davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-11
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: Experian Information Solutions Inc. (CA)

To Whomever this may concern The results from an Investigation by XXXX in XXXX of XXXX  resulted in the DELETION of ( XXXX ) Accounts furnished by XXXX XXXX XXXX ( Account ( XXXX ) # XXXX and # XXXX ). These accounts were deleted because they could not be validated due to their fraudulent nature. I have since diligently attempted to get EXPERIAN to comply with the law as well. Experian continues to deny me my right to an accurate credit report after multiple disputes, as well as proof that the collection account furnished by XXXX XXXX XXXX is the result of identity theft. According to 15 USC 1681 s-2 ( b ) ( D ) : if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis. The negligence and unruly behavior demonstrated by both XXXX XXXX XXXX and EXPERIAN have resulted in immense adverse actions and damages. Please delete and block any and all accounts furnished by XXXX XXXX XXXX  immediately. 

XXXX XXXX XXXX
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank drafted my checking account on incorrect date which was set by XXXX app. It was set to draft on Wednesday XX/XX/2021 because that is my pay day ( weekly direct deposit from employer ) but it drafted on Tuesday XX/XX/2021 putting my account into negative {$290.00}
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2020-09-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2021-07-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I has been tried my patience to solve the issue which is the Santander bank used my {$370.00} installment monthly payment only applied for the interest for the past 4 months, non of it went to pay for the principle. I went to the bank and spoke to Rep. a few times, and also made phone calls including today, but the issue has not been handled at all. 

According to the monthly statement, about XXXX of the {$370.00} supposed to pay for the principle, but the bank used the whole {$370.00} only for the interest!!!!!!!!!!!!
Consumer complaint received 2018-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (CA)

In correspondence dated XX/XX/2018 I sent this company my disputes in regards to validation of the debt they say I owed them.To my surprise, this company did not validate, neither did it indicate that I have disputed this account : CREDIT PROTECTION ASSOCIATION ACC # XXXX As a result, this company is in violation of FDCPA and California Credit Reporting Act, firstly, failing to mark the account as disputed on the credit report. And secondly for failing to validate the account. 

These my final correspondence after which am prepared to file a lawsuit against them Attached : Copy of my initial letter to this snapshot of account from latest report, showing the account is not showing disputed Small claims form ( sc-100 )
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

I was given a " XXXX XXXX Debit gift card '' as a XXXX gift in XX/XX/XXXX. I did not try to use the card until recently in the first week of XX/XX/XXXX. I went online to register the gift card online as instructed on the back of the card. I discovered that fraudulent charges were applied to my card, which was surprising because the card had been in my possession the whole time. 
I immediately called customer service ( XXXX XXXX XXXX XXXX XXXX ) to inform the company and file a dispute in order to get the funds returned to my card. However, each time I called the company I was given different information as to what I needed to fax over and each time I faxed documents over I was told that those faxes had not been received and I needed to fax additional documents. ( See Attachments ) After the third call to them I was told that my account was closed because I did n't call within the 120 days from the first fraudulent charge. However, there was nothing in the advertisement that stated this but in order to get some consideration I must send another fax requesting the Letter of Consideration. In the end, I am constantly given the run around, always with different and various instructions. It is as if they were hoping that I will finally give up from frustrations of consistently getting the " run around.
Consumer complaint received 2022-11-16
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.
Consumer complaint received 2021-05-24
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. (AZ)

XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, Experian, XXXX and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau.

- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact XXXX XXXX XXXX and ExperianXXXX XXXX, and XXXX correct and remove this inaccurate info from my credit report.
Consumer complaint received 2021-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE (TN)

On or around XX/XX/XXXX I discovered I was unable to login into my Charles Schwab checking & brokerage accounts. I have around {$300.00} in checking, and {$6000.00} in brokerage accounts ( one auto investor, one basic investment ). When I called customer service, I was told I my account was locked and in their fraud investigation department and that I would hear something in 3-5 business days. I've called at least 4 times, generally beginning and ending of each week, with the last time on XX/XX/XXXX and am always told the same thing - 3-5 business days and that they would email/contact the fraud department on my behalf. It's now been almost 3 weeks without access to my funds. I want to stay with Schwab based on others positive experiences, but if customer service is like this ( holding my money hostage ) then I may question whether I should. I need assistance either getting my account access back or my funds.
Consumer complaint received 2021-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Executive Credit Management, Inc (PA)

The collection was opened XX/XX/2019, I sent letters to the collection agency, I wrote letters to all 3 three credit companies. everyone has failed to provide me documents saying what's the money I owe, copies of any paperwork showing that I agreed to pay what they say I owe or provide any license numbers, registered agent paperwork or anything of that.
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Original request sent via CFPB portal on XXXX XXXX XXXX XXXX XXXX XXXX. To whom it may concern, This is in reference to my/our consumer report. While checking my/our consumer report, it came to my/our notice that your company has furnished an account on my/our report. According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my/our rights as per 15 USC 1692c ( c ) I/we are hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
Consumer complaint received 2021-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

Around XX/XX/2020, I was sent money from my uncle to help pay for bills and other living expenses that I had at the time and PayPal limited my account and asked for specific info and documents to verify my identity at which point in time those things were provided without delay. A few days later I was informed that I could no longer use their services and that I had to wait up until 180 before I could receive my funds. Fast forward 180+ days and no one at PayPal can tell me anything as to why I still cant get my money after 6 months of being inconvenienced already.
Consumer complaint received 2021-07-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (NY)

The Statute of limitations to collect the debt based upon FTC Law and Federal Truth In Credit Reporting Act has expired for Santander Consumer USA and XXXX XXXX Bank has expired as when the last payment was made on each accounts. 

In addition, the original Santander Consumer USA original contract was void/and or null as terminated. Do not owed any money and continue to illegally report as late and past due as a negligence with failure of due diligence law. 

XXXX XXXX Bank offered a additional settlement offered as a compensation which they have also failed to honor under a legally bonded class action. Continue to report incorrect information. The six years requirement is met.
Consumer complaint received 2021-07-13
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. (LA)

Remove fraudulent activity from my credit report, enclosed with this complaint is a copy of certified dispute letters that was sent out the Bureaus, I am fade up with this information being on my XXXX credit report, I had no XXXX idea that someone would do this XXXX too me. Delete this information please and send me a copy of my updated credit report. I am being ignored for some XXXX I had no knowledge about.
Consumer complaint received 2017-12-21
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: Security Credit Services, LLC (NY)

I pulled my credit report and saw two entries for the same company Security Credit ServicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX. 

One entry was for a collection account of {$910.00} and another same company for {$1100.00}. I tried to contact on the company on XXXX/XXXX/XXXX and they told me that I was well aware of what the debt was for and that they needed my ssn and my current work location. I refused and told them to remove this erroneous entry, was put on hold for 23 minutes, when i finally hung up. 
I haveno idea what this collection debt is and I want it removed from my report immediately. I am a XXXX XXXX XXXX veteran and I am trying to buy my first home within the next 15 months and this false entry is really hurting me.
Consumer complaint received 2021-05-05
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. (WY)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-02-06
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: ENCORE CAPITAL GROUP INC. (FL)

Almost every day, a collections agency keeps reporting the same wrong collections to XXXX  and several other agencies they are allowing this company to report the same wrong issue and therefore my FICO credit score takes hits. I am trying to open disputes but theyre closed and they side with the aggressive power MIDLAND CREDIT collections which is known for their bad behavior ( your agency has sue them numerous times ) this company will not return my attorneys or my letters or calls to rectify and they are illegally violating my rights pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681. This company wont produce the documents to verify these collections.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

I have two Citibank credit cards linked to Costco but usable at other businesses as well. I use one of the cards all of the time and typically do not use the other. I also opened a Costco member credit account for the installation of a new furnace in XX/XX/XXXX. After installing the furnace I started to get monthly robotic calls telling me to go online and check my account. When I went online the only account showing was the card I used. I thought the calls were generated to remind me of the upcoming payment date for the furnace installation. On XX/XX/XXXX I received a personal phone call from a female person who said she was with Citibank. She was asking for personal information which I told her I would not provide until I knew what this call was about. She wouldnt tell me so I told her I did not know why she was calling as I do not want or need more credit, I do not have any past due bills and so I can not think of why she is calling. I told her if she wouldnt tell me what the call was about I was going to hang up and I did.Later I received another call and was able to determine that they were calling due to a 6 month past due bill on the card that I dont use. Through the course of 6 phone calls and over two hours of conversation I found out there were two charges made as follows ; XX/XX/XXXX for gas at Costco {$31.00} and XX/XX/XXXX for a Costco in store purchase of {$100.00}. 
I keep receipts and statements and was able to find a receipt for {$1000.00} but not for the gas purchase although I probably made the purchase. The only bill I had from Citibank for this account was from XX/XX/XXXX where I paid off the existing balance. I was advised that I owed {$360.00} due to finance charges and fees. I told them I would not pay the fees or finance charges as I had no way of even knowing a payment was due. I did not receive a bill, this account did not show up on line and I did not receive any email notification. So how would I know a payment was due. I told the representatives ( I had to tell multiple people the same thing over and over ) that I never got a bill so I didnt know a payment was due. I asked over and over for the call to be escalated to higher level and was told I could get a call back in two days. I resisted having to wait two days but told them to proceed. In the last call I made a telephone payment for the charge amount of {$100.00}. At this time I am concerned that they will continue to add fees while I try to get these unfair fees removed. 
They did not let me know I owed anything as I never got a bill. They directed me to a site where this account didnt show. They refused to rectify the problem when I pointed out the facts over and over again to multiple people. I believe this is an unfair practice to steal money from customers under the threat of damaging your credit. My record for payment is excellent I had paid thousands of dollars to them on my other two accounts where I receive bills.
Consumer complaint received 2021-07-13
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. (OR)

Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.