davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-19
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. (FL)

XXXX, XXXX XXXX SOC SEC  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX CREDIT COLLECTION SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-04-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NV)

I have a debt collection on my credit report from XXXX XXXX XXXX I've been trying to have removed ever since i seen it. I've asked XXXX XXXX for details in regards to how they've come up with the number of {$270.00} they have never produced anything. I believe this collection account stems from a auto renewed costco membership that was tied to a XXXX i think its from back in 2016 that account was never supposed to have been auto renewed when it was i called costco and they said they reversed the charge and stopped it from auto renewing i literally never purchased on that card however i cant be sure that its that same account because XXXX XXXX has never produced a detailed list of what the debt actually is. Ive spoken with XXXX multiple time trying to dispute this but have gotten nowhere any help you can provide for me id be grateful for thank you
Consumer complaint received 2020-05-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (NY)

I opened a money market account online with BMO Harris Bank on XX/XX/XXXX. I funded the account with funds in my checking account at XXXX. I received a phone call on XX/XX/XXXX from XXXX in the Fraud department at BMO Harris. I called him back on XX/XX/XXXX it went right to voicemail. He did not call me back. I called again. Again no response. I waited awhile and called customer service. They said my account was frozen and I had to speak with XXXX. Again no response. I waited again because of the Covid-19 situation but how long must I wait. 
I recently used contact us to leave them a message regarding a problem depositing or withdrawing funds ( I can not ). I have now received a message back that I must call XXXX XXXX. I can not access my money and no one else will talk to me. This XXXX never calls me back or contacts me. I have NOT received any letter from the bank that there is any problem with my account.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC (GA)

I was in Forbearance with Loan Depot and ended it XXXX 2022. I have been making regular payments and was being told do not worry about being reported late we are still waiting on the Dept of Veterans Affairs to do their part and it will get your account back in order. So since my acct was in this forbearance period it looks past due which means I can not make payments online so I have to call in. I make payments and anytime I get a notice I get afraid of being reported late so I call them and get reassurance I wont be reported late. I woke up this morning to a alert that LoanDepot had reported my acct 180 days past due. I called to confirm that they were still waiting on the VA then I asked if youre still waiting on the VA why was I reported late to the credit bureau to which the rep had no response. No one has contacted me or understand how this has affected my credit.
Consumer complaint received 2023-01-12
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account Name : XXXXXXXX XXXX XXXX XXXX  XXXX, Account name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( AX ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. If you can not provide documentation, you must remove these from my credit report, thank you Sincerely Yours
Consumer complaint received 2023-01-12
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)

Hello, Monetary Authority, my PayPal account is permanently XXXX. 
I received cash withdrawal email notification after 180 days of account balance, but I still can not complete the linked bank and cash withdrawal. I have contacted the customer service representative many times and the problem has not been resolved. Please help me, thank you
Consumer complaint received 2023-01-12
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. (NY)

on XX/XX/XXXX I file a dispute, with experian for the XXXX time, for a XXXX closed account. for errors with dates, payment history. The removel XXXX XXXX XXXXXXXX account to be removed off credit report was wrong also. So i recieved, dispute results XX/XX/XXXX and again for the XXXX time nothing was changed. the same information updated. And a - XXXX point drop, with experian on my credit report. This is not correct.
Consumer complaint received 2023-01-12
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. (NJ)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand listed below be removed because the accounts According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission these accounts.

to furnish 1.Validate Account XXXX XXXX XXXX Account Number : XXXX : 2.Validate XXXX XXXX XXXX XXXXXXXX Account Number : XXXX 3.Validate Account XXXX Account XXXX, XXXX Account XXXX Validate Account XXXX  Account XXXX XXXX. Validate Account XXXX XXXXXXXX Account XXXX Validate Account XXXX Account Number:XXXX Validate Account XXXX Account Number : XXXX Validate Account XXXX Account XXXX Validate Account XXXX
Consumer complaint received 2023-01-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

Resurgent / LVNV Funding, LLC are a collections Company that appears to purchase the debt from the original alleged creditor which is XXXX XXXX XXXX XXXX. They were removed as fraud from my cunsumer report. 
LVNV Funding, LLC / Resurgent is using my nonpublic personal identifying information to include my social security number WITHOUT my express consent or authority. I deny and object to the liability on account : XXXX as I am not a Debtor BUT a CREDITOR who acquired consumer goods to be used primarily for personal, family, or household goods. The Three credit reporting agencies are directed to remove said inaccurate information as it causes the CONSUMER undue hardship and reduces my lending / selling ability and purchasing buying power through commercial disparagement which is a form of Identity Theft of property. This private entity changed my charactor from creditor / supplier / issuer / accounts payable to borrower / debtor / accounts receivable and assumed my name through commercial paper. XXXX XXXX has NO statue of limitations and I will defend against. I have reserved all my rights.
Consumer complaint received 2023-01-12
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-12
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (GA)

This complaint is against First Horizon Bank. The branch is located at XXXX XXXX XXXX XXXX, GA XXXX. The branch XXXX is XXXX XXXX. 

My husband and I opened our business account years ago with Iberia Bank which XXXX XXXX has recently acquired. Our accounts have always been in great standing. 

On XX/XX/XXXX, I made a purchase at XXXX 's for {$140.00} and received a {$35.00} NSF for the overdraft. My XXXX XXXX debit card was linked to my XXXX 's account. I made the purchase out of the wrong account. I didn't realize it until about a week later and I also saw that our account was placed on hold. XXXX XXXX the branch manager also called me regarding the overdraft. I transferred the money immediately ( same day ) to cover the overdraft. During our conversation, she advised that we should close our account. She states, " We are hard to get in touch with, we should close our account, we barely use the account and it doesn't make sense to keep '' however every time she contacts me, I call her back. I have her number programmed into my phone. We have made mistakes and have corrected our overdrafts immediately.

I explained that we live very far from the nearest branch and have planned to close our account. Since we've had the account for so long we want to ensure all the vendors we conduct business with have been changed over to our other bank. I have advised XXXX XXXX that we are not ready to close our account. Over the last 90 days, we have received over {$15000.00} in deposits into the account. I have attached our bank statements for review. This is an active acct. 

Yesterday, XX/XX/XXXX, XXXX XXXX placed our account on hold again for the second time. The Our account is not overdrawn this is a tactic she is using to force us to close our account. I have complained to the Customer service center and have advised XXXX to give us additional time. A complaint has been filed with Consumer Financial Protection Bureau as well. As a consumer, I have a right to be treated fair. I also would like to add we have NOT had any suspicious or fraudulent activity on our account.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

My loan with XXXX XXXX shows as a right off, bad debt, when the loan was paid by the GAP insurance on the vehicle after an accident that resulted in a total loss of the vehicle. It shows as a charge off, bad debt.
Consumer complaint received 2023-01-12
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-12
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I did file my tax jointly with my spouse, and we were expecting the first and second stimulus packages with the returns. I noticed an account number that was neither mine nor my wifes and I immediately brought it to the preparers attention, and he said he will sort it out immediately. I kept following up with the IRS for over XXXX months until I was told in XXXX that the refund had been paid way back in XXXX on the XXXX and XXXX, to a bank named XXXX Bank in XXXX XXXX. I was given the details and I obtained the Banks phone number and gave them a call. After so many attempts, I was told they had transferred what was due me to Bank of America, to the same account the prepare had used which was none of ours, and which he said he would correct. I immediately went to Bank of America with this information, and it was confirmed. To my shock and horror, I was informed by the Bank that the XXXX Stimulus package for myself, my wife and my son was also paid into this incorrect account. The monthly Child tax credits were also being paid into this same account. I requested XXXX Bank make a recall of the transfers and they confirmed that they had done that on the XXXX of XX/XX/XXXX. I went back and forth to Bank of America XXXX times and almost every time I was kept on the phone speaking to numerous staff but every time I was told they would get in touch with the account holder to get the funds out of his account since they can not pull it out of his account. I did find out the wrong beneficiary account holder 's name, phone number other details and gave the same to the Bank of America. Later in XXXX, I got a check in the mail for {$490.00} ( The sum for XXXX of the payments ) and XXXX Bank confirmed that Bank of America reversed only XXXX of the XXXX transactions. In total there were XXXX checks totaling about {$15000.00}, all XXXX stimulus packages for my son, my wife, and myself inclusive. I spoke to the IRS and I was told that the cheque would have been returned if the name and account numbers do not match. All efforts to get Bank of America to contact their customer XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, have not been forthcoming. Bank of America promised to get back to me when they get in touch with their customer but I have not heard anything from them since XX/XX/XXXX. My account no is XXXX with Routing number XXXX.
Consumer complaint received 2021-02-24
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CASHCALL, INC. (CA)

CASHCALL IS REPORTING AN ERRONEOUS ACCCOUNT ON MY CREDIT REPORT. When I requested validation of this account they provided a contract that had NO signature of mine and could not prove the ownership of this account. This is NOT my account I never applied or received money from Cashcall especailly for a loan at {$310.00} ...
Consumer complaint received 2023-01-12
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. (NJ)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811. 

I waited 30 days and I haven't received anything. Here is my tracking number : XXXX. It has been over 30 days. 

And one more thing, they didn't even record the current status of the disputed information. 

XXXX, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family but XXXX is doing its job according to the law. 



XXXX Account XXXX XXXX XXXX  Account Number : XXXX : XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account XXXX  Account XXXX, XXXX  Account XXXX Validate Account XXXX  Account XXXX XXXX. Validate Account XXXX  XXXX Account XXXX Validate Account XXXX  Account XXXX Validate Account XXXX  Account Number : XXXX Validate Account XXXX  Account XXXX Validate Account XXXX
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXX XXXX XXXX  totaling {$3800.00} were made using my Chase debit card from an XXXX XXXX which used facial recognition. I have never owned an XXXX I have an XXXX  and have since they came out. Chase has put the money back in and taken it back out XXXX times saying I approved the transactions. They were all XXXX made same day from XXXX XXXX XXXX and I live in XXXX Chase refuses to settle my complaint even though I have submitted phone records showing apple phones, XXXX XXXX XXXX showing my debit card. I need this money back in my account and they just transfer me around with no solution.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (NV)

XXXX Direct Express has Violated the Consumer Protection Laws which it's Promises to Pledge and to Protect it's Customers!!! 
Direct Express provides poor online security in terms of Preventing Unauthorized Fraudulent Charges. For example, my XXXX Debit Card has been compromised multiple times. In XXXX XXXX XXXX, my card was compromised 25 times in a one month period for an amount of XXXX. XXXX has done a poor Job in Fund Replacement. Furthermore, there are tens of thousands of customers that have been compromised with identical situations that amounts in the Millions of Dollars ; which Direct Express ignores and looks the other way!! Many of XXXX  Debit Card Customers are SA, SSI, SSDI whom do not have or lack the ability to ascertain the help. Their are approximately 5M XXXX Customers ; which XXXX has only One ( 1 ) incoming line. The average wait time 90 min-2 Hours. XXXX does not provide a download dispute form. The XXXX Reps are mainly of XXXX XXXX XXXX XXXX XXXX XXXX the require command of the English Language. When asking XXXX how and why my card has been compromised... XXXX has No Comment!! This Unscrupulous Financial Institution has more Complaints regarding Unauthorized Fraudulent Charges placed on it's customers cards then Any Other Bank or Banks. Still further, XXXX lacks an email address for it's contact with the outside world!! One may as well go swimming in shark infested water  prior to having the ability to Contact XXXX through their one and only phone line.
Consumer complaint received 2023-01-12
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX AMOUNT {$4600.00} ACCOUNT NUMBER - XXXX XXXX XXXX XXXX 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