davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-03
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: SCA Collections, Inc. (CA)

1 ) " XXXX XXXX '', ( Transferred to ) >>> '' SCA COLLECTIONS INC. '', XXXX XXXX XXXX XXXX XXXX, XXXX, NC.XXXX. 
XXXX XXXX XXXX XXXX. 
THEIR CLAIM OF {$340.00} IS FRAUDULENT. THE REAL AMOUNT WAS MUCH LOWER WHICH REFLECTS BLOOD TEST AT " XXXX XXXX '' AND WAS PAID BY MY INSURANCE " XXXX ''. DOCTORS AND LABS OBTAIN AN INSURANCE APPROVAL BEFORE DOCTOR 'S VISIT AND LAB 'S TEST. 2 ) " XXXX XXXX XXXX '', ( Transferred to ) >>> " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '', XXXX XXXX, XXXX, SC.XXXX, ( XXXX ) XXXX. THEIR CLAIM OF {$870.00} IS FRAUDULENT. THE LINE OF CREDIT OF THE VISA THAT WAS ISSUED BY " XXXX XXXX XXXX '' WAS {$450.00} AND I NEVER USED THE WHOLE AMOUNT. I DECIDED TO TO PAY THE BALANCE {$220.00} AND CLOSE THE ACCOUNT ON XX/XX/2017, BECAUSE " XXXX XXXX XXXX '' STARTED TO INCREASE THE INTEREST RATE TO 30 %, EVEN THOUGH UNTIL XXXX I DID ALL PAYMENTS ON TIME. I FILED MULTIPLE REQUESTS FOR INVESTIGATION WITH XXXX, XXXX, XXXX. ONLY XXXX HAS REMOVED BOTH FRAUDULENT ITEMS FROM MY CREDIT REPORT. PLEASE USE YOUR INFLUENCE AND YOUR INVESTIGATION OBJECTIVELY SO THAT XXXX   AND XXXX REMOVE BOTH FRAUDULENT ITEMS FROM MY CREDIT REPORT, IF YOUR DEPARTMENT IS REALLY ABOUT CONSUMER PROTECTION AND NOT CORPORATE PROTECTION AND SUPPORT ( XXXX XXXX STYLE ).
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My checking and saving Account is in Bank of America. My account is locked and when I approached to BANK they said there is wrong cheque was made with my account. I don't know how it happened. I tried to request them but they said your account will not reopen in BOA. Please help me
Consumer complaint received 2022-05-20
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. (TX)

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Collection account. {$370.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Account charged off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-02-16
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: Experian Information Solutions Inc. (MA)

All sensitive financial documents and identifications have been stolen. This includes passport, license, and SSN. Also deed to my home has been taken. I am being proactive on information being used fraudulently. I am concerned that my wife may have shared the information due to having an affair. She has handled money and accounts online and has had access to all my passwords and usernames. I am ensuring nothing happens moving forward.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 Account Number : XXXX and 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 2022-05-20
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. (FL)

The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, the Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting inaccurately on my report : XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX : {$810.00}
Consumer complaint received 2022-05-20
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: LEXISNEXIS (NC)

LexisNexis sold public record information regarding a chapter XXXX bankruptcy to the consumer reporting agencies without my written consent. Since then XXXX, XXXX, and XXXX have published this to my consumer report without my permission and have used to it against me hurting my ability to obtain credit. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have contacted the courts and they reported back that they do not furnish this information to the consumer reporting agencies. I have also contacted XXXX  and they too reported that they only house court documents but do not furnish any information to the consumer reporting agencies. I have also spoken with XXXX, XXXX, XXXX and they all reported that LexisNexis is the one who supplies them with the information on public records.
Consumer complaint received 2023-08-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LOBEL FINANCIAL CORPORATION (CA)

i just informed Lobel Financial by mail of their violations in Federal Truth-in Lending disclosure retail installment loan that was PAID IN FULL by my credit transactions finance charge pursuant to 15 USC 1605 . By use of my social security number { credit card 15 USC 1642,15 USC 1602 } As well they are in violation of 15USC 1635,15 USC 1666,15 USC 1611,15USC1640,15 USC 15,15 USC 1692k { 5 } and 29 USC 1109 .
Consumer complaint received 2022-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (GA)

I have not ever done any business with this company and dont have any business with them.Ive asked that if they find me error that they send me a contract bearing my wet signature. This company is in violation of the fair credit reporting act. I want them to stop reporting negatively on my credit report.
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc. (OR)

MyPrepaidCenter.com card states that funds do not expire, but the valid thru date has expired. The companys phone number and website do not give option for replacing the card or closing the account and receiving balance through the mail. There is no option to speak to someone directly. I have tried to use the card for online purchases previously and it was denied. This company ( I have a current balance of {$180.00}. This card originally was a {$200.00} card, so I have somehow been losing money without being able to access the balance.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry ; XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I settled a debt on XX/XX/19. I got an email stating it would be deleted from the bureaus in 30 days. When I called on XXXX stating that the amount was settled, no one could inform me if or when the deletion request was sent and I was told to dispute it with the credit bureaus to delete the account. The bureaus solely updated it and made no changes. Today is day XXXX. Now Im told because I disputed the account, that held up the process of deleting- something I was told to do.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IN)

On XX/XX/2023 I digitally deposited a government check in the amount of XXXX XXXX 

As of close of business on XX/XX/2023 they still have not given me any of the funds. 

Upon calling them they refuse to recognize government checks are not subject to holds past one business day. 

They also refuse to recognize their own policy that states that government checks are not subject to holding past one business day regardless of if you are a new account holder or not.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (MD)

XXXX opened an account with Fortiva without my consent. We were told the fee for the equipment would be added to our XXXX account, and they will be opening a credit card exceeding the card amount, ultimately hurting my credit.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-20
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.

| 15 U.S.C 1681 section 602 A. Stales 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 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. 

XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Management Recovery Corp. (NMRC) (AL)

On XX/XX/2022, I received a call from XXXX XXXX XXXX XXXX in Texas. A man called ( identity himself as a law XXXX ) and told me he was attempting to serve papers, but he could not locate me. I told him I had sold the home and moved out of state, so he gave me the phone number and the affidavit number to the company that had filed against me. I called them, and I was told they had filed a criminal intent to fraud against me, and if I did not pay over {$2000.00}, I would have to go turn myself in my local county sheriff 's office. I panicked because I really thought it was legitimate since XXXX XXXX shows up on my caller ID, and I researched the number and it was correct. She the told me I could pay {$900.00} and make payments on the rest. I borrowed the money from my parents, and gave them my debit card information for the payments. Isn't impersonating a law official a crime? I called XXXX XXXX XXXX XXXX today, and they informed me they NEVER had any papers to serve me ( criminal oe civil ). I also want them to refund the money back to my parent 's debit card. The original debtor was XXXX XXXX XXXX and the debt collector is National Management Recovery Corporation ( NMRC ). I have attached a file showing the call from XXXX XXXX and the call I made directly to their number 3 minutes later.
Consumer complaint received 2022-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NY)

In XX/XX/XXXX, just days after my registered Venmo, they emailed me that my account has been frozen due to recent activity that appears to be a violation of our User Agreement. And they asked me to upload my photo ID ( and I did ), but today they said my account has been permanently deactivated! And in my account there are still {$500.00} but I can not get back to my bank account and Venmo said they can not do anything about it! And they also havent telling me why my account has been frozen. Now I dont care about the account but I just want my money back!
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MI)

On Tuesday, XX/XX/2022 at XXXX, I received an email from Wells Fargo claiming they had received my application for a Wells Fargo Everyday Checking account and that the application had been approved. 
I do not do business with Wells Fargo. I had not requested a checking account with Wells Fargo. 
Immediately following this, I received another email from Wells Fargo at XXXX, giving me an access code to track my application. 
I do not do business with Wells Fargo and had not requested a checking account. 
Immediately following this email, I received another email at XXXX from Wells Fargo indicating that the application submitted for a new Wells Fargo account had been approved. 
I do not do business with Wells Fargo and had not requested an account with them. 
At XXXX, I received another email from Wells Fargo re. : accessing my new account disclosures electronically. 
I do not do business with Wells Fargo and had not requested an account with Wells Fargo. 
Immediately following this email, at XXXX, I received another email from Wells Fargo asking me to complete my Wells Fargo Online enrollment. 
I do not do business with Wells Fargo and had not requested an account with this company. 
On XX/XX/2022 at XXXX, I received my final communication from Wells Fargo informing me that my contact information had been updated. Included in the email was a partially obscured email address and a partially obscured phone number neither of which were my current or former email addresses or phone numbers. 
it was evident that an online checking account had been opened with my name and my social security number fraudulently. 
I
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am rewriting to express my concern and resubmit this complaint to EXPERIAN regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, EXPERIAN will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I asked the credit bureaus to do a thorough research of my credit reports due to me being a victim of trafficking and they did and stated that everything was accurate and said that they don't believe I sent the letter in myself and then I did a thorough research myself and I found inaccuracies on my report even after they did their research.

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

605C of the Fair Credit Reporting Act.

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