davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-18
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$11000.00}. 
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 ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2019-08-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I can not identify this item on my credit report i will like a legal binding contract that binds me to this item XXXX for the amount of XXXX please have it sent to my address on file. 
Thank You!
Consumer complaint received 2020-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

My mother died on XX/XX/XXXX. Her Chase bank account listed my brother, sister and I as beneficiaries. On XX/XX/XXXX, I wrote to ask them to distribute it. They replied to my email and on XX/XX/XXXX, I mailed the death certificate as requested. When I followed up by email on XX/XX/XXXX, I was then told they needed notarized requests from each of us. I sent mine by certified mail on XX/XX/XXXX, it was received by the bank on XXXX. My brother and sister were paid on XX/XX/XXXX. I followed up again on XXXX and was told they had not received my letter. I immediately sent them proofs of receipt and a copy of my letter, and have received no response. 

XXXX months have passed. Numerous phone calls were never returned. Chase has never responded with confirmations of submitted material or instructions on next steps, repeatedly waiting for me to follow-up. In addition, about a week after my mom 's death, they placed a huge debit against the account, effectively closing it to any payments while NEVER alerting us as to why this step was taken ( I discovered this is their policy when checking other customer reports online ). It was quite upsetting at the time. I believe the bank simply does not care about consumers who don't have large accounts. We were never given an overview of the bank 's policies or what was needed. In addition, it appears that at every step, low-level clerks are handling the matter. They take minimal steps or simply set it aside. 

I had a XXXX XXXX XXXX  on this account for several years as my mother was in ill health. Chase has my signature on file and my address is the same as my mother 's. There is no reason why this account shouldn't have been distributed months ago.
Consumer complaint received 2020-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (AL)

C

ontacted Vance and Huffman about false report on my credit report. Asked them to identify the original creditor and produce original contract or signed promissory note. They failed to provide me with said documents. They only provided attached letter produced by their office. I have no knowledge of this debt nor account.
Consumer complaint received 2020-11-18
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: First Advantage LNS Inc. (SC)

On XX/XX/2018 creditor ( National Credit Audit Corp ) added a derogatory remark to my XXXX  profile per XXXX XXXX. Upon further research, this account was a transfer/sold and i am no longer responsible for this account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or written signature for the accused at all. A bill without signature does not validate a debt and anyone can send me a bill saying it mine. According to the FCRA ( National Credit Audit Corp ) has validated my rights as a consumer and I am request legal actions to remove this account IMMEDIATLY!
Consumer complaint received 2020-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MI)

I have an account with cash app ( Square Inc ) with {$400.00} remaining. I have been emailing customer support about this situation for a week with no response. I am unable to send money, cash out, access my funds, or talk to a representative to see what I need to do to fix the issue. My card was disabled by cash app without my knowledge.
Consumer complaint received 2021-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

Discover Financial Services has continuously violated my consumer rights laws but practicing unfair debt collection practices. They have sent statements that include predatory lending language by giving me deadlines in which I must make payments. Discover has violated multiple federal laws over my time as a creditor with this company. 

On XX/XX/21 I received a statement that violated my consumer rights laws On XX/XX/21 I received a statement that violated my consumer rights laws On XX/XX/21 I received a statement that violated my consumer rights laws On XX/XX/21 I received a statement that violated my consumer rights laws In response, I sent over a debt validation letter requesting for Discover to validate the debts stated, an affidavit of truth which reported the violation of my federal laws, 4 exhibits of violations, and an invoice for the number of violations found in each statement.
Consumer complaint received 2020-11-19
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: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, 2020, WF CRD SVC add a  hard inquiry on my credit report per XXXX. 
On XX/XX/2020, WF CRD SVC add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2020-10-12
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. (CO)

Recently I checked credit report and found out a few items which never belong to me or any transactions made by me. I believe somebody stole my personal information. I am requiring to remove all of these items from credit report because of fraud. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2021-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (CA)

In XX/XX/2021 I spoke with numerous representatives w/ Navy Federal Credit Union in regards to a credit account. I was seeking the debt validation letter from the company. They told me they did not have that, i proceeded to ask for the original instrument of indebtedness and the young lady expressed to me that they didn't have it because the alleged " contract '' was done electronically. I since have not spoken to them but they have continued to harass and use abusive practices against me through interstate commerce in regards to a debt that has not been validated. I have attached documents to show evidence of these claims, i also enclosed in those documents a debt validation letter to assure the company gets it.
Consumer complaint received 2020-10-12
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: Chime Financial Inc (AZ)

I have since receive the report from Chime Bank stating that I am responsible for the withdraws stating that they have linked it by ip address, but still didnt provide any information on if they see the person taking the funds. The funds were being taken from XXXX XXXX XXXX XXXX, XXXX, AZ XXXX at XXXX XXXX. I have witnesses that can verify I was visiting my son cooking dinner at the location of XXXX XXXX XXXX XXXX, XXXX, AZ XXXX when the charges were coming off. The only place my card was used on XX/XX/2020 was at I XXXX XXXX XXXX on XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, Which they did have a new card reader they was trying to figure out how to work, I feel it may be them, also still had the card with me in my possession while these charges where being withdrawn. When speaking to Chime they didn't not want to help at all in this matter. They were to give me a credit while they do the investigation and didn't, I also had my XXXX XXXX protection get into the matter which they also believe these where fraud transactions. I have had Chime Bank over 3 years and never took out that much money all at once. I have followed all steps in the packet, as well as reached out to XXXX XXXX to retrieved my funds that were stolen from me. Every time we open the case Chime Bank closes the case. I have been fighting back and forth with Chime Bank since XX/XX/2020. The total amount stolen was {$1300.00} which I told Chime that was my funds to move into my own place. Its $ months later and still trying to retrieve what's mine. They didnt care nor gave a credit until proven otherwise. Now that i have to put a fraud alert on my account, im stuck with this back till its over. I have submitted a police report for the fraud as well. Chime Bank is the worse and they dont care what happens to the people that invest into their bank. A very sad story.
Consumer complaint received 2020-10-28
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. (TX)

To whom it may concern : My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

The dates below are some when I have sent out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2020-10-12
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. (IL)

Experian has reported my account for the last XXXX years that I'm not late on any of my accounts. Then on XX/XX/20, a collection account appeared only on Experian. I checked XXXX  and XXXX. My credit score dropped. I was at XXXX and now they are reporting XXXX.
Consumer complaint received 2019-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (MI)

I never received notice that this account would be placed back on my credit report, I have previously dispute this account and it was removed off my report.I have no knowledge or do not remember opening an account with XXXX. The account number is XXXX and the amount of this account is {$650.00}.
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I've filed a credit freeze with all three major US credit bureaus ( XXXX, XXXX, Experian ) I've received a PIN to unfreeze my credit from each of them.

Since freezing my credit, they've deprecated the temporary unfreeze process using the PIN I received. In each case, I must sign up for an account with the provider.

Experian worked mostly fine.

XXXX  and XXXX  both have broken account management flows, requiring that I call customer support. Customer support is entirely automated and does not address the problem. It took me a little over 2 hours to call these two agencies and be directed in circles before I gave up. I am not able to unfreeze my credit, despite having access to all of my own information, as well as the PIN they gave me. 
These bureaus should not be the stewards of Americans ' credit. They're far from secure, they're maddening and infuriating to work with, and the way they change credit score calculation algorithms serves to benefit only the agencies, and not creditors or the American public.

As an aside, the XXXX breach settlement was a joke.

It's absurd that I'm forced to manage accounts that I have not signed up for and have no control over. There is no free market at play here, I can't choose not to use these agencies. I can't even choose to use only one of them, I'm forced to manage three accounts I never wanted. Companies should not be able to build shadow profiles and collect information without consent like this.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted dispute letters on XX/XX/, contesting the validity of certain accounts. Despite their response claiming verification and the completion of the investigation, I requested verifiable proof. Since XXXX, I have consistently sought evidence without receiving any. These accounts are not mine, and I urge their immediate removal. I have attached my identity theft report to support this complaint.
Consumer complaint received 2021-08-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (CA)

Dear Wells Fargo, I applied for a credit card consolidation loan and fell for a gift card loan scam. 
The lender said that my credit wasn't that good, so they wanted to make a payment to my Wells Fargo Visa for {$480.00}, and XXXX XXXX for {$190.00} and {$190.00}. He told me that he wanted me to immediately repay the money as a measure of good faith that I wouldn't refuse to make my monthly loan repayment once the loan was disbursed. He also told me that he would provide instructions on how to repay trial deposits once I had received them. 
I did as the lender asked and repaid the {$480.00} from my Wells Fargo Visa and the {$190.00} and {$190.00} from my XXXX XXXX MasterCard. 
The deposits were returned on XX/XX/2021 - over 30 days later. 
The deposits were made from a XXXX XXXX XXXX account. 
Once I had repaid the trial deposits of {$480.00}, {$190.00} and {$190.00} I stopped communicating with him. 
I thought that Wells Fargo could perform a search on this XXXX XXXX XXXX account and see if this account had made any other deposits in any other Wells Fargo account. Then, contact law enforcement and get records from XXXX XXXX XXXX along with a SSN # and track this person down. 
Regards, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-09-14
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: TD BANK US HOLDING COMPANY (MO)

I AM A VICTIM OF ID THEFT.MY WALLET INCLUDING MT DEBIT CARD GOT STOLEN. TD/NORGSTROM HAS REFUSED TO REMOVE THE ACCOUNT EVEN THOUGH I PROVIDED A POLICE REPORT.
Consumer complaint received 2021-08-27
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 — Investigation took more than 30 days
Company: R & B Corporation of Virginia (VA)

I, XXXX XXXX XXXX, am the natural person, filing this complaint. On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later I have not received a response yet. I am starting to believe that as a consumer, I am being taken advantage of and my disputes are being ignored. I never gave you authorization to add anything on there nor did I give any creditor authorization for you'll to add to my credit report and I want it removed now!! I WOULD LIKE TO SEE THE ORIGINAL APPLICATION NOT THE ORIGINAL CONTRACT, A FULL COMPLETE AUDIT TRAIL and if you CAN NOT PROVIDE ME WITH THIS, I WANT THOSE ACCOUNTS DELETED NOW!!! In Section 611 ( a ) it is plainly stated that a failure to investigate these items 30 days gives you a reason to immediately remove those items from my credit report it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I don't understand why the XXXX I have to keep going back and forth with you people because you keep doing some illegal and unlawful stuff to my accounts on my credit report. I, XXXX XXXX XXXX, the federal protected consumer have already sent in all of the identification needed for authorization but I will upload them again for CFPB purposes. My information was also impacted by the XXXX and XXXX data breach and may have got into the hands of the wrong person. When I spoke to XXXX on XX/XX/2021, The representative lied and said that my DL, XXXX and XXXX XXXX was NOT in my file and when I spoke to his supervisor, the supervisor said it WAS ON FILE. This is the stress I have to deal with because I'm afraid of my identity being stolen again! Plus, Under Regulation V, CRAs only need sufficient identifying information to match you to your credit profile : Name, Address, DOB. So I'm not giving you my ID, SSC, bank statement to utility bill again that can be stolen from your database again.
Consumer complaint received 2021-08-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

My account with Coinbase was drained of all its money.I reached out to them several times but they keep stonewalling me.The first case number I opened with them was Case # XXXX which was not resolved and they decided to close it.The next case number I opened with them is Case # XXXX.Apart from acknowleging and giving it a case number nothing is being done.I cant reach them by phone.Only Email and they are not responding with a live person.
Consumer complaint received 2021-08-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

After attempting to remove hard inquiries from credit report I was given multiple phone numbers to call an attempt to repair a negative impact on my credit this resulted in the problem not being fixed. Was informed to call the credit bureaus, XXXX XXXX and XXXX  to remove hard inquiries that appeared on my credit due to the fact that my credit was ran but never resulted in obtaining the product or service even though my credit was ran. Now months later the hard inquiries are impacting my credit and making it harder for me to get any products or services due to the hard inquiries. Experian and XXXX XXXX refused to do anything and claim they can not help me. I have sat for multiple hours on the phone with both bureaus going in circles on how to fix this I was informed I could fix it to then call the number they provided to then be told I can not fix it. I would like the hard inquiries removed because they are preventing me to obtain an auto loan on my own achievements. The past hard inquiries that are shown on my credit currently were an attempt to get an auto loan intern I was never approved there for these hard inquiries on my credit doing nothing but impacting my score and making it harder for me to get a loan for anything.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX