davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (FL)

There is an account on my credit history from the National Credit Audit Corporation in regards to a balance of {$3400.00} owed to an apartment complex I once occupied. It began reporting in late XXXX. 

On XX/XX/XXXX I received an email from XXXX XXXX ( not the collection agency which was already reporting the debt, this communication was from the original creditor ) providing me a breakdown of charges and saying what their future collection attempts would be. The email specifically stated that I needed to respond to them. I responded to the email disputing some of the charges, and requesting they provide supporting documentation for the charges ( invoice, receipts, etc ) and proof that they provided me with this information in the timeframe allowed by law, as I am well within my rights to do and had asked for previously. The laws in the state are specific that properties can only charge for expenses they actually incurred, and the charges provided to me were grouped together and unclear. The company responded with a series of back and forth emails stating how they did not have to provide me that information by law and were not bound by consumer protection laws. They also acknowledged that I followed the law with my written request for information, and then went on to say that they sent the information to the unit I once rented from them ( while fully being aware that I no longer resided there and ignoring the contact information for me provided on my request ). The email concluded with an outright refusal to provide me any information needed for me to verify the amounts they were attempting me were valid. They also referred me to their collection agency, who never contacted me in the first place.
Consumer complaint received 2022-02-01
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 have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report
Consumer complaint received 2022-02-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Ardmore Finance Corporation (OK)

I have an installment loan with Ardmore Finance. It was passed due. My debit card was charged unauthorized {$65.00} on XX/XX/2022. I never authorize the company to charge my card. I am not on auto pay. And when I called the company today, I first spoke with the assistant manager. Assistant manager told me that my account was about to go to legal and that was the only way to stop it. When I asked if I had authorize the charge, she told me she had to check my account and call me back in XXXX minutes. In XXXX minutes the store manager calls me and and tells me that half of her office is on auto pay and somehow my information got mixed up with everyone else 's and my card was accidentally charged. She apologized and offered to refund me. But when I called XXXX other offices to verify if auto pay was even an option for customers, I was told " No '' by the managers. I was also told they were not allowed to give me the corporate phone number so I could talk to someone. I would only get a fax number so the complaint could be in writing. Unacceptable. So I am filing this complaint for XXXX reasons. 1. This charge was unauthorized and it is illegal. 2. I was lied to by the company about the reason my card was charged. Because I've worked in this industry before, I know that this is illegal.
Consumer complaint received 2022-02-01
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: OneMain Finance Corporation (TX)

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Request for Investigation of Unauthorized Credit Inquiry Dear CFPB I checked my personal credit report, and I noticed an unauthorized credit inquiry had been made. 

I contacted : *XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DE XXXX *. XXXX XXXX XXXX XXXX Contact info XXXX XXXX XXXXXXXX XXXX, IN XXXX ( XXXX ) XXXX, who conducted these inquiries and asked them to remove their credit inquiry from my credit report ; and since my contact with these companies they have not removed these error on my report I request that you investigate the companies listed above about inquires on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove any and all inquiries ( that fall under section 604 of the Fair Credit Reporting Act ), and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2016-10-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

I opened the checking account and the safe deposit box with Wells Fargo couple of months back. Wells Fargo did n't generated the documentation properly and missed the sign in sheet. When i went to open the safe deposit box for the first time i was told that sign in sheet was missing but i was was let in to open my safe deposit box and bank manager confirmed that he will get the sign in sheet generated very same day and i should not have any problem going forward. On XXXX XXXX i went again to open the safe deposit box and again i was told sign in sheet was missing again. I asked for the manager and he told me to generate sign in sheet again and it will take couple of hours as there are other people in line or come later to open your safe deposit box. As i was in hurry i decided to go back and make up my mind that i should close my checking account and safe deposit box with Wells Fargo. I went to the bank on XXXX XXXX and i asked them whether i will be getting my money back for the safe deposit box annual fee or not. I was told that i will be given prorated money back so i asked them to close the same. After i closed both the accounts i got the money from the checking account but not for the safe deposit box. I was told this ca n't be refunded. Person who told you was wrong and this is non refundable fee. I need my money back from wells fargo.
Consumer complaint received 2022-02-01
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$650.00} XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2022-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

A collection account was placed on my credit report on XX/XX/2021 by a company I have never heard of nor done business with. I never received anything in writing regarding this supposed debt collection account. I have tried contacting the company but and placed on hold for prolonged periods of time. They state that the debt is reported as mine and that they can not do anything to help me even though I have informed them that I have never heard of this company before.
Consumer complaint received 2022-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Consumer complaint received 2022-02-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Choice Recovery, Inc. (TX)

i am giving you an opportunity to cure, due to improbability negligence or mistake after this and i do not get remedy my notary will issue me a certificate of dishonor and i will be filing civil action against your company
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX OF XXXX Date of Inquiry XX/XX/2021
Consumer complaint received 2022-02-01
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. (TX)

XXXX, TRANSUNION AND XXXX ARE IN VIOLATION WITH 15 U.S. CODE 1681b, 1693 ( a ) 2, 1681 ( b ) ( a ) 2. PRIVATE PERSONAL SECURIITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZATION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITIONALLY ENCUMBERING INTERSTATECOMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. 
THIS HAS BEEN SINCE XXXX, THE INQUIRIES AND INACCURATE ACCOUNTS UNCONSTITUTIONAL VIOLATION HINDERING THE ABILITY TO EXECUTE REMEDY PROVISIONS SET FORTH THEEIN 18 U.S. CODE 245 FEDERALLY PROTECTED ACTIVITIES AS PER CREDIT APPROVAVABILTY DUE TO THE INVALID ACCOUNTS AND DAMAING INQUIRIES THAT SERVE NO PURPOSE OTHER THA DAMAGE CREDIBILITY. 
SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX. I DECLARE THAT THE SOCIAL SECURITY CARD IS A CREDIT CARD AS IN ACCORD AND SATIFACTION WITH 12 CFR 160.3. THE BUREAU HAS SENT ACCOUNT BEEN VERIFIED, BUT WILL NOT PROVIDE PROOF OF WET INK SIGNATURE 15 US CODE 7001
Consumer complaint received 2022-02-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WA)

I had reserved a car through the XXXX website and was charged {$80.00} on XX/XX/XXXX. I went to the XXXX to pick up my rental car but didnt meet the requirements, which were I had to be XXXX XXXX XXXX or have a credit card with a balance greater than {$300.00} if I was under. I was XXXX and only had a bank card and so I had to cancel my reservation because I dont own a credit card and ask for a refund and was told to contact XXXX XXXX I called XXXX and told them what happened and was approved for a refund by the supervisor and it would take XXXX business days. Shortly after on XX/XX/XXXX they said they would contact XXXX and get my refund, then a day or XXXX after they email me again saying they could contact XXXX and so my refund was denied. XXXX was never responsible for my refund as they never charged my card only XXXX did and so I contacted my XXXX support and reported it. After a week or so I was given provisional credit as they investigated and then yesterday XX/XX/XXXX I was told XXXX had been awarded the claim and they would take back the {$80.00} provisional credit. I had emailed them proof and my sister was theyre that day I was on the phone but they still didnt refund me for a service I never received and kept my money blaming XXXX that XXXX nothing to do with it.
Consumer complaint received 2022-02-01
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: TRANSWORLD SYSTEMS INC (MO)

Unauthorized credit inquiry on XXXX XXXX report by Nationwide Credit Inc. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AZ XXXX XXXX dated XX/XX/XXXX. I have no known accounts with this company nor have I received any communication from the company as of today, XX/XX/XXXX. 

It is stated in XXXX XXXX report that this inquiry is shared with companies that view my Consumer file, may be used in credit scoring and may impact a credit rating. 

This inquiry needs to be removed from my report.
Consumer complaint received 2023-01-19
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: Resurgent Capital Services L.P. (CA)

I am writing to inform you that I am a victim of identity theft. I have recently discovered that several accounts have been opened in my name without my knowledge or consent. These accounts include : A. ) XXXX XXXX Account was opened with my name fraudulently in California XXXX XX/XX/XXXX with a XXXX  of {$36000.00}. I didnt notice until about XXXX of XXXX when I received a call from the XXXX police department. 

B. ) XXXX XXXX - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX  of {$930.00}. Ive tried disputing before, XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card. 

XXXX ) XXXX XXXX XXXX XXXX  XXXX - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX of {$630.00}. Ive also tried disputing before, XXXX XXXX XXXX  has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card. 

XXXX ) XXXX XXXX XXXX - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX  of {$1000.00}. Ive also tried disputing before, XXXX XXXX XXXX  has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card. 

XXXX ) XXXX XXXX XXXX - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX  of {$550.00}. Ive also tried disputing before, XXXX XXXX XXXX  has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card. 

I did not open these accounts and have not authorized any transactions on them. I have not received any correspondence or statements from these accounts, and I was only made aware of their existence when I checked my credit report. 

Furthermore, I have also learned that my driver 's license and social security card have been compromised. I have taken the necessary steps to report this to the relevant authorities and am in the process of obtaining new identification documents. 

I would like to request that you immediately close these accounts and take any necessary steps to prevent further unauthorized activity. I would also appreciate it if you could provide me with a copy of any fraudulent transactions that have occurred on these accounts. 

I would be grateful if you could also inform me of any additional steps I need to take to protect myself and my credit in the future. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Lenders listed above are not handling my dispute in a fair and timely manner.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IN)

I opened Citibank checking and savings accounts on XXXX XXXX, 2022. I had issues with my debit card being declined, even though funds were available. I called twice about that. Then it worked again. 

On XXXX XXXX, 2022, I deposited my paycheck via the mobile app. Later on that day, I couldn't access my accounts. They weren't even showing up in the app or on the website. I called and customer service ( which was outsourced overseas ) and after several transfers and holds, was told that the check I tried to deposit was flagged for fraud, and that it would take a week to process. Checks don't take that long to go through anymore. I explained it was from my employer and it's my paycheck. I asked to speak to a supervisor and was told none were available and I would get a call back in XXXX days. 

On XXXX XXXX, 2022, I called Citibank 3 times. I had bills about to go through and I needed my accounts unfrozen. No one could help me - I was told again that a supervisor was not available. I was able to deposit my check into my other bank, with no problems. So I asked Citibank to stop processing the check, and they said only my employer can do that. My office XXXX said otherwise. I just want my accounts restored so I can move my money out of this bank. I am also looking into pursuing legal action.
Consumer complaint received 2022-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (OH)

On Friday XX/XX/2022 I received a direct deposit of XXXX of that {$570.00} was supposed to be auto sent to a secured credit account I have with chime the money never made it into the credit account and never came back into my checking account I transferred a total of {$2200.00} into my credit account and {$570.00} is still missing chime bank refuses to give me an answer and says that I received the funds a customer service representative did the math and agreed I had money missing and I have put in multiple escalations and the company hasnt responded besides to say I cant dispute the transaction and the money is there but it is not reflecting on my side and customer service keeps bouncing my calls and telling me the same thing that nothing they can do
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I've been trying to get the escrow account on my mortgage closed for 6 months. I submitted all the paperwork in XX/XX/2021. They verified receipt of the paperwork. It's been almost 6 months since then and it's still not removed I've called 1-2 times every month with no resolution of the issue. I keep being told it's reviewed and no one can do anything about it. I've been told it will be resolved by a certain date multiple times ; those dates have come and gone. Customer support has been completely useless in helping.