023-01-05
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. (VA)

In pursuant to 15 USC 1681b ( a ) ( 2 ) which states " ( a ) 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. '' I, THE CONSUMER, DID NOT authorize the credit bureau IN WRITING to furnish my credit report to the following accounts listed : XXXXXXXX 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 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX is reporting incorrectly to XXXX  ; Experian and XXXX  a balance due of {$63000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I traded this vehicle in and XXXX XXXX was paid in full. ( Please see attached Account Closed summary dated XX/XX/XXXX, as well as the Last Payment statement dated XX/XX/XXXX. ) This false reporting of a closed account with a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-12-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (TX)

If you look at my last case # XXXX, you will get details of this ( same, ongoing case ). After I filed that claim with you, Google finally accepted my ID proof, and I was able to start making payments, including trying to pay them back for the hacking money that I do not actually owe them. I decided to pay because just wanted to get past this. 

Then this morning -- on XXXX XXXX, I got another alert that said My ID has been rejected AGAIN ... .they are asking for the same OLD banking info ( that's how I know it is related to the original hacking issue -- that bank account is closed after the hacking of my account, otherwise they would use one of my current accounts on file for verification ) ... .and yet I uploaded it again this morning, hoping it was just a mini issue ( maybe ) -- but NO -- they immediately rejected AGAIN!! This is ridiculous. 

Of course, today, on XXXX XXXX, I tried to contact google about it, and the XXXX started all over again. No one can help, they say let me transfer you, the next person says I can not help, they next says can you start over from the very beginning again. 

This has been going on since XX/XX/XXXX! That is 3 months! It is unfair to me as the consumer, to have to contact Google 50+ times ( I have all of the proof of each contact ), and have to go around in circles, as if I do not matter, especially when I am doing all I possibly can to comply. And all of this is because my account was hacked. I am the consumer and there are supposed to be protections for me. I am shocked at how unorganized Google support is, they make me start over every time I reach out. They say I will be " escalate '', but all I get is a copy and paste reply that they can not help and " please try these ( same ) steps over again ''. What is a little person like me supposed to do against the HUGE google?

What am I supposed to do? I feel I have no support. I pay for an extra help plan with Google ( Google 1 ) and it has been no benefit in this case at all.

HELP PLEASE!!
Consumer complaint received 2022-12-24
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. (GA)

I pulled my credit report and noticed several accounts that do not belong to XXXX Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 


XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 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 an account without 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 2020-03-11
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. (AR)

My wife and I have been a victim of identity theft. We have never opened a joint account or done a rental agreement together. We have been trying to remove this from our report since we first found out 4 years ago. These accounts on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX  XXXX {$530.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX  XXXX {$270.00} XXXX XXXX {$200.00} XXXX XXXX {$220.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2024-03-17
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. (FL)

Account # XXXX opened- XXXX XXXX amount- XXXX $ I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX system are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ).

Regrettably, I have not been duly informed by XXXX XXXX system of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect.

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I recently submitted a complaint regarding all open inquires below mentioned. Your response is below. please provide a description of the investigation you completed that made these accounts factual. 


XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURESXXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX XXXX  XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXXXXXX XXXX XXXX XXXX  INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURESXXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. NON REPORTING DISPUTES XXXX XXXX XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-26
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: WELLS FARGO & COMPANY (GA)

Back in XX/XX/2020, I deposited a check into my Wells Fargo account, then it comes back counterfeit. I check what's up with the company that wrote me the check and they said it cleared, so I deposit it at Wells Fargo and it comes back counterfeit once again. Wells Fargo says they won't report anything in my XXXX  XXXX  XXXX  that would prevent my from opening an account with XXXX. So I try to open a checking account at XXXX, and they deny me because of " prior unacceptable experience with a financial institution ''. So I look at my XXXX  report and see Wells Fargo reported that my accounts were " closed for cause ''. I deposited this same check at XXXX XXXX and it cleared. I have the paperwork from the XXXX XXXX saying it cleared their account THREE TIMES. The email address linked to my Wells Fargo account is XXXX XXXX
Consumer complaint received 2020-03-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Skrill USA, Inc. (CA)

On the XXXX of XXXX my money was transferred to Skrill, However Skrill said it would take another 3-5 business day for them to clears now its been 6 business days and now they wont answer my phone call and have my account on Restriction and I dont have a have any access to my money in it its my wifes birthday and Im really upset about it what can we do
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (LA)

I HAVE A BANKRUPTCY THAT IS INACCURATE. THE CREDIT BUREAUS SENT ME PAPERWORK THAT THEY VERIFIED THE BANKRUPTCY THROUGH A THIRD PARTY. 
XXXX EQUIFAX XXXX  I HAVE PAPERWORK SHOWING I HAVE A SECURITY FREEZE ON ALL OUTSIDE PARTIES THAT REPORT TO THE CREDIT BUREAUS. THEY ALSO SAY THE BANKRUPTCY WAS VERIFIED BY THE COURTS. I HAVE PROOF FROM THE COURTS THAT THEY DONT REPORT TO THE CREDIT BUREAUS. ONE THIRD PARTY IN PARTICULAR WAS XXXX AND MY FILE IS SUPPRESSED AND HOLD A SECURITY FREEZE. 



XX/XX/2020 EQUIFAX ( OBTAINED FROM LOCAL, STATE, AND FEDERAL COURTS AS VERIFIED THROUGH A THIRD PARTY VENDOR, XXXX ) XX/XX/2020 XXXX  ( VERIFIED AS ACCURATE THROUGH THE COURTS ) XX/XX/2020 XXXX ( VERIFIED ACCURATE THROUGH COURTS FROM A THIRD PARTY ) XX/XX/2020 LETTER FROM COURTS ( DO NOT REPORT TO ANY AGENCY )
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Experian keeping my old ( 10 years old ) credit card that was unpaid due my hard time in college. A statute of limitation in Massachusetts Maxing all your dept on credit report up to 6 years General Laws Part III Title V Ch. 260-2. Please have them remove it because it damaging my score for life and violating my civil financial rights.
Consumer complaint received 2022-12-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX or XXXX or so, I just realized that my XXXX CDs duplicated. Ther reason beoing the email keep XXXX up for me to transfer the money. Right after realizing the duplicate account I called and emailed PenFed. I got a replied that they will process in 2-3 business days. I emailed again after 11 days passed, they sent me a reply to send a proof from my XXXX XXXX XXXX  that Penfed withdrew my money XXXX XXXX. It is weird since in my PenFed account it shows the duplicate CD account with $ XXXX each. 

I sent four attachments did not work out. I sent another two and they promised that they will take care of it ASAP and asked me to call 3-4 hours after on Tuesday, XX/XX/XXXX. I called, now they asked me to send a formal letter requesting my XXXX the duplicate deposit with my signatures??? 

I repeatedly told them that I am underwater, I am just a teacher that got paid once a month, that I have had an insuffficient notice from the credit card I paid to, and I need a positive cash flow RIGHT NOW to financially survived. It is frustrating and need a big help from a small people int he society. 

Thanks!
Consumer complaint received 2020-03-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had this XXXX XXXX card a while ago by XXXX XXXX. I ran into some personal problems and my account got closed. Some time later I paid a settlement sometime in 2018 and yet this is still appearing on my credit report. This is inaccurate and any help getting this resolved would be greatly appreciated
Consumer complaint received 2024-03-18
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)

Credit institution have taken multiple hard inquiry. 
XX/XX/XXXX XXXX Bank, XX/XX/XXXX Consumer Portfolio Service, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XX/XX/XXXX Regional Acceptance, XX/XX/XXXX NCC/Ed XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX.
Consumer complaint received 2023-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

How can a wire go through with an incorrect beneficiary name and address? 
The address used is a Bank of America address- why didn't this throw up red flags?

How was a wire to a Bank of America account rejected to my wife when I misspelled her name, but allowed to go through with a wrong beneficiary name AND address?

How is this criminal client of yours still allowed to operate these accounts? The ones mentioned previously. 
Why do you allow criminal activity within your institution? 
How was this criminal allowed to open a Bank account? 
In America when someone is convicted of a crime, other involved parties are charged as being an accomplice. Why doesn't this apply to banks who allow criminals to operate within their institutions and do nothing to correct the problem. 
Why are you protecting a criminal and refusing to pay me what is rightfully mine? 

Bank of America is protecting a criminal and has a criminal as a client. Their client hacked into my customs brokers email and changed his wiring information so that the money I sent from my XXXX bank would go to them. XX/XX/XXXX I unknowingly wired XXXX to this criminal and XX/XX/XXXX again {$14000.00}. 

I realized this was a mistake immediately after the last wire. A XXXX representative informed me that they would be able to pull the {$14000.00} back before it was fully processed. This was told to me over a recorded line on XX/XX/XXXX. It somehow still processed against what I was told. I filed a fraud claim and Bank of America is denying to give me the funds that were stolen from me. I also know for a fact through a recorded phone call that they were still allowing to let this criminal operate his/her accounts. I have filed police reports against the criminal as well as Bank of America for their lack of cooperation and the fact they have called me twice to tell me " I don't know ''. It was Bank of America that allowed this criminal to operate within their banking institution and it is Bank of America who needs to be held responsible for their lack of vetting their clients. I want to be reimbursed my {$20000.00} fully in a timely manner by Bank of America. If the tables were turned, I would be receiving letter after letter. The questions in the beginning of this statement are questions Bank of America will not answer because they have absolutely no clue because somebody knowingly allowed this criminal to open an account without proper documentation.