davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I would like these items removed from my credit reports because I am a victim of identity theft.I noticed several inquires on my credit report that I did not authorize. 

Inquiry # 1 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 2 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 3 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 4 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 5 XXXX DATE : XX/XX/XXXX Inquiry # 6 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 7 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 8 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 9 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 11 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 12 XXXX XXXX   DATE : XX/XX/XXXX Inquiry # 13 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 14 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 15 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 16 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 17 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 18 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 19 XXXX DATE : XX/XX/XXXX Inquiry # 20 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 21 XXXX XXXX DATE : XX/XX/XXXX INQUIRY # 22 XXXX   XXXX XX/XX/XXXX
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a dispute for unauthorized charges on my debit card while I was out of the country in XXXX. The dispute was denied. I was told because I had used the card after the charges, however that was on XXXX, not the actual card, prior to discovering any fraud.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

Comenity Capital Bank really needs to be investigated & held accountable for the outright misappropriation of credit card customers and their finances. This 'bank ' schemes to deceives honest, hardworking individuals. 

Most recently, the fact that this institution only recently began accepting automatic payments for some of its store credit cards is proof that they designed a system to fail the consumer. Attempted numerous times to establish auto payments with Victoria Secret & XXXX XXXX XXXX cards only to find out the Comenity Capital Bank system never properly established these payments, even though I received confirmation that these automatic payments were successfully established. This results in numerous late charges and fees assessed to the store credit card accounts, no available credit and a significant credit score drop due to these errors. 

The FTC should hold these institutions accountable.
Consumer complaint received 2021-05-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have summited on the last complaint three account that PORTFOLIO RECOVERY is collecting. From their response from my letter they ONLY responded to two of the account. The account number XXXX I never received anything. Also on the response that they uploaded to CFPB they did provided paperwork but one of them is from XX/XX/XXXX and XX/XX/XXXX was sent to XXXX XXXX XXXX  which I have stopped doing business them at least two years ago. Since I never received anything for this account XXXX PLEASE delete this tradeline from all three credit bureaus. I am going to attach the letters that i sent them also the response i received from them in which case their is no response for account XXXX. They have my correct address since they send me a letter with no information I requested to validate the account that they are collecting on.
Consumer complaint received 2022-04-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Synchrony bank has charged my account erroneous late fees although my payment was submitted. They have also changed my monthly payment due to {$69.00} when the agreed minimum payment per month s contracted with through XXXX was {$40.00} per month.
Consumer complaint received 2022-04-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (ND)

I have a credit card account they have sued me for a judgement back in XX/XX/2016and now reporting it on my credit report. Is it ok to report the original debt on my credit and also have a judgement with fees and other charges on my actual credit report. If I pay off how do I get a resolution to the judgement? XX/XX/2016
Consumer complaint received 2023-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America, XXXX XXXX and XXXX still harassed me about these accounts. Sent my personal info to another company to harass me for money not owed. These actions indanger my welfare and wellbeing of my family. Due to 15 USC 16G Law all negative items on my credit report are to be removed immediately.
Consumer complaint received 2022-04-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-04-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2023-06-29
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. (NJ)

in accordance with the fair credit reporting act XXXX account # XXXX - XXXX XXXX 
has violate my right. 
15 U.S.C 1681 section 602a. 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.
Consumer complaint received 2022-04-11
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. (AR)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-01-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mobiloans, LLC (FL)

I received a phone call from XXXX XXXX on XX/XX/2022 stating that they were calling on behalf of a debt I owed to Mobiloans.com. The caller did not read the debt collector disclosure. He simply stated that his company is a mediator and they were calling to settle prior to pursuing civil action, or before it is attached to my social security number and damages my credit rating. When asked to have the debt validated via mail, the caller refused and stated they do not send letters and only email. 

I reached out to Mobiloans Account Services department and they stated that the debt was sold to XXXX XXXX XXXX and they provided a phone number of XXXX. I spoke with a rep at XXXX XXXX who stated that they have never heard of XXXX XXXX that I should not provide them with my financial information, and that my debt was sold to XXXX XXXX XXXX XXXX. She provided the phone number of XXXX. I have called XXXX multiple times, left 2 voicemails and have not gotten a response. This company has also never contacted me via mail or any other communications regarding this alleged debt. 

I called XXXX a second time asking for a validation to be mailed to me. They refused. I asked for their mailing address, to which they also refused. They claim they are located in XXXX, GA however they contacted me from a XXXX, FL number ( XXXX ) XXXX.
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MA)

Amex has slapped a charge of {$970.00} on my XX/XX/2020 bill, the charge is dated XX/XX/2020. This is for an order with merchant XXXX XXXX, for which was cancelled XX/XX/XXXX, and XXXX XXXX issued credits amounting to the total of {$970.00}. Therefor rendering this charge cancelled out. A rep by the name of XXXX with Amex, claimed it was what I had to pay for the dispute. Yet the merchant paid back the funds, to which should have closed out any dispute. Thus, making her statement senseless. I have included documents verifying my {$970.00} bill payment made in full to Amex from my banking institution, on XX/XX/2020, for my re-purchase of the washing machine appliance from vendor XXXX XXXX. That proves I should not be having to pay a second charge of {$970.00}, it is baseless and fraudulent. XXXX XXXX has also supplied documentation showing proof of transactions dates/receipt # 's, to demonstrate the honest truth that they issued credits back in the first week of XX/XX/2020, in the total of {$970.00}, for the XX/XX/XXXX cancelled order that never took place due to pandemic lock down. They also supply reciept # of my rightful payment made for the machine, that they received in my Amex bill for XX/XX/XXXX, processed XX/XX/2020 in the amount of {$970.00}. XXXX statement on Amex website is currently unavailable but again, XXXX XXXX is providing trans # 's proving credits issued and accepted to my Amex account. After all the deceitful practises, letter of lies, fraudulent misconduct and criminal activity that is baseless and completely unfounded, this card will now lay dormant and unused as Amex has caused me such extreme XXXX and XXXX XXXX that far reaches beyond any normal depths of human decency and healthy, trustworthy business relationship. I know this bogus " charge '' was thrown at me in retaliation for my filing of complaints calling for accountability. The work-from-home era of unmonitored reps., has resulted in outlandish and inappropriate behavior and illegal activity designed to victimize us as card holder. I earned a near perfect and impeccable credit history and do not have to succumb nor endure Amex abuse!! XXXX whom I spoke to on Monday XX/XX/2020, claimed the {$970.00} charge had to be legit yet could only provide a flimsy half -reply that it's my dispute charge?!? Yet she insisted its a legit charge. Strange when I told her to look at beginning XXXX to see the merchant credits for that amount and cancelled order, she oddly, " couldn't see them ''. Furthermore so convenient that my XXXX Amex statement that should show proof of my {$970.00} paid in full XX/XX/2020, is NOT a statement but a ridiculous letter stating changes to my account!! XXXX went silent and then eventually disconnected from the line. Crooks!!!!
Consumer complaint received 2021-05-15
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: AMERICAN EXPRESS COMPANY (OH)

After verbal and written requests to validate a debt that Amex continues to claim is mine but has NEVER reported on my credit until they decided to pull my information from personal accounts I held with them, which is also illegal, and then they simply reported it as charged off because they could not validate the debt after MULTIPLE attempts requesting them to do so ; they have failed to verify this debt is mine via the agreement/contract. I have spoken to MANY people at the company and they have all said they would send me proof, but they never have. I have never had an account with Amex ending in XXXX. Furthermore the company is in violation of the FTC 's Fair Debt Collection Process, as they sold this debt to a third party debt collector and then reported this debt to my credit as charged off which is illegal to do once a debt has been sold ; debt was sold to XXXX. This debt needs to be removed from my credit immediately due to their failure to validate this debt after 14 attempts and phone calls requesting them to do so. Their last response to a complaint we filed was completely inappropriate as it failed to meet the requirements of validating a debt under the Fair Credit/Collection Process. They simply attached their card holder agreement terms but never proved that this debt was mine once again. I am prepared to hire an attorney and seek damages for their illegal reporting practices.
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

I/my business, XXXX XXXXXXXX XXXX XXXX XXXX XXXX was robbed in a postal theft on XX/XX/XXXX. I reported the theft and check-washing and rewriting to Chase Bank on XX/XX/XXXX. My Chase account was closed and a new account was opened. The stolen check had been rewritten for {$9500.00} and improperly negotiated at the XXXX XXXX  XXXX, the banker of XXXX XXXX. 
I was told that it would take 7-10 days to sort out my account and retrieve my funds. The timeline has grown exponentially to 120 days or more to settle my claim. I have been to, and written to, and faxed, and called Chase Bank at least 20 times trying to expedite my retrieval of funds. visits : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Calls and letters to the Executive Office. Calls to the Claims/Fraud Dept. The Executive Office did respond with a letter to me on XX/XX/XXXX, outlining the timeline of my case and stating that they are waiting for XXXX XXXX XXXX 
Chase has repeatedly asked for my declarations to be resubmitted. Now, I am told that my claim is in the hands of XXXX XXXX XXXXXXXX. I am 10 days away from the date that Chase says constitutes 120 since my paperwork was " in. '' How do I know XXXX XXXX XXXX has my claim? How do I know I will be fairly settled? Should I wait 120 days? What if my claim is not at XXXX XXXX XXXX? 

I also repeatedly requested XXXX XXXX XXXX XXXX XXXX  or XXXX XXXX XXXX XXXX from Chase Bank in order to stay solvent with the loss of {$9600.00}. The answer was always " No. '' Why? 
Shame on them!
Consumer complaint received 2021-05-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (IN)

Today, Saturday, XX/XX/2021, I received a mailing from Radius Global Solutions LLC informing me that they were a debt collection company and they wanted me to remit {$38.00} for a debt owed to Creditor : XXXX XXXX  XXXX XXXX XXXX with a Debt Description : XXXX XXXX I have had no dealings with XXXX & XXXX XXXX and I'm certain that I do not have an account with them nor do I owe them the amount Radius Global Solutions LLC has stated. I suspect that the true culprit in this matter is XXXX XXXX XXXX XXXX, not Radius Global Solutions LLC. I intend to telephone Radius Global Solutions LLC in the coming week to discuss and contest this debt, but I wanted to go on record with this complaint because I suspect intended fraud by at least one of the aforementioned parties.
Consumer complaint received 2016-01-27
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION (NC)

I received a call from a XXXX XXXX who works for XXXX XXXX XXXX but pretentious to be a police officer. He first contacted my sister in law threathening to lock her up if she did n't pay him XXXX dollars within one hour. She intern called me. And gave me a phone number for him XXXX. I called him and he wastalking about coming to arrest me and my sister in law if I did n't pay him XXXX within one hour. He was very rude and threatening me with cursing and coming to lock my a up. I also was called from his office by a female who just impose as a court clerk. The phone number she used was XXXX which appeared to be a XXXX bogus phone #. I was threathen by XXXX XXXX and his associates which I an XXXX and have health issues that caused me to have a XXXX XXXX. And they caused my sister in law XXXX XXXX XXXX. Something needs to be done about this. A friend of mines paid XXXX to this company because of his threats. And in personinating an police officer is a crime as well as communicating threats. Please get this man and his associates. His phone number is XXXX. Help my name is XXXX XXXX my email address is XXXX XXXXXXXXXXXX.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 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 2023-06-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX XXXX Clone which involved me making deposits for a total amount of XXXX USD from XXXX Bank of America account to a fraudulent investment firm ( s ).
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

ON XX/XX/2022, I CONTACTED EXPERIAN LLC. CREDIT REPORTING TO DISPUTE THE CREDITORS LISTED ON THE FTC ID THEFT REPORT THAT IS ATTACHED TO THIS COMPLAINT. 
WHICH IS THE RESULT OF THE LISTING OF FRAUDULENT ACCOUNTS ON MY EXPERIAN XXXX XXXX CREDIT REPORTS. 
FOR SOME REASON EXPERIAN LLC AND XXXX XXXX HAVE NOT REMOVED OR BLOCKED THESE FRAUDULENT ACCOUNTS. 
I AM A PERSON WITH XXXX XXXXXXXX I CAN NOT NOT FILE THE NESSARRY LEGAL COURT DOCUMENTS RIGHT NOW, SO I NEED THE HELP OF THE CFPB DEPARTMENT. 
TO ENFORCE THE FCRA RULE OF LAW.