davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc. (NY)

I am facing financial harassment and severe damage to my credit due to actions by the debt buyer CREDIT CORP SOLUTIONS INC, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, regarding an alleged debt from XX/XX/XXXX. They are deliberately communicating with credit reporting agencies to harm my credit, which is negatively impacting my low-income family 's ability to thrive, particularly as a XXXX individual. It's important to note that federal laws, including the XXXX  with XXXX XXXX and the XXXX XXXX, provide protections for qualified individuals with XXXX. In addition, under New York law, the statute of limitations for consumer debt is 3 years. This means that creditors or debt collectors have a maximum of 3 years to attempt to collect on an unpaid debt or initiate legal action. Once this time period has lapsed, the debt is considered time-barred. The New York Consumer Credit Fairness Act ( CCFA ), which came into effect on XX/XX/XXXX, governs such limitations. It applies to both original creditors like credit card companies and debt collectors. Amendments to the New York Civil Practice Laws reinforce these regulations. Importantly, once the statute of limitations has expired, it can not be reinstated or extended, even if payments are made or acknowledgment of the debt is provided. For debt buyers and collection agencies to pursue legal action, they must demonstrate ownership of the debt and the right to sue for its collection. This entails providing a complete chain of custody for the debt, even if it has been transferred through multiple entities. Failure to prove ownership will result in the dismissal of the case. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my horrific experience.
Consumer complaint received 2022-04-21
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. (NV)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX Account : XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX
Consumer complaint received 2021-02-19
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My problem is not that the original issue was not accurate, my problem is that the reporting agencies ( XXXX, Transunion, etc. ) tend to keep issues on the credit report longer than is necessary. While for Bankruptcy, it does indicate 7-10 years, I find it significantly detrimental to the individual that negative public records are not removed at the earliest convenience, particularly if, in fact, the idea is to improve the financial welfare of not only the individual but the country as a whole after having " served our sentence ''. By keeping these negatives, they are punishing, not reporting.
Consumer complaint received 2022-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO W

HOM 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possib
le.
Consumer complaint received 2019-11-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC (CO)

I have disputed the debt with ATG credit several times and requested from the company directly and the credit bureaus an original contract containing my signature. Neither ATG credit nor the credit bureaus have provided this. They are attempting to collect on an invalid debt and damaging my credit in the process.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CO)

My wallet was stolen and I reported my card stolen to Ally Bank and they confirmed the card would be cancelled. They then waited over XXXX minutes before canceling the card resulting in over {$2000.00} in fraudulent charges from my account. While speaking with them XXXX, a call center supervisor, confirmed the transactions took place after my request to have my card cancelled and that my only option was to allow the transactions to settle then to dispute them then. I am now without money to pay my rent or other bills because of their negligence.
Consumer complaint received 2022-10-14
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. (GA)

Im report some fraudulent inquiries on My consumer report that was never authorized by me here is a list of inquiries I never authorize Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I recently reviewed a copy of my credit report. I was Shocked to learn that I have been a victim of identity theft. I found numerous accounts and inquiries on my credit report that were not open by me. This has been hurting me as I am in the process of getting a home for my family. Please remove the fraudulent accounts and inquiries from my credit report as soon as possible.
Consumer complaint received 2022-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Smith & Smith Investors LTD (IA)

I paid an outstanding debt to XXXX XXXX on XX/XX/XXXX. They turned me over to collections unbeknownst to me on XX/XX/XXXX. The collection agency is Hawkeye Adjustment. Hawkeye reported the debt as in collections on my credit repot as of today, XX/XX/XXXX. I called XXXX XXXX and had to leave a voicemail. I then called Hawkeye. They put me on hold, came back on the line, and said, " Oh yeah, you did pay it, they ( XXXX XXXX ) just forgot to tell us. '' I said I wanted my credit report fixed immediately. This is damaging to my credit and it should be fixed immediately as it was not my fault. Hawkeye said they will " try '' to fix it today, otherwise, it won't be updated until XX/XX/XXXX. So now I'm stuck with a collections notice on my credit report because XXXX companies apparently can't talk to each other.
Consumer complaint received 2022-04-21
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. (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. XXXX Account # inquiry / date : XXXX XXXX XXXX XXXX inquiry/ date ; XXXX XXXX XXXX XXXXXX/XX/2022, 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 2022-04-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (NJ)

I recently received my credit report in order to apply for a mortgage. There were numerous medical collections from a company called Radius Global Solutions. I had never received a letter or phone call from this company and had no idea this debt was out there. I contacted them and paid all of the invoices they had on file, there were XXXX. I asked them to also make sure they would remove this information from my credit history. They refused. No explanation as to why they needed to continue to report this information. They were not interested at all in helping me.
Consumer complaint received 2016-06-10
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY (TX)

I received a letter on XXXX XXXX that was dated from XXXX XXXX from Wells Fargo. It stated, " we reviewed and found an unusual volume of purchases and/or payments made using this card. '' And it continued to say, " if it continues beyond the receipt of this notice we will close your account and your rewards balance will be forfeited. '' I completely stopped using the card altogether. At this point, I had {$3500.00} in rewards that were earned during this billing cycle and I did not want to risk losing them so I did not use the card again. My credit card balance was more than {$24000.00} at this time with a total limit of {$25000.00}. I was basically maxed out and absolutely needed to make a payment so I did not risk adverse action from other creditors if I allowed the total balance of {$24000.00} to report on my credit reports. So I made a payment to get the balance down and this payment was the only activity on the card after receiving the letter. 

Wells Fargo closed my account anyway and I received a letter dated XXXX that stated, " per the warning notice we sent, we closed your account on XXXX. You can no longer make transactions with this account and your rewards balance has been forfeited '' Wells Fargo clawed back rewards that I earned legitimately after sending out a warning letter, to which I obeyed, and cited the warning letter as the reasoning behind the closure. 

I have read some of Wells Fargo 's responses to other complaints and Wells Fargo does not need to inform me that my CURRENT rewards balance is {$0.00}. I know that it is {$0.00} as of today. It was {$3500.00} before my account was closed and Wells Fargo forfeited them.
Consumer complaint received 2022-11-07
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. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2022-04-21
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: Experian Information Solutions Inc. (PA)

I have pulled my Credit report and seen inquires I don't recognize or authorize!! 

XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX
Consumer complaint received 2022-04-21
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: Resurgent Capital Services L.P. (FL)

On XX/XX/2022, LVNV Funding LLC added a derogatory mark on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX. After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX at XXXX XXXX XXXX, I bought a pack of cigarettes at the XXXX XXXX XXXX XXXX XXXX XXXX ), located on the corner of XXXX XXXX and XXXX XXXX XXXX. The cashier told me he was charging me {$9.00} and I paid using my debit card and pin. 

The next day, XX/XX/XXXX, I noticed that I had been charged {$580.00}. I immediately issued a claim with my bank ( Chase ) to dispute the charges amount. I was temporarily refunded my money and was instructed to discuss the claim with the vendor directly while the investigation was underway. 

I immediately discussed the charge with the cashier that had overcharged me. The cashier agreed that the charge was incorrect, but told me to work with my bank to have it resolved. I continued to wait for results from my banks investigation. 

On XX/XX/XXXX, the refund from Chase was taken back from my account. On XX/XX/XXXX, I called Chase and they informed me that the dispute had been rejected and that I had to take up the dispute with the vendor due to the fact that a debit card had been used in-person. After discussing the dispute directly with the vendor again on XX/XX/XXXX, I was told that the vendor did not have records dating back to XX/XX/XXXX and that I need to dispute the charge with my bank instead. I spoke with Chase again today, XX/XX/XXXX, and was told that I should continue disputing the claim directly with the vendor. 

I would like to initiate an investigation into this fraudulent charge of {$580.00} in which I should have only been charged {$9.00}.
Consumer complaint received 2022-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

On the XXXX of XX/XX/2022, I received an email from PayPal that my account is going under closure, first i thought this was a fake email but when i logged into my account it was actually real. They are telling me that my account is closing from the vague reason of violation of PayPal 's Acceptable Use Policy. What i did first is messaging them on the paypal website and asking for a more specific reason, first I received an automated message which i responded to so a person can answer me. The second answer i think it was by a person but it wasn't telling me why my account is closing, just that my account was reviewed and they think it should be closed. I replied to that answer again and told them what i am using PayPal for and ask them again the reason why i was permanently limited. They simply answered that the decision can not be overturned and that my funds will be frozen for 180 days. I called them on XX/XX/XXXX and explained to them again what I use PayPal for and they issued a new revision for my account which i never got an answer for after 72 hours of waiting. I use PayPal to sell digital products/goods. I am a developer and I create plugins/scripts which are digital products, then I sell these products on a marketplace. I can give all the info on my products and the Marketplace that I am using if needed but PayPal never asked for that before closing my account. I was using my PayPal account for about 2 years and I had no disputes over this time period, the account was verified and I gave all my personal information when I created it as well as added my credit card & bank account. I am really worried now that I'll never get access to my balance that was frozen, I have XXXX $ which i can not access. I need this money to pay my bills and my life expenses and can not wait 180 days to have it back. For 3 days I have been stressed and couldn't sleep & eat.
Consumer complaint received 2024-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year>, I got a text from Wells Fargo that claimed my account had been hacked and someone was trying to take {$13000.00} out of my account. I told them that I was not aware to which they called me from the Wells Fargo number and advised that I close my account ASAP and they set up a new one with me. Rushing me because I had no idea how this could happen, they transferred me over to someone else and told me my new account number. I didn't know anything about wire transfers and never used XXXX, none of that. they told me my new account number and I wire transfer two different amounts. One at {$2800.00}, the other at {$6600.00} which I found out was person in Florida named XXXX XXXX. Once my roommate told me something didn't seem right, I hung up and called the same number on the back of my debit card and told them I thought I was cammed, and the person who I spoke with instantly told me I was. Weird, since they didn't have all my info yet. I watched it pending for the majority of the day, which I called to tell them immediately after the call. the transaction eventually went through the next day. I called Wells Fargo again to get this fixed, and of course, there is nothing they can do. I filed a report to the police and submitted my stuff to the FBI as well. All my accounts have been closed and they issued me a new account. I have talked to managers there and something just doesn't seem right with that company. After reading about wire transfers, they should have stopped the initial transactions.
Consumer complaint received 2022-04-21
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. (MI)

According to Federal Law, the below accounts have violated my rights and I am preparing to take legal action : XXXX {$1500.00} XXXX XXXX {$300.00} Dept of EdXXXX {$80000.00} XXXX XXXX {$500.00} 15 U.S.C. 1681 Section 602 A states that I have a right to privacy.

15 U.S.C. 1681 Section 604 section 2 states that a consumer reporting agency can not furnish a report without my written instructions. 

I am preparing to take this to a small court and recover damages. Also, XXXX and XXXX have removed these accounts. I have attached supporting documents. The Fair Credit Reporting Act states that all reports must show the same accurate information across any profile.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

Wrong addresses and phone numbers on report. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Please provide a 1099 if the account has been charged off and all statements with my full name XXXX XXXX XXXX XXXX and address that is on my drivers license and birth certificate, if you can not provide this please delete from my credit report.
Consumer complaint received 2023-10-21
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. (TX)

I recently reviewed a copy of my credit report. I was Shocked to learn that I have been a victim of identity theft. I found numerous accounts and inquiries on my credit report that were not open by me. This has been hurting me as I am in the process of getting a home for my family. Please remove the fraudulent accounts and inquiries from my credit report as soon as possible.
Consumer complaint received 2017-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (IL)

Information was placed on my credit file on or about X/XX/2017, related to an unknown account. The information is incomplete and fails to conform with the laws related FCRA. 
No notice was given prior to listing, a clear violation of the FDCPA. I have disputed this with the credit bureau and await the resolution.