davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The [ cra ] is reporting my name incorrectly. The name the credit reporting agency is reporting is the XXXX XXXX XXXX name which is registered with the XXXX XXXX XXXX, However I XXXX, XXXX XXXX XXXX the owner of that Trust account. 

Please correct your records to reflect my correct name I am a natural man [ XXXX, XXXX XXXX ] owner, and Interest holder. Attached i have provided document proof of my claim. 
I do not posess a " last name '' or " first name '' -- It is disrespectful to my ancestors to refer to them as as Last! 
Please do not ever disrespect my family, and update your records. 

15 U.S. Code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (OR)

I went to Wells Fargo office. I want to open my new account. They are unable to open the account. I try to check the credit and I see it said closed account since 2016. How can I get my account back to open my account again?
Consumer complaint received 2020-11-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (IL)

This has been a nightmare. In XX/XX/2020 I ordered XXXX XXXX XXXX pills for an advertised price of XXXX shipping and handling for a free sample. I ordered the pills and the oil for the price of XXXX online using my Chase Debit Card ending in XXXX. In XXXX I received a test from Chase that suspected Fraud had been committed on my account in the amount of XXXX and this amount was returned by Chase to my account. The same transaction again posted to my account and Chase advised me to change my Debit Card, which I did resulting in a new card issues ending in XXXX. The transactions were coming thru as XXXX ... as listed on the documentation. Chase later withdrew XXXX from my account and when I asked why explained that the company had charged me XXXX previously so I had done business with them? I was confused but found out from the amount that this was the XXXX XXXX purchase. I disputed it and have gone back and forth with Chase since as they continue to take the XXXX out of my account. I was told by Chase to contact the vendor and tell them I disputed the transaction and that I did not want the service. I did this and informed them that they never advised a withdrawal would be coming out of my account for such an amount, I was told it was a free sample. The company denied that they did not disclose this charge. Chase on XX/XX/2020 once again reversed my dispute and told me I would have to take it up with the vendor. This company should be stopped from false advertising and from billing the bank in an unknown name after a purchase has been made. Chase should not honor such charges. I am not the only Chase customer who has experienced this, I am told.
Consumer complaint received 2022-06-22
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. (CA)

I am a concerned consumer and my credit report is not reporting 100 % maximum accuracy and it has caused me a great amount stress, I can not get approved for anything and I becoming XXXX  due to the fact my information is in someone else 's hands and is not being investigated properly and being misused. XXXX, Experian, and XXXX keep stating these accounts are verified that they are all reporting accurate which is false, they all hold different information on each bureaus, In accordance to something called the Fair credit reporting act XXXX XXXXXXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXXXXXX XXXX Account # XXXX has all violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 with out my written instructions.
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was notified by Bank of America on XX/XX/2021 that may email change needed to be confirmed. I have never had an account with Bank of America. I tried to call, but since I did not have an account number I could not access their voice system. 

One XX/XX/2021 I received an email from USPS notifying me of a change of address from my home of 20+ years to a new address. I did not submit this request. On XX/XX/2021 I received a paper notification from USPS. One XX/XX/2021 I went to the post office to find out how to correct this. In the process I learned that someone requested my address be changed to XXXX XXXX XXXX in XXXX, VA XXXX. I reported this with the US Postal Inspection Service. Service Request # XXXX. 

On XX/XX/2021 I received via USPS a credit card from Bank of America with a cash withdrawal limit of {$16000.00}. I NEVER opened this account. I contacted Bank of America at XXXX. XXXX in Fraud closed the account and asked me to destroy the card. He said he would request the original application for credit card but this could take up to 10 days. 

I then checked with the credit reporting agencies. I have freezes on all my credit as I was notified over the past several years of data breaches. It seems XXXX received the credit inquiry. I have requested a Fraud Alert from all 3 credit report bureaus. I would like to request a 7-year Fraud Alert but they need some kind of documentation stating I was a victim of identity theft. I have tried to speak with someone at XXXX by phone but their telephone system does not allow this. 

I also contacted the police in XXXX, VA notifying them of the address. I was told by Officer XXXX on XX/XX/2021 that she would take my information but the best course of action was through US Postal Inspection Service as this is a federal crime. 

I also contacted the owner of the apartment at XXXX XXXX XXXX in XXXX, VA. They got me in contact with the property manager. I spoke with her by phone on XX/XX/2021 notifying her that she has a potential federal criminal at this address ( XXXX XXXX, Regional Manager | XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX | XXXX | Virginia | XXXX | ( o ) XXXX x XXXX | ( f ) XXXX ). 

Property Owner of Street Address:XXXX XXXX XXXX XXXX XXXX VA XXXX Owner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mailing Address:XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WASHINGTON, DC  XXXX Subdivision Name : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-22
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. (GA)

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

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

Equifax did not comply with 1

5 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. It has now been 81days and I have not received the description of procedure, which they are civilly liable for willful noncompliance. See attached.
Consumer complaint received 2022-06-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I never have been to inphynet XXXX XXXX XXXX or any of its doctors in my life and I apparently owe them XXXX dollars I try to contact them and it is impossible no contact info. I googled them and most of their reviews say they have been scammed by them and are getting a report from their credit despite never receiving a letter email or any correspondence. I would like this removed off my credit report thank you
Consumer complaint received 2022-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I filed the below complaint and there is still no resolution from or with Bank Of America. 

I got a call from XXXX, he left no last name, an employee of Bank of America, XXXX, left me a message and the following number, XXXX ext. XXXX. 

When I call this number I am automatically transferred to another extension. I have called this number and extension several times and as of the writing of this complaint I have not gotten a call back from XXXX. 

I have a big financial dilemma on XX/XX/XXXX and the first of the month of XXXX, when ALL of my direct deposits will be rejected, because Bank of America plans to close my last checking account on XX/XX/XXXX, one day before my Social Security benefits direct deposit. 

Also, I have been embarrassed, while with my attorney, by my debit card being denied/rejected when trying to pay for my meal, even after XXXX attempts to charge for my meal. 

Also, I have tried to use my debit card at the BofA ATM machine and all the attempts were cancelled each time. 

I know that there is no way that I can make the changes to another bank in time to get my direct deposits, therefore ALL of my deposits will be returned to the depositors. 

As a XXXX Veteran, I will have a lot of bills and payments late and causing bad reports on my credit reports. 

One of the biggest issues is that Bank Of America CAN'T explain why someone can get into my account, make UNDETECTED direct deposits, and charge almost XXXX unapproved amounts to my account. My account is has been HACKED and Bank Of America can't STOP or EXPLAIN who and how my account is HACKED. 

Immediate assistance is needed. 

Thanks In advance, XXXX XXXX XXXX
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have recently written into all 3 bureaus asking that my personal and demographic information be updated correctly. This was requested in writing via certified mail and TRANSUNION, XXXX and XXXX has not made any effort update any of what I requested with supporting documents.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2022-06-22
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)

I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2022-09-21
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. (MD)

TransUnion Consumer Solutions has violated my rights to privacy. 
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 : Bankruptcy XXXX XXXX Account Number : XXXX has violated my rights. 
Account Name : Bankruptcy XXXX XXXX Account Number : XXXX has violated my rights. 
Account Name : Bankruptcy XXXX XXXX Account Number : XXXX has violated my rights. 
Account Name : XXXX Account Number : XXXX has violated my rights. 
Account Name : XXXX XXXX XXXX. Account Number : XXXX has violated my rights. 
Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. 
Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. 
Account Name : XXXXXXXX XXXX Account Number : 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 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 1681 Section ( a ) ( 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.
Consumer complaint received 2022-06-22
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)

Enclosed are three different complaints to all 3 major credit bureaus XXXX TRANSUNION, and XXXX. Advising them that I a am a victim of Identity thief and that i have filed complaints with the proper authorities, enclosed is a copy of the disputes and the identity theft victims complaint affidavits,. I am request that all accounts that have been reported be deleted. The following accounts and inquiries are a fraud .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There are over 31 fraudulent inquiries on my credit report that must be deleted.

In accordance with the FAIR CREDIT REPORTING ACT the following accounts and inquiries have violated my rights based on 15 U.S.C. 1681 SECTION 602 a. STATES I HAVE THE RIGHT TO P [ RIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 STATES A CONSUMERREPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

I have not authorized nor given any written instructions to have any one furnish these accounts on my behave.
Consumer complaint received 2022-06-22
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. (FL)

Enclosed are three different complaints to all 3 major credit bureaus XXXX XXXX, and EQUIFAX. Advising them that I a am a victim of Identity thief and that i have filed complaints with the proper authorities, enclosed is a copy of the disputes and the identity theft victims complaint affidavits,. I am request that all accounts that have been reported be deleted. The following accounts and inquiries are a fraud .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are over 31 fraudulent inquiries on my credit report that must be deleted.

In accordance with the FAIR CREDIT REPORTING ACT the following accounts and inquiries have violated my rights based on 15 U.S.C. 1681 SECTION 602 a. STATES I HAVE THE RIGHT TO P [ RIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 STATES A CONSUMERREPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

I have not authorized nor given any written instructions to have any one furnish these accounts on my behave.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (KY)

On XX/XX/2021 XXXX XXXX sent a refund to an old credit card, this card switched companies from XXXX XXXX to Comenity Bank. XXXX XXXX provided me with the XXXX Reference Number ( XXXX ). The refund was for an amount of {$750.00} and it was given to XXXX XXXX. 

When I contact XXXX XXXX they state that they do see the positive balance owed to me, but cant help me and tell me to contact the new card company ( Comenity ). When I contact Comenity they state that the money is at XXXX XXXX. 

I have called many many times. Sent emails and have contacted an attorney. My attorney could not get them to speak with her & I had to fill out an authorization for my attorney. 

I called again before pursuing this option and they offered no help. 

My family desperately needs this money back. I would like the full refund that was sent by XXXX XXXX to XXXX XXXX to be refunded to me and sent by check.
Consumer complaint received 2022-06-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EAST WEST BANK (TX)

I have been conditionally approved for a loan in the amount of {$210000.00} from Eastwestbankrefinancing .This conditional credit approval with terms is valid until XX/XX/2022 .This loan should have been close and handed over by this date.As of today, this has not happened. I have sent emails to urge them many times to communicate with them, but I have not been able to wait for a good result. 

I have good interest rates, and right now, the Fed keeps raising rates. And I haven't gotten any response when I can finish my case.
Consumer complaint received 2022-05-23
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: WELLS FARGO & COMPANY (CA)

Someone got a hold of my identification and social security number. I can no longer access my credit, bank account, XXXX, XXXX, XXXX, accounts. Someone has been taking my mail until recently when I got a po box .
Consumer complaint received 2022-06-22
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  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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AL)

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2022-06-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL (FL)

This is a Care Credit account ( Synchrony bank ) opened to finance dental work. I sent small payments and explained my situation ( unemployed, no savings ) and told them I would pay what I could. They call, text or email several times per day. 

They sent a text saying we can help and when I call, they tell me I will incur service charges and late fees. They have done nothing to help and contact me every single day.
Consumer complaint received 2019-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/19, I received a check in the mail for {$1700.00} for a piece of furniture I listed on XXXX I cashed the check and it " cleared '' on XX/XX/19. The " buyer '' wanted {$750.00} to be set aside for the movers. The next day, when the check " cleared '', he asked me to XXXX the {$750.00} to the movers, so I did. 

I found out within 15 minutes that it was a scam and called Bank of America to stop the XXXX transfer because it was still processing. They told me that there was nothing they could do. How could they have no consumer protection? The item was in processing when I called B of A and they had no ability to cancel it? What is my recourse with XXXX to stop this scammer?