davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-23
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THESE INQUIRES HAVE BEEN PLACED ON MY CREDIT REPORT WITHOUT MY CONSENT. I HAVE NOT BENEFITTED IN ANY WAY FROM ANY OF THEM LISTED BELOW. PLEASE REMOVE THEM WITHIN 4 DAYS. 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 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 2023-03-30
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. (NY)

As I had reported to your office in bank in XXXX, as a consumer, I was a victim of predatory lending by XXXX XXXX of XXXX, NY ( car dealership ) and XXXX XXXX XXXX XXXX XXXXXXXX. These two entities played in concert to inflate my income to justify the debt-to-income ratio in getting me into a used XXXX XXXX XXXX that I could not afford and had no business getting into. All the proof is in writing so no way for anyone to dispute what I provided as my income and what XXXXXXXX XXXX shows as my income. Over XXXX off in what I make per year to what they are showing. XXXX XXXX ( the dealership ) is now pointing its finger at XXXXXXXX XXXX to blame and the bank is blaming the dealership. While Im stuck as the victim of a fraudulent debt and XXXX Bank destroying my credit at free will each month. 

Long story short, as I am immensely struggling to make the above car payment living on XXXX and on Social Security benefits, my attorney and the bank 's attorney ( as you can see attached correspondence dated XX/XX/XXXX ) came to a settlement that affective XX/XX/XXXX by monthly payments would decrease to {$450.00} per month ( still very high but will try my best to pay ) and my credit report will be cleaned and no longer show delinquencies. As you can imagine, XXXXXXXX XXXX has been pummeling my credit each month. In return to the above amicable settlement, I was to no longer complain or talk about the scheme that I was a victim of between XXXX XXXX and XXXXXXXX XXXX. 

Today, XX/XX/XXXX, as I was preparing to make the above {$450.00} payment to XXXXXXXX XXXX for the XX/XX/XXXX auto loan payment, I got the attached " delinquent '' alert from XXXX? Seriously? Claiming that I was delinquent in a payment again and now owe the bank the amount of {$1900.00}? I immediately called XXXX XXXXXXXX XXXX XXXX XXXXXXXX this morning and spoke to a XXXX XXXX and he said " unfortunately will we continue to hit your credit as delinquent as there is nothing we can do about it. Agreement or no agreement. '' Nothing short of disturbing the scheme, scam and bullying that I've been subjected to as an innocent consumer. They are trying to shake me down in any way possible. Either pay the bad loan we tricked you into or we will continue to destroy your credit. Agreement or no agreement. 

What makes matters worse is that I'm trying to co-sign on a loan for my XXXX and XXXXXXXX XXXX XXXX XXXXXXXX has destroyed my credit to the tune of over 140 points per bureau to force me to pay for their predatory lending scheme.
Consumer complaint received 2023-05-08
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute particular records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm contesting have nothing to do with any transactions I've done or approved in order to obtain products, services, or money. Please delete the following ITEMS. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (SC)

On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-23
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. (VA)

I have disputed this inaccurate information with TransUnion several times in regards to this fixing my public records TransUnion has refused to correct this information several times. They are violating me by the FCRA I made a complaint to the third party agency also that supplied the information to TransUnion which was XXXX they also sent me information that I have attached to this complaint. TransUnion is refusing to fix this issue after several complaints that the information is in fact inaccurate. I will continue to dispute this with the CFPB until the issue is corrected. I filed bankruptcy in XXXX and I was granted a discharge, case # for that case is XXXXXXXX XXXX XXXX  discharge in XXXX which TransUnion is not reporting that one but the one I filed in XXXX case # XXXX that was denied a discharge they are reporting that one as a XXXX XXXX  discharge why by law if I was granted a discharge in XXXX I was denied a discharge in XXXX because I was not eligible.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WY)

Ive been a depositor with US bank for over 10 years. I moved to XXXX, Wyoming over 2 years ago. On XX/XX/XXXX XXXXXXXX XXXX XXXX issued me some blank checks to use for a balance transfer at XXXX percent interest for 10 months. I deposited one of those checks in the amount of {$10000.00} into my US Bank checking account to pay down 2 large interest bearing credit cards. After the check had cleared and the 2 payments cleared, US Bank decided to reverse the XXXXXXXX XXXX and reverse the 2 payments to my 2 credit card companies and close my account for Suspicious Activity. They also kept my last auto deposit from my employer dated XX/XX/2023 and caused me considerable hardship. They finally issued me a check on XX/XX/XXXX. I had to borrow money to pay my mortgage on time and to make a car payment on time. I have 3 auto deposits going into my US Bank checking account each month, 2 from my employer and 1 from Social Security. My checking transactions are pretty much the same each month, no unusual activity. Using bill pay I pay my mortgage, utilities, car payment and credit card debts. The only difference this month was the {$10000.00} deposit from a reputable financial institution. The treachery of this act has caused me to reconsider leaving my money in any bank. Now I keep all my money safe at home. Recalling how the prime minister in XXXX had frozen the assets of the truck drivers who protested the unlawful vaccine mandate, I thought at the time that this could happen here in America too. But I didnt think it could happen to me. And since it happened to me, then it could happen to anyone. It is a sad day in America when a bank can commit such an egregious act against a law abiding citizen.
Consumer complaint received 2023-04-23
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

Caller has 1 task- get money. Even though I tell them I have nothing all they want is a credit card number or bank account. They dont care if my utilities are to be turned off, they just want money now, not next week or a amount I might be able to afford.
Consumer complaint received 2023-03-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I took out a HELOC in XXXX with XXXX and paid it off 15 years ago in XXXX at refinance settlement with XXXX XXXX XXXX  ( Please see attached Settlement Statement showing payoff with XXXX XXXX XXXX  as well as the paid-in full letter from XXXX lien dept . However, they never released the lien. 

XXXX XXXX was a savings and loan association that was based in XXXX, California. The company was acquired by XXXX XXXX in XXXX, which in turn was acquired by Wells Fargo in XXXX. 

Following the acquisition by XXXX and later Wells Fargo, the XXXX XXXX branches in XXXX XXXX and other locations were rebranded as Wells Fargo branches. Today, Wells Fargo operates hundreds of branches in Texas, including several in the XXXX XXXX area. 

I need Wells Fargo to provide us with the proof of payment/lien release .
Consumer complaint received 2023-03-29
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)

While I was XXXX  some one applied for multiple things in my name using the address XXXX XXXX XXXX XXXX ny XXXX, XXXX XXXX, XXXX XXXX are the last items left as well as the address XXXX is reporting inaccurate information to Experian, they removed it and then it came back, XXXX XXXX is report inaccurate information to XXXX. The accounts was open fraudulently I have provided all the infomation needed, police report, identity, l theft report, drivers license, birth certificate etc I would like these accounts and address removed from my file
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

XX/XX/XXXX I was in the process of buying a home when it was brought to my attention that my score dropped over XXXX points! 

I contacted the company in reference to the debt and spoke with a manager to which the manager revealed to me that there was a case and desist or place on the collection company on XX/XX/XXXX. The manager realized it was clearly a violation and provided the email to the compliance department.

I don't own this debt as part of the court order when my house was sold through a petition to partition all debt for the home was submitted and paid prior to the house being sold! 

Now that I cant buy the house I wanted this has cost me thousands of dollars, the loss of the property I was trying to buy, and I have to start the whole home process again! 


Debt collection National Recovery Agency
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was scammed using my debit card on XXXX XXXX  they still have not returned my XXXX to my account spoke with a XXXX in complaints she stated theres nothing they can do if merchant doesnt return funds its not fair for a consumer to lose XXXX and nobody seems to care XXXX XXXX or Bank of America
Consumer complaint received 2024-09-30
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: Conn's, Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-03-13
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. (GA)

On XXXX XX/XX/XXXX, I submitted a complaint due to improper use of my credit report by XXXX, XXXX, and Equifax. Today is XXXX XX/XX/XXXX and I have not received anything in regards to the fraudulent items being removed from my credit report. After submitting identitytheft.gov affidavit more than 3 times- I still have no response. I have requested to receive validation made pursuant to the Fair Debt Collection Practices Act ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation. Please also be aware that the negative marks found on my credit reports ( including XXXX, XXXX, and Equifax ). As a victim of identity theft, the credit bureaus have continued to defame my name, provide negligent enablement of Identity Fraud and violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Tracking number sent Certified Mail Receipt from XXXX Equifax XXXX XXXX XXXX XXXX XXXX The credit bureaus stated my accounts were investigated but how is it possible when the open dates are inaccurate, the last active is inaccurate, the date last reported is incorrect. This is grounds for removal as well as my rights being violated under 15 USC 1681 section 602 A : I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : a consumer reporting agency can not furnish an account without my written instructions. As well as taking more than 30 days to respond from my initial request for validation. This identity theft has resulted in loss of funds and lending.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc. (TX)

I have sent online disputes to all these companies and they continue to report inaccurate information. 

CONN APPLIANCES INC Account XXXX XXXX Account XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX & CO Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX & XXXX Account XXXX.
Consumer complaint received 2023-05-08
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. (SC)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/2023, Wells Fargo called to speak to my father. I told them that my father was in the hospital and my mother ( joint on the account ) was available. I was told that without a power of attorney on file the bank could not speak to my mother. My mother received notification that the account had been suspended due to suspicious activity. My mother and I brought a power of attorney document to the Wells Fargo local branch. This document was reviewed by legal and found to be valid. A notary arrived and verified my mother 's identity. The documents were uploaded into Wells Fargo 's system. We were told that we could not do anything further until the documents were " in the system '' and that this might take two business days. My sister called the number we were given ( XXXX ) approximately XXXX XXXX on XX/XX/2023 and was told that they could not speak with her, as she was not on the power of attorney. At XXXX on XX/XX/2023, I called the same number, as I am on the power of attorney. I was told that no power of attorney was in the system and that I should call back later. I called back at XXXX and was again told that no power of attorney was in the system. I asked if we would be notified when the power of attorney was in the system and I was told that we would not be. I called again at XXXX on XX/XX/2023 and was again told that there was no record of a power of attorney in the system. The account can not be used, and we have only been told that it can take time for the power of attorney to be uploaded into the system.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (LA)

Upon checking my account on XX/XX/2015 I see unauthorized transactions for XXXX {$510.00} on my account I disputed the transaction and they denied my claim within in two days its takes more than two days to investigate a dispute claim I feel like their not investigating my claims.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Check deposited by electronic means for {$15000.00} by a third party. Check was fraudulent and returned but bank has frozen my account pending closure because they said it was not Fraud. USAA will not close the account nor let me use the account. I had nothing to do with this.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-13
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. (GA)

On XXXX XX/XX/XXXX, I submitted a complaint due to improper use of my credit report by Transunion, XXXX, and XXXX. Today is XXXX XX/XX/XXXX and I have not received anything in regards to the fraudulent items being removed from my credit report. After submitting identitytheft.gov affidavit more than XXXX times- I still have no response. I have requested to receive validation made pursuant to the Fair Debt Collection Practices Act ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation. Please also be aware that the negative marks found on my credit reports ( including XXXX, Transunion, and XXXX ). As a victim of identity theft, the credit bureaus have continued to defame my name, provide negligent enablement of Identity Fraud and violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Tracking number sent Certified Mail Receipt from XXXX XXXX XXXX XXXX XXXX Transunion XXXX The credit bureaus stated my accounts were investigated but how is it possible when the open dates are inaccurate, the last active is inaccurate, the date last reported is incorrect. This is grounds for removal as well as my rights being violated under 15 USC 1681 section 602 A : I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : a consumer reporting agency can not furnish an account without my written instructions. As well as taking more than 30 days to respond from my initial request for validation. This identity theft has resulted in loss of funds and lending.
Consumer complaint received 2023-03-13
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. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. Or a 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 an 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 or 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.