davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$9200.00}, {$6600.00}, {$9500.00}, {$10000.00}, {$18000.00}, {$0.00}, {$520.00}, {$130.00}, {$7200.00}, {$2300.00}, {$63.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- INSTALLMENT LOANS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 

4. XXXX XXXX LT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

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

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520.00} -This is not my account. 

10. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

13. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$63.00} -This is not my account.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (PA)

Within the dates of XXXX XXXX I applied for a balance transfer with Wellsfargo Bank , due to a promotion. This balance transfer was to transfer the amount from my home bank to Wellsfargo, in return Wellsfargo would send the approved amount to my home bank and I would be left with the only the bill for Wellsfargo. My application was accepted. Within a month, no amount of money was transferred to my external account to pay off the other debt. Since XXXX, I have ben left with a bill from Wellsfargo to pay off the new credit, while still paying off my original balance at my home bank. It has been 3 months since the acceptance of the application. My home bank has no knowledge of a check/ ACH transfer/ etc coming from Wellsfargo. Wellsfargo keeps concluding " research ' that it was sent but can not confirm with me which bank/ account it was sent to. I have sent numerous documents and screenshots of my bank statements dating back to the beginning of XXXX, time late XXXX. I have not received any news. I still do not see any transfers into my home account and i still have a bill wellsfargo.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX, I noticed a {$5.00} bill payment to My credit card. I did not make this payment. I call to get it reversed. I called 3 times and was forwarded to customer service, the fraud department, and the paymemt processing Department. On the last call I spoke with the manager who was very unprofessional and rude and he put me on hold and never returned. So I emailed the CEO XXXX, and ececutives : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX None of their officers responded. This is why I'm filing a complaint. It appears that Someone or some entity is sending small payments to my account perhaps in the hopes of sending larger payments to maybe launder money. The 2nd time I called the rep said there seemed to be a similar payment around {$15.00}. I am requesting that they find all of these unauthorized payments and to reverse them or back them out of my account.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America allows fraud customers to keep my money Good Afternoon, My name is XXXX XXXX. On XX/XX/XXXX I received a text, from my bank stating that a purchase had been declined at a XXXX. I was not making the purchase. I looked up my bank number and as I was about to call, the actual bank was calling me. They told me someone tried to use my debit/credit card, While we were on the phone received another text stating that {$3500.00} was coming from my XXXX account XXXX There was a very strong sense of urgency from them ( XXXX XXXX bank ) to get it resolved before they ( alleged hackers ) got all my money from me..I was terrified. Phone kept disconnecting & every time I tried to call back XXXX XXXX back they would quickly call me back. They told me someone hacked into my XXXX and I had to do a XXXX reversal. They had me do it in my name and said the number I put in was a reversal code, NOT a phone number. They had me terrified. Very scripted and professional fraud. They told me once I had reversed all three of my accounts it would block the thieves and I would see my account balances be back at the amount it was when I started. I even received text from thieves ( posing as bank ) that said thank you for XXXX reversal. When all three of my accounts were emptied, the man on the phone ( said fraud banker from XXXX ) apologized and said too much time had passed and I would not see the money back in my account until the next morning. Instantly tearful I hung up and realized I had been scammed and called my bank right away. The fraudsters hid behind the actual bank number and sent text messages that looked exactly like the banks. Showed a banker at my bank and they agreed it looked so legitimate. I went to my bank, reported it to the police and even got Bank of America to freeze the perpetrators account because they knew these scams had been happening. Ive done my due diligence to advocate for myself as a victim. I did not receive my money back ( will not give up the fight to get my money back, I am the victim ) but I want to stop these low life, heartless humans. The number of the person who received the money was XXXX My bank ( XXXX ) told me they banked at Bank of America and Bank of America confirmed they did and Told me their name was XXXX XXXX XXXX ( not sure if spelling is correct ). Please please, things need to change. The thieves are advancing the banks & people like me are suffering without our banking backing us up. 

I need my voice to be heard & my money back to me. 

Sincerely, XXXX XXXX XXXX Bank customer Scammed by Bank of America XXXX
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AZ)

Last XXXX I realized there was XXXX dollars spent in my credit card from XXXX XXXX. I reported it. The charges were from XXXX -XXXX. I have attempted multiple times to have the case reopened with my work records and credit card statement and many other documents proving I wasnt even in the state the card was used. I have a police report where I live and in the city it was used in. There has been no resolution.
Consumer complaint received 2022-05-18
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: CITIBANK, N.A. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the 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 card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-10-12
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. (MI)

I have unauthorized inquiries on my credit report that I never authorized or approved as well as a collection account with XXXX XXXX  that I dont know anything about. The follow companies with unauthorized inquiries reporting on my credit are : XXXX XXXX XXXX XXXX XXXXXXXX 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 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
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I recently obtained a copy of my credit report to improve my credit and better manage my responsibilities. While reviewing it, I came across a few accounts that I would like more clarification on. 

I'm not stating whether these accounts are being reported accurately or inaccurately ; Im simply unsure. I've also read about the Fair Credit Reporting Act, which affirms my legal right to challenge any information on my report that I need further clarification on.
Consumer complaint received 2021-01-28
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One auto finance let someone use my name to get an auto loan. This account does not belong to me i have tried to contact the company i have submitted an identity theft report and Capital One keeps verifying that this account t belongs to me. The account is reporting as closed.i have tried to dispute this fraud the the bureaus but capital one keeps verifying this account. I should not have to go through this the FRAUD is ruining my name. I have a family. i have done everything that i can do i am fed up. XXXX, XXXX and XXXX is not helping my situation
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (OR)

I have been having a problem with Quicken Loans and their timely processing of my mailed payments. On this latest occasion I sent a mortgage payment on theXX/XX/XXXX. Quicken did not process the payment until XX/XX/XXXX! They are not only charging me a late fee but sending me a delinquency notice! I understand the problems created by the last administration has created unreasonable delays with the U.S.P.S. But let me describe a company that is more efficient and responsible than Quicken. I have a bank card through XXXX  XXXX XXXX their payment normally only takes only two days to process and this payment to XXXX Texas. During this disruption of the Post Office my current payment still only took four days! The Quicken depository is in XXXX..! 9 days for this process to complete. I believe that this action by Quicken Loans is a form of harassment for complaining about another fee of {$50.00} that Quicken attempted to charge me because another loan company was asking for a credit rating about me. When I took out the original XXXX loan this potential fee was never revealed to me. I want these late fees tobe expunged, the real reason for this and a commitment be the company to quit harassing me.
Consumer complaint received 2021-01-28
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: Experian Information Solutions Inc. (CA)

I do not know where the third party is coming. Why do I need to send an authorization to Experian? I personally file the first complaint and dispute MYSELF. Can you please tell me where the XXXX you are getting your information from? I will NOT call them since I have already file a dispute in XXXX of 2020 and a complaint XXXX of this year. SERIOULSY!!!! this is ridiculous that I have to go thru AGAIN and spend my time redoing XXXX I have already done all because they don't want to do their jobs. I will attached a copy my of SSN and License so you know it me and I wont have to go threw again.
Consumer complaint received 2022-09-26
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 — Problem with personal statement of dispute
Company: Diversified Acceptance Corporation (TX)

LATE PAYMENTS In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under : - 15 USC 1681 section 602 states that I "... have the right to privacy. '' - 15 USC 1681 section 604 A section 2 also states that : " ... a consumer reporting agency can not furnish an account without my written instructions. '' - Under 15 USC 1666 B : " ... creditor may not treat a payment on a credit card account under an open and consumer credit plan as late... ''
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates (AL)

A collection law firm ( MITCHELL B. BLUHM & ASSOCIATES LLC representing XXXX XXXX XXXX XXXX  ) mailed a collections letter to my MOTHERS address ( I haven't lived there in 20+ yrs ) on XXXX for {$1900.00} for a medical bill datedXX/XX/XXXX. 
I have never received a bill for this and have a top tier insurance policy. I spoke with them and did give them my personal info to assist the representative in my case. My insurance company XXXX said that the claim was NEVER sent to them and even tried to speak with the collector. They would not process the claim because they said it had timed out and would only take collection payments. THIS IS A SCAM, Please help!! 
They have made threats to hurt my credit score. Please Help!! There have been many complaints and law suits against this company.
Consumer complaint received 2021-01-28
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (MD)

During the corona virus, I attempted to make the payments each month on time however ; Ive been out of work since XX/XX/XXXX and stopped receiving XXXX benefits since XXXX. The name of the company is Santander Consumer USA. The most recent payment was Made in XX/XX/XXXX. I have fallen behind in each bill that I currently have including the vehicle. After finding out that my car had been repossessed, when you call Santander, the auto machine gives you an option to request payment options. I was never given any payment options, even after speaking to agents to make payments. I am still currently out of work, however Im due to return next month. My name is XXXX XXXX. I purchased the vehicle in XX/XX/XXXX, not even 2 years. Payments were high but I tried my very best to make them XXXX per month. I called to see if theyre were any options to retrieve my vehicle by making payments, they replied no. I have 15 days to pay XXXX XXXX before its auctioned off. I heard this company was not the best to consider however it was only option avail for approval. 
My phone number is XXXX
Consumer complaint received 2022-09-27
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. (TX)

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 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital one is reporting incorrect information on my XXXX  and XXXX  report how can the same account show different data last activity on XXXX  is XXXX XXXX times late XX/XX/XXXX XXXX XXXX  last activity XXXX XXXX Late 30/60/90 XXXX Also charge off dates different XXXX And month reviews are different XXXX  XXXX XXXX  XXXX
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Trident Asset Management, L.L.C. (GA)

Trident Asset has a collection from the XXXX XXXX XXXX for a check in the amount of XXXX. This is past the state of limitations Tennessee Code 39-14-121.This is from 2015.
Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (NY)

I am writing to equifax XXXX and XXXX  because my rights have been violated under Federal law. Understand that if these accounts are not removed from my report immediately, I will have to take legal action.
Consumer complaint received 2022-10-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IN)

In XXXX my wife and I went to close on our home. The Mortgage offered was a variable rate mortgage. We refused to sign. They went back to the lender and after two hours waiting, we were offered a first and second mortgage. The first was at 7.5 % interest, the second at 10.5 %. What we didn't realize the second mortgage was a home equity loan with a balloon due in XX/XX/XXXX. They want {$30000.00}. I'm XXXX and semi-retired and My wife is XXXX tomorrow and runs a daycare out of the house to keep money coming in. I still do XXXX XXXX XXXX part time, but our credit score and income are too low to get a loan to cover this. My name is XXXX XXXX, wife XXXX XXXX XXXX. Chase now is the holder of this loan and we have applied for mortgage assistance and is waiting for their response. I don't know how my wife and I missed the terms of this loan. This was done during a time when companies were known for this kid of loan. Isn't this a form of predatory loan and are these still allowed? Is there any recourse to get out of this loan? I'll await your contact. XXXX, XXXX
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (MI)

RE : XXXX XXXX XXXX XXXX ACCOUNT # XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) EXPERIAN HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 A STATES I HAVE THE 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.
Consumer complaint received 2021-01-28
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)

Please investigate and delete XXXX XXXX XXXX, disputed false account XXXX ( copy of credit report attached ) due to : 1. Last payment date doesnt tie into statements provided by XXXX 2. Account doesnt belong to me.