davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (FL)

Mile Stone Credit Card has a website that doesnt accept online payments even though they advertise that they do. I tried numerous times to make payments and work with customer service. I missed 1 payment and they put it into collections. People need to be warned about this credit trap.
Consumer complaint received 2023-06-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (MA)

A check was sent to TD BANK N.A. Processing center in Maine. The check was sent from the PRIVATE side of the bank account ( look up definition of closed account blacks law dictionary ). 

The paper check was sent as an E.F.T ( ELECTRONIC FUNDS TRANSFER ) not as a Deposit which means the credits transfer on the spot. ( Look up Title 15 7001-7003 of the ELECTRONIC SIGNATURE ACT ) everything is Legal!! 

So TD BANK N.A. Executed the E.F.T for {$350000.00} on XX/XX/2021 which was the full amount due on mortgage. TD BANK N.A. Then put the {$350000.00} of credits into what is known as an UNAPPLIED FUNDS ACCOUNT. ( Look up definition of UNAPPLIED FUNDS ACCOUNT ). 

4 days after putting {$350000.00} into the UNAPPLIED FUNDS ACCOUNT TD BANK N.A. APPLIED THOSE FUNDS but NOT to the LOAN. 

Where did the {$350000.00} go??? It just disappeared!!! Without a trace. 

On XX/XX/XXXX we received a letter from the Insurance company for the home insurance Saying that the coverage has ended because TD BANK N.A. told them the LOAN WAS PAID IN FULL. I have all the Evidence and documentation for everything!!! 


Dates, times, amounts, letters, paperwork etc. I have it all that TD BANK N.A has committed BANK FRAUD. WIRE FRAUD. EMBEZZLEMENT among other things. And lying about the ORIGINAL NOTE they say they have in there possession!!! They Do Not!! 


TD BANK N. A. Sold the ORIGINAL NOTE the second the MORTGAGE was signed. 



This needs to end. The MORTGAGE is DISCHARGED in Full. And they need to be held accountable for there actions. 


When you need all the EVIDENCE in this case I have everything!!! Every payment, date, account, amount, I have it all.
Consumer complaint received 2022-12-03
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)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
All Accounts related to the matter : XXXX INQUIRES : XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX on 02/25/2021 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 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 2022-12-03
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

I am disputing my current Experian, XXXX and XXXX credit report and requesting a re-insertion of my auto loan XXXX XXXX XXXX. It was removed from all credit bureaus, therefore, my credit scores have been reporting inaccurate. This is a legitimate dispute, and I am hoping you can resolve this matter. Please reinsert XXXX XXXX XXXX back onto my credit report. Thank you.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XXXX I received a message on my phone claiming to be wells fargo. they wanted me to review suspicious charges on my account. knowing that these calls can be spoofed I hung up and called wells fargo. while the wells fargo support person was looking into my account I notice that {$4000.00} was transferred to my account from my wife 's account, and then my whole account was drained of {$10000.00}. I made them aware of the transaction immediately and started the process of opening a claim to retrieve my money. Wells Fargo then gave me a case number and opened two new account numbers for me and my wife and closed the original accounts. the case was denied and I was told that the reasoning is that they said I was the one who did it. which in no way is true. they literally got every penny I have leaving me without a way to support my family. when I got the letter saying the case was denied, I requested that they reopen the case and escalate it to XXXX. they even went to the extreme to blame me for the transaction. they took over three weeks to resolve it again and once again they denied it. I was not given the courtesy of a phone call that was promised to me which is very unprofessional. I am unwilling to forfeit what seems like a non important amount to a XXXX dollar company. I am ready to take this to a lawyer, but id rather fix it at this level. I beleive all Wells Fargos calls are recorded so they should have the call I made initially to try and stop this from happening recorede. Im looking to have this resolved immediately.
Consumer complaint received 2022-12-02
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Eastern Account Systems of Connecticut, Inc. (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2022-12-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (FL)

I was involved in a car accident on XX/XX/2022 in which my car was declared a total loss by my insurance company XXXX. My claim adjustor from XXXX has been trying to contact truist bank 's total loss department since Wednesday XX/XX/2022 and he continues to be sent to voicemail. He has left several messages and no one from this department has called him back. He asked me to call as well and I have also called and left numerous messages and I have yet to receive a call back. Yesterday XX/XX/2022, we called Truist bank 's XXXX loan customer service department together on the same line and spoke to a representative. He asked her for assistance in resolving this matter, such as a letter of guarantee which is needed and she said " I can't assist with that, only the total loss department can assist you ''. We advised her that we both have been calling the total loss department ( phone number XXXX ), since Wednesday with no response and she said, " You just have to keep calling and eventually someone will answer ''. We advised her that this was very unprofessional, but she continued to advise us there was nothing she could do on her end since only the total loss department handles the letter of guarantee. She transferred us once again to the total loss department in which we were sent to voicemail and he left another message detailing the purpose of his call with his name and phone number and my account number and stated for someone to please call him back. Progressive insurance is ready to pay off the car, but Truist has not been of any assistance with this matter. I am left without a vehicle and I will now have to make another car payment on XX/XX/2022 which is the due date for a car I no longer have, because we haven't been able to contact the total loss department. XXXX will not pay the full amount, therefore once they pay their portion, I have to file a claim with my gap insurance so that they can pay the remaining portion. I have not been able to resolve anything with Truist bank. I am currently renting a car from XXXX which I will have to pay from my own money starting Monday XX/XX/2022 since my insurance will not cover me after that.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc (TX)

I disputed XXXX amounts on my chime account that happened from XX/XX/XXXX & XX/XX/XXXX. 
I lost my phone at a bar on the XXXX early in the morning hours because I was at a bar for my birthday. Someone was able to use my banking app and XXXX XXXX  to make these transactions. I did not become aware until the XXXX because I had gotten a new phone XXXX days later and never noticed any of the charges. I did not have the CHIME app on my phone yet. I could not log into the application due to not remembering my password. I disputed this on XX/XX/XXXX and my claim was denied a day later with no further information. The entire claim was XXXX
Consumer complaint received 2022-11-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC XXXX. XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX {$1200.00} XXXX. MIDLAND CREDIT MANAG {$1800.00}
Consumer complaint received 2022-11-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MN)

My account was first frozen with no explanation after trying to transfer money to my own bank account. They requested identification i sent it to them. After it was unfrozen and the money was still not sent, i reached back out to find out when the money would be available they deactivated my account and stopped responding to emails. Im yet to receive my money from VENMO, and they refuse to speak to me
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (OR)

I changed bank accounts after experiencing a fraudulent charge that my bank wasn't willing to fix. Shortly after I opened and funded my new account, I contacted Grain and asked them to please send me a way to pay my account. They sent me a link that wasn't working to make a one-time payment. I then tried to log in today and update my bank account ( this is the 4th time since XX/XX/2022 ) and again it does not allow this. I then emailed yet again to ask for a way to fix my account. I was able to click the link and make a payment today, but the company has added late fees to my account and reported my account as 90+ days past due. My account is past due and over the limit only because they will not allow me to make a payment or update my information. Included is proof of my initial email and my payment confirmation.
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: LendingPoint Holdings LLC (AL)

Someone did a hard inquiry on my credit XXXX XXXX and it says there is an installment loan but it does not belong to me! 
I tried to call the company listed and if the and it belongs to a rewards program and there is an automated message and then it hangs up.
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (CA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX Balance {$9900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-03-21
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. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2023-05-05
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)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit report. Therefor The account below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 168c-2. MY FTC REPORT IS ALSO ATTACHED BELOW! 


ACCOUNT NAME - XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Based on, 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later then 4 business days after the date of the receipt. 
This ACCOUNT should NOT be furnished on my consumer report as they in VIOLATION under, 15 U.S. Code 1681b - Permissible purpose of consumers reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency 's WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of these accounts IMMEDIATELY,