davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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. (PA)

In accordance with the Fair Credit Reporting and XXXX  XXXX  Account # : XXXX has violated my right 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX, my Personal Information got stolen. I am a victim of Identity theft. I am submitting my Driver 's license, Identity theft report where I listed all the charges that I did not make from Federal Trade Commission and a notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my report.
Consumer complaint received 2020-06-10
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. (MS)

I received a call from a collection company stating about a debt I owed on tv service. I have never applied for tv service, I quickly opened an account with XXXX  XXXX to review my credit report. I found student loan and other fraudulent accounts I have never opened or gave any one consents to open. Please delete these items from my account as soon as possible.
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I established autopay on my Citi Credit Card on XX/XX/XXXX which was confirmed by Citi when I called them on XX/XX/XXXX. They charged me a late fee of {$29.00} because I missed my XXXX payment deadline which was XX/XX/XXXX. The representative I spoke to on XX/XX/XXXX confirmed that there was an issue with the autopay on their side which is why it didn't take. That person re-established the autopay and made a one-time payment for the payment that didn't go through, which I asked them to do. When I asked them to reimburse the late fee as it was their issue, not mine, ( I did what I was supposed to do ) they transferred me around and eventually I was hung up on. I messaged with Citi today, XX/XX/XXXX with a XXXX and she said they can not reimburse the {$29.00} late fee and that I need to call in. I'm sick and tired of calling in, sitting on hold, and being transferred all over the place for no response. They've acknowledged this was their issue and they need to fix it.
Consumer complaint received 2022-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc. (IL)

On XX/XX/2021 TORRES CREDIT SRV added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, TORRES SRV has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

I opened a Citi Financial Credit Card/ co-branded XXXX credit card ( XXXX  ), on XX/XX/2020. I used the card to make one purchase. Due to COVID and mail delays, I never received a statement nor knew that a payment was due. As soon as I was made aware that a late payment was due on XX/XX/2020, I paid the balance in full.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (NJ)

Im about to change my phone number, however, there are criminals copying my phone number of XXXX XXXX XXXX XXXX and XXXX XXXX. They are using my Wells Credit card and checking account. XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX are using my credit cards and banking accounts illegally. 
There also people copying my number trying to ruin my bank accounts. My balance last statement was {$2500.00} and I made a payment for {$74.00}, they rejected the payment, however, they allowed me to use the card. They gave me a confirmation of a valid payment. I only made two purchases after XX/XX/2021. If I pay them the minimum of {$74.00}, I, I should not be over the credit limit. The balance should be around {$2400.00}. If you add XXXX, my balance last statement, plus charges for XXXX at XXXX, plus, XXXX ( XXXX ), plus {$29.00} ( late fee ) then the balance adds to around {$2600.00}. Now if they would have accepted my payment of {$74.00}, then my balance would have been XXXX XXXX. This is well below the limit. They gave me a a confirmation number for my payment which was XXXX. They are XXXX at this company and they reversed my payment and, now, they are trying to charge me double. I never missed a payment. Why do I owe {$120.00} next month in XXXX? 
They are allowing criminals like XXXX XXXX and XXXX XXXX to use my card. They need to be fired. I also believe that the ceo of XXXX, XXXX, XXXX, XXXX and XXXX are trying to ruin my accounts. I am going to have the FBI or other agencies investigate them. Basically, I should only owe them {$74.00}. He is XXXX and reversed my payment ruining my account.
Consumer complaint received 2023-03-24
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XX/XX/2022
Consumer complaint received 2022-04-21
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-23
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 (NC)

Starting from XX/XX/2022, transactions were made without my consent and authorization on my Bank of America checking account. These transactions occurred through XXXX, XXXX, and Bank Transfer. I filed a fraud claim to Bank of America on XX/XX/2022, once I was made aware of the transactions. The following will be a list of transactions made without my authorization as well as some deposits : - Date : XX/XX/2022, Withdrawal : {$120.00} Transaction Type : XXXX Transferred to : XXXX, XXXX. 
XXXX Transfer Confirmation Number : XXXX - Date : XX/XX/2022 Withdrawal : {$290.00} Transaction Type : XXXX Transferred to : XXXX XXXX Transfer Confirmation Number : XXXX Additional Information : Says " XXXX '', It should also be noted that I do not have an XXXX account - Date : XX/XX/2022 Deposit : {$990.00} Transaction Type : Online Banking Transfer Confirmation Number : XXXX - Date : XX/XX/2022 Withdrawal : {$990.00} Transaction Type : XXXX XXXX XXXX Transferred to : Unknown Confirmation number : includes the numbers XXXX and ends in XXXX - Date : XX/XX/2022 Deposit : {$650.00} Transaction Type : Online Banking Transaction Confirmation Number : XXXX - Date : XX/XX/2022 Amount Taken : {$600.00} Transaction Type : XXXX XXXXXXXX XXXX  Transferred to : Unknown Confirmation number : includes the numbers XXXX and end in XXXX - Date : XX/XX/2022 Deposit : {$1500.00} Transaction Type : Online Banking Transfer Confirmation Number : XXXX - Date : XX/XX/2022 Withdrawal : {$800.00} Transaction Type : XXXX Transferred XXXX : XXXX XXXX Confirmation Number : XXXX - Date : XX/XX/2022 Withdrawal : {$690.00} Transaction Type : XXXX Transferred XXXX : XXXX XXXX Confirmation Number : XXXX I called the Bank of America Fraud department and filed a claim. The claim number is XXXX. The fraud department claimed they would take up to 10 days or more to decide the status of the claim. Unfortunately, they denied my fraud claim. They have not provided me with documentation as to why they denied my claim. I will be filing a police report against the fraud in the next coming days and will attempt to appeal through the bank as well. 

A second claim was put in to address unauthorized transactions done on XXXX, I was given a claim number ( XXXX XXXX ) but am not able to access any record on the banking website nor have received any communication about the claim since it was made ( On XX/XX/XXXX ).
Consumer complaint received 2022-04-21
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. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-11-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (GA)

XXXX XXXX XXXX is attempting to collect a significant amount of {$950.00}. This is an outrageous and horrendous amount since I don't owe them that much. I called them and a representative told me this onXXXX. I believe this is coercion because they have also threaten to sue me for the deceptive amount via mail. They have also attempted numerous of times in unwanted times of the day to call me in attempt to collect this fraudulent amount of debt. I believe this is in direct violation to the Fair Credit Reporting Act because of inaccurate amount and the huge count of unsolicited calls made to my personal phone line by this collection agency. They also fail to report the collection to the three major credit bureaus when this account got sold into collections back in XX/XX/2020. This is more than the 90 day period it takes for it be reported as collections.
Consumer complaint received 2022-12-20
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (UT)

it's been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they had XXXX days to complete the investigation and by failing to do so the items must be deleted from the report as soon as possible.
Consumer complaint received 2021-07-07
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. (IL)

I'm Super Upset with this situation. I sent a letter reguarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I did my research I know the credit bureau 's have 30 days to reply back and they haven't. I feel like they are just taking Advantage of me by ignoring my disputes which I took the time out of my day to send. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Due to the law I researched, I demand these account be deleted immediately or I will file litigation due to the street you cause me. My information was impacted by the Equifax data breach and mayhave gotten into the hands of the wrong person. I am begging for help at this point.
Consumer complaint received 2021-07-07
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: JPMORGAN CHASE & CO. (NJ)

I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (FL)

Paramount recovery systems is in violation of 15 usc 1692 et seq after violating my consumer rights and posting debt to my expieran report without first notifying me. I found out by XXXX XXXX XXXX XXXX XXXX that on Thursday XX/XX/XXXX two accounts were posted on my experience report further damaging and injuring my consumer character. The accounts was flagged on XX/XX/XXXX but not reported until the XXXX without acknowledgment from me the consumer. I can attest I have never heard from this company nor ever known about this company. I have never had a contract nor made a transaction or received any goods or services from this company. This debt has not been validated and I do not know why PARAMOUNT RECOVERY SERVICES is attempting to use my information to extort me.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

sent ftc to experian with all the non accounts that were not mine XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute
Consumer complaint received 2022-08-15
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX account, XXXX has violated my rights Th Hippa law I did not sign a HIPPA release letter for my personal information to be released 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction
Consumer complaint received 2021-07-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing, LLC refuses to acknowledge that my husband and I have hired an attorney to handle our QWR requests with this servicer because SLS has refused to acknowledge/supply documentation in response to any of our correspondence requests since XXXX. We initially contacted XXXX XXXX 's office for help with our request back in XXXX. 

XXXX XXXX, our attorney firm, sent SLS a QWR request on XX/XX/XXXX, and SLS has responded by sending the attached letter dated XX/XX/XXXX to our home and no correspondence to XXXX XXXX 's business address. 

XXXX XXXX called SLS on XX/XX/XXXX at approximately XXXX XXXX. PST and spoke to SLS rep XXXX, ID # XXXX. XXXX advised XXXX XXXX that SLS has no idea that we have an attorney representing us, and she asked XXXX to supply her the attorney 's name to which XXXX responded to XXXX by asking/stating words to the effect, " Why did SLS send a letter to my home address dated XX/XX/XXXX and to me personally stating they couldn't respond to a QWR when I have not asked SLS to supply a QWR this year? SLS has sent this letter to me because my attorney sent a QWR request. Your company is well aware that I'm being represented by counsel ; otherwise, I wouldn't have gotten this letter in the first place, and your company should be sending this letter to our attorney. '' SLS rep XXXX then replied to XXXX 's comment by stating that SLS sent a letter to XXXX XXXX asking for appropriate documentation that they are, in fact, representing the Pinedas. XXXX asked XXXX to email her the letter that SLS sent to Equity Legal, and XXXX stated she was unable to gain access to this letter to which XXXX asked, " Then how do you know your company sent XXXX XXXX a letter? '' XXXX was unable to provide a response and stated she was reading notes on her screen. 

XXXX then asked XXXX to contact the appropriate department who has access to the letter and to have the letter sent via mail to XXXX 's home address on XXXX XXXX XXXX XXXX 
As of today, XX/XX/XXXX, SLS has not supplied documentation showing they sent our attorneys at XXXX XXXX any correspondence in response to our attorney 's QWR request or in response to SLS 's inquiry stating they need proof that we've hired counsel. 

SLS refuses to provide a lien removal on our property that was initially done by XXXX which makes it impossible to refinance our first mortgage, and SLS has refused to provide documentation to our attorney that they have a legal interest in our property.
Consumer complaint received 2024-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am a victim of identity theft, which resulted in a fraudulent account being opened with XXXX XXXX XXXX. I did not authorize or have any involvement with this account. 

Details of the Fraudulent Account : Company : XXXX XXXX XXXX Fraudulent Amount : {$30000.00} Fraud Began : XX/XX/year> XXXX  : XX/XX/year>XXXX  I submitted a dispute to Experian, including supporting documentation like my FTC Identity Theft Report, proof of address, and a copy of my drivers license. Despite this, the fraudulent account has not been removed. 

This inaccurate account is negatively affecting my credit report. Under the FCRA, I have the right to dispute and correct fraudulent or inaccurate information.
Consumer complaint received 2021-07-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-07
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: HYUNDAI CAPITAL AMERICA (NJ)

I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

On XX/XX/2021 XXXX XXXX XXXX XXXX maliciously placed a {$390.00} amount on my personal credit report with Equifax XXXX XXXX and XXXX. They have NO supporting documents or any evidence of me owing the debt.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I opened a Capital One credit card on XX/XX/XXXX and have had exceptional payment history, except for three ( 3 ) late payments in a row - XXXX, XXXX, and XX/XX/XXXX. This was due to bank processing errors. I submitted a letter to Capital One from the bank confirming this and they have not removed these late payments from my account.