davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$360.00}, {$1800.00}, {$650.00}, {$1800.00}, {$2800.00}, {$1200.00}, {$1300.00}, {$930.00}, {$930.00}. 
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 ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

4. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$650.00} -This is not my account. 


-- CLOSED ACCOUNTS 5. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

7. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

9. XXXX/XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$930.00} -This is not my account. 

10. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$930.00} -This is not my account.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RentDebt Automated Collections, LLC (TX)

In 2017 I received notice from rentdebt automated collections that I had a balance of {$6200.00} from a XXXX XXXX XXXX, my previous residence. The information was not correct according to the management company of XXXX XXXX. Unfortunately the property of XXXX XXXX has been acquired by a new management company and there are no records of this debt. I want this item removed because it is not correct and the company refuses and uses scare tactics to recieve payment.
Consumer complaint received 2020-05-06
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. (MD)

On XX/XX/2020, I sent via certified mail ( which was received and signed for on XX/XX/2020 ) to dispute the accuracy, compliance and reportability of the listing of a public record appearing on my report " US BKPT CT PA XXXX. '' I formally requested that Experian provide me with any and all documents bearing my signature as proof that this record belongs to me, and also in a subsequent letter sent on XX/XX/2020, I requested proof of their method of verification and all related documents. To date, they have replied to all letters stating that they verified with the data furnisher that this information is accurate, claiming that they " verified '' this information via XXXX XXXX ; however, they have NOT indicated on my credit report that this specific item is being disputed by me ( which is a direct violation of FCRA ), nor have they furnished any documents from their supposed reporting source, XXXX XXXX, which I am entitled to by law, as proof that they have " verified '' this supposed public record. 

My complaint here is about direct violations of FCRA on the part of experian for not accurately reporting within 30 days of the receipt of my initial letter on XX/XX/XXXX, that I am disputing this item. In addition my complaint is about a direct violation under FCRA on behalf of Experian for not furnishing me with the proof which I am entitled to, as proof that XXXX XXXX has indeed " verified '' this record.
Consumer complaint received 2020-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$450.00} XXXX/XXXX   XXXX {$3200.00} XXXX XXXX {$4300.00} XXXX XXXX XXXX {$120000.00} CHAPTERXXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTERXXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2024-11-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (IL)

I contacted US Bank Home Mortgage Department on XX/XX/year> to discuss why my escrow account is always in the negative, which I already know why, because XXXX XXXX is over-charging XXXX {$3000.00} for the homeowners insurance on a XXXX sq ft flooded XXXX XXXX. They're in cahoots with US Bank. As long as they over charge us for the homeowners insurance that allows both US BANK to profit as well by constantly raising the mortgage on a HUD FHA loan. My mortgage started out being {$390.00} a month. Then it went down to {$370.00} a month. Now US BANK trying to make us pay over {$670.00}, because they're stealing my husband 's retirement payments out of our checking account & the XXXX XXXX caught them on XX/XX/year> trying to steal his XXXX XXXX XXXX XXXX. The XXXX told me to turn them in then. US Bank hurried & threw the payment into pending to cover their actions. If US BANK can't get their palms greased one way they're going to find a way to scam us. Now my escrow account is in the negative by {$150.00}. I went from paying {$520.00} to over {$670.00}. Unless we pay the shortage by a certain date to lower the payment to {$570.00}. US BANK think I don't know how to calculate my escrow account. They've been stealing for years using the insurance companies to do it. This is exactly why they staged that car accident last year to cover their actions. When I find cheaper insurance US BANK denies it after telling us to cancel to try & cover their asses.You know why? They want to keep our escrow account in the negative like I told the federal reserves. I am attaching both phone conversations from XX/XX/year> when I called US BANK XXXX XXXX XXXX requesting to cancel that high XXXX insurance policy. When I tell you to do something you don't wait until you have the opportunity to cover your lies. I understand I don't want to have a lapse in coverage, but I have already forwarded US BANK the new policy quote which is more than enough coverage, because progressive mirrored my current policy so they can't lie this time & say it's not enough coverage. XXXX mirrored my current policy for half the price. I am attaching all of my insurance policies & demanding my got XXXX money back, because I have never filed a claim with XXXX. I shouldn't have to keep calling back when I asked you do something the first got XXXX time. Not to mention US BANK just waiting to process that weak XXXX {$150.00} on XX/XX/year> with their real thirsty XXXX before they approve my new policy. Like I told the rep on XX/XX/year> pretty soon you won't have to worry about collecting a got XXXX dime. US Bank going right with the insurance company fraud XXXX after tearing up my got XXXX car over this piece of XXXX XXXX. Pretty soon you won't have to worry about XXXX people showing up at your fraud XXXX brick & motor.
Consumer complaint received 2020-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (VA)

XXXX XXXX XXXX has submitted for collection a debt which is time-barred. The literature sent to me cites VA code section XXXX, which section sets forth the time limit to commence such actions ( 2 years ). They will not answer my calls and have submitted violations allegedly occurring in XXXX  and XXXX to an out-of state law firm which also refuses to communicate with me.
Consumer complaint received 2020-10-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$890.00}, {$0.00}, {$8500.00}, {$430.00}, {$390.00}, {$740.00}, {$3500.00}.

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

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

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


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$740.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account.
Consumer complaint received 2022-11-06
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. (WA)

I faxed Experian 9 different credit disputes to Experian on XX/XX/2022 no investigation has been initiated as of XX/XX/2022 Experian never Investigated nor did they forward the disputes to the vendors involved. 
Experian seems to think it's above Federal law.
Consumer complaint received 2024-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In XX/XX/year> I noticed fraudulent charges on my debit card, and submitted a fraud claim with Bank of America totaling about {$650.00}. {$450.00} of that claim was granted, but about {$200.00} was not. Their investigation into the fraud request used evidence that was factually incorrect ( for instance, one reason my claim was denied was because BofA said the charges occurred XXXX miles from the billing address. The Charge was made in New Jersey and the billing address is in Maryland. )
Consumer complaint received 2020-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not authorize anyone employed by XXXX/XXXX  OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX  did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
Consumer complaint received 2022-08-15
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: PENTAGON FEDERAL CREDIT UNION (MN)

Someone fraudulently Opened Line of Credit Account on mane that worth of {$500.00}, Checking and Saving Account. The Bank name is XXXX XXXX XXXX this Account was opened XX/XX/2022, the Bank Address and phone number is. 
XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I already called pentagon Federal credit union and they said they will close the Accounts and the Accounts are still Open.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc. (IN)

On XX/XX/22 i noticed that XXXX  someone was making unauthorized purchases with my card. I could only see that XXXX charges were pending for XXXX, {$290.00} and {$190.00}. I called my card and informed them on XX/XX/22 at XXXXXXXX XXXX They froze my acct. I made them aware that i am still getting notifications that my card is be declined at XXXX and some one is still trying to use it and that all XXXX  charges are unauthorized. Then on XX/XX/22 while my card was still locked they released XXXX payments to XXXX for {$250.00} and {$180.00}. XXXX not sure why they did this on a locked account. i called them and they said they had to do this to go through the process of fixing my acct and " i was not to worry ''. Their card holder agreement state that if i report the charges within 2 days of knowing about it that the most money i would lose is {$50.00}. They are refusing to give me any of the this money back.
Consumer complaint received 2022-06-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC (NE)

This debt was from my husband before he passed in XX/XX/2021 and XXXX is saying I'm responsible for this debt and has sent this debt to a collection agency Revco Solutions Inc. This debt was in XX/XX/2021 and could of collected the debt from him when he was alive, I have not signed anything stating I was responsible for this debt that is not mine or signed anything that I would cover his bill.
Consumer complaint received 2021-07-15
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. (VA)

XX/XX/XXXX and XXXX XXXX for {$660.00} Credit Collection I Sent letters requested the credit bureaus Transunion, XXXX, XXXX as well as the creditor to provide me the documentation of the proof of verification of investigation that they was suppose to did that they was able to determine account was in fact mine. I have not business with company and unaware of the debt. I also reached out the creditor as well and no response from them or the credit bureaus. And requested the account to be removed from my report if not able to verify it's still reporting on my report negative, and no response from bureaus
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am at a loss as I have tried reporting an inaccurate credit score drop with TransUnion regarding a 65 point drop for a credit line increase. The {$500.00} increase was provided to all consumers of my financial institution for the Covid-19 pandemic, as a stimulus, without soliciting for it. Again, the increase was a courteousy increase and absolutely no credit inquiries were performed as part of this increase. I notified my financial institution on XX/XX/2020 to express my concerns about the increase adversely affecting my credit. I was assured, by my financial institution that it should not adversely affect my credit score since no credit inquiries were performed. However, on XX/XX/2020, I recieved an alert from my credit monitoring service that my TransUnion score dropped. My score dropped a whole 65 points solely due to the {$500.00} increase, no other CRA reduced my score due to this increase. I assumed this was an error and would fix itself since the balance of that credit card that was increased is and has been at a {$0.00} balance for the past 6 months or more. In addition, all credit line balances I have open were also reduced significantly and no new adverse entries were added. However, it is now XX/XX/2020 and my TransUnion score still reflects the 65 point reduction. To add insult to injury, TransUnion complaint line goes unanswered when you call and the online complaint option does not allow for a unfair credit score dispute. I have no idea how or why TransUnion reduced my score so significantly. I want answers and for my score to return to its rightful status. I have not worked this hard to maintain my credit profile for an eroneous computer glitch or intentional score resuction to tarnish my credit worthiness. I want TransUnion to investigate how and why this happened, correct their processes/procedures that allowed this to happen so that it does not happen again and adjust my credit score back to it rightful standing of 734 or higher.
Consumer complaint received 2022-12-15
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-17
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: AMERICAN HONDA FINANCE CORP (FL)

I Have honda Finance loan. I forgot to pay my monthly payment on XXXX XXXX XXXX.I got call from Honda Finance on date XX/XX/XXXX about my monthly bill. I told them ok i will confirm in my bank bill pay schedule and if not i will pay today. I paid same day from my bill pay {$1500.00} for two months [ XXXX and XX/XX/XXXX ] but My Bank XXXX hold that money because they thought that this is not my regular payment so they hold it without my permission. I got call again from honda finance on XX/XX/XXXX about my bill pay I told them that i paid already on XX/XX/XXXX so you receive check on XXXX XXXX i called my bank on XX/XX/XXXX, that did they sent payment to Honda finance and that time they told me that they hold it and send check to them instead of send them electronically. because of all holiday XXXX XXXX and XXXX XXXX honda finance received check on XX/XX/XXXX. I again called XXXX XXXX  on XX/XX/XXXX to confirm about my payment and they suggest that still Honda finance didnt deposite check in yr account so they suggest me to cancel check amount of {$1500.00} and pay again two separate payment of {$750.00} and {$750.00} on XXXX. Honda finance received two deposite money on XXXX XXXX XXXX.I attach here my Bank Paybill Schedule and Honda Finance Payment History for yr kind information. You can see that they deposite my {$1500.00} Check on XXXX XX/XX/XXXX and refund on same day because i cancel that Check from my bank.
Consumer complaint received 2020-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rushmore Service Center, LLC (MD)

On XX/XX/2019, I was contacted through mail from Rushmore Service Center on a credit card debt asking me to notify them within 30 days after receiving the letter so that I can verify if the debt is mines or not. I mailed them back certified and they received the letter on XX/XX/2019. I asked them to provide any legal evidence that I owe them, to show my contract that I signed with them, provide copied of the debt, proof that they are licensed to pursue the debt and their license number and I also sent a cease and desist letter so they would not call me. They did not provide me with their licence number, they did not provide proof that they are licenced in my state and they did not provide a signed contract that I have with them or the original company. They also typed up a false letter from " XXXX XXXX XXXX '' stating the information provided as validation of debt. XXXX XXXX XXXX sold the account so they will not be communicating with me. Rushmore Service Center did not provide me with a letter that they mailed to me on XX/XX/2019 explaining the " validation ''. They only sent a fake cover letter from XXXX XXXX XXXX and three statements from XXXX XXXX XXXX.