davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

Someone with a similar name filed a Bk in 2013 and it is listed on my credit report with XXXX and Experian. I have never given XXXX XXXX written permission to provide this information to ANY consumer reporting agency. I have wrote the courts and the responded saying that they do not provide any personal information to any credit bureaus. I have reached out to XXXX and Experian and they both said that XXXX XXXX provided them the information.
Consumer complaint received 2021-01-04
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. (GA)

THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO FILL OUT FRAUDULENT APPLICATION IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-01-04
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. (WA)

On XX/XX/2019 I went to a bar and was later charged {$300.00} on my XXXX visa for services I did not receive. I complained at length to the manager ( s ) present and later via multiple phone calls to useless corporate stooges, but could not resolve the situation. On the XX/XX/XXXX, I filed a complaint with Visa and XXXX. They told me that the charge was reversed but months later changed that decision saying I had a chance to " inspect '' the product up front before paying ... which is untrue ; they make you pay up front. After nearly a year of writing letters to every conceivable part of XXXX, I threatened to close all of my accounts ( savings, checking and three credit cards ) until they addressed this. They still gave me nothing but repetitive form letter responses. I indeed closed those accounts with a balance still pending and STILL got no response. They then " charged out '' my account and trashed my XXXX credit rating. I filed multiple complaints with Experion and the XXXX with little to no results. I want my credit rating back!!! Thank you!!
Consumer complaint received 2018-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (PA)

i closed my account about 2 years ago. i applied for reduction of interest and they enrolled me for one year automatic payments. it expired this XXXX 2018. 
i add to my monthly bill so that interest will go down but despite me doing increases in payments ... they continue to increase the interest even if the balance decreses. 
i stop calling them because they are NOT INTERESTED IN HELPING CLIENTS. 
they just need MORE MONEY TO THEIR POCKET..GREEDY BUSINESS PEOPLE
Consumer complaint received 2021-01-05
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: TRUIST FINANCIAL CORPORATION (CA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report. 
On XXXX XXXX, XXXX, Regional Acc add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-11-26
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: ARVEST BANK GROUP, INC. (KY)

On XX/XX/2020, ARVEST BANK - EQUIPMENT add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2018-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Information Bureau, Inc. (FL)

XXXX DATE : XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : DXXXX XXXX XXXX {$770.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C.  1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX {$770.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to inform you that the data for this account " XXXX XXXX '' appears inconsistent or inaccurate with established reporting standards. I would like to request a review of your information and prove its accuracy, completeness & timeliness before adding it onto my profile. I have looked over some aspects about CDIA requirements in order to make sure there are no discrepancies when reviewing accounts such as these ; please provide me more details on what is relevant so we can ensure 100 % compliance across all areas! I have no contract with XXXX XXXX
Consumer complaint received 2020-11-26
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 — Investigation took more than 30 days
Company: Credence Resource Management, LLC (NJ)

I have filed a dispute in regards to credit report and it has been well over 30 days in which I have yet to receive my investigation report results. Please see the attach of files of credit disputes submitted along with a demand for the agencies to comply after the 30 days expired.
Consumer complaint received 2021-01-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (TX)

Sent debt validation via certified mail on XX/XX/2020. The company failed to validate the debt. Instead they sent a copy of my medical records. I know this is a violation of XXXX regulations. I never signed anything authorizing them to have access to these records.
Consumer complaint received 2020-11-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After years of reporting incorrect information by Bank of America, branch @ XXXX XXXX XXXX, XXXX, Ca. XXXX, ( Manager ). 
Falsely reported unpaid balance when there was no balance. 
This reined my life financially. I have sense had this item removed from my credit after 5 years. 
I am currently trying to recover damages and loss due to this illegal action taken by Bank Of America. 
Now, refuse to allow myself to open an account with giving a reason further damaging my financial well being out of " spite ''. 
Manager accused me of entering Bank to look at female Tellers this is sexual harassment and embarrassment. 
Bank Manager said to me " they should not have closed your account for reason given. 
Bank used Credit Reporting agency to prosecute me illegally and for a crime I did not commit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (IL)

I have an UNKNOWN medical collection on my EQUIFAX report. XXXX and XXXX investigated PROPERLY when I disputed and Equifax did not and DELETED the account right away. The account is the only collection on my report, it is from XXXX. I expect this to be properly reinvestigated or I will have no choice but to move forward with legal action with the Illinois attorney general. 

I also sent you a letter stating my issue, with details, which arrived to you YESTERDAY. 

COLLECTION ACCOUNT NUMBER : XXXXMy name is XXXX XXXXAddress XXXX XXXX XXXX, XXXX, il, XXXXI also sent copies of my ssn card and driver 's license last week in the mail to you.
Consumer complaint received 2018-01-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CL Holdings LLC (NY)

on XXXX XXXX2015 i was contacted by XXXX XXXX XXXX they try to get me to pay a collection of {$980.00}
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (AZ)

I believe chase bank manipulated overdraft charges to stop me from being able to withdraw my stimulus check. Chase bank allowed roughly {$1300.00} in overdraft transactions on my account. Chase then only allowed {$57.00} to be covered by their " stimulus overdraft coverage forgiveness ''. Holding back charges that came in before the stimulus check arrived leaving my account in the negative and not allowing me access to the stimulus funds. Chase then allowed another roughly {$600.00} in overdraft transactions. I believe chase bank was misleading with there " pledge '' to help out Americans with the stimulus. I believe chase to be grossly negligent in their handling of their customers money by allowing over {$1300.00} in transactions when there are insufficient funds.
Consumer complaint received 2021-01-05
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. (IL)

As I am an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY.
Consumer complaint received 2021-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OR)

I am working towards loan forgiveness through the XXXX XXXX XXXX XXXX program. I should be credited with making approximately 115 " qualifying payments. '' Fedloan is crediting me with 94 " qualifying payments. '' Lump sum payments were previously made on my behalf through the US Department of Justice / XXXX XXXX Justice program. Fedloan has credited these lump sum payments made while my loans were being serviced by Fedloan as " qualifying payments, '' but has not yet credited the lump sum payments made while my loans were serviced by XXXX or XXXX XXXX XXXX. 

Fedloan has been performing this review for nearly two years. Customer service will not give me an estimate of when the review will be complete. I'd estimate it would take less than one day to actually review my payment history and credit the payments. Fedloan will not permit me to communicate by phone or email with the department performing the review. Contacting Fedloan results in more " reviews, '' but never an actual answer. I've previously filed a complaint in XX/XX/2019. Fedloan responded by saying they were conducting their review. They never actually completed this review, yet the complaint was " closed. ''
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I contacted Transunion on XXXX/XXXX/XX/XX/XXXX to dispute and request a investigation into incorrect accounts on my credit reports. 
I received a copy of my credit report and found the following items to be in error. 

XXXX XXXX XXXX # XXXX $ XXXX This account does not belong to me. Please REMOVE XXXX XXXX XXXX $ XXXX This account does not belong to me. Please REMOVE Transunion never investigated my dispute and its been almost 2 months and I have not received any investigation results.
Consumer complaint received 2021-01-05
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: Account Resolution Corporation (IL)

On XXXX XXXX a derogatory mark was added on my credit report per XXXX XXXX from Account Resolution Corporation and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX Images for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Consumer complaint received 2021-01-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: INTERCONTINENTAL CAPITAL GROUP (TX)

Began communications with Intercontinental on XX/XX/2019 with XXXX XXXX Mortgage Loan Officer at Intercontinental Capital Group, NMLS:XXXX. We talked about the FHA streamline loan in which they sent out a letter saying that I qualified for it. XXXX proceeded to ask for my competitor 's quote who was at the time XXXX XXXX  company to see if they could beat it. He proceeds to say per the email on the XXXX that he would call me back to see if they could beat it. Mind you that every firm has had my estimated taxes for 2019 and beyond to be at least {$700.00} as you can see on XXXX XXXX  quote attached and also you can see on Intercontinental Capital Group 's initial loan commitment they quoted me that my taxes would be {$710.00}. 

I closed on the loan on XX/XX/XXXX with the understanding that my new payment would be {$1700.00}, down from the {$2500.00} that I was paying previously with my old loan servicer. I was promised that everything was correct and that there was no error in my new price quote for closing. Please refer to this email between me and XXXX XXXX From : XXXX  XXXX [ mailto : XXXX ] Sent : Monday, XX/XX/2019 XXXX XXXX  To : XXXX XXXX XXXX Subject : Re : XXXX XXXX XXXX XXXX - Loan Commitment " I'm not comfortable with signing with a notary until I hear back from you all on final details on my loan. I still have some questions that have yet to be answered about my interest rate and final numbers and also about my escrow account from my previous loan being sent back to me. '' The next email sent came from the individual below who set up a phone call to ensure that the final number was correct and that my escrow account was on without error for closing. 

XXXX XXXX XXXX XX/XX/2019, XXXX XXXX  to me For sure, I will be calling you shortly, our closer is working on your file. 

They proceeded to send my loan for closing to XXXX XXXX XXXX who was aware of the entire situation of the taxes being intentionally filed short of required standards. 
Their contact information is below. 

XXXX XXXX Escrow Officer/Office Manager XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Ext : XXXX Fax : XXXX Email : XXXX XXXX XXXX short I was given a misquoted escrow account at my expense due to negligence and shrewd underwriting practices of the Intercontinental Capital Group. To explain further they sold the loan to XXXX  XXXX XXXX XXXX shortly after they refinanced my loan. And now XXXX  XXXX XXXX XXXX wants me to pay for the negligence and shrewd underwriting practices of the Intercontinental Capital Group.