davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TO WHOMEVER IT XXXX CONCERN ; This is about XXXX XXXX XXXX entered with your Company dated ( XX/XX/XXXX ) and I extended your organization the credit for the account number ( XXXX XXXX 
I hereby give your XXXX notice pursuant to 15 USC 1602 ( k ) that your XXXX never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company did not even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the Cardholder.

Since adequate notice was not given as per the above-mentioned section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, I therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit.

I hereby request you to remove the below-mentioned information from my Consumer Report : Account name XXXX XXXX XXXX XXXX  Account NumbeXXXX XXXX XXXX  Account opened : XX/XX/XXXX Balance : {$530.00} If you accept my request, I will not escalate this matter to a federal court. In case you do not accept the above requests, a legal action shall be taken against your Company for compensatory damages. 
Thank you for your attention to this matter Sincerely, XXXX XXXX
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bridgecrest Acceptance Corporation (TN)

To Whom it may concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information ''. I am requesting that you promptly investigate, update and delete addresses that i never resided and may possibly be listed on my credit report due to fraud. Please remove all other names variations immediately. 

Collection Account : BRIDGECREST - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2023-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MO)

Freedom mortgage on XX/XX/2020 paid property taxes on the wrong parcel out of my escrow account. Refused to request refund from county to correct issue. Now has taken XXXX years at this point with no resolution. To cover their tracks they sold the loan to nationstar ( XXXX XXXX ) XXXX XXXX paid the overdue taxes to county. However the misappropriation of escrow funds has not ever been returned into escrow from Freedom Mortgage. Leaving my current escrow short exactly the same amount XXXX misappropriated the escrow to someone elses taxes. 
Nothing but excuses from freedom mortgage. Always needing more time. Never get a mortgage from them or have them service the account. They dont seem to know what theyre doing. Always another departments problem. No true escalation or contact of any management. They run you in circles.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (PA)

TO WHOMEVER IT MAY CONCERN ; This is about Consumer Credit Transaction entered with your Company dated ( XX/XX/2022 ) and I extended your organization the credit for the account number ( XXXX ). 

I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company did not even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the Cardholder.

Since adequate notice was not given as per the above-mentioned section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ). 

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, I therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request you to remove the below-mentioned information from my Consumer Report : Account name : XXXX XXXX Account Number : XXXX Account opened : XXXX XXXX, 2022 Balance : {$250.00} If you accept my request, I will not escalate this matter to a federal court. In case you do not accept the above requests, a legal action shall be taken against your Company for compensatory damages. 


Thank you for your attention to this matter Sincerely, XXXX XXXX
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WELLS FARGO & COMPANY (MD)

In accordance with the Fair Credit Reporting Act, [ 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions ''
Consumer complaint received 2023-01-13
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. (WA)

IN accordance with the fair credit reporting app XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXXXXXX
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica (NY)

I called the customer service phone number to ask why I couldn't use my card that had money on it for certain things. For example I can buy clothes and games online with my card but I couldn't order uber eats online. They asked me to verify my information. I was able to verify the following ; -name -DOB -FULL ADDRESS -Sent Picture of current XXXX state ID I however was not able to verify the phone number and/or email on the account. As I've had several emails and phone numbers since.. and this is maybe years later since created. After I gave the incorrect email they froze my account. My only income is XXXX and the funds go directly to thay account. I suffer from XXXX and XXXX XXXX XXXX. This took such a toll on my mental and if it wasn't for my sons mother I wouldn't have had any clue what to do. From the XXXX hour wait time on the phone to speaking to countless people who refuse to help me I was getting no where. My sons mother advice to me was go to the office where I was also denied help. I was told I can change my direct deposit information but I would have to wait another month for the check. But they couldn't help with the current funds on the account.. only the pending and future funds. They sent me a check and I set my ssi payments up with another bank.. however the current amount on the card is still there and I still do not have access to it. I have not been able to use this account since mid XXXX and though I was able to handle this pending and future deposits. The amount that's been on there is being held XXXX. They refuse to close the account and send a check because they refuse to unlock the account. I'm lost sleep and put in financial hardship over this. I have a XXXX year old. I have bills. My family depends on me and they should be able to when I'm doing all I can. Direct express refuses to help me no matter the times I call nor the emails I send. The account is still open and money still there. I can not continue to hope they do the right thing. I need help
Consumer complaint received 2023-01-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I purchased a condo from Wells Fargo in XXXX. To avoid XXXX insurance ( I was young at the time of purchase and took the lead from my agent and lender ), Wells Fargo opened up a HELOC at the same time of the original mortgage. This loan agreement has plagued me ever since. I have tried to refinance the HELOC, I have tried to refinance into XXXX loan and every time the fees and the interest rate make it impossible. I previously received assistance refinancing the main loan because it was so underwater, but no agency will help with this HELOC. Had XXXX allowed me to open XXXX mortgage for at the time of purchase, I would be in a good place financially and could have refinanced during the low rates the country saw the prior XXXX years. Now inflation is back up, the rental market is back down in XXXX and I am again struggling to manage this property. The way XXXX approached this loan was unethical and set me up for a long term problem when the XXXX insurance situation would have resolved in a matter of XXXX years. I have reached out to XXXX for help with this loan several times without any success. Now as I try to sell the unit again, the agent and attorney in XXXX have concerns with the way the property note was structured. I would like XXXX to offer a solution here that does not cost me thousands in closing costs to fix their unethical approach to lending to a young woman in her XXXX. It is impossible to pay off this loan -- the interest alone is crippling. Predatory ; unethical and just plain vile.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Was notified through experian that a charge in the amount of {$7700.00} for an autoloan was reported and my score dropped XXXX. 

I contacted XXXX XXXX Consumer Reporting Department. 
They confirmed all payments are up to date and on time. The chargeoff reflects XXXX days past due payments. Which I have proof of timely made payments. 

XXXX XXXX said they will do some research and get back in contact.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: General Motors Financial Company, Inc. (MD)

In accordance with the Fair Credit Reporting Act, [ Americredit/GM Financial 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions ''
Consumer complaint received 2023-01-14
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. (NC)

am a natural person, I am a living human being, I have the right under 15 USC 1681.

Equifax Govern by 15 USC 1681. 
And they violated my rights numerous of times, I demand the accounts listed below to be removed 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 According to 15 USC 1681 : I have the rights to privacy and I did not give Equifax written permission to furnish this account above.
Consumer complaint received 2023-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

This is my fourth 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. 



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 Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-14
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation of section 807 15 usc 1692e false or misleading representations. The account is fraudulent or innacurate.

Violation of section 15 usc 1692c ( b ) communication with a person other than the consumer without the prior consent of the consumer or attorney.

Pursuant to Federal Law 15 U.S> Code 1692g Validation of debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of the judgement or the name and address of the original creditor. They have not provided me with any documentation as of yet, so I am demanding deletion of this account. 

This collection agency, XXXX XXXX XXXX, has no contractual agreement in place with me nor any type of permission to communicate with me, yet they are reporting on my consumer report which is a form of communication. This needs to be removed immediately. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MD)

On XX/XX/2022 my prepaid Chime checking accounts was charged {$430.00} and on the same day my prepaid credit builder was also charged XXXX charges of {$430.00} ( {$870.00} ) There was XXXX in both accounts and my spot me was not on. I have {$210.00} in my savings on Chime. These charges were made from the quality inn where I have stayed for XXXX yrs. I pay $ XXXX every Thursday. These charges appeared on a Monday. I called the manager their system showed no charges just the last one made on on XXXX for {$430.00}. I called XXXX XXXX about it -no charges appear. Obviously the manager can see the charges came from XXXX XXXX on my chime account. He tells me XXXX other guests have the same problem. Their system was XXXXacked.I filed a dispute with Chime they denied it saying they are regular charges the see on my card and that I had my card on me! Well of course I had my card-the hotel was hacked I did not load my card!!! They did not investigate, never called the hotel to follow up. The hotel manager has called several times only to be left on hold for hours only to be hung up on. I made a police report, and still nothing. The hotel says the other guests have been refunded on their cards! My thing is hacked or not how does chime allow charges to come thru with no $ in the account? I could not over draw 1 penny!!! 
I need my account fixed I have {$210.00} dollars I can not get because you have to transfer to you checking to get it out!! I need help. It has been a month. And nothing!!!
Consumer complaint received 2023-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my fourth 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 XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX to an alleged fraud or extortion.
Consumer complaint received 2023-01-14
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. (TX)

This is my several 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 an alleged fraud or extortion. 




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 2023-01-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE (FL)

I just filed a complaint against XXXX XXXX XXXX regarding these alleged accounts that they never sent me any notices of disputes for. They immediately had to close the account because they had zero documentation tying these accounts to me especially because I had insurance and was not seeking medical attention around this time. Once XXXX closed these invalidated accounts Avante has now picked these up and broken several of my rights. XXXX. There was no notice to dispute. I received nothing in the mail at all. 2. They are reporting these alleged accounts to my file at the SAME time as paramount. 3. They are also reporting duplicates. This has taken a toll on my credit score right around the time of me moving which has cause me major inconveniences! I know my rights as a consumer and I will use them! 

Absent validation, both your company and XXXX are in violation of Federal Law, for btu not limited to, continued collection activity on an invalidated debt pursuant to FDCPA 809. Validation of debts [ 15 USC 1692g ] ( b ).

My suggestion is that you return this account to the previous collection agency and demand your money back, and/or compensation for time wasted pursuant to the Qualifying RECOURSE accounts provision of your purchase / assignment contract.

If any information about this alleged debt has been reported to the credit bureaus, I demand that you delete that information immediately, or I will have no choice but to take legal action against you for knowingly Furnishing on verifiable information to the credit bureaus with the sole purpose of tarnishing my financial reputation. you have 5 days to remedy this matter.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

Chase bank closed my account without my direct consent, in direct retaliation for reporting their mistreatment of myself as a customer to the CFPB. 

Per my first complaint, I clearly stated that my condition was to have chase confirm {$0.00} dollars owed and close the account. The language in this complaint is very clear, stating that I demand to have the account closed because I will not be paying chase anything else. 

Per her phone call " XXXX '' from corporate stated that they were simply following my request. This is absolutely false information, as here is the actual verbiage from my original complaint - " Chase bank will clear all debt in my name, and make my balance {$0.00}. They will THEN close this account, as I will no longer do business with this organization and I absolutely will not pay any more money to this organization. If THIS CONDITION is met, I will agree to hold Chase harmless for this issue, and continue with my lawsuit against XXXX XXXX without naming Chase Bank in any lawsuits. '' As clearly stated, these were not two separate conditions. Chase bank has unlawfully closed my account and permanently damaged my credit, as a result of their retaliation.