davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
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. (NJ)

In accordance with the Fair Credit Reporting Act The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681 XXXX Utility company with account XXXX  XXXX opened on XX/XX/XXXX and a balance of {$120.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

2 XXXX XXXXCellular with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

3 Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$490.00}. The original creditor is XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

4. Public Record from a XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 

5. Public Record from a XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 

6. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

7. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

8. Inquiry from XXXX on XXXXI dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

9 There should only be one address on file which should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses. 

10. There should only be one Name on file XXXX XXXX. Please delete all other names. 



In accordance with the Fair Debt Collection Practice Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 15 U.S.C 1681 section 602 A. states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : 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.
Consumer complaint received 2023-04-06
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. (NJ)

In accordance with the Fair Credit Reporting Act The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681 XXXX Utility company with account # XXXX opened on XX/XX/XXXX and a balance of XXXX I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

2 XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

3 Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$490.00}. The original creditor is XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

4. Public Record from a XXXX XXXX  Bankruptcy on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 

5. Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 

6. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

7. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

8. Inquiry from XXXX on XXXXI dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

9 There should only be one address on file which should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete all other addresses. 

10. There should only be one Name on file XXXX XXXX. Please delete all other names. 



In accordance with the Fair Debt Collection Practice Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 15 U.S.C 1681 section 602 A. states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : 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.
Consumer complaint received 2023-04-25
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. (FL)

I found out that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

HELVEY & ASSOCIATES XXXX XX/XX/year> {$540.00} I am writing in regards to the alleged debt associated with [ account number/reference number ], which you claim that I owe. I have recently received a collection notice from your agency regarding this matter. 

Before I proceed with any further actions, I kindly request that you provide me with the necessary information to validate this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information : XXXX. The original creditor 's name and address. 
XXXX. The original account number associated with the debt. 
XXXX. A detailed breakdown of the amount claimed, including any interest, fees, or additional charges applied. 
XXXX. Copies of any agreements, contracts, or documents that demonstrate my obligation to pay this debt. 
XXXX. Proof that your agency is licensed to collect debts in [ your state ]. 

I also want to bring to your attention that I am aware of my rights under the FDCPA. I expect all communication related to this debt to be in compliance with the law. Any violations will be reported to the appropriate regulatory authorities. 

Please note that until you provide the requested information and validate the debt, I consider it disputed. Therefore, I request that you cease any further collection activities, including reporting this debt to credit bureaus, until the validation process is complete. 

I kindly request that you provide the requested information within XXXX  days from the date of this letter. Failure to do so will be interpreted as an admission that the debt is invalid, and I will take appropriate legal action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation.
Consumer complaint received 2023-04-14
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. (TX)

XXXX, XXXX, and Transunion are reporting Fraudulent on my credit report. XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX are not my accounts. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX hard inquires are not mine and unauthorized.
Consumer complaint received 2024-10-29
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (KY)

Switched carriers kept phone number was advised months later by mail I owed XXXX money. I advised I was bought out of contract and kept my phone number. In then started getting calls from 3rd parties saying I owe XXXX money and they are collecting on their behalf. Ive asked multiple times not to contact me i even have a new number and they have this number now. I feel harassed and its very hard to understand some of the callers dialect and accent at times.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (VA)

I am in a little financial distress and I called a banker at Wells Fargo to address some issues. 
I knew I had a bunch of things coming out of my account and a way to make sure they were not going to come out of my account. 

The banker told me if I changed my card that I would have to reconnect to any bill to have it come out of my account. I needed a new card because of a damaged chip anyways. 

This was not the case the company that pays my rent on the first of the month still came out. It breaks the payment up and charges me the first half on the first and the second half later on in the month both payments are XXXX plus another XXXX XXXX  charge. I was planning on breaking my lease and had already talked to the property manager about it. I also had a XXXXXXXX XXXX charge come out as well. This drained my account and made impossible to do my job and multiple other problems
Consumer complaint received 2023-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (TX)

We have a mortgage that is serviced by Selene Finance. There is an escrow account set up with the company that has over {$130000.00}. although the escrow is paid the servicing has not paid the property taxes associated with the agreement with Selene Finance. There is now a {$5100.00} late charge with the XXXX XXXX tax collector. We are now on our 10th call with the company to get this resolved. They promised to pay the tax, then give us back money, so can pay. Every call is put on hold for up to an hour. 

this process has been over a month with XXXX results.
Consumer complaint received 2024-10-29
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: TD BANK US HOLDING COMPANY (KY)

I alerted TD Bank/Target Cardholder Services to incorrect information that had been added to my XXXX report ; I declared a XXXX XXXX  bankruptcy in XXXX of XXXX that was granted in XXXX of XXXX. Target reported my credit card balance, which had never once been late prior to XX/XX/XXXX, as late from XX/XX/XXXX until XX/XX/XXXX. This is in violation of the automatic stay granted during the filing period of bankruptcies in the USA - I was told by the judge to cease payments on unsecured debt during this automatic stay period between the filing of my bankruptcy being accepted and the final disposition being granted by the court. Target investigated this errant reporting- and determined that I was indeed supposed to pay my unsecured debt to them even during the automatic stay granted by the XXXX XXXX XXXX Kentucky Bankruptcy court. This is in violation of bankruptcy law and the FDCPA, and unfairly impacts my credit report despite me having taken steps to prevent that. I was never once late on paying my Target card, and should not be listed as late or charged off after my bankruptcy. Target still lists my account as being {$480.00} past due and requiring payment immediately on my XXXX.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc (OK)

I am submitting this complaint regarding Chimes recent decision to deny my application for a Chime Checking Account and XXXX XXXX without providing a valid reason or specific details. Chimes response was as follows : Were sorry! Unfortunately, based on the information provided, we were unable to open a Chime Checking Account and XXXX XXXX for you at this time. Due to security reasons, our Member Services team is unable to provide you with any further information. 

Despite my inquiries, Chime has not provided any specific information or explanation regarding the decision. I am concerned that this lack of transparency may reflect improper handling of my personal information or a potentially erroneous assessment that adversely impacts my ability to establish an account with Chime. 

Given these circumstances, I kindly request the following : Clarification of the Reason for Denial : I am seeking a more detailed explanation as to why my application was denied. 

Review of Adverse Action Notification Requirements : If Chimes decision was based on information from a consumer reporting agency or another entity, I request that Chime provide an adverse action notice and specify the source of the information used.

Resolution : I seek guidance from the CFPB regarding any additional steps I may take to ensure my rights as a consumer are protected in this matter. 

Thank you for your attention to this issue. I look forward to your assistance in obtaining the necessary information and addressing my concerns with Chimes handling of my account application.
Consumer complaint received 2023-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (GA)

I got a personal Loan for {$70000.00} and told them I only needed {$63000.00}. I immediately sent/stated {$7000.00} will be return. I was charged interest on it and fees. Also my payments are auto payments and rather then taking the fund on the agreed date, they wait about to days to get the money out of a Wells Fargo account. When I make additional payment that place it as interest, rather than towards the principal. Their practices are questionable and need to be looked into. If I was a person, that does not monitor this, I would be robbed. They will do right for a moment, than go back and do the same actions and add fees. I send additional payments to go towards the principal, NOT the interest. When, you write the Wells Fargo, CFO, a certified letter, and the letter are resealed ( noticeably ) and returned without a response. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX 

Please investigate their actions in depth.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/2023, I got an email from Chase, saying that I owed {$35.00}, due XX/XX/2023. I didnt recognize the debt; found it suspicious. I tried to follow the links to find out if I owed and to pay for it, if legitimate. I tried to pay it, because the amount was so small. I knew it was Chase, but I had paid off the cardI had with them, and had not used it since. The links didnt work. So I waited to learn more. 

Next thing I know ( on XX/XX/2023 ) there was a late payment registered with XXXX, and its by Chase ( XXXX ). It lowered my credit score by 105 points! I called Chase and paid the {$35.00}. The agent could not say what the charge was for. I paid the balance due, asked them to close the account. I thought it was closed. I asked them to consider reversing that report of late payment. They told me to call XXXX. XXXX said there was nothing they could do, but I could file a complaint.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Account was opened in XX/XX/2022 until XX/XX/2022 email address that was set up for this account was XXXX which is not my email address. Bank of America allowed this account for Safe Balance Banking account to be open without proper identification. I was unaware of any of this until I received a letter and statements notifying of the closing of the account due to a business decision still had not properly identified. You can open this type of account online without providing proper Identify. Driver license number issue date, expiration date and/or uploaded your ID. Now after the fact Bank of American wants all the following information : Fraud Claim number XXXX XXXX ). ID sure as driver 's license or a state, government or military issued ID. 
2. a copy of SS card, 3 ) a copy of ss statement, 4 ). proof of residency utility bill or insurance bill or rental or mortgage.

4 ). any original account documents you received for the account ( XXXX ) which i will not have because I did not open this account. 5 ). A copy of the policy report ( XXXX filed through XXXX County Sheriff 's Office ). 
If only that had completed the property ID verification upfront, which was not completed online. however, if they walked into a bank this would not have happened because there would have been proper identification done. I am requesting restitution. Bank of America needs to be stricter on their online banking products when opening accounts. This is ridiculous. I was yelled by their staff, and I did not do this this is not my fault. Completely on them and they should take ownership.
Consumer complaint received 2023-04-25
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)

My name is 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. XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX : {$0.00}. Please remove.
Consumer complaint received 2023-05-27
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. (TN)

in accordance with the fair Credit Reporting act. The list of accounts below has violated me federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX : XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of imformation any other adverse item of imformation, 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 imformation relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the imformation is inaccurate.
Consumer complaint received 2023-04-06
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX. 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.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (CA)

The account is invalid AmSher Collection Services , Inc. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. AMSHER COLLECTION SERV XXXX
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.