davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
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. (CA)

XXXXXXXX XXXX  XXXX XXXX XXXX is reporting that the account was charged-off in my credit report. I don't even know what this account is!!!! I have requested that the original credit furnisher provide a copy of the credit card application proving my liability in this debt but they have not sent me anything. I have disputed this account with all 3 bureaus and XXXX and XXXX have removed this account from my credit reports but, Equifax continues to report this erroneous account. Please remove it from my credit report! The next issue is a XXXX XXXX XXXX # XXXX .... this account is also reporting as charged-off. Again, I don't know what this account is!!!! I have requested that the original credit furnisher provide a copy of the credit card application proving my liability in this debt and copies of statements showing that this debt is legitimate but they have not sent me anything. I have disputed this account with all 3 bureaus and XXXX has removed the account but, Equifax and XXXX continue to report the information, please have them delete the account from my credit reports. Moving on, there is a XXXX XXXX Delaware account in my credit report ( account # XXXX .... ) which is reporting as included in Bankruptcy. The bankruptcy was filed in XX/XX/2015 and according to the FCRA, accounts included in Bankruptcy can only report for up to 7 years... It is now over 7 years and I am officially requesting the removal of this account from my credit reports. Finally, the Bankruptcy public record for the Chapter XXXX Bankruptcy filed in XX/XX/2015 should also be removed from my credit reports because the account is now over 7 years old ( filed in XX/XX/2015 ). Please remove all of these accounts from my credit reports.
Consumer complaint received 2022-08-14
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXXXXXX XXXX, XXXX ACCT # XXXX, and XXXX XXXXE XXXX ACCT # 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 2022-04-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NV)

I keep finding documents and extra bank cards from Wells Fargo. These statements are showing I am making payments, but the payment was not applied to the account. Example is I was getting paid every two weeks and would send XXXX XXXX XXXX a minimum of {$200.00} every pay. A friend of mine works at XXXX XXXX and I asked her to look into my account history. She said I had made 10 payments and never late. I sent her a list of payments I was showing from the bank statements which included 12 payments that I found. I was missing XX/XX/XXXX bank statement and XX/XX/XXXX bank statement ... the numbers obviously don't match. 

I also found lastnight that I bounced a check to XXXX XXXX XXXX for XX/XX/XXXX rent. Not only was I not aware I bounced but they covered it somehow. Im not sure if they are creating bank cards or how it is being done but I was using XXXX XXXX provided by XXXX. I found a statement and it looks like they were funneling money through this account. I remember I was struggling at the time but this statement claims I had over {$7000.00} I am at a library because everything i have is compromised. Please make this stop I also need the charges related to XXXX XXXX investigated. I dont use it, nor have I ever. 

My student loans are also in need of investigation. I didnt receive those funds. I received a portion but I know I didnt get what is claimed.
Consumer complaint received 2022-04-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC (CO)

I sent a check for roughly the amount of {$18000.00}. This check is from XXXX XXXX to refinance and paid to flagship credit. XXXX XXXX has confirmed flagship has gotten the check and deposited it. Flagship is now refusing to give me my title and has no history of the check even though XXXX XXXX confirmed and sent me proof it was submitted and deposited by them
Consumer complaint received 2022-04-07
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: EQUIFAX, INC. (FL)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX/ {$140000.00} / XX/XX/2021
Consumer complaint received 2024-12-12
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: U.S. BANCORP (OR)

Hello The US rXXXX XXXX XXXX send to me isnt working. i cant withdraw or transfer. i call the card representative agent they said i should talk to XXXX XXXX  for solution. And I did that though. Please my {$3100.00} is with US XXXX. I want the money to be send back to me inform of direct deposit to my bank account. Or they should allow me to make the transfer.
Consumer complaint received 2022-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I requested Citizens Bank remove the escrow account from my mortgage on XX/XX/XXXX. 
I paid to have them appraise my property to remove the PMI insurance in XX/XX/XXXX. XXXX established my XXXX to be 64 %. Value {$410000.00} and loan balance {$260000.00}. 

The requirement to remove XXXX or Escrow is 80 % XXXX. On XX/XX/XXXX Citizens Bank sent me a letter rejecting my requested to remove the Escrow account. I called and the outbound message indicated 1hour hold time to get to representative. I finally got in touch with a supervisor XXXX XXXX contact number XXXX. She told me the XXXX to remove the escrow uses an XXXX based on the original value and the current loan balance. She told me I needed to pay down the loan by {$11000.00} and they would remove it. So I scraped together all my savings and paid it over the phone with her processing the payment. She promised me she would get the requested processed and completed. That was on XX/XX/XXXX I have a confirmation letter from Citizen Bank. I have called XXXX no less then 30 times and she informs me nothing has been done. I Have done everything they asked of me. It has been 3months since this started. I have all the documentation to support the above summary. Please get them to release my escrow account immediately.
Consumer complaint received 2022-04-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DC)

On or around XX/XX/22 I submitted a dispute for fraudulent accounts and inquiries appearing on my Experian Credit Report. In accordance with requirements set forth under Section 605B of the Fair Credit Reporting Act ( FCRA ), I provided a copy of my drivers license, a list of the fraudulent inquiries that I did not consent to or authorize, a copy of the Identity Theft Report that was filed with the Federal Trade Commission ( FTC ), and a copy of the police report regarding the identity theft filed with the DC XXXX Police Department ( XXXX ). 

Despite this, XXXX failed to block the information. On XX/XX/22 Experian sent correspondence stating that I needed to provide additional information. Experian also notes, " It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. '' Assuming they are referring to the police report based on the reference to criminal penalties, this was submitted to the DC XXXX Police Department. Moreover, an Identity Theft Report was was submitted to the FTC via the FTC 's website. As the attached documents show, a copy of my drivers license and utility bill was provided along with correspondence which included my full name, social security number, date of birth, complete addresses for the past two years and list of fraudulent accounts. All of the information that Experian states is required, was provided to them on numerous occasions. Despite this, they continue to report fraudulent information including inquiries and accounts related to ongoing Identity Theft. 

Given that all of the information that is required to block fraudulent information was already provided Experian and was received by Experian as evidenced by certified mail receipts, they are required to block this information. Experian 's ongoing failure to remove the fraudulent inquiries is a violation of my rights under the FCRA.
Consumer complaint received 2022-06-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Link USA, LLC (TX)

Due to having identity theft, I'm requesting that all interactions and correspondence be done through postal mail and not through phone calls and email. My identity and finances have been compromised and I can not have any communication through phone calls or email. I have police reports showing that I have been compromised in my bank account and in my credit.
Consumer complaint received 2022-04-07
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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I was in XXXX XXXX XXXXXXXX XXXX XXXXXXXX in XXXX for XXXX year and my automatic withdrawals were still processing- the bank knew i was in XXXX knew i was in hospital and knew that i had no way to respond, or any way to stop the situation and yet charged me horrendous fees, and then closed my account as a charge off due to the fees. I WAS SEVERELY AFFECTED BY PANDEMIC AND INSTEAD OF BANK PROTECTING MY ACCOUNT AND MY CREDIT THEY WERE ONLY CONCERNED OF THEIR OWN MONEY MAKING SCHEMES AND RUINED MY CREDIT. NO ONE CAN PUNISH ME NOR MY CREDIT FOR BEING XXXX XXXX XXXX XXXXXXXX AND AFFECTED BY A GLOBAL PANDEMIC. IN ADDITON - HOW COULD I HAVE POSSIBLY FIXED THIS ISSUE IF I WAS BASICALLY XXXX  IN XXXX AND CONTAGIOUS WITH XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX.. SOMEONE EXPLAIN? THE MERE FACT THAT I SPOKE TO THE MANAGER AT THIS BANK AND INSTEAD OF HIM RESOLVING IT AND EXCUSING ALL THE CHARGES HE ARGUED THEY WERE LEGITIMATE AND MY PERSONAL SITUATION HAD NO BEARING ON THEIR BUSINESS. THE CARE ACT FOR PANDEMIC STATES THIS CAN NOT BE DONE, I WANT IT IMMEDIATELY REMOVED FROM CHEX SYSTEMS, IN ADDITION THE FEES ARE WRONG I WANT THEM DISPUTED AND REMOVED AND I DEMAND MY DEBT CLEARED AS THEY TOOK THOUSANDS AND THOUSANDS OF DOLLARS WHILE I WAS XXXX XXXX XXXX XXXX. THIS BANK IS ALSO XXXX TO ANY ONE WHO IS NOT OF XXXX  ORIGIN AND TREATED ME LIKE TRASH EVERY TIME I WENT IN THERE. I DEMAND THIS RESOLVED - FEES CANCELED AND REMOVED OR I WILLL SUE AND GO PUBLIC.
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXXXXXX {$530.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX {$29000.00} Date opened XX/XX/XXXX XXXX XXXX {$1900.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX {$5100.00} XXXX Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$430.00} Date Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$11000.00} Date Opened : XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Consumer complaint received 2024-12-11
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (CA)

I old phone number XXXX XXXX XXXX was given to my XXXX name XXXX. 

He sent me a message from : XXXX XXXX XXXX XXXX. 
Reference number : XXXX I was a victim of identity theft where they compromised my social security, cell phone and bank account when I was out of the country for 1 year between XXXX - XXXX. 

Someone was using the internet pretending to be me. 

Please cease and desist this action. I am exempt from any charges.
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX/ {$140000.00} / XX/XX/2021
Consumer complaint received 2022-04-07
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: Nationwide Recovery Systems, Ltd (FL)

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-04-07
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: JPMORGAN CHASE & CO. (FL)

I have tried to file a dispute with Chase business visa credit card since XX/XX/XXXX. I have also written to the XXXX office and they refuse to assist me because the dispute concerns a closed credit card account. I have provided XXXX pages of documentation to Chase disputes and they continue to tell me the documentation is adequate but that a special dept that handles disputes for enclosed accts will be in touch. It has been over 3 months, numerous phone calls and hours on hold. The amount of the dispute is {$10000.00}. The former credit card account was closed in XX/XX/XXXX and Chase claims they have no record of my credit card account it even though I have provided a copy of the actual credit card statement ( from the closed account ). How can there be no record? What is the record retention policy or law? I have since opened XXXX other Chase business credit card accounts and also have a personal account. I am seeking a temporary credit to be applied to any of my other Chase cards. XXXX XXXX and XXXX have provided temporary credits for disputes on the exact same matter related to XXXX Cruises. In addition, I have had many incidents of fraud on credit cards in the past and disputing a charge on a closed account has never been a problem- especially when all the needed documentation has been provided. And, apparently, the {$10000.00} was never paid to XXXX cruises and is held by XXXX in a trust account as reported in XXXX in XX/XX/XXXX. Documentation for the dispute has been attached to this complaint. I also have a chronology with details of each correspondence and phone call with Chase. I would appreciate any assistance the Bureau can provide in resolving this matter.
Consumer complaint received 2022-08-18
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : *CAPITAL ONE XXXX Date Opened : XX/XX/2016 Balance : {$0.00} Correct this reporting by revising the information provided. This account was paid as agreed and past due was already XXXX. Modify and perform any corrections or FIX this account from my file.
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (NY)

My personal information was misappropriated by someone I didn't know, and many overdue bills were recorded on my credit report, resulting in a negative credit report for me. 
The creditor and collection agencies, instead of showing me the original data package when the bill was created, only showed me the debt bill in the person 's name. 
I sent a statement to the creditor 's rights company and the debt collection company to investigate, but it was not resolved. The creditor 's rights company continued to accept the business handled by the embezzler, and the overdue result was recorded in my credit report.
Consumer complaint received 2022-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX USAA Savings Bank XXXX XXXX XXXX XXXX Re : XXXX XXXX  XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I have a {$6600.00} charge-off. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2022-04-03
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-04-03
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. (CA)

I have lease a vehicle in XXXX of XXXX from XXXX XXXX XXXX. I never had any single late payment on this account. I have decided purchased this vehicle in XXXX of XXXX. After completely paying off this car loan it has started to report repossession on my credit report. I have contacted this creditor and they said it was reported by a system error and they will make a correction. 
It has been XXXX months after my last request and it has never been corrected. I have called them again and been told that because the account is already closed and they dont report it every month it can take a long time for an update. 
Also with this request I am sending you copy of the Payoff letter from XXXX XXXX, XXXX XXXX XXXX letter and Title Release letter. 
At the current moment I have this car at my possession which I am driving. 
Because their incorrect reporting my credit scores came down about 100 points. Right now I have to refinance my house but I am not able because my scores are suffering because of this issue.