davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-15
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. (KY)

There is a fraudulent account on my credit report from a XXXX XXXX XXXX XXXX and/or XXXX : XXXX XXXX XXXX   XXXX. I have previous disputed this fradulent report a few years back in which I waited more than 30 days but eventually it was removed. Well this scamming fraudulent collector XXXX sold their accounts to XXXX XXXX XXXX XXXX or vise versa and now today XX/XX/XXXX it has now re apearred. As i stated above i have previously went through the annoying drawn out process with both transunion and XXXX a couple years back but today i have yet again disputed this fraudulent so called debt with Transunion in which i was told they just report whatever the collectors say without following up or requiring proof from the creditors. I am the consumer who has to suffer when this happens until the problem is fixed. Everything nowadays requires credit of some sort. I was planning on getting a house which now i can no longer get because of this fraudulent report by transunion and XXXX. I want justice. Tbh im thinking about sueing. Years back when i disputed i was told to call the creditor because there was nothing they can do they just report. Yeah they do. Anything and everything and then try and refer you to their website and tell you to put a lock on your credit report in which they try to bill you. Its as if they allow fraudulent creditors to place fraudulent report on your credit report so that they can make money off of you. But i refuse. This is illegal! Everything i have ever owed i have paid in full if not more than what was borrowed in " XXXX XXXX XXXX XXXX '' Which was a government overpayment. In which i was charged taxes on but had to pay back. So i also want either a tax credit for the difference or my money back. Period. I have proof and would like that issue solved as well. The overpayment was XX/XX/XXXX- XX/XX/XXXX. But as i already stated there is a fraudulent report on my credit report that i keep having to dispute and is causing tons of emotional and financial damages. It should not be legal for a fraudulent creditor to sell fraudulent accounts to other creditors and still conflict more emotional and financial damages. I am fed up! Please do something about this before i pursue a lawsuit on any and every party involved in these matters.
Consumer complaint received 2019-08-01
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. (AL)

The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious. 

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (PA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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 submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the XXXX  has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (IL)

I refinanced a mortgage with BSI Financial on XX/XX/2018. Prior to closing, they received a copy of my updated homeowner 's insurance along with an invoice. The total ( {$850.00} ) was paid from proceeds from the closing, and listed as a line item on the closing statement. 
A few months later I began receiving letters that I did not have homeowner 's insurance and the lender would purchase forced place insurance. 
I called a few times and was told a ) uploading it online wouldn't work, b ) the insurance from closing must not have gotten to the correct department at BSI c ) they would contact my homeowner 's insurance company and all would be fine.

Today I receive a letter that BSI has purchase forced place insurance and they are billing me for {$870.00}!!

This is FRAUD.
Consumer complaint received 2018-09-14
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: ALLY FINANCIAL INC. (FL)

My XXXX report shows three inquiries from Ally Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have NOT had an account with this bank since XX/XX/XXXX. I have not applied for any loans, for any accounts, NOTHING from this bank. They NEVER had any permission to check my credit for any reason.
Consumer complaint received 2018-09-10
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: JPMORGAN CHASE & CO. (NY)

I was unfortunately late on a payment with my Chase Shappire credit card in XX/XX/XXXX that did not exceed more than 30 days. This was just basic human error on my part and I have not been late ever since. I've only had this card since XX/XX/XXXX and it is my only credit card. When I called Chase to remove the late mark on my report I was told I was past the 90 day grace period and they can not remove the remark. I tried calling a few more times and even disputed it with all 3 credit bureaus and still no luck. 

I recently applied for a small loan for debt consolidation and was denied. The principal reason for denial was : missed payment reported on my credit report. They checked both XXXX  and XXXX. My other 2 loans reporting on my card ( 1 school and 1 personal ) both have no late or negative remarks as they have been paid on time every month. 

After doing some research it states that 35 % of your score is based on your payment history. I think this may be the reason I have been denied as I applied for a school loan and one other credit card between XXXX and XXXX of this year and was also denied. 

I need help getting this late remark removed off of my report so I can get a small loan or second credit card for any potential emergencies.
Consumer complaint received 2018-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (CT)

I requested my auto pay be held for the month of XX/XX/XXXX, I spoke with a rep at BMWF on or around XX/XX/XXXX, she said she would request payment held until XX/XX/XXXX. Their web-site still shows payment to be pulled on or around XX/XX/XXXX, that rep did not do what was asked of her and needs to be corrected. I checked the site today, XX/XX/XXXX, it shows payment pending for XX/XX/XXXX, needs to held until XX/XX/XXXX
Consumer complaint received 2024-09-04
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. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

Wells fargo national assciosation bank and all other corperations wells fargo has due to XXXX XXXX XXXX  and wells fargo trust fund in my name with land ownership and oil mineral rights and credit owner of interest office of the comptroller of currency in XXXX texas is asking for account number never recieved from XXXX XXXX police dept which has case of XXXX XXXX XXXX XXXX twice now is XXXX like XXXX XXXX into wells fargo acvcount in XXXX that reason parents were XXXX  and wanted to giuve me life sentence in XXXX and premeditated XXXX  and piosening started and still havnt recieved my product due to virus clogging up pours and need to do ask i stated with product from efedrin machine and XXXX  doctor home and house next door should been creating cure and zapping serpints in controlled substance to have virus hopefully stay water till recieve capsule might take one year to recieve its the clear substance needed not the extraction of siemen but the leakage of precum that strongest with body high not medical marijauna piosen kills children annerism and high courts ruled on this case already so what problem a police XXXX advised a poterntal women who never used such enhancement of XXXX driven stanima for at least XXXX to XXXX hours a day shalin seagal can break records i believe since i know her and wouldnt set up she be paid in full by XXXX and my signature stamp agreement forinsic should of been here if possesd long time ago
Consumer complaint received 2019-04-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

My complaint is about the bank allowing international scammers to launder the proceeds of crime through the bank. My bank in the XXXX has informed me the bank are aware these people are using these accounts to steal peoples money and yet still allowed this to happen. The bank in question here is : Wells Fargo XXXX XXXX CT XXXX XXXX California CA XXXX. 

2 fraudulent transactions were processed through this bank/ a ) XXXX XX/XX/2017 {$4500.00} b ) XXXX XX/XX/2017 {$7000.00}
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RSI Enterprises, Inc. (MS)

On XX/XX/XXXX I initially filed a claim with the CPFB against RSI Enterprises in response to RSI sending validation showing that I owed the debt. Pursuant to 12 CFR 1006.18 a, A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Since then, these crooks have deleted my account attempting to cover up their deception. On XX/XX/XXXX, I sent a letter with an attached invoice for this violation. RSI responded by stating that I do not have an account with them. I called as suggested by the letter that I received on XXXX XXXX, XXXX, and there was still no resolution. My rights were violated as a consumer and I will settle for nothing less than what is owed to me. If this is not resolved then I will take this report, which is an attempt to resolve, to federal court.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian reports duplicate accounts reported by collection agency XXXX XXXX XXXX   XXXX. 
See complaint XXXX. 
XXXX has submitted duplicate accounts admits they are duplicates and refuses to correct the information. 
Please correct information
Consumer complaint received 2018-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion never thoroughly investigated my compliant under the FCRA & FDCPA. -- -- -- -- -- -- -- TransUnion continues to report XXXX on my credit file even after I provided verifiable evidence ( see attachment ) of XXXX deliberately responding to my certified debt validation 30 days after the time period allowed for creditors to respond. -- -- -- -- -- -- -- OnXX/XX/2018, XXXX  received ( certified mail ) my debt validation request. I did not receive a response from XXXX until XX/XX/2018. Please Note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} fine per un-deleted item.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (TX)

On or around XX/XX/XXXX my cash app account sustained over 40 unauthorized transactions with an online merchant funzpoints. I reached out to cashapp in a timely manner XX/XX/XXXX to report the unauthorized transactions. On or around XX/XX/XXXX I was notified that my claim was denied and the information used in making the decision could be provide upon request, in which I requested. The information used in denying my case lacks sufficient evidence ; therefore resulting in an inadequate investigation. Not only did I file a claim in a timely manner, I have no history or relationship with the merchant. Cash ap failed to take preventive measure in protecting my account from the fraudalent charges. Cash app also failed to include all unauthorized charges from the mentioned merchant in my claim. 

Attached is the evidence cash app used in resolving my claim
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

In XX/XX/2018I disputed an inaccurate account with EXPERIAN. In XX/XX/2018EXPERIAN responded back saying the account was verified. The account showing inaccurate information is XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # XXXX I received a copy of a statement from XXXX XXXX XXXX on the Account ending in # XXXX and # XXXX and both statements are showing an address not associated with XXXX XXXX XXXX. I have enclosed the copies of both statements on the account showing the address not associated with XXXX XXXX XXXX  the address showing on the original creditor statement is XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX. I XXXX XXXX   address is XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX. Please remove this inaccurate account or i will file a suit. All credit bureaus are supposed to report 100 % accurate information. All credit bureaus are supposed to conduct a reasonable investigation. This is not a reasonable investigation as for your company would have caught that the address on the account ending with XXXX   and XXXX  is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. I received a copy of the statement from the creditor and the address is listed with an unknown address, please remove these account from my credit file. I have enclosed copies of the statement from the original creditor thats reporting on my credit report.
Consumer complaint received 2018-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (TX)

Hello, The following is a continuation of complaint # XXXX. In XXXX XXXX and American Express ' response they noted that I called in and represented myself as my father ( customer ). I clearly remember identifying myself as XXXX,   and never once stated that this was my loan. In an effort to address this matter, I suggest XXXX XXXX, American Express, CFPB and myself have a conference and listen to the call. In addition, the company also took my cell number during the call and used it for follow up contacts without my permission and without a miranda indicating it was okay to do so. Not only has American Express had a formal Do Not Call on file for my number, but the document clearly states that I am not the customer. When XXXX XXXX called back on XX/XX/XXXX they advised that it was an attempt to collect a debt, and I clearly identified myself as the customer 's son. The agent did not go any further, but did ask if I had a valid contact number for my father. I gave them my mother 's number and the call ended. Again, I didn't tell them not to call because American Express had already had one for file for months if not years. When XXXX XXXX  called back again on XX/XX/XXXXand again advised that it was an attempt to collect a debt, again I clearly identified myself as the customer 's son and informed them that I already gave them a contact number. Here the agent advised that she knew, but that the one I provided was also highlighted as a Do Not Call number. The statement definitely stuck out because not only was she attempting to collect from someone she knew was not the customer, but since the agent was unable to contact the customer they started contacting known family members for payments. Lastly, when I did call back in on XX/XX/XXXX, the assisting agent refused to indicated whether or not my number had been removed from their call list. They would not validate the information so I asked to speak to a manager and they refused. Only after noting that refusing to allow me to speak to one is in fact a violation did they decide to get me to a manager. At that time I confirmed that my number had still not been removed from their system. The manager informed me that they would do so, and I believe that they have.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

Please remove the following inaccurate names:
XXXX XXXX,
XXXX XXXX XXXX,
XXXX XXXX,
XXXX XXXX,

also please remove the following inaccurate addresses:
XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX,
XXXX XXXX XXXX XXXX WA XXXX,

please remove the following inaccurate employers:
XXXX XXXX,
Consumer complaint received 2019-07-09
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. (TX)

Equifax and XXXX  are reporting incorrectly on the XXXX partial account number XXXX with a charge-off balance of {$720.00}. ( Please see page 2 of the attached credit report. ) XXXX is reporting a duplicate on this account as XXXX partial account number XXXX with a {$0.00} balance and {$0.00} past due. ( Please see page 28 of the attached credit report. ) This account needs to accurately report a {$0.00} balance and {$0.00} past due. This duplicate reporting is harming my credit score.
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION (PA)

After being advised by XXXX that an unauthorized transaction in the amount of {$39.00} effective XX/XX/2018, needed to be resolved by my financial institution ( PenFed ), I filed two disputes to have the charge investigated and my account credited. Confirmations on XX/XX/2018 and XX/XX/2018 from PenFed advised an analyst would contact me within 21 business days. This never occurred. Three follow-ups via phone ( the latest on XX/XX/2018 ) and two follow-ups via email ( the latest on XX/XX/2018 ) yielded zero results. No agent of PenFed has contacted me regarding this charge. In the meantime, when charges are in dispute consumers are not responsible for the charge, yet the institution auto-debited the amount upon my statement due date.