davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-17
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. (MO)

The following accounts are unauthorized and unknown to me, these accounts are a product of identity theft and XXXX data breach .I 've summoned the three ( 3 ) major credit reporting agencies to remove & block these unauthorized accounts. However, if these demands can not be met, I'll be forced to pursue other avenues. I've also asked for physical documentation of these accounts. Please remove the following. 

1 ) XXXX {$1100.00} 2 ) XXXX XXXX XXXX XXXX {$470.00} 3 ) XXXX XXXX 4 ) US Dept of Education {$7500.00} 5 ) US Dept of Education {$4300.00} 6 ) Dept of ED/XXXXXXXX 7 ) Dept of ED/ XXXX {$6000.00} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX  {$240.00} 10 ) XXXX XXXX {$1100.00} 11 ) XXXX XXXX   XXXX {$21000.00}
Consumer complaint received 2020-07-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AMERICAN EXPRESS COMPANY (NC)

I XXXX XXXX XXXX XXXX, have alway paid my debts deligently, on or about XX/XX/2018 American Express laid to my charge, a bogus in debtness, because of a time share seminar, held in XXXX XXXX SC. I was told by the facilitator I had to have major credit card. To get the gifts they offering that day. They charge indebtness to my American Express ending number XXXX without authoration. I mistakely paid them over {$3000.00} toward wrongeful action. They later Change indebtness to another American Express Card number XXXX, These charges are wrongful, to their advantages of a high interest rate of over 20 %. American Express has been on the side of the merchant, To collect this bogus indebtness, because of the high interest rate the charge. In Closing this statemet is True and correct. I am owe {$3000.00} frome original bill.
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I contacted representatives from the following entities, XXXX and Bank of America. 

I received confirmation from both creditors that it would not face negative consequences due to COVID19. As you may be aware, NY was under quarantine for over 2 months which has prevented an steady flow of income. Both representative advised me that the only thing I should be aware of is that the balance would still accrue interest throughout the payment deferral. 

Unfortunately, these representatives did not stick to their word and now my credit has been impacted severely. If that was going to be the case, they should have CLEARLY advised that. I have accounts with other creditors who had advised me the same and there are no derogatory remarks on those accounts. 

As a resolution, I would like Bank of American and XXXX to remove any derogatory remarks from my credit report. 

According to the Fair Credit Reporting Act, it is absolutely necessary to report my credit information in a fair and accurate manner. Due to the misleading information provided by the creditors, I urge that this be implemented as soon as possible.
Consumer complaint received 2022-12-07
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: General Motors Financial Company, Inc. (MD)

On XX/XX/2022 and XX/XX/2022, I sent a certified letter requesting that GM Financial provide me with specific information regarding a repossession. Under the laws of the State of Maryland UCC XXXX and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

My certified letters were a request that GM Financial provide copies of every legal notice and proof of the commercially reasonable manner of the resale of the subject vehicle. This is my right to ask by law. And if no such proof was provided within 14 days from receipt of this notice, the alleged claim of a deficiency is considered null and void, and any continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

In addition, failure to comply with the above requests, means that I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. 

To date, GM Financial has failed to provide me with this information. Due to their failure to provide me this information, they have to remove this information from the ALL 3-credit report reporting bureaus immediately.
Consumer complaint received 2022-05-18
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. (NC)

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, XXXX and XXXX was XX/XX/2022, 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 accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$2900.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX/XXXX  XXXX Balance : {$1000.00} XXXX-XXXX  XXXX Balance : {$2400.00}
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Credit cards and debit cards stolen in XX/XX/XXXX/XX/XX/XXXXI was in hospital. I reported to credit companies and bank, I also report to local and state authorities. Card were ending XXXX. All charges from XX/XX/20-XX/XX/20 are fraud on cards XXXX and XXXX. Also fraud on card XXXX from XX/XX/XXXX-XX/XX/XXXX Bank of America states " these charge ( s ) are consistent with previous charges with this merchant ( s ). I am 100 % certain I have never used these cards with the claimed merchant. I am also mostly certain the same holds true for small charges with XXXX and XXXX ( total for these merchants is {$26.00}. The other charges total {$2500.00}.
Consumer complaint received 2022-05-18
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. (MA)

I have been disputing fraud items on my credit report since XX/XX/XXXX. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is signed and attached with an FTC and Identity Theft affidavit, yet the bureaus are still not taking any actions. These items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let this fraud inquiry affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify these items to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete these items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX RI XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-12-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (WY)

The reason I am submitting this complaint is due to the way in which I was treated by the Wells Fargo Bank employees and management in XXXX XXXX, Wyoming XXXX. 


This branch has by far been the worst bank I have ever had to deal with in my life! 

Management and Employees here were rude, disrespectful and at times extremely childish.

The management and employees here decided to call the police on me multiple times, for just trying to make my payment, all because they didnt want to sign a document proving that I provided them with my payment. 


This complaint is also directly against XXXX XXXX XXXX a Security Agent with Wells Fargo Bank Corporate Security. Due to her conduct and behavior as well as for setting up and placing a no contact order against me while I still had active business with Wells Fargo Bank!

This bank discriminated against me due to my XXXX, that I suffered while serving on XXXX XXXX in the XXXX XXXX XXXXXXXX XXXX and this bank refused to work with me or come to a compromise in order for me to continue my business with Wells Fargo Bank which caused extreme undue hardship not only on myself but my family, relatives and close friends. 


This complaint is about the Wells Fargo Bank not any other department of Wells Fargo. The First complaint I filed was sent to the wrong department! This complaint must be sent to the WELLS FARGO BANK!
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a dispute on a charge. They are asking me to fax or XXXX mail in related documents. This seems like an unreasonable obstacle in our world today. I haven't used or even seen a fax in years. I don't mail anything very often, especially nearing $ XXXX. This seems like Cap One is just making it difficult on purpose, to avoid dealing with disputes. 

Moreover, the purchase I made was online. So, instead of just forwarding them an email, I have to print it out ( printers are pretty outdated and certainly environmentally wrong ) and take it somewhere, I don't know where, to fax it. This is crazy anytime, especially during a pandemic, when it could so much more easily be done in the home without any paper by emailing or uploading. Other credit cards company do it. I called and they offer no explanation, it's just a Cap One policy.
Consumer complaint received 2022-10-21
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX MONDAY-FRIDAY XXXX TO XXXX PST XX/XX/XXXX XXXX-Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Original Balance : {$86.00} Current Principal : {$86.00} Interest Due : {$0.00} Total Due : {$86.00} ORIGINAL CREDITOR : XXXX XXXX PLACED FOR COLLECTIONS ON : XX/XX/XXXX XXXX XXXX XXXX Genesis understands you claim the alleged debt is the result of fraudulent activity.

In order for us to investigate your claim, please provide the following : Proof of where you resided during the alleged fraudulent lease, such as a copy of your lease/property tax statement/mortgage statement/utility statement. You may be asked to provide more as needed. If these items are in anothers name than provide with the item a notarized affidavit of residence where that person affirms that you lived with them at that time. 

A clear and legible copy of your driver 's license. ( front and back ) A filed police report with report number documenting the crime. 

That references the unit in your name. 

A copy of the FTC complaint notarized on the signature page with a physical signature witnessed by notary. ( www.ftc.gov ) Once all documents are received, reviewed and if verified as valid, the account will be closed, and all data furnished to credit bureaus will be deleted.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

The month of XXXXXXXX XXXX XXXX didnt and still havent updated my information this is wrong because I called them Im a business owner and my personal credit its all never updated got ta continue to call over and over email over and over Experian had the wrong business address I have called them asked them to update my information for chase to approve my business and Experian is going through a big law suit because of not updating information so XXXX XXXX denied me then a couple weeks later Experian sent me a email saying we updated your address but chase already ran my credit took my inquiries and no credit established for me but a bunch of inquiries because of Experian not updating my information Im suffering from all them doing this please help
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (FL)

To whom this may concern these items in my credit file are from unauthorized use of my Social Security number and card I did not authorize these accounts to be taken out in my name nor they relate to anything I did I am unaware of any of this please remove the information asap.. 
XXXX, XXXX & XXXX XXXX open XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XX/XX/XXXX {$450.00} I included all the documents you asked for to verify my identity address
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There are errors in this accounts. Status states paid account and it's written off, so how is it still late? Please provide method of verification and physical verification validation of debt for this account. Also, original instrument of indebtedness. This is information is not accurate and they are in violation of my rights. 


XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (FL)

I received a letter from Dynamic Recovery Solutions a LLC address XXXX XXXX   XXXX, XXXX SC XXXX, Phone number XXXX, Email XXXX. Their Claim for {$710.00} dollars is a Fraud. They say they represent XXXX XXXX XXXX XXXX and Current creditor XXXX XXXX XXXX XXXX, XXXX. They gave me a Reference Number : XXXX. 

This matter is over 6 to 8 years old. I brought a suit against XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and retained an attorney in XXXX Florida to represent me in the State Court in Tampa FL about 6 to 8 years ago. This case was discharged and settled. Why is it these people are trying to collect on a matter that was closed? I have received many calls from these people demanding to pay {$700.00}. In their last letter they stated if I paid them {$170.00} they would close the case. I stated again this is a Fraud Case.  Please investigate.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington Bank allowed me to open a checking and a savings account, despite having a prior charge off. I deposited a check into my Huntington checking account on XX/XX/2022. Customer support told me it should be available by the following Tuesday. 

The next thing I know, my account is frozen, I am not allowed to use my funds or to access my account, and no one will tell me why. I contact the local branch manager who finally finds out it is because the check was not expected to clear but, it did. And, now, Huntington is in the process of closing my current accounts because I had prior charge offs ; they actually deducted the amount of those charge offs from my checking account. 

They will NOT tell me how long it will be before they will be mailing me a check for the funds in that account, nor will they allow the branch manger to disperse the funds to me, instead. 

I am so upset. I now have absolutely no money to live on, to pay rent or utilities this month. I cant take my guide dog to the vet, I cant go to the doctor myself, and I cant even go to job interviews because Huntington has left me without any access to money whatsoever and whats worse is that it seems to be indefinite. 

They wont tell me any kind of timeline for them returning the balance of my account ; I was yelled at on the phone by someone in their department handling this that Id just have to wait and see because no one there would be able to tell me. 

Is this legal, for them to hold my money in my account indefinitely without even giving me a projected timeline for returning it to me?
Consumer complaint received 2020-07-16
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. (FL)

I have asked TransUnion Numerous times to send me a signed copy of everything XXXX say 's I purchased on a account they have yet to provide me with this information. I need these copy 's because I did not make these charges. XXXX  has deleted this account from my credit reports because they could not provide this information. Transunion needs to provide me with the information or this account needs to be deleted from my credit report. I never opened a XXXX account nor received any items from XXXX.
Consumer complaint received 2022-12-07
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: Credit Supreme LLC (GA)

XX/XX/2022 a collection was added to my XXXX credit report by 12 Credit Supreme LLC. I have no affiliation with this company. Per further research, they are reporting a debt belonging to someone else with a similar name living in the same city I reside. 

Supreme Credit LLC continues to " verify '' the debt of someone elses account on my credit report. Said person has a totally differently last name. I now have an " alias '' name reporting to my credit report with a last name and addresses i've never been associated with. 

COLLECTION AMOUNT : {$67.00} In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 12 CREDIT SUPREME LLC 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-12-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MIDFIRST BANK (UT)

Vio Bank made an ACH transfer of {$500.00} to my account on XXXX XXXX  on XX/XX/2022. The money didn't show up on my XXXX XXXX account so far. I made many phone calls to both of them. They didn't help much. XXXXXXXX XXXX wanted me to call Vio Bank to ask for the trace ID of that transaction but Vio Bank refused to give it to me.
Consumer complaint received 2020-01-26
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC (LA)

They are rude and unprofessional. She used profane language with and she had an attitude with me when I explained my situation about what happened. I even asked to have my account handled by a different representative and she said No your XXXX stuck with me, now pay your bill and hung up
Consumer complaint received 2020-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (MN)

I apply for a checking account at XXXX XXXX, XXXX, XXXX XXXX and others after was turn down by each of the bank I thought it was because they just don ; t want to help me but they stated that the reason they declined my account due to they verify my information such as my social security number with a third party company that they paid service for and that company is called EARLY WARNING services there for they stated EARLY WARNING services stated I have a collections of my previous account with some of the banks listed above. However I filed a bankruptcy chapter XXXX on XX/XX/2019 there for under my bankruptcy chapter XXXX law and protection the debt owning to any of teh banks or creditors of these bank would be expunge and there for it is wrong that EARLY WARNING co. refused to comply with the federal law and yet made it become that I owe these banks and these bank refused of open me an account with them knowing my debt would be consider remove of any collections I may have with these banks or charge off accounts and gave me a bad name.