davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
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: Bread Financial Holdings, Inc. (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 
A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f )XXXX XXXX XXXX XXXX 260 F. Supp 2d 711 ( S.D. Ind. XXXX ). 


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.

I have not initiated any transaction with XXXX XXXX, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. 

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 



15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 



616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; PLEASE REMOVE THE FOLLOWING : 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 : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX Yours Sincerely XXXX XXXX
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BSI Financial Holdings, Inc. (NY)

I trust this letter finds you well. I am writing to bring to your attention an issue I have identified on my credit report pertaining to the reporting of late payments. After a thorough review, it has become apparent that there are inaccuracies in the representation of my payment history. 

I acknowledge that maintaining accurate and up-to-date credit information is crucial, and I am committed to ensuring the integrity of my credit history. However, I have identified instances of late payments on my credit report that I believe to be inaccurately reported. 

I kindly request that your bureau conducts a thorough investigation into these inaccuracies and, if necessary, corrects or removes the reported late payments from my credit report. It is important to me that my credit report accurately reflects my financial responsibility and standing. 

Enclosed with this letter, please find any supporting documentation or evidence that may assist you in your investigation. 

BSI FINANCIAL SERVICES XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or BSI FINANCIAL SERVICES customer service representative. 


I understand that the resolution of such matters takes time, but I kindly request that you expedite the process and provide a written confirmation of the corrections or removal of late payments from my credit report within [ reasonable timeframe, e.g., 15 business days ] from the date of receipt of this letter. 

I appreciate your prompt attention to this matter and trust that your organization will uphold the standards of accuracy and fairness in credit reporting.
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NY)

In XX/XX/XXXX, National Credit Systems submitted a collection item to XXXX, XXXX, and XXXX. National Credit claims that a balance of {$1200.00} was due to XXXX XXXX ( the original creditor included in the debt collectors submission to the credit bureaus ), however, no such account has ever existed with XXXX XXXX. 

National Credit System has sent a move out statement for an apartment that I lived in from XX/XX/XXXX to XX/XX/XXXX. There should not have been an outstanding balance due to my landlord ( XXXX XXXX XXXX ). A security deposit of {$2900.00} was paid on XX/XX/XXXX ( see page 29 of 73 ).
Consumer complaint received 2023-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwestern Health Management INC (MO)

The XXXX XXXX, XXXX XXXX, at the Center committed fraud. They were paid by XXXX XXXX XXXX XXXX years ago. They also charged for services that were non existent! They continue to harass! 
Have them stop harassing me ; and take off their wrongful charges of {$310.00} owed off my credit report. 

Bureau Name NORTHWEST FINANCIAL SVC Account Type Not Reported Original Len ... XXXX XXXX XXXX Responsibility Individual Age of Account 1 Year 8 Months Credit Limit Not Reported Highest Balance PAYMENT DETAILS {$310.00}
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2023 I had 4 unauthorized ATM transactions from my debit card. Totaling {$2100.00}. I called chase immediately and reported it and stated that my card was lost and they replaced the card and also I was told I would be credit for the unauthorized fraudulent transaction within 72 hours but they refuse to now every time I call they always say Tomorrow and Ive called multiple times and Ive yet to been credit and I need the money to be able to pay for my rent and my daughters day care!
Consumer complaint received 2023-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I'm a victim of the 2017 XXXX data breach my information was leaked on to the Dark web please delete the fraudulent accounts that we opened in my name Capital one {$440.00} capital One XXXX {$550.00} XXXX XXXX {$100.00} all within the 2017 data breach
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX {$760.00} Opened XX/XX/2022 XXXX XXXX XXXX I Amount XXXX Opened XX/XX/2022 These accounts were not opened by me
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MI)

XXXX XX/XX/XXXX my SAPPHIRE PREFERRED credit card ending in 6804 showed a transaction CREDIT BALANCE REFUND {$61.00}. Which means originally I had a credit of {$61.00}, and it was taken by the Chase bank for no reason as a charge in my account. 

I contacted Chase customer service phone line on XX/XX/XXXX, agent Cel female told me a check of the same amount was issued to me XXXX after an email was sent by Chase to me on XX/XX/XXXX about the transaction. Email address verified correct by this agent. However I never received any email nor check by chase. Even if an email was sent by chase on XXXX, it is after the money was taken by Chase. She provided check ID XXXX, and told me this could not be reversed and couldn't explain further why this happened. 

This is a misconduct by Chase, taken money away from clients for no reason with no communication is not legal. 

I would like to receive a full credit {$61.00} ASAP of my lost, and {$50.00} inconvenience credit. I would also like to receive a refund of my {$95.00} credit card annual membership fee paid XX/XX/XXXX.
Consumer complaint received 2017-05-28
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Solutions, LLC (KY) (TX)

Sectio n 392.101 of the Texas Finance Code pro hibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a  surety  bond and filed a copy of the bond with the Office of the Secretary of State.      CREDIT SOLUTIONS, LLC does not have a surety bond filed with the Office of the Secretary of State in TEXAS. All c ollection attempts must cease and information must be removed from credit report.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PROVIDENT FINANCIAL SERVICES, INC. (NJ)

First I opened account with XXXX XXXX and they were changed to Provident Bank. I was given a cash back account and after talking to reps on the phone and then going directly to the bank. I was told in order to get the cash back I have to have met the criteria of direct deposit, which I have. I spoke to XXXX at the XXXX NJ office and she said that doesn't make any sense she was going to look into she said that When I use my debit card I have to sign for purchases which I do.I spoke to the manager XXXX XXXX. Who reached out to her contact who said that I have to be enrolled in e'statements.which I have complied and it didn't work after numerous attempts and just here in XXXX I was still enrolled until the manager done it from her desk. Meanwhile XXXX XXXX referred my daughter to open a account with them and we were supposed to get a referral gift back of $ XXXXshe opened 2 accounts and on the site the referral is supposed to be in our accounts within 60 days. My daughter received the cash back rewards and so did my son. I was not treated fairly. For months I emailed Provident Bank about the referral and a man advised me that I will get it XX/XX/XXXX and I never received it.so I went to the bank spoke to XXXX again I showed her my proof of the awards and she called me back the next day and said that my daughter had multiple overdrafts and asked me my daughter 's name and then started discussing her account with me. My daughter went out there and proved that she never overdraft but the bank came up with another excuse. I also took out a heloc home equity line of credit and I used the account to pay my property taxes and my check was sent back to the tax collector saying that this account can't be found. This account has went from 3 % interest to 7.5 within a few months. I desperately need help.yes I have tried to resolve everything.
Consumer complaint received 2024-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

My family and I have been Wells Fargo customers since the late XXXX. We have several accounts with Wells Fargo. Our customer service experience over the years has been good at times and not so great at other times. It is our most recent terrible customer service experience that has me trying to get in contact with someone who can help us. 

On XX/XX/2024 I discovered that someone had stolen my daughter 's debit card and had been draining the joint account she and I share. Most of the withdrawals occurred on XX/XX/2024 and were labeled pending when I called Wells Fargo to alert them to the fraud and close her card. We went back over previous days and found that {$9800.00} had been stolen from our account. Over {$6500.00} had been stolen on XX/XX/2024, which was over the daily limit for the debit card, so I don't know why the bank even allowed those to go through. Since the thief was using an XXXX XXXX to get XXXX XXXX, the Wells Fargo Claim Advisor told us to call XXXX. XXXX was no help at all. We were also advised to file a police report, which we did that same day. Wells Fargo Claims told us we would be contacted for more information if needed. They never followed up to ask for the police report. I reached out to them after I received their denial letter and asked if they would open the claim up and accept the police report. They provided an email for me to send the police report to, and I've not heard anything further. 

The police said the process of getting XXXX to share information is a long one, but they have submitted subpoenas in our case. The detective thinks her card information was stolen at a gas station the night before all the fraudulent charges began. 

I was discouraged by the claims advisors on the phone, stating that it was unlikely that we would get our money back. My husband went in and spoke to a banker in a Wells Fargo branch and they assured us that we were protected against fraud. However, our claim was denied. Anyone can look at the account 's history and see that the activity was abnormal. I submitted the police report on the claim, hoping they will revisit the issue, but I'm not hopeful with the negative attitude I get from all the people I speak with in the claims center at Wells Fargo.

This issue will be resolved to our satisfaction when 100 % of our {$9800.00} has been refunded to our account.
Consumer complaint received 2024-03-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (FL)

Car was repoed after asking company with help with financial assistance. Company said they could not help and that I would be financially responsible. Car was auction and I did not received a pre-sale letter before Car was auctioned.
Consumer complaint received 2023-02-10
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. (TX)

FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violation : auto loan not mine XXXX XXXX {$200.00} FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : other loan not mine XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXXXXXX {$850.00} XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine XXXX {$690.00} XXXX {$960.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1300.00} XXXX XXXXXXXX XXXX {$430.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (CA)

-Received collection notice on XX/XX/XXXXXXXX  for {$4000.00} -Debt is connected to a XXXX account that was opened fraudulently in my name -Contacted XXXX on XX/XX/XXXXXXXX  who opened a case and put hold on account. XXXX claimed they would contact me back within 72 hours and have yet to do so -Contacted American Coradius International ( debt collector ) who returned debt back to XXXX . 
-Filed police report with local Police Department on XX/XX/XXXXXXXX  -Contacted XXXX on XX/XX/XXXXXXXX  who refused to share information on who at XXXX was handing the fraud case, and turned me towards local police department for investigation. 
Contacted local police department on XX/XX/XXXXXXXX  who said they would not investigate and no ability to contact XXXX XXXX allowed someone to open an account in my name without checking my identity or credit. XXXX then allowed banking transactions to flow in and out of the account and will not provide any detail to investigate or allow me to access their investigation teams to resolve.
Consumer complaint received 2019-12-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Manley Deas & Kochalski LLC (IL)

I did present ny Motion to quash  on XX/XX/XXXX : plaintiff did not sed me a NOD notice of Default and Due to lock of Process of Service. 
I Never was peesonally served since we both defendants were wor king on XX/XX/XXXX @ XXXX see Exhibit A. XXXX XXXX from XXXX XXXX XXXX XXXX XXXX lic # XXXX, being first duty sworn on Oath depose and say the following : Defendant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX on XX/XX/XXXX @ XXXX I served the whitin named defendant personally see Exhibit D I was working at that time .also Defendant XXXX XXXX see Exhibit A How cone XXXX XXXX sowrn on Oath if we never signed summons and complaint also we both never were personally served. 
The judge denied ny mition on XX/XX/XXXX he gave me til XX/XX/XXXX to answer to include an affidavit to support my Motion to Quash  because no Proper Service and after I did answered on XX/XX/XXXX provide an affidavit plus proof XXXX XXXX Job Leter oroof of he was working all day see Exhibit A. 

judge Finally denied motion to quash  anyways. 
I am facing an Auction in XX/XX/XXXX.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-02-09
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. (IN)

I have been a victim of identity theft. I have tried to resolve this issue repeatedly, and now this has been transferred to another company. XXXX Also In accordance with the Fair Credit Reporting act XXXX Account Experian/XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I am not nor giving permission to furnish these fraudulent accounts.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Self Financial Inc. (MN)

The following transactions listed on my Self Credit Card Account # : XXXX is unauthorized and unrecognizable charges : XXXX, XX/XX/2023, XXXX, XX/XX/2023, {$10.00}, XXXX XXXX XXXX, XX/XX/2023, {$10.00}, XXXX XXXX XXXX, XX/XX/2023, {$36.00}, XXXX XXXX, XX/XX/2023, {$25.00} and XXXX, XX/XX/2023, {$45.00}
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2019-12-09
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit reporting act XXXX Capital One Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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 1666B A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason