davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-12
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. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me.

STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : USDOE/XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2019-04-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (FL)

On XX/XX/2019 I transferred my savings account into a money market account paying 1.88 % the account has about {$70000.00} in it. I did not get interest for XX/XX/2019 nor XX/XX/2019 I went back to a local branch of PNC on the XXXX of XXXX and spoke with a customer rep whom stated she would submit the required paperwork to get the interest owed me. as of today XX/XX/2019 i have not gotten the interest my money market account number is XXXX
Consumer complaint received 2020-05-12
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. (ME)

I was looking to check my TransUnion credit profile after my other profiles do not show my XXXX XXXX. I made an account, inputing my credit card information, assuming it was a verification that I was who I say I am, like many credit sites ask. I was immediately billed {$25.00} and emailed an Order Confirmation, without ever being told I was buying a product or the price of the product. This is predatory behavior, and I want my money back. I immediately cancelled my " subscription. '' TransUnion should be fined for billing people without their consent. Regardless of fine print, they should be clear with how they are using your information, which, in this case, was my credit card information to bill me for a subscription. The fact that the cancellation process included a reason for " I did not know I was being billed '' is evidence enough.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After reviewing my current Transunion credit report. I notice an account under the name ( XXXX XXXX XXXX ) is currently reporting multiple inaccuracies and violations under fcra rules. 

: Currently Account reports no date of last activity. A FCRA rules violation section 1681 : Currently Account reports no date of first delinquentcy. A FCRA rules section 1681.

Currently Account reports as being charged off but still reports negative remarks each month in payment history. A violation of FCRA rules section 1681. 
Currently account reports last date updated was in XXXX of XXXX while this account was disputed in XXXX of XXXX. A violation of FCRA rules.
Consumer complaint received 2020-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, I made a mobile deposit of {$30000.00} from my money market saving account at XXXX XXXX XXXX  XXXX XXXX XXXX to my checking account with Bank of America ( BOA ). Bank of America put a hold until XX/XX/2020. When I checked my account at XXXX, the {$30000.00} check was cleared on XX/XX/2020. 

I called the customer service line at BOA on XX/XX/2020 and after some research, the customer service representative ( CSR ) told me that the fund would be released immediately. 

Today XX/XX/2020, I checked into my balance at BOA and the {$30000.00} still has not been cleared with BOA. On top of that, the check hold has been extended from XX/XX/2020 to XX/XX/2020. I called again with BOA CSR and the new CSR said that CSR of Friday did not release the fund and did not do the right procedure.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I became aware of fraudulent accounts that were opened in my name back in XX/XX/2020. Immediately after discovering the fraud, I filed a dispute with TransUnion. I also reached out directly to the creditors that were reporting these fraudulent accounts. The creditors would not speak with me on the accounts as I could not verify all the information they had and redirected me to the credit bureaus. After approximately 30 days, TransUnion alleged that all creditors verified the accounts belonged to me. 

After consulting with a consumer attorney, I filed a police report along with an FTC report confirming I am in fact a victim of identity theft. I subsequently sent a request to TransUnion under section 605B for the FCRA requesting that the fraudulent accounts be blocked. This section reads, in part : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I supplied everything that was required to TransUnion and sent it certified mail with tracking number XXXX. The tracking information confirms my items were delivered on XX/XX/2020. After receiving no response, I contacted them via telephone on XX/XX/2020. I was advised that they received my documents but decided to dispute the fraudulent accounts directly with the creditors again instead of blocking them. After reminding the representative that the FCRA mandates a response to my request, she advised they have the authority to determine if my requests mandates a response and then chastised me for not discovering the fraud sooner. I was left shocked and confused that a large corporation would have such blatant disregard for the intention of the legislators.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NC)

I noticed a {$4.00} transaction from XXXX XXXX pending on my bill on XX/XX/2020. I called Chase at XXXX. After being disconnected on the first call I waited 20 minutes on the next call. Once I reached someone with Chase, the operator told me to call the company that scammed me. Chase provided the phone number of XXXX. When I called the scammer, a foreigner, he wanted more information from me so that he would credit my credit card. He told me I had ordered some kind of membership that was advertised on TV. I told him that I did not. He asked for my last name and zip code and said he would credit my card within 2 days. I reluctantly provided this information. My credit card has not been credited as on XX/XX/2020. I tried calling Chase again on XX/XX/2020, and the recording said it was a 50 minute wait. The recording suggested going to Chase.com. I did go to chase.com and tried to dispute the charge. It then said I had to call XXXX to dispute the charge.
Consumer complaint received 2020-05-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: STATE FARM BANK, FSB (TX)

State Farm Bank , F.S.B . repossessed a XXXX XXXX XXXX in my name in XX/XX/XXXX from a residence in XXXX, TX. The car was sold at auction sometime in late XXXX. 

State Farm Bank , F.S.B . has placed a {$5300.00} collection account on my credit report for the deficiency balance. 

State Farm Bank , F.S.B . failed to provide notice of timely ( within 10 days of the repossession ) intent to sell, per Texas Business & Commercial Code Sect. 9.613 and Texas Business & Commercial Code Sect. 9.614. 

State Farm Bank , F.S.B . also failed to provide documentation of the sale price of the vehicle and the amount of the deficiency balance as required by Texas law. 

According to Texas Business & Commercial Code Sect. 9.625, State Farm Bank F.S.B.s failure to comply with Texas state law vehicle repossession statutes entitles me to damages, which I am  prepared to pursue through legal counsel. 

I demand that State Farm Bank , F.S.B . immediately delete this collection from any and all credit reporting bureaus. Failure to comply will result in legal recourse against State Farm Bank , F.S.B . for violating Texas repossession laws.
Consumer complaint received 2020-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (OK)

On XX/XX/XXXX, I received a request from Well Fargo, via XXXX, requesting proof of full coverage insurance from XXXX. I spent over five hours tracking down the insurance companies I had full coverage with from XXXX. I called Wells Fargo on XX/XX/XXXX, and provided each policy number and insurance company as follows : XXXX XXXX policy # XXXX & XXXX policy # XXXX. I called on XX/XX/XXXX, and received notification that my insurance polices checked out and that they needed no further information. 
I emailed the Wells Fargo CPI counsel on XX/XX/XXXX ( XXXX ) regarding the status of my case. I received a scripted reply that my case was under review. I called again today, XX/XX/XXXX, and again received the same scripted reply that they needed no further information and my case was still under review. 
If my calculations are accurate, Wells Fargo overcharged me by $ 150-200 a month for two years. On the low end, that's over {$3000.00}. My vehicle was not repossessed and in fact, I paid off the entire loan. Wells Fargo has had over six months to verify that I had full coverage insurance, which I went above and beyond what they requested and provided them with the policy numbers to lessen their work, but they still offer only the scripted response that my case is under review. 
How can a big bank rightfully steal money from everyday people and take a long as they want to repay the money? I understand I am one in a sea of thousands of people robbed by Wells Fargo, but I've done the work for them ; I tracked down the very policy numbers for them. They simply have to make two phone calls, verify the policies, do the calculations, and cut the check. 
I've reached out to them about filing complaints and was told today by XXXX at the office of the President of Wells Fargo ( XXXX ) to go " right ahead and file whatever complaints I wanted to, '' so, here I am. I am not asking for anything more than what was already stolen from me for two years. I never even defaulted on my loan, despite the fact that the bank unduly charged me for two years, I paid off my vehicle in full. The least they can do is refund what they stole illegally. 
Thank you in advance for any assistance you can provide.
Consumer complaint received 2020-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I paid this charged off account in full with Kohls and was under the impression it would be removed completely from my credit. They changed it from charged off to paid but did not completely remove the account therefore it is still negatively effected my credit score although I do not owe the anymore.
Consumer complaint received 2020-03-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I have contact Equifax regarding inaccurate information on my Credit Report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries are 4 mo. apart and on the same day. I never authorized XXXX to keep accessing my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries are 10 mo. apart. I never authorized XXXX XXXX to access my credit file XXXX   XX/XX/XXXX I have no idea who this company is I never authorized XXXX to access my credit file XXXX  XXXX never authorized XXXX  XXXX to access my credit file.
Consumer complaint received 2020-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

MIDLAND CREDIT MANAGEMENT is reporting a collection account that does not belong to me. There was no investigation by the credit reporting agencies to confirm this account. Midland Credit Management has not furnished any documents proving this account belongs to me.
Consumer complaint received 2020-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I made a cash deposit to my account in the bank with a teller on Wednesday the XXXX of XXXX. I got a receipt. On the next Saturday, the XXXX of XXXX I checked my account and discovered that my deposit on the XXXX was not credited to my account. I called the US bank customer service number on the back of my ATM card. The customer service person, XXXX, filled out a lost deposit incident report and advised that I call the branch when they opened later that day. I did call the branch and talked to the branch assistant manger XXXX. XXXX checked around and even talked to the teller who handled my deposit. He remembered me and the amount. I said ... how about crediting my account. XXXX said that she couldn't do that ... that the bank had to look into where the problem was and that it may take awhile. I told her that I shouldn't have to wait for what is a bank problem. XXXX was very hard to deal with ... especially when she kept saying that she didn't appreciate my tone and that I was being disrespectful. 
Later, I talked with a real manager, XXXX XXXX. 
I have copies of my correspondence with Mr. XXXX as well as the copy of my original deposit.
Consumer complaint received 2020-05-11
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)

The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 XXXX and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ]
Consumer complaint received 2018-07-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Business Funding (GA)

Central Business Funding is trying to collect a debt that I do not owe. Spoke with the rude office manager named XXXX XXXX making verbal threats about what type of person I am and I would be sent to a debt collection for {$2400.00}, that I have never made a payment .... This company is a scam and trying to use scare tactics against individuals. I will not be threatened by him or this company. I will not be paying a debt, I never started ....
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp. (FL)

In order for a deficiency to be applied to a credit report in a repossession the car loan creditor ( United Auto Credit ) must provide the client with various, timely written notices, as well as give you the opportunity to exercise certain rights. If a creditor ( United Auto Credit ) fails to give you a required written notice, then I can challenge its claim  for a deficiency judgment. 

Those written notices include : your right to redeem the car and when you can do it your right to reinstate the loan and when you can do it if the creditor is selling the car at a private sale, the date of the sale if the creditor is selling the car at an auction, the date, time, and location of the sale, and a calculation of the deficiency balance ( or surplus, if applicable ), including a description of fees and charges. ( the only document I have been provided ) I have on numerous occasions, requested the documents required by law, as identified above and have yet to receive a copy. If the above mentioned documents are not provided within 15 days, as required by law therefore can not be a claim for a deficiency. And this account must be deleted from my credit report. 

Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission, the Consumer Financial Protection Bureau and the Credit Reporting Agencies notifying them that I requests for legal notices that United Auto Credit is unable to provide.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

The US Department of Education has been reporting student loan account incorrectly on each of my reports for years. I have disputed each account multiple times, and nothing has changed. The credit reporting agencies never send a reason why no investigation was done.
Consumer complaint received 2020-05-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

Chase Bank filed a frivolous complaint against me ( Michigan XXXX XXXX XXXXXXXX ) after they generated an unethical low-ball appraisal utilizing irrelevant comparable sales, likely done by a person not licensed in the state of Michigan, which is a violation of federal law. I was cleared of any and all wrongdoing by the state of Michigan 's Licensing and Regulatory Authority ( LARA ). 
Upon being cleared by LARA, Chase refused to accept LARA 's decision and repeatedly denied my appeals to be removed from their banned list, stating that nothing had been resolved. I remained on Chase 's Ineligible Appraiser List for two years after being cleared by LARA. After I submitted a complaint to the FCPB, Chase replied to both the FCPB and me that I had been removed me from their list ( apparently before my complaint, which I was never notified of ) and declared I was on their Eligible Appraisers List ; however, they never sent me another appraisal order, so they either falsely stated I was removed from the ineligible list, or they prevented me from doing appraisals by blacklisting me another way.

I would like to obtain the name and license number of their appraiser so I may pursue legal action against him or her, and, if my accusations are found to be valid, I would like your department to investigate and prosecute Chase Bank for knowingly ordering appraisals from unlicensed appraisers, and having them develop appraisals in violation of USPAP. Based on the most recent letter I received from Chase dated XX/XX/2020, they still refer to my appraisal as " deficient, '' even though I was cleared by the state of Michigan, with LARA stating " No violation of the Occupational Code, ... Board Rules, .. or Uniform Standards of Professional Appraisal Practice '' were present in my appraisal.