davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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. (PR)

I recently received communication from XXXX, Experian, and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Experian, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Experian, and XXXX the authority to collect this alleged debt.

* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No XXXX, Experian, and XXXX never responded! 

Furthermore XXXX, Experian, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that XXXX, Experian, and XXXX is implementing itself.

Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Experian, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. XXXX, Experian, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 


XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

Dates : XX/XX/2022 evening and XX/XX/2022 early morning Bank : Navy Federal Credit Union Amounts : {$2300.00} {$500.00} {$640.00} {$100.00} {$450.00} {$610.00} The transactions were unauthorized from my checking and saving account sent through the XXXX XXXX. I have no knowledge nor recognize the recipient ( s ) of the money stolen from my account, nor did I approve of the money being sent. I do not know or have any individuals contact information for the funds that were sent. Phone account was comprised and had to reset phone.

Contacted Navy Federal Credit Union to dispute the transactions/fraudulent activity. The bank closed the account and mailed out a new atm card associated to a new open account. The bank did not provide a provisional credit and denied the claim. I immediate called to open a new claim and I have not received a response. 

I received a text from XXXXXXXX insisting that I update my account before the incident. 
I received calls from XXXX insisting that I update my account before the incident.
Consumer complaint received 2022-05-03
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. (PA)

Hello, my name is XXXX XXXX XXXX, and 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 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 an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I contacted XXXX XXXX to dispute the charges on my credit card that was made to XXXX XXXX. I spoke to them many times, filed a dispute with bank, reported fraud to the bank, and wrote a letter to the bank. After my last attempt in XX/XX/2020, XXXX XXXX  advised me to write a letter to them. I wrote a letter to them and mailed it on XXXX never received a call or documents replying to my letter. The only letter I received from XXXX XXXX was dated XX/XX/2020 stating they closed and charged off my account and sold to Midland Credit Management as of XX/XX/2020.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

Comenity - BJ Perks Mastercard automatically charged me the membership renewal and sent me the bill, which I received on XX/XX/20. I called the bank on the same day, explaining that I did not renew BJ membership. The bank representative said I have to speak to BJ customer service and forwarded the phone over to BJ. BJ customer service confirmed that they will send the credit back to Comenity bank ( ticket number XXXX on XX/XX/20. ) BJ customer service also said she will email me ( XXXX ) confirming my account is clear, but I never received any email. BJ also said the refund will take place in 6 days ; so it would have been XX/XX/XXXX. On XX/XX/XXXX I received the 2nd bill from Comenity bank with the original charge plus {$2.00} fee charge. I called Comenity bank the 2nd time, explaining the the whole problem and asked the bank customer service to clear all the balances then close my account. The bank confirmed that the balance was XXXX and closed my account. 

On XX/XX/XXXX I received the 3rd bill from Comenity bank with the balance representing only fees of {$30.00}. I called the bank, spoke to XXXX ( or XXXX ), then XXXX and XXXX. XXXX wasn't able to resolve it because of his authority, which is understandable. XXXX said I have to pay the fees, even though he knows it's not my fault. XXXX finally was able to resolve it by reopen the account and credit back all the charges. XXXX confirmed with me that the account bears XXXX   balance as we spoke. I appreciate XXXX efforts cleaning the mess BJ and Comenity bank created. I want to make sure I won't receive the 4th bill from Comenity bank.
Consumer complaint received 2022-05-03
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. (RI)

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. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute a collection account that appears on my credit report from XXXX XXXX, XXXX which I do not recognize. I am requesting that you investigate this matter and provide proof of the validity of this debt. If no proof can be provided, I request that this account be removed from my credit report immediately. Details of the disputed account are as follows : Account Name : XXXX XXXX XXXX XXXX {$3000.00} I have no knowledge or record of this debt, and I have never been contacted by XXXX XXXX  or any collection agency regarding this alleged debt. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of any debt that appears on my credit report. I am exercising this right and expect a prompt response. Please provide the following information : A copy of the original signed agreement or contract. A detailed account statement showing all charges, payments, and adjustments. Proof of the assignment or sale of this debt, if applicable. Any other relevant documentation that can validate this debt. If you can not provide the requested documentation, I kindly request that this account be deleted from my credit report. Failure to validate this debt or continued reporting of this unverified debt can be considered a violation of the FCRA, and I will take necessary legal actions if required. I appreciate your prompt attention to this matter. Please respond in writing within 30 days of receiving this letter, confirming the actions taken in response to my dispute. Thank you for your cooperation. Sincerely,
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

There were multiple transactions completed without my authorization on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called Wells Fargo as soon as I saw that my account had multiple unauthorized charges to report the incident as fraud. 
XXXX {$400.00}, {$9.00} XXXX {$19.00}, {$10.00}, {$4.00} XXXX {$28.00}, {$27.00} As I remember correctly these charges were in different cities from when I looked at my statement prior to calling them. 
I did what I believe to be the correct thing in reporting these charges as fraud as I did not authorize them, nor have possession of my card at the time of noticing the charges. I received in the mail a letter that Wells Fargo deemed these charges as not fraudulent and was re-billed.
Consumer complaint received 2018-04-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BMO Bank, N.A. (IL)

This complaint is against BMO Harris Bank N.A . I communicated with BMO from approximately XX/XX/XXXX through XX/XX/XXXX regarding obtaining a home mortgage. My main point of contact was with XXXX XXXX, the mortgage banker. Initially, I requested a quotation from XXXX for mortgage rates and fees. After subsequent emails and conversations, I told XXXX that I wanted to go with her initially quoted interest rate ( of 4.1 % ) and initial fees quoted which did not include points. I communicated that I did not want to buy the rate down. I also communicated that I wanted to lock in the quoted rate. XXXX informed me that the rate was locked. I later received paperwork in the mail to sign off on and I noticed that the box for a locked rate was not checked. I informed XXXX and she assured me that my rate was locked. As the mortgage process went on I continued to receive documents with points added to the cost of my agreement. I communicated this to XXXX and constantly reiterated that I had not agreed to that and did not want to pay for points. She informed me that it turned out that my rate was not locked in when she thought it was because of a system error and that there was nothing she could do to remove the points. She admitted that it was the banks error. I subsequently requested her supervisors contact information and she gave me XXXX XXXX XXXX contact information. XXXX told me she informed XXXX XXXX of the situation. I also contacted XXXX XXXX on more than one occasion by phone and email and never received any communication regarding a resolution to this issue. 
In the midst of all this, I continued to receive bank documentation to sign off on which had points added on that I had not agreed to. The documentation came with deadlines by which I had to sign and return the documents so I felt under pressure to meet the deadlines so that I would not be in breach of contract with the seller of the home I wanted to purchase and be in jeopardy of losing my earnest money. My real estate lawyer informed me that I did not have enough time left in the process to find another banker and secure a mortgage without being in breach of contract. Therefore, I marked up some of the loan documents, and signed them, indicating that I did not agree to the points that were added on. 
In summary, I made phone calls and sent many emails to XXXX and XXXX XXXX and in the end, {$380.00} was added to my closing disclosure that I did not agree to. XXXX replied to my emails and calls but said there was nothing she could do to remove the points. XXXX XXXX returned one of my calls and said that he would look into the situation and get back to me. Afterwards, some time passed during which he did not get back to me. I followed up with emails and phone calls and still did not receive anything back from him in regard to any progress or a resolution to the issue.
Consumer complaint received 2022-08-17
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. (KY)

XXXX XXXX XXXX  XX/XX/XXXX. XXXX dollars. This was listed on all the credit reports that this account was charged off as bad credit. 

According with the Fair reporting act, the above account violated my rights according to the 15 USC section 1681, which state a consumer reporting agency can not furnish any information on my credit report without my written consent.
Consumer complaint received 2020-01-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Byrider Franchising, LLC (MD)

I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo customer service Calle me XX/XX/2022 to make a payment over the phone. I provided them with my routing number and account number to deduct the funds from my checking account. The payment was processed successfully and funds were taken out of my account. Two days later I received a call indicating I was past due. I explained that I made a payment over the phone but they showed no payment had been applied. They then transferred me to the lost payment department. They requested I print out a copy from my bank account and fax the information over to them. I sent over the fax XX/XX/2022 and received confirmation that the fax was successfully sent. I have called several times times to check and see if the misapplied payment had been credited to my account with no resolution. As of today XX/XX/2022 I am still getting phone calls of a delinquent nature. They have yet to adjust my account accordingly. Whatever you can do to help resolve this issue will be greatly appreciated.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

PURSUANT TO 15USC1681g, 15USC1681h, and 15USC1681i I the consumer should be able to obtain my consumer report in any method offered by the agency with ease. HOWEVER EXPERIAN AND XXXX IS NOT LETTING ME CHECK MY REPORT WITH EASE I CAN NOT GET ANNUAL REPORT OR CHECK CONSUMER REPORT. WHEN CHECKING IT ASK ME INFORMATION I ANSWER IT CORRECTLY THEN IT SAYS UNABLE TO GIVE ME MY REPORT IT ASK ME TO FILL OUT A MAIL FORM. ACCORDING TO THE LAW I MAY RECEIVE MY REPORT IN ANY METHOD I CHOOSE.
Consumer complaint received 2021-12-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

For the past 2 weeks I have been trying to transfer the cash from my PayPal account to my linked bank account and they keep telling me the system is not allowing me due the amount and I should try again in 48 hours. I have made around 20 phone calls and sent 15 emails to get told we are sorry, its just a system security issue. I need the money in my account and I no longer know what to do. I want to sell the remaining Crypto in my account and the system wont let me do that. This is all about protecting Pay Pal and nothing to help the consumer.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-02-06
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  Owed : {$400.00} XXXX XXXX XXXX  XXXX XXXX  Owed : {$610.00} XXXX XXXX XXXX XXXX  Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX  Owed : {$1900.00} XXXX XXXX XXXX XXXX Owed : {$3300.00} AAXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  Owed : {$500.00} XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX FL ) XXXX Owed : {$340.00}