davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (AZ)

In 2022 I was introduced to online casino called XXXX, but I didnt like it so far since I was a fan of XXXX XXXX. Suddenly I was hired by XXXX XXXX XXXX in XX/XX/2022, and I was so busy I was not participating in any betting, till around XXXX. Within the period I was driving I checked my banking account and I found out that I was charged {$100.00} on XXXX. I tried to call them but they didnt have their contact. I did online charting but I never got helped. So I went ahead and claimed my money back since I never used it. Suddenly I found out XXXX XXXX reported my money which they took without my permission. I been receiving calls and when I explained the above information to them they referred me to come here and see if my problem will be solved.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (LA)

On XX/XX/XXXX I applied for an extension of credit with CareCredit for a CareCredit card issued by Synchrony Bank and a few days later I received an adverse action letter stating I was denied. I am not attempting to be troublesome nor am I outright disagreeing with your companys decision. I would just like to know what laws or procedures were used to come to this determination. could you provide me with the exact subsection that was used? Can you also provide me with what part of the law says I have to abide by the credit score you choose to use, or that this transaction even needs to be reported. The cfpb states in XX/XX/XXXX Key Dimensions and Processes in the U.S. Credit Reporting System section 3.1.1 that credit reporting is voluntary and always has been which mean its not a determining factor so how are you judging based off of a voluntary system? company procedure does not supersede federal law. This is a direct violation of my rights of a consumer 15 usc 1602 ( f ) tells me credit is my right. I can not be denied a right. 15 usc 1602 ( p ) makes it clear that you committed fraud and used my credit card 15 usc 1602 ( l ) ( social security card ) without authority, and I received no benefit with no statute of limitation on fraud this claim is still valid. 15 usc 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights. Now I would hate for this situation to escalate I am sure you are just doing your job but I am now holding Synchrony Bank criminally liable. I am willing to let all of this go does the right thing and reverses this decision thank you. Attached is the adverse action letter which serves as proof of the fraud youve committed and proof where the cfpb states credit reporting is optional.
Consumer complaint received 2022-08-18
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balanced Owed : {$0.00}
Consumer complaint received 2022-08-18
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. (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 this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 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's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-08-18
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. (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 this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 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's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible!

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2020-12-17
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. (OH)

I previously submitted a Police Report and FTC report because of identity theft. I am trying to purchase a home and there are still items on my report that do not belong to me : XXXX XXXX
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I am an authorized user on the attached XXXX  XXXX XXXX credit card - I want this to accurately report to my credit report. 

Attached to this complaint are : - My drivers License - My social security card - My address - My XXXX  XXXX XXXX credit card that needs to report accurately
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 2022-08-18
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 this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 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's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

I applied for an extension of credit on XX/XX/2022 and received an adverse action letter stating I was denied. 
Chase stated in the attached letter the reasons for their decision was based on items that were on my XXXX credit report. I did not give them written permission for them to access my credit report. Company procedure does not supersede federal law. This is a direct violation of my rights as a consumer. 15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right. 15 USC 1602 ( p ) makes it clear that they committed fraud and used my credit card ( social security card ) without my authority and I received no benefit. 15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights.
Consumer complaint received 2020-02-06
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. (FL)

I am requesting to remove the bankruptcy from my credit report because that on was to old and you supposed to removed a long time ago. 
Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.
Consumer complaint received 2022-08-18
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXX
Consumer complaint received 2020-12-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (AL)

I received a call that stated they had an important message for me. The number didn't show up, it only stated " spam risk '' because I have a filter on my phone. I pressed # 1 and it took me to a live individual that questioned me about a collection from GE Money Bank. 

They noted the following : -The account was opened in XXXX ; and a {$150.00} payment was made in XXXX that kept it current -The correctly stated my current address, last four of social and date of birth -They advised it was about to be sent to litigation I advised I did not know what this was and that I just bought a house last year so if I had any collections, this would have shown up. I noted that the one red flag I did have, was resolved prior to me purchasing my house in XXXX of XXXX. 

I questioned what was it for and she said she wasn't sure, it was either a line of credit or a car loan. 

I said I don't know what this is and if it was an account of mine I am sure it was paid because I have worked to clear my credit. 

She said well you sound sincere and since I can't explain it, I am going to remove it. I am concerned because she had all of my personal information correct except my full social and I am not sure if they can still commit identity theft.
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc. (TX)

I have reviewed my consumer credit report and I noticed some unauthorized accounts under 15 USC 1681 number 3. Experian assumed this role without permission not only that you did not have my consent. Experian did not respect my privacy pursuant to 15 USC 1681 a number 4. Experian did not exercise its grave responsibility, the company was unfair, and partial. The company never had a permissible purpose pursuant to 15 USC 1681 b number 2. I never instructed or gave any consent for the to be reporting in the first place. What I am demanding now is that you all delete the accounts off of my report.
Consumer complaint received 2022-08-18
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. (MD)

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to TransUnion and XXXX credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-08-18
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the 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. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$450.00}
Consumer complaint received 2022-08-18
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. (NC)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

We are XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX we were one of the exhibitors of music show XXXX XXXX in XXXX, California. 
On XXXX XX/XX/XXXX we wired XXXX USD from our XXXX XXXX account ( XXXX XXXX XXXX, acount no : XXXX, route XXXX ) to Wells Fargo Bank account ( ACCOUNT NUMBER : XXXX, XXXX : XXXX ) as a payment for booth construction at XXXX show. And only after doing it we found out that the beneficiary of funds was a fraudulent supplier, who never had intention to build our stand. We declared the crime to FBI and claimed our bank to cancel the transaction at same time. But the only thing we received from Wells Fargo was an answer that we should deal directly with a company who cheated us, knowing perfectly that we got a victim of internet crime and would not obtain any answer back from the company which cheated us, once they got funds. 
i enclose invoice we received from the fraudulent company, our payment confirmation
Consumer complaint received 2024-03-22
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Bank On XX/XX/2024 at XXXX XXXX, my fianc and I went to the Fifth Third Bank Location in XXXX, Ohio ( XXXX Ohio XXXX ) to deposit {$350.00} into their newer ATM ( branch is less than 3 months old approx ). Upon the door of the machine opening to retrieve my XXXX, XXXX dollar bills and XXXX, XXXX dollar bill ; the machine started violently chomping and came close to getting my hand. The ATM ultimately took my cash and didnt deposit it into the account or show any record of it on my account. I am on camera depositing this money and have the time stamped receipt for proof of deposit and that the ATM did indeed have an issue on their end. Another customer came in while I was in the office of a branch banker the following morning ( XX/XX/2024 ) and had the same exact issues and they turned him away with a paper telling him to call disputes and that there was nothing they could do for him. They attempted to get me to do the same but that {$350.00} was my car payment that has now bounced. And for some reason they have my account NEGATIVE. - {$500000.00}. 
Yes, you read that correctly, a single unemployed mother somehow has a - {$500000.00} balance her bank. I havent worked since XXXX due to health concerns and XXXX  healing time. I didnt have {$350.00} for them to take for 8 business days that they said it would take. Now somehow my account is negative {$500000.00} and I have not been contacted on when this will resolved yet. Its been 3 days and my account is still negative - {$500000.00}. I became quite angry after approximately an hour of going back and forth with staff to resolve the issue so my account doesnt get behind again but made no threats towards anyone in the bank and raised my voice in front of other customers to make them aware of the situation so they dont use the ATM like I did.
Consumer complaint received 2022-08-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (NY)

On XX/XX/XXXX, I decided to pay off my XXXX XXXX XXXX XXXX. I brought a money order ( negotiable instrument ) to clear the debt. I added a provision to the money order which clearly states I accept your offer of {$15000.00} for valuable consideration and tender this payment for complete amount in Accord and Satisfaction upon redeeming this instrument. Under UCC 3-603 ( b ) If tender of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. Furthermore, under UCC 3-311, Accord and Satisfaction ( d ) knew that the instrument was tendered in full satisfaction of the claim. Westlake Financial Services received the payment, accepted the money order and then cashed it.
Consumer complaint received 2022-08-18
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. (FL)

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!