davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
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)

Experian llc .debt sold it agin to experianl account currently listed on my consumer report which is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in federal court for trying to collect on a debt that I do not owe them. I have never sign contracted with this company and demand that they provide proof that I signed a contract with them and agreed to pay them any money for the alleged debt. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since they will not be able to prove that I owe them any money, I demand these accounts be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follows Experian also fail to send a updated report to me also denied me any information on me in they file I recored our phone call as well saying the documents I sent wasn't legible but they sent in a dispute Experian has made this really hard to communicate with them I also has recored call with the members at Experian telling me they did a dispute with companies with the documents they said they didnt receives
Consumer complaint received 2022-06-06
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MO)

I received a call from an unknown number whose location was just from in town XXXX XXXX, MO ), so I thought maybe it was somebody from work. When I answered, it was an automated message saying it was important information regarding my Chase credit cards and I needed to hold on the line to wait for a representative. I did think it was important because I had just paid my Chase credit bills the night before. The representative picked up the call right away, did not ask for my name, and said that I was eligible for a 0 % APR for life on my credit cards. He started by asking for the last XXXX digits of my XXXX Chase credit cards ( and yes, I gave it ). He also kept asking for the expiration date on the cards, but I was not able to give him that info. He knew the current balances on both cards, he knew when I last paid and how much ( up to the cents ). I know this sounds stupid now, but at that time I was confused and I guess I was also tempted. He then started asking what other cards I had. I named all the others credit cards but did not give him the number. He kept asking question after question, I felt like he was rushing me into giving answers but also kept reassuring me and telling me to take my time. There was a lot of background noise, like it was an office filled with representatives. He asked for the current balance of my XXXX XXXX and I gave him some estimate to the best of my knowledge. He said it again that I was eligible for a 0 % APR - for LIFE - for ALL my credit cards this time ( not just my Chase ). He then asked for the last digits of my SSN and I gave it. He kept rushing to ask for more information. I was now more confused. I guess I was suspicious from the beginning, but was also being XXXX. I asked who was calling and he said he worked with Credit Card Services. I ended the call, and immediately another unknown number called from XXXX, KY. I declined that call, and then another unknown number called from somewhere in MO again. I blocked all the callers. Hours later, there was another unknown caller and I declined it again. At this point is when I started reading more about it and decided to report it.
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo has closed two of my accounts without my knowledge I have banked with their company for over 20 years and they have failed to comply and inform me of my account status and communicate with me to discuss my banking relationship and dangers of me being at risk of losing my account. XX/XX/2022 I received a direct deposit to my account which had been overdrawn for about 60 days, which covered most of the funds owed to Wells Fargo leaving a balance of {$17.00}, on XX/XX/2022 I had another direct deposit of {$960.00} that Wells Fargo rejected and closed my account the same day, they did not inform me of the closing of my account, I have written checks to pay bills because I knew the funds were going to be available XX/XX/2022 my tax check to be exact, I waited all day Friday checked my online account and it still showed the negative balance of {$17.00} get up Monday XXXX XXXX check my account I can't log in so I call and that's when the rep informs me the account has been closed, I don't understand how they can do this and not inform me now my bills are going to be delinquent and lights are going to be turned off tomorrow, they rejected my direct deposit on XXXX XXXX and closed the account the same day to tell me to was because the account had been overdrawn 55 days in which a direct deposit had been made XX/XX/2022. XXXX a single mother struggling everyday to make in this world and for Wells Fargo to just not think about my situation and stop my money and take theirs is inhuman and wrong, this is going to cost me more than I can afford and lose my place because my rent check was one of items that's going to be returned and im going to look like im writing fraudulent checks on a closed account which can cause me to go to jail, all because I was not informed at all about the account being closed until I called to inquire about not being able to log in online please help me please im a risk of losing everything I have for this one small inconsiderate move on behalf of Wells Fargo .Thank you for your time. Be Blessed
Consumer complaint received 2022-06-06
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

To Whom It May Concern, This is a letter to explain the reason I fell behind on my mortgage payment. In XXXX my husband fell is and had to be admitted into a XXXX home because I was unable to care for him. Having XXXX income at that time and the unfortunate circumstances caused me to fall behind in my mortgage payments. In XXXX due to unforeseen circumstances my husband passed away of XXXX on XX/XX/XXXX. I trusted someone to help me with my mortgage but because of the language barrier I paid XXXX XXXX XXXX over {$20000.00} for mortgage assistance. He was telling me the mortgage company needed payments. Later I learned this individual was power of attorney on my mortgage and the monies I gave to him for payments towards my mortgage was never applied because the mortgage company does not accept payments on an active foreclosure loan. These last 5 years has been detrimental for me and my family and I dont know where I will go at this age if I dont get some sort of assistance. No one explained I could have gotten a Covid-19 forbearance nor provided any information as to how I can begin making my payments again. Its as though instead of assisting to find a solution the mortgage company is trying to take my home and leave me homeless. Please help me save my home because I do not want to be on the streets at my age now being a XXXX  citizen. I have tried relentlessly to get a workout from PHH Mortgage and they have denied me every time. I later learned that there were Covid-19 forbearances and other programs to assist borrowers like myself but I was not offered any programs to help me get back on track. As a XXXX  citizen I feel as though I am being discriminated against due to my age. There are my other people younger than me that have gotten workouts from PHH after falling behind but I have yet to receive any assistance from this company. Can you please help me stay in my home? I dont want to be homeless at this stage in my life. Thanks for your assistance in advance. 
Loan number XXXX. 


Best Regards XXXX XXXX
Consumer complaint received 2022-06-06
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXccount # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXount # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

I have had a bank account with Wells Fargo for the past 9 years. I recently had a client of mine send some money approximately {$52000.00} dollars to my account from XXXX for diesel generators and after trying to withdraw the money from a local branch wells fargo closed the account. I immediately spoke to my client and informed her that since I can't physically get the money out she will need to have her bank retract the swift transfer. She did so immediately and wells Fargo replied her bank in XXXX stating that I need to authorize the return of the money and that they tried to contact me to do this but I was unreachable which is COMPLETELY FALSE. They have never tried to reach me. They only sent a generic mail about closing my account. Nothing else! After freezing my account wells fargo wants to hold on to the money that isn't theirs! I want them to urgently return the money back as it belongs to a small business owner! I will be filing more reports with other agencies including CFPB today as they seem to do this often. I have read many stories of how often they do this on reddit and I have a full idea of where to report them. Attached is the response from the sending bank XXXX ( In Spanish ) after talking to wells fargo on swift. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Attached to this report is the email the bank sent to my client after talking to wells fargo. Its in XXXX and it says wells fargo " tried to reach me ''. I am giving my 100 % authorization now for the money to be returned
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (PA)

XXXX under XXXX the attached page mention of a {$110.00} refund to a card that didn't exist XXXX O/D fee of {$15.00} which NEVER would have occurred had you NOT transferred MY MONEY to an imposter XXXX O/D fee {$15.00} same reason XXXX {$4.00} fee to allow ILLEGAL transfer of MY FUNDS to an imposter ; ( account to account ) XXXX {$1500.00} transfer to imposter A SOLIDAD helped me only get {$4.00} back from the {$150.00} plus NETSPEND has committed WIRE FRAUD by giving away my money THEN charging me specious fees due to these monies being given to an imposter
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Re : Dispute of Fraudulent Activity and Demand for Correction on XXXX bank credit card I am writing to formally to dispute the fraudulent activity on my credit report from XXXX bank stemming from the unauthorized use of my stolen credit card. Despite my prompt reporting of the theft to the issuing bank and local authorities. Police Report Number : XXXX, Date : XX/XX/2023 Was filed would XXXX XXXX police department. TransUnion has failed to correct the erroneous information. Fraudulent Transactions : I Demand for Correction : 1. Immediately remove the fraudulent transactions from my credit report. 2. Correct my credit score to reflect the removal of these transactions. 3. Provide a corrected credit report to all entities that have accessed my report in the past 12 months. Failure to Comply : If transunion fails to comply with my demands within 14 days, I will : Report to the Federal Trade Commission ( FTC ). Pursue civil litigation under 15 U.S.C 1681 ( Fair Credit Reporting Act ). Seek damages for negligence, defamation, and emotional distress. You are hereby notified that I will seek relief under : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) - 18 U.S.C. 1343 ( Fraud by Wire, Radio, or Television ) - State-specific consumer protection statutes Failure to comply will result in : - Actual damages - Punitive damages - Attorney 's fees and costs - Injunctive relief XXXX XXXX
Consumer complaint received 2022-06-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

my debit card information was compromised and some charges were made on my card that I didn't authorize in the amount of {$3100.00} in I believe XXXX of XXXX I immediately notified bank of America by filing a dispute. they credited my account and I received a notice a week later saying the credit was being made permanent. 2 months later they reversed the credit and I've since had the reopen my claim 2 times and they reopened it their self on XX/XX/XXXX and even though it's been past the 90 day time frame for a dispute have still yet to provide me of a resolution to this claim.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State I have the right 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 2022-06-06
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. (MO)

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX Account # XXXX ) has violated my rights. 

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-06-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (FL)

New Day USA-Deceptive advertising. 
I've been seeing this companies comercials everyday and the continue to give misguided and deceptive information. 
I have reached out to the numerous time with NO response. 
They have a history of this and has been fined in the past. 
I'm a Veteran and a XXXX XXXX XXXX  They need to be fined again ....
Consumer complaint received 2022-06-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc. (MI)

I had to contact Southwest Recovery Services by phone to get their correct address because I sent them disputes and they kept coming back to me as undeliverable because of incorrect address. I sent it to the address which they provided on my credit report. 
After they gave me another address of XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX, I mailed the most recent Dispute and Notice of Debt Validation to them on XX/XX/2022. I have stated to them several times that I do not recognize the debt which they are reporting to my consumer credit file. Southwest Recovery Services has not replied to validate this alleged debt. They have also provided incorrect address to me so that I can not dispute the debt with them in writing.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dear CFPB and TransUnion, I am writing to formally report fraudulent activity related to my credit report due to the theft of my personal information. Since this identity theft occurred, there have been multiple unauthorized attempts to apply for credit cards in my name, resulting in XXXX fraudulent inquiries listed on my TransUnion credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am not responsible for these fraudulent inquiries, and I am requesting that TransUnion take immediate action to remove them. The law mandates that you investigate and remove any inquiries that can not be verified as legitimate. 

Below are the fraudulent inquiries that must be removed from my credit report : 1. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. **XXXX XXXX XXXX** Inquiry Date : XX/XX/XXXX XXXX. **XXXX XXXX XXXX** Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. **XXXX  XXXX** Inquiry Date : XX/XX/XXXX According to the FCRA, you are required to complete your investigation and respond to my dispute within 30 days. I expect confirmation of the removal of these inquiries within this timeframe. 

Thank you for your prompt attention to this serious matter. Please feel free to contact me at the phone number or email address provided above if you require any additional information. 

Sincerely,
Consumer complaint received 2022-06-06
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX and Account name XXXXXXXX XXXX XXXX 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