davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Orions Management Group, LLC (SC)

Orions Management Group LLC sent me a collection letter on XX/XX/XXXX stating I owe a debt. I send a certified verification letter ( see attached ) on XX/XX/XXXX. They received my request on XX/XX/XXXX as it was signed for. I allowed 30 days for a reply. With no reply I sent another certified letter on XX/XX/XXXX stating per the FCRA gives companies 30 days to respond and as of that day I have not received anything so they needed to cease with collectors actions. They did not follow FCRA rules to verify my account. On XX/XX/XXXX they sent me a letter with a statement. This did not verify that the account was mine. I wrote to them asking for detail proof and a contact with my signature. This was not provided. XXXX. stated this account was charged off back in XXXX. South Carolina has a 3 year statute of limitations. its actually illegal for a debt collector to attempt to collect on time-barred debt. Unless XXXX  can prove a copy of the original agreement with my signature, please cease and desist with collection.
Consumer complaint received 2022-12-16
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. (CA)

I am victim dentity theft. I was notified of my name in the XXXX XXXX XXXX and Equifax data breaches. I filed a claim with Equifax and waiting on XXXX for their litigations to start. 
I have sent in letters, called and went online to dispute and say these accounts are not mine. 
XXXX XXXX fraudulant and was connected to a fraudulant address, was deleted of my account, then it reappeared again. 
Now I have to send in another AFFIDAVIT due to the credit bureaus incompetence and incomplete info. 
According to FRCA I have right to fair and accurate reporting on report. 
U.S.C 1681 ( a ) ( b ) ( C ) ( i ) my rights have been viloated and I would like this inaccurate accounts and not mine off my report. 
XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXXXXXX {$120.00}
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I have a late payment on my credit report that is inaccurate I sent letters out to the credit bureaus concerning this inaccurate information. They refuse to update the late payment. The only late payment is showing on experain the other XXXX  and XXXX  does not report the payment late. 

XXXX XXXX XXXX reported on { XX/XX/XXXX XXXX } your company furnished a transaction as Late to Experian. 

15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with your company by law are excluded from my consumer I need this transaction or experience deleted from my consumer
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Consumer complaint received 2022-05-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

Money transactions with Zelle via XXXX XXXX XXXXXXXX, reported as Business Under False Pretense / Fraud. The check ( s ) the employers provided have been termed fictitious by the bank ( s ) involved and subject to chargeback ( s ).

The recipients received money as contractors for Equipment and Softwares to supply me, a New Hire, with an Employer Qualified Home Office. The company name and activity was/ is noted/ memoed on the transactions. ( Business Name, Reason, Item ) No goods or services have been received to now, and delivery tracking was promised by the authorizing party for an approximated date : XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-05-22
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. (SC)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2022-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

SO! I was approved instantly for the Capital One Venture X Card with a sign up bonus etc a short while ago. I got the card sent to me in the mail, and immediately had my account restricted. 
I spent time to call Capital One ( multiple times ), and they explained to me, that even though i was approved, ( AND ofc provided a social for them to run a check etc. in the card application ) and even though i received the card in the mail, they needed my last 3 BANK STATEMENTS to prove my income. 
So, with no choice, I spent the time to upload them, and had to wait 7-10 business days for an update. ( I was hoping to use the card in the meantime for travel benefits etc. ) ANYWAYS, after a full 10 days and no change, I called Capital One, only to find out that my account had been closed. That means a lot of wasted time till now. Roughly 10 hours total unfortunately. 
In any event, HERES THE KICKER!!! 
They are asking me to pay the XXXX $ card fee!!!! I have a statement that came in the mail today saying that I need to pay XXXX $ by the next billing cycle for a card I WAS NEVER ABLE TO USE! and XXXX $ due balance. 
SO, I called capital one, and predictably they said that since the account is closed, they cant see into it. 
I now need to speak to a manager from capital one who maybe can help me.. 

-Note- This was about a month ago. 
About 2 weeks ago, I got a bill in the mail for the XXXX $ annual cardholder fee. and that i need to start paying interest on that balance. 
This is crazy. They're charging me for a card I never was able to use.
Consumer complaint received 2022-05-22
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account name XXXX DEPARTMENT STORE Account # XXXX Account name XXXX XXXX XXXX ( Account # unavailable, only XXXX  account on my report ), 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
Consumer complaint received 2022-05-22
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish a account without my written Instructions. 

15 USC 1666B : A creditor may not trash a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-01-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc. (NV)

My Wife and I filed chapter XXXX bankruptcy on XX/XX/XXXX. We included our property XXXX XXXX XXXX XXXX XXXX XXXX , Nv XXXX in the chapter XXXX. The bankruptcy discharged on XX/XX/XXXX Approximately XX/XX/XXXX I finalized surrendering the property to XXXX  XXXX XXXX, because they wouldn't take it out of my name. I requested my credit reports on XX/XX/XXXX. I found that XXXX XXXX XXXX and Caliber homes loans were both reporting adverse and derogatory late payments to all 3 of my Credit reporting agencies. 2 Died in Lieu 's for the same loan. I disputed the both to lines of negative lines to all 3 Credit Agencies on XX/XX/XXXX & XX/XX/XXXX via phone, electronic & written mail with supporting document. They will not remove either line off my credit report. I can send the full bankruptcy filing upon request ( 72 pgs ). Pertinent docs include on attachment 1.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

My attorney subpoenaed Wells Fargo on XX/XX/XXXX, for bank records of Safety Deposit Boxes that were closed on XX/XX/XXXX as per a customer visit summary depicting that a non account owner accessed and closed boxes. After XXXX and a half months Wells Fargo declares that the records can not be found on boxes as to how they were accessed or closed. XXXX box completely missing all records 5 months after closure, XXXX box missing records on how accessed and closed.
Consumer complaint received 2023-09-14
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. (AL)

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


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

There is a dispute regarding my account XXXX XXXX XXXX XXXX. The reasoning for this letter is, I have been charged twice in my account as you can see in the following statements. 2 days before my auto payment, I paid the full statement amount of XXXX cents as of XX/XX/year> with my XXXX debit card, the reference number is ( XXXX ). 2 days later, debited from my auto payment XXXX dollars from my XXXX XXXX  account, Reference number ( XXXX ). I found it not correct because I have paid the statement amount in full as of XX/XX/year>. XXXX. I contacted XXXX XXXX XXXX XXXX XXXX in regards to the auto payment of XXXX dollars, and the representative stated the error made by the shop your way master card system and acknowledged the mistake made from their side. The representative advised me to contact my bank XXXX XXXX  to reverse the auto payment because I had already paid the amount in full 2 days before the autopayment was scheduled. I then realized the following month XXXX XXXX is charging me the reverse payment of XXXX dollars in my account statement. I have called XXXX XXXX in regards to this matter and spoken to XXXX in regards to this matter.
Consumer complaint received 2022-05-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Dispute Department XXXX XXXX XXXX XXXX, XXXX, PA XXXX To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also enclosed copies of the Federal Trade commission identity Theft Affidavit. Please Delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 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. 



It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items as soon as possible. 



Fraudulent Accounts BK Of AMER XX/XX/XXXX Amount : XXXX Account Number : XXXX Fraudulent inquires XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-22
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. (NY)

1. in accordance with the fair credit reporting act XXXX Account XXXX XXXX has violated my rights.

2. 15 u.s.c 1681 section 602 a. states ihave te right to privacy. 

3.15 u.s.c 16 section 604 a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX # XXXX
Consumer complaint received 2022-05-22
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. (NY)

XXXX is reporting a fraudulent account and charges on my report cause a profound effect to my credit score thru no fault of my own. 

I'm including a FTC report along with a bank statement and my XXXX ID to provide my identity.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

I'm trying to buy a house. I'm supposed to be out of my current XXXX Within 2 months. My mortgage broker called and told me that all of my XXXX  accounts were reporting me as 90 days late, for several months, and consecutive months, over a year. I had contacted XXXX several times for more than 2 years, trying to get my loans out of deferment, and set up monthly payments of {$50.00}. I would say to each person that times are hard during Covid, and that was all I could afford. Each person that I talked to would " counter offer '' me. Things like, " looks like we could set that up for {$75.00} per month, could you manage that? '' Or, " we can get a payment plan set up, but we are going to need it to be at least {$100.00} per month, any way that you could do that? '' Things like that every time. I would ask to speak to someone else. More times than not, the person on the phone was speaking " broken to very broken '' English. Having a language barrier during these conversations did not help matters. I was told that i need to go to their website and/or download their app. I would explain that I don't have a computer, I check my e-mails about once per month and mass erase XXXX XXXX at a time, I'm not a technical person, at all, and my phone is used for calls and texts. I just wanted to talk to a person to get this set up. I find it very hard to believe that there isn't anyone on staff, that I can give information to, and ask any questions that I may have of them regarding loans. I actually asked at least one of them, " why would you turn someone away that is trying to give you money every month? '' The last conversation was some time last year. Then I started hearing that all student loans were being " frozen, '' where payments and accruing interest were being paused. I was keeping up with all of the date extension, so that when it was over, I could try again. Mostly hoping that they would be happy to take my {$50.00} per month, since they hadn't been getting any money form anybody. I find out this morning from my mortgage broker that my credit score was horrible, and the only reason is XXXX They reported to the credit agencies 90 days late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. If student loans are " frozen, '' then they should not be reporting any negative payment activity, definitely XXXX late payment reporting and destroying peoples credit, goals and life.
Consumer complaint received 2022-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

This complaint is due to me being a victim of an unauthorized money wire transfer. A money transfer to place on XX/XX/2022. Money was taken from my Citibank savings account, moved to my checking account and withdrawn from my account, this happened in two transactions which equally {$14000.00}. This happened without my knowledge or agreement. It was completely unauthorized by me or my daughter who is also on the account. An investigation was initially completed and Citibank cited that they were not going to return the money that they failed unlawfully protect and released. I am being victimized again. Citibank has taken no accountability for what they permitted t happen against me and I am being penalized for it. This wrong doing has uprooted my life and has left me unable to pay my bills. I am praying that something can be done as soon as possible and my money can be returned to me.
Consumer complaint received 2022-05-22
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2022-05-22
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. (TX)

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

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish a account without my written Instructions. 

15 USC 1666B : A creditor may not trash a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-05-22
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. (LA)

In accordance with the Fair Credit Reporting act XXXX Account 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 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