davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On the night of XX/XX/year> to XX/XX/year>, as I was on vacation in XXXX, my phone got stolen. When I recovered access to my accounts ( purchased another phone and had XXXX activate my number on the new device ), I noticed multiple Wells Fargo unauthorized transactions that were completed using my digital wallet. I also filed a claim with Wells Fargo ( claim # XXXX ). On XX/XX/year>, I received a letter advising me that the charges were authorized and my claim was denied. I then called Wells Fargo to try to understand the reason, and was told IP addresses were consistent, which makes no sense since I was in XXXX. Now, my phone was stolen, so the transactions were made using my phone, but they were unauthorized nonetheless.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (AR)

I have written to XXXX, via certified mailed. I informed XXXX that I received letters from XXXX XXXX XXXX XXXX XXXX  Court and the Court stated that do no not verify bankruptcy information nor do they report to any credit bureaus. 

XXXX did not and does not have written consent from me to release my private information to their credit reporting agency, neither did the Court request them to list my personal information. This is a violation of my privacy. 

There is no written nor verbal consent from me to report my private information to any bureau, XXXX, XXXX nor XXXX, nor XXXX, yet they all are reporting without my consent
Consumer complaint received 2024-09-19
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: ECMC GROUP, INC. (GA)

when I questioned who was the borrower they sent information saying they needed more information and never did answer valid questions even when the CORPORATIONS were put on the UCC for discharge they never answered who the Borrower is they took money from my Social Security and never gave it back. Under Threat duress and coercion I was forced to make payment arrangements, now all of the CORPORATIONS are registered securities on my UCC California Liens for 30 years under the number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Mid-Atlantic Finance Co., Inc. (WV)

I filed a complaint that is closed. Mid Atlantic DID NOT provide the information I requested! They were rude, condescending, and unprofessional. Due to their lies in the previous complaint. I want the information Im requesting to be sent straight to you. I did speak to 3 people last night whom all were rude and unhelpful like today. Im being told they will not give me any information until I pay my loan in its entirety. That its LEGAL to repossess a vehicle at any time without any notice. Which I didnt have. And that since I have an attorney they can call for the information. This is just wrong and beyond unprofessional behavior!
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc. (AR)

I have written to ARS, via certified mailed. I informed ARS that I received letters from XXXX XXXX XXXX XXXX Bankruptcy Court and the Court stated that do no not verify bankruptcy information nor do they report to any credit bureaus.

ARS did not and does not have written consent from me to release my private information to their credit reporting agency, neither did the Court request them to list my personal information. This is a violation of my privacy.

There is no written nor verbal consent from me to report my private information to any bureau, ARS, XXXX nor XXXX, nor XXXX, yet they all are reporting without my consent
Consumer complaint received 2019-07-17
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: EQUIFAX, INC. (NY)

Hello on XX/XX/2019 went on XXXX XXXX noticed i got a hard pull from XXXX  XXXX on XX/XX/2019. I did not apply or authorize anything with this company. I called up there customer service and they told me to report it as fraud and thats the only way they can remove it since I don't have a card with them on record from whoever that tried to pretend to be me. Than the hard pull would be removed from cred report agencys within 30 to 45  days.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DIGITAL FEDERAL CREDIT UNION (AR)

On XX/XX/year> I requested a domestic wire transfer from my own account at Digital Federal Credit Union to another account of mine located domestically within the US at my brokerage XXXX. They indicated they received the wire transfer and would be in contact with me for any additional information on XX/XX/XXXX via email. Later in the day on XX/XX/XXXX ( after the cutoff period ), they emailed me asking for more information. Once this information was requested, the information was promptly provided that was requested including a copy of my passport, and other identifying information. On XX/XX/XXXX I called before XXXX EST which is their cutoff period for completing the wire transfer on that day, and they indicated they received all required documentation via the phone call and their would be no reason why the wire wouldn't be completed that day. Another day later on the XXXX the wire transfer was still not completed, and they asked for a piece of paper signed with my address. Which I again provided as soon as possible. The Transfer was not completed on the following Monday on the XXXX and was only completed after I called again on the XXXX to question why and if I need to show up in person for cash. 

Finally on the XXXX after XXXX ( cutoff ) they indicated the wire was sent. It was not actually recieved by my Brokerage until the XXXX. XXXX Full days have passed for the requested domestic wire transfer. Due to EFAA regulations, bank-to-bank wire transfers between accounts in the US must be completed within 24 hours.

I emailed them the same question multiple times and never was given a proper answer. In addition, I requested the recordings for the phone calls multiple times via email and never received. I requested restitution due to the lengthy delay with the wire transfer multiple times via email as the delay caused significant financial damage and impacted my ability to move forward with a property purchase in XXXX. The restitution is due to the volatility in exchanging USD to XXXX and the significant drop in value for the exchange due to delay. 

In addition, on multiple occasions via phone and emails I requested my accounts be closed on XX/XX/year>. As of XXXX I have had to call again and they refuse to close the accounts without again requesting the same information that I have already given them via wire transfer. Due to the accounts not being closed they continued to send bill payments and accept transactions that were not authorized. 

XXXX is refusing to make me 'whole ' due to the significant damages that I have incurred for their failure to complete a wire transfer within a timely manner and failure to close all accounts and continue to allow further transactions on accounts.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (MD)

I was a victim of identity theft I made a report my identity continues to be used in opening fraudulent accounts and making hard inquiries. These accounts are now affecting my credit report and Ive been trying to get them removed. I was advised by the credit bureau to fill this form out to have the accounts updated and removed from my credit filed due to identity theft. 

XXXX XXXX XXXX police report Report number XXXX The following was provided to me today by XXXX XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX {$2300.00} XXXX XXXX XXXXXXXX {$4800.00} XXXX XXXX XXXX $ XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXXXXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$5400.00}
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (TN)

On XXXX XXXX I was served a Civil warranty stated I old a debt of XXXX Pay to XXXX XXXX XXXX XXXX company I requested for validation letter proof of the debt and the origial contract my My identity Was stolen I don't have no knowledge of this debt.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am submitting this follow-up complaint to inform you that I have previously reported these fraudulent activities multiple times. I request that the three credit bureaus remove these fraudulent items from my credit report. Legally, you are required to remove any items that were opened without my authorization. Please review and remove the following items : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
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. (MI)

I sent letter to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-09-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Larry H. Miller Group of Companies (CO)

My ex husband and I had purchased a vehicle in XXXX had it for about a year then had it voluntarily repossessed because we werent able to make the payments right after Bankruptcy. XXXX XXXX XXXX had both of our numbers at the time but kept calling, texting and emailing and wanting their money for the Deficiency balance but I was never given any record of what they sold the car for at Auction, was told it wasnt necessary. I told them to only contact me via email for emergency purposes only because I was tired of the harassment calls. They were only to get ahold of the Ex. At this point it was sent to collections with their Attorney, There was an agreement for the amount of {$10000.00} on XX/XX/XXXX for a payment plan that the ex and I agreed to pay. We signed off on it for the agreement plan and were making payments until he stopped. Two years go by and I hadnt heard form XXXX, The agreement stated we would receive a 10 day notice as of XXXX this notice was sent XX/XX/XXXX for the amount of {$9000.00}. Silent for another two years, there was a writ of garnishment filed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no documentation how/who was served, this was not delivered to my address, it showed the debtor to be ex husband only. He never mentioned to me they were trying to go after him so I didnt think anything of it. I was not mentioned as the debtor until XX/XX/XXXX received no notice of anything until XXXX started garnishing my wages 7 years later with no avail from the ex. Now they are trying to get me for {$17000.00} Im a single mom with XXXX XXXX XXXX kids and he should be responsible for half since they are garnishing my wages now. I spoke with the Attorney for XXXX and was told that if XXXX is willing to work with me that all they had to do was send of the proper paperwork to him and he could get the garnishment lifted. XXXX stated that it was their policy and they unfortunately cant get the garnishment lifted that I have to finish out my 6 months then call them back before another garnishment was placed to work something out with them. XXXX also close this case out on my credit report in XXXX of XXXX and stated it was paid and closed. They are not reporting anything on my reports either that Im making payments.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MA)

I am writing to share a negative experience with Chase, who runs the Explorer Card for United Airlines. 

On XX/XX/XXXX, I was looking for flights for the holidays. I proceeded to choose the flights through United Airlines- for both my mom, myself, and my pet. The total was Upon reaching the checkout screen, I was presented with a banner that claimed to offer {$300.00} off the first statement purchase, which would bring my cost down significantly. In addition, I'd get many other benefits like XXXX bonus miles if I spend {$3000.00} within the first 3 months, free checked bags, etc. This sounded like a great opportunity so I clicked the offer and proceeded to apply and be approved for a card. After everything, I restarted my process and purchased all of the flights that night. However, my emails were only speaking of XXXX bonus miles after spending {$3000.00}, which didn't match the banner offer. 

On XX/XX/XXXX, I reached out to Chase, who claimed the deal was not being offered and they would not be matching my request. Upon asking to speak with a supervisor, I was told to send proof via their Secure Message portal, which I did since the offer is still active. The website was not allowing messages to be typed, but I started the written process with screenshots since the supervisor on the phone had noted my concern. 

On XX/XX/XXXX, Chase replied stating, " If you saw the offer on a banner ad on your chase.com account, please send us a screenshot of the ad with your name on the offer. '' This is an unreasonable request because a public banner does not specify people 's names, so once again, I referenced my initial screenshots showing the United website offer. 

On XX/XX/XXXX, Chase informed me that they would not be honoring the offer that continues to be publicly advertised to United customers. 

As of today, XX/XX/XXXX, I have informed Chase that I would be reporting this misleading and unethical practice. This situation puts customers in a vulnerable place because I have signed and agreed to pay my statement, and I can't just close the card because it will negatively impact my credit score. I have also shared this grievance with United Airlines because I can't be the only customer who has gone through this unfair experience. I have attached the user journey recreating my experience on XX/XX/year> and what is still being shown today.
Consumer complaint received 2024-09-03
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. (NY)

I moved from XXXX XXXX XXXX XXXX on XX/XX/year>. They lied saying I owed a balance of {$5600.00} and when I asked where the amount came from I was told that I broke the lease. I have proof that I didn't break the lease.. My rent was {$1200.00} at the time and I only had XXXX month left on the lease. So even If had broke the lease which I didn't that still would not add up to {$5600.00} dollars. I moved XX/XX/year> and I my wife wrote the property XXXX in a letter that we would be moving XX/XX/year> after she sent me a letter stating she would allow me and my wife to terminate the lease early. Which XX/XX/year> my lease would have been up. After we received the collection from XXXX XXXX XXXX and disputed with them asking for itemized statement and original contract we never received anything or even the dispute resolution. We also disputed with the the credit bureaus. Transunion removed my wife but found mine as accurate. I included copies of the document.
Consumer complaint received 2023-09-27
Product: Credit 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: WELLS FARGO & COMPANY (CA)

I previously had a Wells Fargo Visa credit card that was hacked and used in an identity theft event to make an unauthorized purchase. 

So Wells Fargo cancelled and inactivated that card so it could no longer be used, and also sent me a new, replacement card with a NEW credit card number. 

However, when the new card arrived, I decided I no longer needed this new, replacement credit card, so I NEVER activated it and tossed it somewhere ( it's probably in a drawer somewhere in the house... ). 

I am still paying off the balance on the old, hacked credit card. 

Well, on XXXX XXXX I paid a cable bill using my current DEBIT card ( I no longer use credit cards ). 

The cable company got paid twice ( which is fine since there's always an ongoing, monthly balance on this bill ). 

BUT, the XXXX charge was charged to that credit card that I NEVER activated. 

I used to receive a text message indicating a charge whenever I used that old credit card ( with the last XXXX digits of the credit card used ), so when I paid the cable bill over the phone, I thought it was strange that I got a text message saying the cable bill amount paid was charged to my credit card, BUT I did NOT recognize the number it included. 

Turns out I didn't recognize it because it was the last XXXX digits of that replacement card I NEVER activated. 

Wells Fargo has tried to continue blaming the cable company for supposedly making that XXXX charge against the old, hacked, inactivated credit ( though when I paid the bill on the phone, I only authorized one ( 1 ) charge against my debit card, NOTHING more ). 

The point I tried to make with Wells Fargo was what was the use of cancelling the hacked card so it couldn't be use but charging the replacement credit card I NEVER activated, when they would just allow a charge I did NOT authorize to go through anyway. 

Some credit card security. 

They are refusing to move forward unless I also give them my DEBIT card number that was CORRECTLY charged for the cable bill amount. 

I'm refusing to give it to them because that's just another number they can make screwups with - I have no dispute about the amount charged to the DEBIT card. 

Wells Fargo has a history of screwups they've REFUSED to resolve - the last one involved 2 different HOAs for 2 DIFFERENT residences in 2 DIFFERENT cities ( the 2 different HOAs may have used the same bank ).

I paid the monthly HOA dues for one residence but Wells Fargo credited it to the OTHER, totally different HOA- it looked like someone at WF was just too lazy, saw the designation " HOA '', and just dumped the dues money into the first HOA bucket they saw. 

This HOA dues issue was NEVER resolved by Wells Fargo- I simply got a refund from the one HOA who incorrectly received it and paid it to the correct HOA.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My information was compromised into the Equifax XXXX XXXX which cause my credit score to drop and ruin everything. This error is Illegal and Unethical. Equifax failed to investigate and will not take the responsibility of their actions. Please remove all the unauthorized accounts. I did file a FTC report as well.
Consumer complaint received 2024-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I'm asking for Debt Validation...

According to 15 USC 1692g requires debt collectors to follow CERTAIN procedures when validating debts : XXXX XXXX and LVNV FUNDING LLC have violated my rights. 
1. I want a detailed list of payments made by me on these accounts.

2. I want to see a signature that I put on a contract guaranteeing that I would pay this creditor.

3. I'm asking to see if there has been any insurance CLAIMS found on these debts.

4. I want proof that you have the chain of title to collect on these debts.

Also, According to 15 USC 6802 : Obligations with respect to disclosures of personal information.

( a ) Notice Requirements A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title. 
You ; XXXX XXXX and LVNV Funding LLC have violated all ABOVE laws