davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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. (SC)

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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX / account # - XXXX / {$640.00} XXXX XXXX XXXX XXXX account # - / {$2100.00} XXXX XXXX XXXX XXXX XXXX ( XXXX bank )/ account # - XXXX / {$68.00} XXXX  XXXX account # XXXX / {$1100.00} XXXX XXXX  XXXX XXXX account # - XXXX / {$2200.00} XXXX XXXX XXXX XXXXXXXX XXXX account XXXX - {$18.00}
Consumer complaint received 2016-12-15
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Suttell, Hammer & White, P.S (WA)

Debtor timely responded to debt collection lawsuit by filing an appropriate Answer and Notice of Appearance. Plaintiff debt collector then filed a Motion for Default twice and denied receiving the Answer, which there was proof of filing, mailing, and proper service.
Consumer complaint received 2019-12-08
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. (VA)

ear Sir or Madam : I am concerned about the validity and accuracy of XXXX XXXX recent investigation of the following accounts that are reporting on my credit report : DEPT OF EDUCATION/XXXX  XXXX {$9000.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$3900.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$6700.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$3900.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$5100.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$7200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$5100.00} XX/XX/XXXX DEPT OF  EDUCATION/XXXX  XXXX {$6600.00} XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX XXXX {$560.00} XX/XX/XXXX On two separate occasions, I have requested an investigation because I felt these items on my report were not being reported legally. I received a letter stating that their investigation complete. My initial dispute was detailed and directly related to the accounts in question. 

The Department of Education was not able to validate any information after I sent a certified letter to them. XXXX  stated that everything was verified but showed no evidence of this after I asked them to supply the information. These accounts should have been deleted from my account and should not be reporting to the other CRA because proper and legally required validation and verification did not take place. 

I've followed the legal and rightful process to dispute these accounts several times with the bureaus through written and signed requests regarding being a victim of identity theft. The letters were sent through certified letters, with USPS tracking numbers. Each letter was signed and received. 

The sole purpose of this letter is to inform you that I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file.
Consumer complaint received 2019-12-08
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$2000.00}, {$17000.00}, {$7500.00}, {$6900.00}, {$5500.00}, {$8000.00}, {$6500.00}, {$15000.00}, {$10000.00}, {$10000.00}, {$1000.00}, {$8900.00}, {$26000.00}, {$4600.00}, {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 








5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6900.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

7. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

8. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6500.00} -This is not my account. 

9. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

12. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

13. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8900.00} -This is not my account. 

-- PERSONAL ACCOUNT 14. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4600.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account.
Consumer complaint received 2019-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (DE)

To whom it may concern : I received my credit report and found that information from ( XXXX ) was reporting inaccurate information on XX/XX/2019, I sent a letter disputing the information to XXXX XXXX, they verified the information as accurate. On XX/XX/2019 I sent another letter disputing the incorrect information with XXXX  allowing 15 days to reinvestigate my dispute, again it was verified as accurate. On, XX/XX/2019, XXXX, XX/XX/2019 I sent a letter to the collection agency ( ERC ) to verify proof that I have a contract with them, they sent me a bill, never answering my question and showing no proof. My rights have been violated by the reporting agency and the collection agency, they are damaging my credit history with false and inaccurate information. By refusing to delete this account.
Consumer complaint received 2023-03-07
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 (TX)

Dear XXXX XXXX, In reference to Consumer Financial Protection Bureau Complaint No : XXXX, I hereby respond as follows : I hope this email finds you well. I am writing to inform you that PayPal Risk has completed their unauthorized review under the assumption of stolen identity, and I have received the outcome of the case. I am pleased to inform you that the case has been decided in my favor. 

As I have been proven innocent, I would like to kindly request that my PayPal account be fully restored, including the balance that was taken as a second recovery. I assure you that I will now be using my PayPal account from my true location and will not be using any anonymizing proxy service. I am currently in the jurisdiction of the XXXX XXXX, and as such, I am accessing my PayPal account from the corresponding jurisdiction. I am also open to providing my passport for verification purposes. 

Additionally, I would like to inform you that any previous documents received under my PayPal account ( s ) were unauthorized, and I was not the one who submitted them. For your reference, I have attached my valid driver 's license with this complaint. I have also email you on the email provided but I am yet to receive a response, therefore I am making this complaint. 

I appreciate your prompt attention to this matter and your help in restoring my PayPal account. If you require any further information or documentation from me, please do not hesitate to ask. 

Thank you for your assistance. 

Best regards, XXXX XXXX
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PMAB,LLC (NC)

XXXX refuses to remove two accounts which are not mine. I disputed and they assume it is correct- IT IS NOT- I HAVE SPOKEN TO INDIVIDUALS IN XXXX, XXXX, XXXX AND  ITS NO WONDER MY CREDIT IS A MESS. THESE individuals speak little english and it is frustrating just for them to tell me they cant help me. How is it possible it takes someone 10 seconds to open a high intrest/credit card and me the rightful owner of the information almost a year to try and remove? This is a disgrace to anyone who works hard everyday and care about their credit.
Consumer complaint received 2022-11-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (VA)

This is not the first time I noticed this part that shows another fee of {$60.00} or other times I just pay it but today I called them and asked them what it was for and why was my payment higher again. This time I was told my payment was higher because the taxes were higher. I don't get it because they say that a lot. Then {$60.00} I was told it was for an NSF fee which I had to send in a full bank statement showing I have never had an NSF with them, in XXXX or anytime, and the {$35.00} fee was for coming out to my property last year to see if I was still living here. I was like who does that? Of course, if I am paying my mortgage on time each month there is no reason to come check. It seems like there are always extra fees being added to my loan and I was a full investigation done on my account. I think the mortgage company is playing games and stealing people 's money.
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

Customer paid me with a check from XXXX Bank. My bank Wells Fargo put a hold on it for irregular signature. Customer has verified that the funds have been taking out by Wells Fargo. If Wells Fargo has it, why are they waiting to release until the XXXX. They are using the money for themselves before I even see it.
Consumer complaint received 2019-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank reduced the credit limits on my cards without notice to me. I called and was informed that I'd be receiving a letter outlining why this action was taken. I asked for the contact information for Synchrony corporate and was told by several supervisor 's that there wasn't a number to call because corporate doesn't want upset consumers contacting them. Because Synchrony reduce my credit limits by more than half it reduced my credit score by a large margin. The one letter I received stated my limits were reduced because I didn't have a verified estate loan. I've always paid my bills on time, never missed any  payments
Consumer complaint received 2022-10-01
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. (SC)

Information added to complaint IDs : XXXX I have made disputes with XXXX, Experian, and XXXX for the collection account inaccuracy reported by XXXX XXXX XXXX XXXX XXXX 3 different account numbers to the credit bureaus in XX/XX/2022. 

Experian account number reported : ending in XXXX XXXX account number reported : ending in ending in XXXX XXXX account number reported : Ending in XXXX XXXX, XXXX, and Experian have failed to investigate the accuracy of this collection.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (WA)

On XX/XX/XXXX. A hard inquiry was done for a CITI Costco card which was approved and sent to me. I did not apply for this. On the day it came in, I called CITI and they cancelled the card. On XX/XX/XXXX I received a letter from CITI asking for clarification of a suspicious purchase. I called in and found that while the card had been cancelled, the account itself was still active. It is now closed. I did receive the information that there was a name of XXXX XXXX attached to the account. ( I do not know this person ) I called XXXX to have the inquiry removed from my credit report and that is where I am at now.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

Deposit {$3000.00} but atm only showed {$600.00} so I hit cancel to return my money but it only gave me {$1000.00} and kept the other {$2000.00}
Consumer complaint received 2019-12-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (DE)

To whom it may concern : On XX/XX/2019 I wrote a letter to Trans world Systems, XXXX XXXX XXXX, XXXX, DE XXXX ( collection Agency ) concerning medical bills ( 3 ) in total. I requested proof of contract to substantiate their claim to collect. They responded with a bill, not the proof I requested, within 30 days. On XX/XX/2019 I wrote another letter stating they are violating ( The Health and Insurance Portability Act ) giving them an additional 30 days to respond, with proof that I have a contract with them, and they sent nothing! So, on XX/XX/2019 I wrote another letter to ( Trans world Systems ) a third time giving them an additional 10 days requesting proof, they sent nothing. On, XX/XX/2019 I wrote a letter to XXXX XXXX the ( original creditor ) asking them to send me proof that I gave them permission to give my medical info to a 3rd party ( Trans world Systems Collection Agency ) they never responded. I'm filing a claim against Trans world System Collection Agency who has continually reported to the three credit reporting agency derogatory medical collection, violating the law. Please assist me in this matter, as you can see I've communicated with them several times month after month to no resolve. Thank you for your time. 

It's reporting on my credit file as follows : 1. Trans world System, Partial Account # : XXXX, Amount : {$430.00} 2. Trans world System, Partial Account # : XXXX, Amount {$120.00} 3. Trans world System,  Partial Account # : XXXX, Amount {$120.00}
Consumer complaint received 2021-11-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc. (AZ)

This website actively discriminates against artists of color from utilizing their website. When asked why my application was denied, they refused to provide a reason. Under Title VII of the Civil Rights Act of 1964, no business is allowed to turn away a customer based on their status as a member of one of these protected classes. 

As a customer of their platform, I have to be given a reason why my application to sell art was denied.
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (NY)

I opened a loyalty checking account online with XXXXXXXX XXXX XXXX on XXXX I deposited money to fund the account on XXXX  & then authorized payment of {$2500.00} by direct deposit from my XXXX account on XXXX XXXX XXXX  locked the account on XXXX  because they detected some kind of fraud and sent me a letter to that effect on the same date. There is no evidence of any kind of fraud by me or anyone else. They told me I had to wait until I got the account closed letter in the mail. this never came. The account remains locked and I have no access to the money. I have called at least 4 times and I'm getting the runaround. I called again today & was told they haven't decided if they are going to close the account. I told them I wanted to close the account now. Then they told me I would receive a check in 7-10 days. I said I wanted to close the account now and have access to the money so it could go back to XXXX. The agent transferred me to Key Bank & they hung up. i was on the phone for about 40 mins and got nowhere. At this point I just want to transfer the money back into my XXXX account. The account is still locked and the money is locked up with it. I hope you can help me with this.
Consumer complaint received 2016-12-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

Enclosed is a letter I Sent to USAA BANK certified and registered. I sent it to the ATTORNEY GENERAL and as promised, I am sending it to the media. If you are in trouble or with USSA BANK and having same or similar issues with them from illegal stealing of account money, closing accounts and not telling you, keeping your insurance claim money, lying, refusing to call back on legal matters that FTC commission deems as bad faith or if you dealing with XXXX a CEO or XXXX XXXX XXXX XXXX at USAA BANK and want start a class action lawsuit against them call me, if you are FTC or a regulator or an attorney please call me, I have more than enough proof on every department of USAA BANK as being theft related, also USAA BANK better remember one thing clear, they do not have stock holders are not federal, and claim the members are part owner, so if that is the case, WHERE IS MY MONEY
Consumer complaint received 2019-12-08
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. (FL)

Upon checking my credit, I noticed 2 accounts reporting from XXXX XXXX XXXX. Subsequent to noticing these accounts, I sent over validation of debt request to this agency for accounts : Account- XXXX {$700.00} Account XXXX {$670.00} I was not sent validation of debt from this company. As a consumer I then disputed this account with Equifax on dispute confirmation # XXXX, on XX/XX/2019 I received back the results of this dispute and the collection agency stated on these 2 accounts that the " The information you disputed has been verified as accurate. '' As a consumer I find this peculiar because the collections agency was unable to validate the debt. I then sent the credit reporting agency request outlining my rights as a consumer under 15U.S.C 1681, FCRA 611 ( a ) ( 7 ) in this letter I requested that the credit reporting agency send me a complete description of how this account was validated. I requested to names and contact information for whom the reporting agency spoke with, as well as a copy of all documents provided to them from the collection agency to which they are still reporting. I received nothing but a generic letter that basically stated the very same thing that the erroneous dispute did, just that the account was verified. As a consumer I am following up on my next course of action which is to file a complaint with you in regards to this issue in hopes this will get resolved and I do not have to move to the next step of filing a lawsuit which I completely intend to do as these accounts are having a negative effect on me as a consumer and these accounts are in error and the credit reporting agency is not following the law.
Consumer complaint received 2019-11-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: QC HOLDINGS INC (NM)

I have 9 payments due on the XXXX of every month from XXXX to XXXX. I am suppose to call or come in and pay. I haven't had to call or come in and pay because the money is coming off my account with out my approval. And on the wrong day. Today is the XXXX  and money has been taken out of my account.
Consumer complaint received 2022-11-10
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: Conn's, Inc. (TX)

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : CONNS APPLIANCES INC ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX  ACCOUNT # XXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE