davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right letters and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

cores Details I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX/ {$5900.00} / XX/XX/2022 XXXX XXXX XXXX/ {$2600.00} / XX/XX/2022 XXXX XXXX XXXX/ {$7600.00} / XX/XX/2022 Cancel contract. Please provide the original contract or delete I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address 1 put on the from area.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I thoroughly reviewed my credit report, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.
Consumer complaint received 2022-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paradigm Assets, LLC (SC)

I received a collection account on my XXXX, XXXX and XXXX XXXX XXXX from - JHPDE FINANCE I , LLC XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX I first realized this collection item was listed on my credit report in XX/XX/2021. I have attempted to contact the collection company to verify this debt is actually mine and have also sent requests for verification to all three credit bureaus. I have written proof as the letters were sent certified USPS.

To date - none of the three credit bureaus nor JHPDE Finance I , LLC have responded to verify my debt. I have also attempted to call this company and can not find a working number or any method to resolve this matter. 

If the debt is mine, I will be happy to pay it. However, when I have a negative, collection item and am unable to see what it is for and am unable to contact the company it seemed appropriate to escalate this matter to the CFPB.
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Innovis (NC)

XXXX XXXX  is showing negative payments and actually reported negative on XX/XX/XXXX, I filed Ch XXXX Bankruptcy in XX/XX/XXXX. This is against the law.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I scheduled online payment of entire balance with a XXXX card held by Bank of America for the XXXX due date- as usual. 
When I received the next statement from B of A it showed that payment had not been received. 
I went back to their site and found that yes, it had the scheduled payment but mysteriously that payment had been cancelled 2 days before it was to be paid. 
This was very odd, I certainly did not cancel payment. 
I contacted my bank, XXXX XXXX, from where the payment was to be sent from and asked my personal banker to investigate it. Their response was " I was looking into the transaction, and it looks like the payment is setup to be deducted at Bank of Americas end. We dont show it being submitted for us. " This cancellation of payment ( that I did not cancel ) has cost me lates fees and interest that are not correct. 
I promptly filed a complaint with them sending the documentation of the payment being set up, email from my banker identifying that B of A seems to have caused the payment cancellation. 
So far from B of A I received a canned response letter about late fees and interest and another canned letter with a phone number that has a horrible phone tree that does not have an option to address the case number. 
It seems pretty clear that they are not going to investigate and correct this.
Consumer complaint received 2020-07-31
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. (AR)

I downloaded XXXX XXXX  yesterday for the first time and I noticed I had several accounts that did not belong to me. So, I decided to pull my report and noticed several accounts that are not mine. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX {$650.00} XXXX XXXXXXXX XXXX {$360.00} XXXX   XXXX {$180.00} XXXX XXXX XXXXXXXX {$290.00}
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Eagle Accounts Group, Inc. (GA)

Mr. XXXX and similar situated consumers or Armed Services employees, has or having been subjected to Title 42USC 601 ( b ) is not positive law or enacted into congress and does not provide unwed mothers any entitlements or unenforceable rights. XXXX XXXX XXXX having been unjustly enriched from this criminal act, admonition use my confidential and personal information to obtain benefits or use XXXX services to date. XXXX entered in agreement with mother [ enjoiner ] in money mach ( " collectively '' ) to extort undue monies from uniformed personnel while defending the country. Courts having examining the material facts, mother conspired or acted with conspiracy with magistrate officer as body or corporation entering defective motion in bad faith, motive Office of Child Support to received and maintain federal funding. Courts shortly or directly after discovery previously reporting to ( OIG ) for  Fraud, Waste and Abuse provided Mr. XXXX a refund check of {$600.00}, obligated to maintain as part of agreement in disgorgement of funds and declaratory relief.
Consumer complaint received 2022-03-08
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)

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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I am filing a complaint against Equifax for their violations of the Fair Credit Reporting Act. 

On XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. I requested verification of the information being reported by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I questioned the accuracy of the information being reported as it doesnt match my records. My understanding of the FCRA is that any information that is not 100 % accurate must either be updated to reflect its accuracy, or promptly be removed from my credit report. I have spent more time than necessary to get Equifax to report the account information correctly. Both XXXX  and XXXX have completely removed these accounts from my credit reports because they were not able to verify the information. I know that these companies are different, but how can Equifax continue to verify inaccurate information?? At this point I am thinking of seeking legal assistance because what they are doing is not fair.
Consumer complaint received 2022-07-08
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX for Repair Services in the amount of {$510.00} on XXXX XX/XX/2022 pulled from 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 account without my written instructions.
Consumer complaint received 2021-12-02
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. (GA)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. Due to Transunion being a Consumer Reporting Agency and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

Transunion received everything required under the FCRA needed to remove and place a block on the information that resulted from identity theft as proof through CFPB Complaint number XXXX and XXXX submitted on XX/XX/2021. It is now XX/XX/2021 and Transunion has yet to place a block on all information resulting from identity theft. I called Transunion today at XXXX pm and requested information on the block of information resulting from identity theft. A representative of Transunion informed me that they were not placing a block on the information because of the company policy they have in place. I informed the representative that their companies policy does not supersede Federal law and according to Federal Law, I submitted everything that was required. 

15 USC 1681c-2 states that 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 identity theft, no later than 4 BUSINESS DAYS after the receipt of the following : 1. Appropriate proof of identity of the consumer ; 2. A copy of an Identity theft report ; 3. The identification of such information by the consumer ; and 4. A Statement by the consumer that the information is not information relating to any transaction by the consumer.

I have not received any sworn statements from any senior Executive member of this company on an affidavit signed under the penalty of perjury. Therefore, Transunion is willingly and knowingly violating my federally protected rights under the FCRA to protect a business relationship they have with these organizations by allowing them to park debt on my consumer report in order to ruin my financial reputation.

15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit in a manner that is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information. If Transunion allows its policies and business partnerships with these organizations to continue to violate my FEDERALLY PROTECTED CONSUMER RIGHTS, they will be liable to me for the stress, XXXX, sleeplessness, and any other actual damages caused as a result of the failure as allowed under 15 USC 1681n and 15 USC 1681o.
Consumer complaint received 2022-03-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

So as one does, I e-filed my taxes at the beginning of XXXX, the date it was recieved into my savings account was XX/XX/XXXX for the amount of XXXX by chase, the very next day the account was closed without any noticed and all the funds were withdrawn from my bank. I then proceeded to call the bank 3 times and all the times said the money had been sent back to the IRS. However, calling the IRS 3 times I get the response that it had been accepted by my bank XX/XX/XXXX, it has been 3 weeks and I have not received a letter or notification on where my income tax return is. There was no notice of my savings account to be closed.
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (CA)

It has been over 30days and not a response TICKET # XXXX associated with XXXX for BinanceUS XX/XX/2021 phone broke and could no longer access two-step verification to access the account. 
XX/XX/2021 created a ticket to request removal of two-step verification XX/XX/2021 received an automated response stating : " Thank you for contacting us! We've received your request # XXXX. 
Don't worry ; we can assist you manually. 
To help you with your request, please provide the following requirements to continue : Step 1 ) : Attach the same photo of your identification that was used to register your account. 
Step 2 ) : Attach a selfie photo of yourself, holding the same proof of identification. 
Step 3 ) : Attach a video of yourself, holding the proof of identification and repeat the following phrase : " Today is ( DATE/MONTH/YEAR ), I am requesting to reset my account XXXX for my Binance.US account associated with ( XXXX XXXX. '' Please provide the documentation attached to this thread, or you may use a XXXX link ; we don't accept documentation within Google-Drives After we verify your files, we'll authorize the reset XXXX process. Please understand that as a security precaution, we will temporarily suspend the withdraw function for 48 hours. 
We appreciate your cooperation and look forward to your reply. 
XX/XX/2021 I reply with the three things being asked for and wait for response XX/XX/2021 I create a second ticket same automated response email. NEW TICKET # XXXX
Consumer complaint received 2018-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections (TX)

Bonneville collections is reporting that I owe money for a debt that has been eliminated by their client. I am in receipt of a XXXX Balance invoice from their client, showing I owe nothing as of XX/XX/2016.
Consumer complaint received 2018-05-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OH)

Account was in forbearance and was then reported as 90 days delinquent in XX/XX/XXXX and XX/XX/XXXX. Called to ask why this was reported and was blown off and told that there was nothing they could do..
Consumer complaint received 2018-09-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Number called me saying im approved and that he needed my bank info and personal info to send me my approved loan. Then made me pay XXXX $ to a XXXX XXXX card and said i would receive my XXXX for sure but after i sent the XXXX $ he said i need to pay an additional XXXX $ for california to accept the transfer to XXXX XXXX, was all a big scam asked for my money back and no answer now.
Consumer complaint received 2018-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (OR)

Using XXXX, I leased out my condo in XXXX, OR, for the summer ( 56 nights from XX/XX/XXXX to XX/XX/XXXX ) to a XXXX XXXX of XXXX Arizona He made his payment on XXXX-18 using his American Express card. 

" Guest Paid : XX/XX/18 - XXXX XXXX - American Express Your rental agreement was accepted on XX/XX/18 at XXXX XXXX  by XXXX XXXX from IP address : XXXX '' I met him on XX/XX/XXXX, looked at his ID. Gave him the keys. 

I received. {$5400.00} He left XX/XX/XXXX. And one week later, as per our agreement, I returned his deposit. 

On XX/XX/XXXX he told American Express that he did not make the charge. 

The payment was reversed, and taken from my checking account. 

I believe this is fraud, or maybe theft.
Consumer complaint received 2018-08-15
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: CITIBANK, N.A. (FL)

RACIAL DISCRIMINATION AND RUDE CUSTOMER SERVICE : On XX/XX/18 I called Citibank to tell them my wife ( XXXX ) will go to a Bank to get cash advances on our cards. I was told them amounts which were available. My wife went to XXXX  XXXX XXXX and processed a cash advance with our Simplicity card without any probing questions. She also attempted to use the Double Cash ( D/S ) card she was told the system would not accept the D/S for cash advances. I found a nearby Citibank Branch at XXXX XXXX XXXX and told me wife to go there and use the D/S card. My wife approached the window with Citibank Teller XXXX XXXX to process her transaction. During the transaction a male interrupted them to have his transaction process. XXXX stopped handling my wife and processed the transaction with the male. My wife was surprised by the rudeness on both their parts and stepped by to let them complete the transaction. After the the transaction was completed my wife approached XXXX again to request a cash advance. To her dismay, XXXX started asking probing questions about her occupation which was not necessary for a cash advance according to Citibank Credit Card XXXX XXXX, employee number XXXX ( who refused to take my complaint because it was in regards to a branch ). I told my wife not to answer those probing questions and to request a Supervisor. The Citibank Supervisor XXXX XXXX told my wife she had to answer all those questions because she does not have a Citibank checking or savings account. Citibank Teller XXXX XXXX refused to process the cash advance unless my wife answered all of her probing question which are not required for cash advances. I told my wife to leave the bank and I would file this Federal Complaint.
Consumer complaint received 2022-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (PA)

( was not allowing me to add my social in the last page my last XXXX of my social is XXXX ) On XX/XX/2022 I sent a collection company ( Penn credit corporation ) a dipute letter request evidence of contract since I never had a debt with this company the letter was sent certified mail with tracking number XXXX ) the company failed to send the requested information and is still being reported in my credit and is causing me to fail to complete the purchase of my house. I contacted the company multiple times and they assure me since they didn't have enough proof of the debt being mines is deleted from there collection agency they provided me with a ref number XXXX. I asked for a letter of deletion and they are giving me the running around. I disputed the debt with all the Bureus and XXXX wrote that the debt was verified as accurate?? How is that correct when the company didn't provide the requested information in a reasonable time and also asure me the debt is deleted? Please help me with this matter because this can harm me very seriously and it's a fraud what they are doing.
Consumer complaint received 2020-02-04
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. (AR)

I was receiving bills from a collection company. I wondered for days why I received this collection bill twice, if I knew I did not owe anything. I got onto XXXX XXXX and saw I was sent to collections as well. I took action and pulled my credit report on identity IQ. I am  extremely shocked with these items on my report that I have never opened. These accounts do not belong to me. Please remove these items from my report.

US DEPT OF ED/XXXX XXXX {$71000.00} XXXX  XXXX XXXX XXXX XXXX {$130.00} XXXX, XXXX XXXX {$380.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$1500.00} XXXX/XXXX  XXXX {$990.00} XXXX XXXX XXXX  XXXX {$160.00}
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

I have had several issues with Td Bank. One problem is because I had my account overdrawn right around the time we were all supposed to get the {$1400.00} stimulus they decided to credit my account when I didnt authorize them to credit anything on my account and now it has screwed my account up because now they said theyre going to pull this money back out of my account within 30 days they didnt talk to me first about it at all. Another issue is I had specifically told a motel hotel that they are not authorized to use my card any longer I even told Td Bank this prior to them using the card because I wasnt staying there any longer they credited me the money then they turn around and found that there was no fraud when there was because its basically like stealing my money when I told the motel manager that I didnt have the funds there so please dont run the card well because I had overdraft the bank allowed it to go through twice then I called the bank and they were supposed to cancel my card but the young lady did and they allowed a third charge to go through they refuse to reverse that either. Now because of all these issues they have screwed my account up so bad that my account is over {$500.00} overdrawn and I dont know what to do at this point. I also think I was just probably been able to get something out of that recent settlement About the overdraft accounts because I had that too. TD Bank has fraudulently I feel done things with my account that they should not have done that has caused me problems because I dont look at my account on a daily basis and for them to credit my account then pull money back out it makes it where I have no way to keep track of stuff and I feel have violated quite a few laws with everything theyve done on my account.