davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OZK (FL)

Hi. I set up a XXXX account within my bank and checking account, and ran a trial with the recipient, sending him {$1.00} on XXXX XXXX. To the same payee, I attempted to send {$700.00} on XXXX, XXXX XXXX. XXXX failed. On XXXX, XX/XX/XXXX, called up Bank OZK ( my bank ) and got, I thought, an expedited transaction of the {$700.00} being sent via XXXX to the same payee that was trialed with the {$1.00}. Bank OZK affirms that the money was sent, as does XXXX. The payee, according to him, has contacted his bank, XXXX  XXXX XXXX, and states that they have no record of the XXXX transaction. I have tried, but XXXX  XXXX XXXX will not talk to me. The XXXX agent stated that there was some fishy business with the payee 's cell # ( same as account # ), saying that it was unregistered from his account on XXXX XXXX and reconnected on XXXX XXXX. Now, I honestly believe that is what I heard ( telephone call ), but the agent ( XXXX ) had a rather thick accent, so I may have heard things in error. However, I don't think so. Long and short of it, I sent {$700.00} to the payee and it has disappeared. Thank you for your assistance in this matter. XXXX
Consumer complaint received 2022-02-21
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MI)

The Bureaus did not properly investigate my account with CHRYSLERCAP XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The payment history is incomplete and inaccurate. The 30 Days late is showing multiple times. This is damaging and irrelevant. Also, they payment status and the past due is being reported differently. I suggest that you should repair and update this account for legal and accurate furnishing. Thanks
Consumer complaint received 2021-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IN)

Everytime that i goes to the hospital my insurance pays my bill but here lately i been getting billed by IC Sytem and its been on my credit report and this is a hipaa violation because they didint give me a copy of my hipaa transcript or nothing like that and this needs to be deleted immediately before i take legal actions
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide evidence. CFPB step up and delete ALTERNATIVE XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX   CREDITOR ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX )
Consumer complaint received 2021-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been a customer of bank of America for 10 years. I wish bring to your kind attention that I am having problems with all those banks fees that have being charge to me. I hold an account I am sad to say that despite making calls to the XXXX number mention if you called other staff/customer-care center ), there has been no action taken. i being charge over 2000 dollar worht of XXXX nfs fees. specially duringthe pandemic i am a family of 4 my wife got laid off durring the pandemic. because everyone is stated is not a bank error.theire is nothing that cant be done And also to say that despite making calls to your branch and the customer-care toll-free numbers, there has been no resolution.
Consumer complaint received 2021-06-11
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: EQUIFAX, INC. (NJ)

A few years ag someone i=used my name and applied for various apartments in Georgia. When I found out I was instructed to go to the police department and file a report for identity theft with I did. I sent report and my credentials to the credit bureaus XXXX XXXX, Equifax and XXXX  XXXX I called the companies and completed their paperwork as well. I later had t complete a fraud report with FTC and attach all of my paperwork to it. This is well over 4 years and I have made numerous attempts to correct this issue to no avail. The companies are XXXX XXXX ( around ( XXXX  ) and XXXX XXXX ( XXXX ). I work for a XXXX XXXX  which I have a pension and have never had a desire to live in Georgia. One company sent me information which was a drivers license from New York which I have never had a New York drivers license. They also sent me a pay stub copy of a job a XXXX. I have never worked at XXXX. I have shared this information numerous times with all parties.
Consumer complaint received 2022-12-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (GA)

There were 2 purchases from XXXX that were two purchases that was made on XXXX XXXX. The first amount was {$100.00} and the second amount for {$130.00}. Both of the orders were canceled. The first order was refunded {$93.00} + {$4.00} + {$1.00}. This would have brought the remaining balance to {$0.00} However, if you look at XXXX XXXX XXXX, as of XX/XX/2022, it still shows of remaining balance of {$55.00}. There should NOT be a remaining balance. This is what I am disputing! The remaining balance of {$55.00}. 

The second purchase was for {$130.00} It was also canceled and refunded {$120.00} + {$4.00} XXXX. This had brought the remaining balance to {$0.00}. This refund is showing correct under XXXX XXXX XXXX. 

As of Today ( XX/XX/2022 ), The remaining balance from XXXX fro {$55.00} was removed from XXXX XXXX XXXX. However, the balance of {$55.00} is still added on my current balance. If you add all the remaining balances that are under XXXX XXXX XXXX  ( XXXX ) plus the {$12.00} transaction from XXXX from XXXX XXXX, it would equal out to {$1100.00}. However my current balance shows {$1100.00}?
Consumer complaint received 2024-02-13
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. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (WI)

I received a notification that Midland Credit Management placed a collection on my credit report. I have had a payment arrangement in place since XX/XX/XXXX and six months later Midland Credit Management decides to place a collection on my credit report. Midland website even says, and I quote : " MCM believes in fairness and transparency around credit reporting. We do not report to credit reporting agencies for accounts that are more than two years old ( based on the date of delinquency ) and paid in full ( including accounts paid in full for less than the full balance ). 

We also dont start reporting on new accounts if your payments begin within three months after we send our initial letter and you continue making payments every month until the account is paid in full ( or paid in full for less than the full balance ). '' This account is over two years old and I have been paying the agreed upon amount every month for the last six months. Midland Credit should not be reporting a collection to my credit report for an account that I have been paying on faithfully. I have not received any notices or communication recently about this debt before being placed on my credit report. 

We are in a pandemic and I am barely making it financially yet I still make sure the payment is received every month. 

It does not make sense to add a collection to my credit report after payments have been made already to resolve this debt. Especially 6 months later. 
I want this collection from Midland Credit Management deleted from my credit reports immediately!
Consumer complaint received 2023-06-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/XXXX, I received 2 alerts from my credit monitoring ( Credit Wise ) that a " New Account '' was created through Bank of America. I attempted to call and email the Fraud dept but have yet to receive any callback or emails. I was recently a victim of fraud late last year ( XXXX ) and have had to file 1 unauthorized charge already through another bank. I am about to purchase a house and can't have any new accounts on my record, especially those that don't belong to me!
Consumer complaint received 2022-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc. (AL)

Merchants ADJ Services has placed medical bills on my credit report. Some of these accounts I have no knowledge of and I didn't give anyone authorization to even send my information to a third party. I haven't seen any contract stating that I gave them authorization to send my information to a third party. This is against HIPAA Laws. This has caused me so much XXXX because I'm trying to buy a house.
Consumer complaint received 2021-06-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I sent XXXX  3 dispute letters in the months of XXXX, XXXX, and XXXX the response i received was that they investigated but showed no proof. In these disputes i sent the copy 's of payments and letters from company 's in question. 

XXXX XXXX  - Account # XXXX has been on the deferment program since XX/XX/2020 since before covid-19 started. My payments should show paid and not negative which is hurting my life. 

Also i have sent copy of my continued on time payments of NYS OTDA - Account # XXXX, they have neither up dated the on time payments or removed negative payment history or removed accounts all together since they are not accurate.
Consumer complaint received 2022-02-21
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NV)

On XX/XX/2021 I attempted ( at least 10 times, to make a XXXX XXXX purchase on the XXXX XXXX site of {$320.00}. I had to use another credit card to make the purchase! I called the number on the card to find out what the problem was. The representative could not help me and I spoke to a supervisor, and that person could not explain it. I told her then to send me another card that I could use. I have not been able to use this card since the previous annual fee yea,. Why would I again be billed for another annual fee for a card that was not useable? I missed out on the purchase miles ( the reason I have the card ) and now SNYCB wants to charge another annual fee.
Consumer complaint received 2020-02-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Strange account appearing on my credit report. 
XXXX XXXX XXXX XXXX Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to your report. The collection  agency is XXXX XXXX XXXX. The original creditor was XXXX XXXX XXXX XXXX XXXX. 
Amount {$160.00} This information has just shown up on my Trans Union credit report. This account belongs to someone else! As per the fair credit report, i placed a security freeze on my credit reports last year because i have random accounts that appear on my credit report that are NOT mine! I have had to obtain an attorney for XXXX  for one account, and i do not want to obtain one for this random account that never belonged to me. Please remove this account as it's defaming my name and credit report. Since the breach of the credit bureaus in XXXX, my PERSONAL INFO has been stolen, this is unfair to me as a good citizen whom pays their bills. Please remove.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-15
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. (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, 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 

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 has reasonable cause to believe that the information is inaccurate.

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. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX
Consumer complaint received 2022-02-21
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: Experian Information Solutions Inc. (MO)

I previously sent my written request to Experian about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Experian get back to me with regards to the issue. Here are the items that concern me : AXXXX XXXX XXXX BALANCE {$0.00} XXXXL XXXX Date of inquiry XX/XX/XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-12-02
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. (MN)

I am a natural person, I am a living human being, I have rights under 15 USC 16681. 

TransUnion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have right to privacy and I did not give TransUnion written permission to furnish these accounts. 

Accounts Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX. XXXX  XXXX. 

Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2021-06-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (VA)

For cryptocurrency exchange Gemini Trust Company , LLC, Address : XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Going back before XX/XX/2021 I had contacted them as they blocked my account for suspicious activity. After repeated helpdesk requests I was able to logon to my account and noticed my balance of approx. {$29000.00} was missing. I made additional help desk requests to what happened to my balance but they never even to today responded to my request. At that point I submitted a complaint to the NY XXXX  and they got a negative to they were working on my complaint response. 
I then filed a complaint with the New York State Department of Financial Services who has authority over Gemini. I received a negative response as I wasn't a NY consumer, I live in Virginia and I did all my business with Gemini using their web site. 
I then filed another complaint with the Virginia Bureau of Financial Institutions who have contacted me and are working my case. They suggested I file a complaint with you the CFPB which this is. 

XXXX XXXX