davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following account has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-14
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 (PA)

For the XX/XX/2021 transaction date which posting XX/XX/2021, the following three fraudulent transactions were made with my Bank of America Card : 1. XXXX - XXXX XXXX XXXX XXXX - SERVICE STATIONS ( WITH OR W/O ANCILLARY SERVI- Reference Number XXXX, {$21.00} XXXX. XXXX - XXXX XXXX XXXX XXXX - AUTOMATED FUEL DISPENSERS, Reference Number XXXX, {$9.00} 3. XXXX XXXX XXXX XXXX XXXX - AUTOMATED FUEL DISPENSERS, Reference Number XXXX, {$92.00} On Saturday, XX/XX/2021 at XXXX XXXX  I received a notification from " BofA Security ''. The notification asked me to confirm if I used my credit card at XXXX XXXX in the amount of {$XXXX}. At XXXX XXXX  I texted back " No '' to immediately notify the bank that my card was compromised. 

Reviewing my account, I became aware of the other three fraudulent transactions. I called Bank of America the morning of XX/XX/2021 to notify them of the fraudulent transactions. At that time, the bank asked me if I had the card in my physical possession, and I stated that I believed I did. Bank of America told me that they opened an investigation into the fraudulent charges and they issued me a fraud dispute credit. Only later that morning, when I went out to my car, did I realize that the Bank of America credit card was taken from the center console of my vehicle along with another credit card through XXXX XXXX. 

On XX/XX/2021, the fraud dispute credit was reversed. Upon receipt of this letter, I called Bank of America back with the additional information about the theft of the physical card. This claim has now been denied upon appeal twice, and, as recently as XX/XX/2021, they notified me that " unfortunately, our decision to decline your fraud claim for this transaction ( s ) hasn't changed '' based on the " charge is consistent with previous charges with this merchant ''. Someone stole my card out of my car, which was parked in the driveway of the neighborhood I live. The fraudulent charges were then made at the closest gas stations to my home, therefore this logic for claim denial is faulty.
Consumer complaint received 2022-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I disputed a closed, wrong reporting acct. They never sent verifiable proof, can't connect the address to the account, this has been going on for over 1yr.
Consumer complaint received 2022-05-23
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: OPORTUN FINANCIAL CORPORATION (PA)

Someone opened an account in my name with oportun/XXXX  that I did not authorize. On XX/XX/XXXX I called them and spoke with XXXX and XXXX who started the fraud report and advised me that the funds had been frozen and that I would receive an Identity theft kit in the mail in 10 days. I got the packet, filled it out, sent it back and waited but got no response. 

On XX/XX/XXXX I called and spoke with XXXX XXXX who advised me that I didnt send a copy of my ID. I faxed a copy on XX/XX/XXXX and it showed as successfully received. XXXX confirmed my affidavit was received. Still got no follow up from a fraud department. 

On XX/XX/XXXX I called and spoke with XXXX and XXXX who told me that the fraud department is still working on it and they will reach out to me. 

There are now derogatory marks on my credit report because they are showing the account as late by 30 days.
Consumer complaint received 2022-08-08
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. (NV)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}
Consumer complaint received 2024-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (NC)

My Mom had an account with Wells Fargo. She passed away on XX/XX/year>. The account was deemed fraudulent by Wells Fargo and the account was flagged as fraud. Wells Fargo filed a claim against my Mom 's estate on XX/XX/XXXX. 2023. In XX/XX/year> they attempted to collect this debt from me personally when I had nothing to do with the account. I previously filed a complaint the CFPB after which Wells Fargo sent me a letter and stated there was a zero balance on the account. Since then I have repeatedly called asking for a lien release against the property. Wells Fargo reps continue to tell me they are going to send me a lien release and they will not do it. They give me a deadline and cant even meet their own deadline. Every time I call there excuse is someone is out sick or someone is off today. Today after over a month of calling the Estate Dept transferred me to the Executive office once again and could get no help there. Also, even though they know my Mom is deceased they sent a letter recently to her ( not the estate ). All I need is the release from the estate and to get some cooperation from Wells Fargo.
Consumer complaint received 2019-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In late XX/XX/XXXX and early XX/XX/2018, 4 fraudulent withdrawals were made from my bank account ( s ) with Bank of America. These transactions were : {$900.00} Cash Withdrawal in  XXXX XXXX, CA on XX/XX/2018. A Fraudulent check for {$2300.00}, returned on XX/XX/2018. A fraudulent check for {$2200.00}, returned on XX/XX/2018. A fraudulent check for {$2100.00}, returned on XX/XX/05. 

Upon first noticing the fraud on XX/XX/2018, I contacted Bank of America, and they closed my then-current account to open a new one. In subsequent days, the additional fraudulent transactions listed above came in - including one in the NEWLY OPENED bank account, for which I hadnt yet received a Debit Card or PIN ( because the representative forgot to send it to me, which was indicative of my entire experience with Bank of America throughout this long process ). This means that, despite my account being locked and a fraud alert being placed upon it, a teller at some branch allowed additional fraudulent activity to take place.

The fraud department has told me that an investigation will take 60 business days to complete. In the meantime, my entire bank accounts balance is locked to me. Bank of America refused to issue me a credit, stating that these transactions would require my PIN number - something that I have never told anybody, but which could have been stolen in any manner of ways.

I have filed a police report regarding this issue, but this has not sped up the process whatsoever.

The fraudulent checks have a signature on them that purports to be mine, but is not my signature. Bank of America knows what my signature looks like, and chose not to verify it when cashing these checks. In addition, these checks were for a far higher balance than any normal transaction in my bank account. They failed to do their due diligence, and expect me to suffer while they take their time.

Bank of America constantly talks about how they protect the consumer from fraud, but when I needed their help after being a customer for 10 years, they told me that I just had to wait while they took their time to conduct an investigation. I am tired of waiting. I have received no new information for over two months, and I want action on this immediately.

They have even started sending me emails stating that I owe them money due to these fraudulent transactions.

When all the fraud is removed from my bank account, I should have a balance of {$950.00}. I want this money returned to me without delay.
Consumer complaint received 2021-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (TX)

I am in recepit of a letter dated on XX/XX/XXXX from Credit Corp Solutions. They have stated that they are the new creditor on an alleged debt and stating that I owe an alleged debt. While reviewing the letter, I came across many violations pertaining to my consumer rights. Under the FDCPA, Congress states that a debt may be sold from a credit, but not my private information. 15 USC 1692c ( a ) alone states " without prior consent of the consumer given directly to the debt collector ... a debt collector may not communicate with a consumer in connection with the collection of any debt. '' I have never consented to contract with Credit Corp Solutions and they have breached my privacy.
Consumer complaint received 2021-09-15
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: EQUIFAX, INC. (MI)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2019-01-30
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. (CA)

Thank you XXXX XXXX enclosed is a copy of the credit report that you show as owning from Experian, I have disputed with Experian and they state the company listed { you } validated the account you are validating an alleged account that you do not own and reporting on it. you stated in case XXXX you do not own this alleged account and you can not do anything on credit report, { then how can you report and validate this alleged account that you state you do not own Experian state you validate alleged account, please remove the account with your name and stop reporting on an alleged account you do not own
Consumer complaint received 2019-02-01
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)

credit bureaus refused to reverse the late payments reported on XXXX   XXXX XXXX, XXXX XXXX XXXX  XXXXXXXX..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2019-02-01
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. (WI)

XXXX ran my credit WITHOUT MY CONSENT OR AUTHORIZATION! Transunion or XXXX  did not properly conduct the investigation and has still Not removed this from my credit report hence me filing another complaint in less than 3 months!
Consumer complaint received 2022-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

In regards to Account Resolution Account # XXXX I understand they said they mailed the proof of validation to me but I just recently found out that someone was stealing my mail. I would like proof of validation. If possible could it be sent via mail and also uploaded in the company 's response. A clear break down of the fees and charges. Not just a bill with my address but a clear breakdown of the alleged charges. Please provide a breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my information to you. I request full documentation of what you have received from the provider of service in connection with this alleged debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Consumer complaint received 2022-03-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (MD)

On the XX/XX/2022 i initiated an international wire transfer of {$17000.00} through my secure chase bank online account to a family member in XXXX. He never received the money, after six working days i contacted chase bank which i was told to wait a day more, I waited a day more there was still no money in my family member account in XXXX, I called chase bank and instructed them to initiate trace and recall of my {$17000.00}, which they did. the next day XX/XX/2022 i called chase bank again and i was given an email to report the problem am having with the wire transfer, WIRE ACH URGENT, i sent email to them and i did receive a response immediately. 
Thank you for contacting XXXX XXXX. 

To maximize efficiency and turnaround times please follow these guidelines : - DO NOT submit the same request multiple times, it will cause delay - Follow the instructions on the form when entering the required information on the subject line - Do not send requests without a form, as it won't be processed Please note requests received after XXXX pm EST will be processed the next business day. 

Today is XX/XX/2022, i have not received any update or where about of my money, is very scary that a big bank like chase can not trace and recall wire transfer that went via XXXX and secure account. i need my {$17000.00} credited to my Account
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent disputes on XX/XX/2022 to remove unlawful information off my credit report. its been more then 30 days and its also bringing my score down. I can't buy a house or get a car with loans, due to the information on my report.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX and myself! Please send the proper validation
Consumer complaint received 2021-09-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (ID)

At the end of XXXX XXXX, Carrington Mortgage Services LLC offered to refinance my home and asked for a loan estimate from another company to see if they could offer me a better deal. Carrington offered me a conventional loan with much better numbers than the FHA loan I was considering from another lender. A payment for an appraisal was requested at that time. Because I had previously had a bad experience with an appraisal service, I told Carrington not to use that particular appraisal service. Two days later I received a call from the appraisal service I had the bad experience with, so I called the loan officer and told her again NOT to use this appraisal service. Another appraisal was ordered through another company and a refund for the first appraisal was issued within a week. I then paid for another appraisal from another company. I was told the appraisal would be approximately {$40.00} more, but in fact it was {$65.00} more. The day after the appraisal was ordered, the terms of the loan changed and the conventional loan had morphed into an FHA loan with numbers comparable to the first company I had received a loan estimate from. During the next week, the loan estimate changed two more times, so I contacted the loan officer and her manager to inform them I was no longer interested in pursuing a loan with Carrington and would they please return the appraisal fee. This was on or about the XX/XX/XXXX. A couple days later I received a notice from Carrington stating that my loan had been denied because, " We do not grant credit to any applicant on the terms and conditions you have requested. '' This adverse action caused my credit score to decrease when I was the one who canceled the loan process because of a lack of communication and an abundance of misinformation ( lies ). As of today, XX/XX/21, I have received no communication regarding an appraisal refund and no refund has been issued to my credit card.
Consumer complaint received 2020-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello Guys. I'm glad I was able to find you. XXXX, XXXX, and Trans Union are really upsetting me right now. Several months ago I disputed accounts that did not belong to me with the credit bureaus. I did it on XX/XX/20. I still don't have any kind of notification from anybody. Not even a notice from the collectors saying they received a notification from the bureaus. 

I also send them another notice on XX/XX/20. I don't know what's going on, but I need this investigation completed now. I don't want to wait months just to get them to START an investigation.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION (NC)

I closed a checking account with Truist bank on XX/XX/23. This was approximately a 30 minute process and I was assured that the account was closed. The bank proceeded to keep a one cent balance in this checking account and then subsequently charged me a XXXX XXXX fee for not keeping a minimum balance. This fee was charged on XX/XX/2023. Please evaluate if this is a chronic problem from Truist bank similar to the previous practices of XXXX XXXX several years ago. Also, please contact Truist to confirm this account is closed since I no longer trust any of their representatives.