davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My bank account through a debit card on my business was used to make unauthorized purchases. I contacted the bank and was told that a claim will be started and I would hear something within 10 days. I do not have much money in my small business so this hurts very badly. The biggest problem is that the cord that was used to make an authorized purchases was a backup card that has never been used anywhere. Which means that it was hacked at the bank. I'm trying to get an answer why this happened and how this card was used unauthorized but I keep getting the runaround and nobody could tell me anything because there are no higher upset Citizens Bank. I have had my personal accounts and business accounts with them for over 5 years. And as I said this cord has never been used it was a backup cord with completely different numbers. I just can't understand how someone got this information if only myself and Citizens Bank has this information. They shut the cord down and I told them I was keeping the card as proof that the card was never used. They could give me no answers in my account still remaining the negative. I have no money at all to operate or pay my bills. It is not much money under {$1000.00} but I do not make much money. Right now I want to know how they got the information. The card was never ever used not even for a cup of coffee. And if I didn't give the numbers to somebody then they had to get them from citizens but nobody seems to want to answer that question. It just doesn't seem to be that important to this Bank. I can't find any higher ups. I went to the bank I've called her XXXX for what numbers I've tried everything and I am not getting any solutions. To change the account and close it down is such a time consuming process with all of the payments we make I have to wipe everything out and wait for checks that I write every month but I will not have until I ordered checks from a new bank. I just want to know how they got my information and I want my money back and I'm not getting it any type of help. Please help me I am XXXX XXXX XXXX and this caused XXXX that I almost went to the hospital last night. This is not an exaggeration either. Right now it is XXXX in the morning and I can't sleep I'm so worried. Once again please help me
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (SC)

I received an email ( XX/XX/XXXX  ) from Chase Bank stating that " Your new Chase Freedom Unlimited credit card ( ... XXXX ) and welcome kit are on the way and should arrive in 5 to 7 business days. '' However, I never applied for any card in recent months. I called the bank and cancelled it today. What is bugging me is how these companies can issue a credit card without verifying that whether I have applied for a card or not. To make things strange is someone used my name, email, home address and the social security number. According to the operator, card was being mailed to my home address.
Consumer complaint received 2023-10-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NY)

I was the victim of identity theft last year in XX/XX/2022 when XXXX XXXX XXXX sent me statement in mail. I started working on it and I received XXXX more loan denial letters in mails from different lenders including XXXX. I contacted all of them and XXXX as well. All coordinated with me so effectively, efficiently and kindly BUT XXXX. XXXX every time gave me different information over the phone. I told them all the story and also that I've filed police report right after I received all those mails. I kept checking and all those credit removed from my credit report. I called XXXX and I asked how that transection successfully done, they told me that they charged initial payment with credit card ending XXXX. I told them that is not my credit card. I didn't find that credit card on my credit report as well. there was XXXX wrong phone number and employer information as well on my credit report that I disputed and got that removed. XXXX making me run around and they're not properly guiding me. Every time I contact them, I see that the person doesn't have proper information or doesn't even know what to do. Now every time i'm receiving amount due letters and finally Credit Collection Services letter.
Consumer complaint received 2023-10-12
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Ygrene Energy Fund Inc. (CA)

My name is XXXX XXXX and I am the Successor Trustee of the XXXX XXXX XXXX XXXX of XXXX XXXX, deceased. XXXX XXXX contracted with a XXXX, XXXX XXXX XXXX XXXX XXXX in XXXX to perform several projects at her home that were never done. XXXX was securing funds from a company called XXXX. The project file numbers with YGRENE # XXXX and XXXX. The XXXX projects total approximate $ XXXX and a special tax lien has been placed on the property. In researching the situation none of the repairs were done. I contacted XXXX asking for help in resolving the problem and was told that I needed to speak with the XXXX. I ask them to contact the XXXX with me on the phone. They couldn't and neither could I. Then they told me to get a copies of permits pulled to do the work from the city. I contacted the City of XXXX and was advised there were no permits pulled. I then asked for copies of the checks where the contractor was paid. They refused. in doing additional research I found that this is not uncommon for XXXX and that many customers have been scammed by this program. I have multiple emails and additional information available upon request.
Consumer complaint received 2023-10-11
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. (GA)

I received a notice that I opened a loan with XXXX XXXX. I have never had a loan with this company nor have I ever applied for a loan with this company. I have asked them to provide proof that this account belongs to me and XXXX told me that they had no proof that this account belonged to be and that XXXX did not provide them with documentation
Consumer complaint received 2023-10-11
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc. (GA)

AmSher Collection Services Inc. 

I sent a cease and desist letter via certified mail to Amsher Collection Services who has of XX/XX/2023 violated the law. 

I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST AmSher Collection Services Inc. 

15 USC 1692C ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMTPLY Delete it from all consumer reporting agencies that you have reported this inaccurate incomplete, erroneous and misleading information to at once. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 

15 U.S Code 1681s-2 Responsibilities of Furnishers of Information to Consumer Reporting Agencies . 
You and your inaccurate reporting have damaged my livelihood. 
( a ) DUTY OF FURNISHERS OF INFORAMTION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. DUTY : a moral or legal obligation ; a responsibility ACCURATE : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something 15 USC 1681 s-2 Says you { AmSher Collection Services Inc. } are a furnisher of information to a consumer reporting agency.

This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.

YOU HAVE 10 Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k.

DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. 
Account number : XXXX XXXX USPS Certified Mail Tracking info : XXXX Latest Update Your item was delivered to the front desk, reception area, or mail room at XXXX XXXX on XX/XX/2023 in XXXX, AL XXXX.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I received a notice that my XXXXredit score had dropped. I reported a dispute to all three major credit bureaus. One released it as not my debt but the other two says it was mine. I called the company and learned that my information was put on a lease for an apartment. I informed them that I did not sign any lease for an apartment. I have a home that I have lived in for 9 years. Someone filling in blanks with your information should not make you financially responsible. They sent a copy of the lease but no signature. I was told in order to dispute this debt I had to file a police report and report to FTC. I have never received any information from this agency or the apartment complex prior to placing it on my credit report. This should be illegal.
Consumer complaint received 2023-10-12
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (FL)

US Bank Executive, XXXX XXXX, is on the XXXX XXXX ( and has been for several years prior to these cards ) for Step Up for Students. Now, over XXXX Florida families are being blocked from utilizing our childrens educational scholarship funds without utilizing a US Bank issued and controlled card. This card deal was made to replace the already existing system of Step Up for Students gathering families bank information, and directly depositing funds into their accounts. Now, we are being coerced into opening a US Bank account, fees and all, on a scholarship that by FL law should not have fees attached. 

There are no physical branches in the state of FL, no way to electronically send funds from this card to our accounts. Instead, we must now bank at XXXX across the state. 

With the added information of being required to fax and mail in our XXXX and XXXX, this is a recipe for disaster.
Consumer complaint received 2023-10-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Around XX/XX/XXXX I received a package of documents from Resurgent via LVNV Funding LLC for an alleged XXXX XXXX XXXX from XXXX. The bill has both my first and last name hugely misspelled and I never had an account with XXXX. 

My name is XXXX XXXX XXXX and the letter and debt are in the name of XXXX XXXX. Not me or my correct name. 

I called and communicated that the debt is either error or fraud and then continued to pressure me to pay the debt. The alleged debt alone is over XXXX years old. 

The date of the alleged debt is XX/XX/XXXX The amount is {$310.00} with an interest of {$420.00} for a total of {$730.00} I also looked online and LVNV Funding LLC is notorious for these fraudulent attempts to collect on debts. 

If I owed this alleged debt I would've learned of it far earlier than XXXX  years later.
Consumer complaint received 2023-10-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I got into a car accident and filed the police report at the time of the incident, I also checked into a hospital called my insurance company mad hired XXXX attorneys the second was hired because the first hired attorney did not appoint me to any services and communication was a problem. I then hired XXXX XXXX and the problem seemed just about the same. I tried several times to describe more information on the report and incident yet got no response up until the date before the arrival of the check. When visiting my old address I saw an old letter stating a {$18000.00} check had already been written and sent out to that previous address. I also lost my car after my insurance was cut off by someone other than me. The only amount given to me was {$5000.00} yet was used and transferred out of my bank account with out my permission. I also had several letters sent to me from capital one bank the original loan, it stated I had paid for the vehicle. This year I went home to visit my family and found more mail stating my vehicle was sold by a company named XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-04-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG MORTGAGE, INC (NC)

XX/XX/XXXX - We received an escrow analysis as our mortgage was coming up on a year old. The escrow analysis identified that we would be be receiving a check as we had a surplus of over {$3000.00}. Additionally, the new ( same ) escrow payment was based off of an estimated tax payment that was nearly double our current tax payment that we paid in XXXX of XXXX. Due to this, the loan servicing company was going to incorrectly hold an additional {$3000.00} or so again, which is way over the XXXX escrow cushion allowed by law. 

XX/XX/XXXX - After identifying the issue above, I reached out to notify the loan servicing company of this issue. The agent initially denied that there was any issue with the payment and I was incorrect, however after 10 minutes or so agreed to submit a request to have a re-analysis performed. I do not remember the date they mentioned the analysis was going to be completed, but I believe it was somewhere around the XXXX of XXXX. 

XX/XX/XXXX - When the XXXX of XXXX came, no new escrow analysis was available on my account and the payment remained the same. I called the loan servicing company again and spoke to a different agent this time. They informed me that the escrow analysis was completed and no changes were made. Upon the agent 's review of the escrow document however, they did note that an incorrect tax amount was being used and again requested a new escrow analysis. The agent also identified notes were placed in the file that a new tax amount needs to be used. The new analysis for this call was to be completed no later than XX/XX/XXXX. 

XX/XX/XXXX - No new escrow analysis was available so I called once more. A different agent from the first two answered, and proceeded to read the case notes after I described what was going on. They saw the issue and agreed with the second agent, and were not sure why a new analysis was not issued. They mentioned that they could submit another request, and I asked if there was any way to escalate this issue since we had tried two times before with no success. The representative mentioned that they would talk to their supervisor and told me they would call me back by the end of the day. As of the time of writing this ( XXXX ) no call has been made to me in regards to this issue. It does not appear they are interested in fixing this issue which is why I am making this report.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have identity transaction that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Im requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer 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
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023. 

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. 

XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX  XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX 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 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 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (OR)

I woke up this morning XX/XX/XXXX with a - {$120.00} balance. I should have not had a negative balance. I had about {$35.00} in my account yesterday when I went out to eat with my friend and I added about XXXX to my account. Anyway I paid for the meal and I should have still had about XXXX bucks in my account. Two items came out that night which were about XXXX. All the deductions that I am showing pending now were already taken from my account. My account shows payments taken out on the XX/XX/XXXX and then it jumps to XX/XX/XXXX. That doesn't make sense. The days that I made the different charges I saw the money pending on my end... which means that money shows as deducted, and therefore I can not spend it. I did call Wells Fargo and they are giving a stupid excuse ... I am not crazy and this is not right and not the first time that I have seen wierdness going on. The explanation from Wells Fargo is not gon na fly. They try to tell you what it should be, but you know what you have paid and when you paid it and when it was taken out of the account. What they show in the account is inaccurate.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My phone was stolen and many transactions were charged from my bank too XXXX the amount was XXXX and I put in a claim with capital one my bank about the situation and they let me know they couldnt dispute it because of my electronic activity and log in history but I did not have access at the time of these charges because my phone was not In my possession and all of my bank information is on my phone.