davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
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. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] [ Account Number : XXXX ] Equifax : [ XXXX, XXXX ] [ Account Number : XXXX ]
Consumer complaint received 2022-12-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

sent a letter asking Experian, XXXX, and XXXX to investigate my accounts, XXXX, XXXX XXXX XXXX Here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 
According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 
And They also didn't even record the current status of the disputed information which is another violation. 
I have all the evidence attach below.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (CA)

Truist will not allow me to open a banking account with them. In the past, Truist overdrew my account and shot it down. When I try to open a business account they denied me. They discriminate against me due to past banking history.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I called the phone numbers listed for these companies and inquires. I was told there was nothing they could do I would have to contact the credit bureaus. Credit bureaus tell me contact the creditors. I want these REMOVED ASAP!!! THEY ARE UNAUTHORIZED AND FRAUDULENT. The inquires are listed below with names and dates. 

XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AXXXX 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
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

XXXX XXXX. I received a text message XX/XX/22 from XXXX XXXX asking about a XXXX XXXX XXXX in XXXX Florida for $ XXXX reply yes if recognized or no if not- I responded no. Then I received a call from a man claiming to be XXXX XXXX XXXX with Wells Fargo XXXX XXXX the caller ID read WELLSFARGO ( XXXX ) XXXX. While on the phone with him, he sent me a text message with a link on it. I clicked on the link. The link opened and appeared to be a Wells Fargo page to enter info. Among the questions it asked for the pin # to which I told " XXXX, I'm not comfortable sharing this info '', he was unfazed and said he understands and that's ok & that he could gain access a different way. Then, he sent me the an " XXXX XXXX XXXX '' over text message and I read it to him. At that point he had access to my account and started asking which charges were legitimate. The only unrecognized transaction was the XXXX to XXXX XXXX. The call went on for 37 minutes with him sending me XXXX  more " XXXX XXXX Codes '' throughout while he led me to believe he cancelled the wire and claimed he was closing the account and sending me a new account and card. He said the money might leave the account briefly but to rest assured it would be re credited in the account in 1 day. Throughout this call I missed a call, caller ID read XXXX XXXX from XXXX. She left a message claiming to be XXXX with Wells Fargo XXXX XXXX XXXX and Asked to call her back as soon as possible. I never returned her call. After I got off the phone with " XXXX '' I went back to work for a bit maybe XXXX min to an hour. Then I decided to see if I could still log in to my business account. I was able to and that's when I got real worried because the account was supposed to be locked. At XXXX I called Wells Fargo XXXX XXXX and spoke with XXXX. After filling him in on details he instructed me to go to a Wells Fargo XXXX right away. I went to the XXXX XXXX branch XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX and worked with a banker- XXXX XXXX and Wells Fargo XXXX XXXX XXXX phone to attempt to reverse the wire and change passwords. Now they say I wait XXXX business days to see if they can recoup my XXXX  in funds. I want to be clear- I never shared my sensitive info with anyone, I never initiated the money wire in any way. I made an attempt to stop it almost immediately. 
Update XXXX I got a call and a email from XXXX at Wells Fargo denying my claim. Also they said they are mailing me their evidence and I will receive it within 30 days.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

This problem is actually due to inaccurate reporting by my mortgage holder XXXXXXXX XXXX XXXXXXXX which is the subject and related to 2 prior unresolved complaints - # XXXX -and XXXX. As described in my initial complaint XXXXXXXX XXXX back in XXXX verified my explanation of events and assured me they would resolve the issue within 15 days by sending Refund Modification documents. Unfortunately that has not happened and I filed a second complaint. In the process of this continued failure XXXX  took my loan out of Loss Mitigation. This complaint relates to the fallout of that action- my stellar credit rating went from the XXXX range down to about XXXX. I went to trade in my vehicle to discover this and was only offered a high interest rate. I was told at that time that after my mortgage company corrects their reporting I could refinance to a lower rate. 
There is such a disconnect existing within the communication flow at XXXX XXXX that my phone calls and conversations with representatives or messages on the app are all like starting over and go nowhere. This has gone on for the past 14 months! XXXX did send my account back into loss mitigation last week but no mention of correcting their mistake that affects my credit.
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

Td bank allowed someone to steal my identity and steal over XXXX dollars out my account they then wouldnt reimburse me for identity theft or let me file a claim cause my account was closed due to whoever stole my identity depositing fake checks into my account till this day I still havent gotten reimbursed for my business checking account when I call they tell me go to the branch to make the complaint and file a dispute when I get to the branch the workers are to lazy to file this the dispute cause they have to do it manually and then the branch wont let me open a new business account just incase I do find a good worker that will file these disputes and a provisional credit is granted they are not treating me fairly and its like Im just out of all that money behind this I really need a lawyer for this
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

We moved out of our apartment ( XXXX XXXX XXXX  ) XX/XX/XXXX. In XX/XX/XXXX, I contacted them to get an apartment verification for a home loan and I was told that we had a {$3000.00} balance for failure to vacate the property without notice. I told XXXX ( property manager ), we did give proper notice and even showed him the email that was sent to the previous property management, he said that it was not valid. I contacted the previous property management company, who confirmed I gave proper notice AND that information was emailed to me. My husband personally went to the office and gave XXXX the copy along with a copy of the picture of the walk thru we did with his former employee and he said he would send it to corporate for approval and get back to us within a week. XXXX weeks later, we heard nothing. My husband went to the property again and was told by XXXX that corporate denied the approval and we still had the {$3000.00} balance and now he was saying that included damages. I contacted corporate several times in XX/XX/XXXX and finally received a response in XX/XX/XXXX from XXXX XXXX. I was told the charges would be corrected and would only be charged for damages, which she estimated around {$900.00} or less. Again I never heard anything until in XXXX I received notice that they sent me to collections. I contacted corporate again and several times since and have not had a reply from them til this day. XXXX the property manager did reply and said he left me a voicemail and I didn't pay so he sent it to collections. I asked when he left me a voicemail because I never received a call from him, he said he didn't know. Furthermore, if my balance for damages was around {$900.00}, I'm sure they didn't take into account that I gave a {$1200.00} deposit and therefore don't owe them anything, they would owe me money. Also, he could have contacted me via email because he had my email address ; that was included in the email from XXXX XXXX ( his corporate office ). And in the paperwork I gave him also included my forwarding address, I never received a notice by mail either.
Consumer complaint received 2022-12-21
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: NAVY FEDERAL CREDIT UNION (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2022-12-23
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. (CA)

XXXX is reporting incorrect information and is a result to me being homeless. I have disputed the following : * XXXX- I have never lived there my wallet was stolen. They didnt fill out my debt validation request. They have a old Driver licenses that got stolen. I have a police report. XXXX removed this debt * XXXX- I never lived in Texas XXXX All the have is documents that they claim match my signature. This is also false. XXXX and Experian removed this debt. 

* XXXXXXXX XXXX- This company does not respond to me. This was removed on Experian. This is a false claim * XXXX XXXX This debt was paid and settled. I provided them receipt and they still wont remove. Its been over 60 days
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The following 3 Company 's did not have approval, permission or authority to run my Credit. Nor do I have any credit with these Company 's. On XX/XX/XXXX and XXXX and XX/XX/XXXX and XX/XX/XXXX I contacted TransUnion Credit Bureau and requested these Inquiries be removed as these Companies did not have permission, approval or authority to access my credit report. 


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 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 2024-10-08
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. (DE)

Re : Reinsertion Of previously deleted Inaccurate/invalidated items Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation.

( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the r
einsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 
Name of Account : Account Number : XXXX XXXX  XXXX Thank you for your time and help in this matter.
Consumer complaint received 2023-06-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC. (TN)

In mid-to-late XXXX I received a letter ( see attached ) in the mail from Midland Credit Management stating that I owed {$4200.00}. I was surprised to receive this letter because I had recently thoroughly reviewed my credit report and did not see their outstanding claim. At first, I didn't believe it because my credit score is XXXX. Shortly after receiving this letter I received a summons ( see attached ) to appear in court ( XX/XX/XXXX ) related to this matter. Shortly after receiving the summons I contacted Midland Funding Management to " Resolve Your Legal Collections Account '', and to " avoid any further legal action '' ( see attached letter ). These 2 statements are printed boldly on the attached correspondence. I am a nurse at XXXX XXXX XXXX and Human Resources monitors these things so that I thought it best just to put it behind me. I went online XX/XX/XXXX at www.midlandcredit.com to set up a payment plan ( see attached ). The first payment was made XX/XX/XXXX. 
After entering into the agreement and making a payment I received nothing in writing. I called an account manager at Midland Credit 2 weeks ago concerning the issue of no documentation regarding our settlement. He said that a letter was being sent out that day. I have not received any correspondence in the mail or e-mail as of XX/XX/XXXX, with my court date looming in just a few days. He also said that Midland credit was not going to withdraw it's lawsuit and that they would still press for a judgment. I asked him how I had gained anything at all if they were going to continue to pursue legal action. He said that they would hold off on wage garnishment and additional legal action. 
My complaint is that Midland Funding uses deceptive credit collection techniques to collect the debt. There is no doubt that any reasonable person would think that they are putting a legal matter behind them by entering into a settlement agreement with them. And furthermore, they knowingly delay getting you any correspondence ( mail or e-mail ) in writing before your court date so that they can lull you into thinking that your legal matter has been settled. And then when you don't show up to your court date they can get their judgment uncontested.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-06-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I am writing to express my profound dissatisfaction and frustration with the recent closure of my checking account with Chase Bank. The closure was a result of an accidental deposit made by my brother into my account, and the subsequent actions taken by Chase Bank have caused me significant financial and emotional distress. 

On XX/XX/2023, while my brother and I were together at a Chase ATM, he accidentally deposited his paycheck into my checking account, amount is XXXX dollars from his boss. Unfortunately, there was no way to cancel or go back to the previous page during the deposit process. As soon as I realized the mistake, I immediately contacted the customer support hotline to rectify the situation. However, I was informed that it was impossible to cancel the deposited check, and as a consequence, my account was closed due to this error. 

I understand that protocols and procedures exist to ensure the security and integrity of banking transactions. However, I firmly believe that the circumstances surrounding this incident warrant a reconsideration of Chase Bank 's decision. It was an honest mistake made by my brother and me, and we took immediate action to address the situation. The closure of my account has left me without access to essential banking services and has caused undue hardship for both my brother and me. 

In my efforts to resolve this matter, I have contacted the fraud department multiple times. I have been asked to provide my brother 's phone number as a means of verifying his identity. Regrettably, Chase Bank has been unable to verify his phone number, despite the fact that he holds his own Chase account and credit card under the same phone number. This phone number has been actively used for the past XXXX years, including being associated with government benefits, FAFSA, all credit cards, and even during the application process for a Social Security Number. 


I sincerely hope that Chase Bank will reconsider its decision and take immediate action to rectify this matter. I believe in the principles of fairness, accountability, and customer service, and I trust that Chase Bank shares these values. I kindly request a prompt response to this complaint and a thorough review of my case. If necessary, I am willing to provide any additional documentation or information that may assist in resolving this issue. 

Thank you for your attention to this matter. I look forward to a fair and satisfactory resolution.
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

I never received any information from this company and upon checking my credit report I noticed this collection and I sent a validation of debt and I never received any information from them stating that I owed anything. This is effecting my credit negatively and needs to be handled.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.