davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/year> a check was deposited into a 5/3 ATM in the amount of {$19000.00} from a car dealership for selling my vehicle. 5/3 Bank has an ATM check deposit limit of {$50000.00}. The following day, XX/XX/year>, I could not access my account. I was not notified by 5/3 Bank.

I contacted 5/3 Bank to find a reason why I could not log into my account online. I was told the account has been put on a fraud freeze and I would have no way to access any money from my checking account until further notice.

5/3 Bank claimed the check deposit could not be verified and I would have to prove the check is legit. That day 5/3 Bank was provided the check invoice and the State of Illinois Title Stub of the vehicle. 5/3 Bank said it would take up to 72 hours to process the verified material.

Over 72 hours after submitting the documents, my account is still frozen, with no access to my checking account. This is my main checking account that receives direct deposits from my employer and pays all bills. 5/3 Bank was contacted again and could not provide if or when the account will be unlocked.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Adjustment Company Incorporated (FL)

Cease and Desist To Whom It May Concern, I am writing to formally request that your agency cease and desist all further communication with me regarding the account referenced below. 

Additionally, I request that you remove this collection account from my credit report in accordance with several provisions of federal credit laws. The account appears to be inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Inaccuracy and Completeness ( FCRA Section 611 ) : The information being reported is inaccurate and/or incomplete. Under Section 611 of the FCRA, I am entitled to a complete and accurate credit report. Please review and correct this information to ensure compliance. 

Verification of Debt ( FDCPA Section 809 ) : ** I request that you provide validation of this debt as required by Section 809 of the FDCPA. If you can not provide proper validation, you are obligated to cease reporting this debt to the credit bureaus. 

Inaccurate Reporting ( FCRA Section 623 ) : the debt is found to be inaccurately reported, Section 623 of the FCRA requires you to correct or delete the information from my credit report. 

Please confirm receipt of this letter and that you have ceased all collection activities and removed the account from my credit report. If you do not comply with these requests, I will be forced to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-08
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)

Transunion and XXXX XXXX continue to report an allege debt that I do not owe. I have no lawful obligation to pay a XXXX  party debt collector and they have not received prior judgment from any competent court to render a judgement.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion, XXXX, & XXXX continue to report incorrect information on my consumer report. My name and address is reporting incorrectly on each consumer agency report. This is causing me significant damages. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX Delete this information my consumer report.
Consumer complaint received 2024-08-22
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. (IL)

I am writing to formally dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 6 letter and dispute I have sent to this CREDIT BUREAU along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and these creditors and CREDIT BUREAU are violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 6th notice to this company notifying you guys that these listed accounts are fraud. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. My 7th notice of litigation will be a lawsuit suing this credit bureau, these company did not honor my rights or acknowledge my supporting documents regarding identity theft. I was incarcerated for 10 years with proof when all these accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, Im going to sue for my rights being violated, pain and suffering, false allegations from these creditors and credit bureau, and assisting to furnish wrong and fraudulent accounts. I demand all accounts be removed ASAP. 

Specifically, I refer to the following account : FRAUDULENT ACCOUNTS 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 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 These above addresses are fraudulent, and these perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised during the time I was XXXX XXXX XXXX XXXX  ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in opening accounts and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CT)

On XX/XX/XXXX, I used my ATM card in XXXX, XXXX. I made XXXX attempts to withdraw XXXX EUR which I never completed or received the cash ( I exited the screen and never approved the transaction ). Then, I made another attempt to withdraw XXXX EUR, which I did receive the cash for it. 

The merchant charged me for the XXXX transactions, despite the fact that I never received XXXX of them ( XXXX x XXXX ). 

On XX/XX/XXXX, I filed a claim with XXXX XXXX disputing XXXX of the XXXX transactions ( XXXX x XXXX ) that I never received the cash for. 

On XX/XX/XXXX, the bank sent me a letter stating that they investigated and I will receive a " partial '' refund of XXXX, meaning that the merchant was saying that only XXXX of the XXXX transactions was not completed. How come the merchant charged for XXXX transaction that they say was invalid and only refunded after Chase 's investigation? Is that a merchant that can be trusted by Chase? They are simply lying or being inaccurate. 

XXXX XXXX, I reopened the claim with Chase. 

On XX/XX/XXXX, I received a letter from Chase saying that the claim is denied and I am still being charged for XXXX of the XXXX disputed transactions. 

On the same day, over a recorded call with Chase, the agent told me information that is different from the letter I received. He told me that the merchant is saying that all of the XXXX transactions were valid and I am going to be charged for all of them. When I asked to speak to a supervisor, she said that I will be charged for XXXX of the XXXX disputed transaction as the letter says. 

Chase hasn't done a thorough job to investigate the claim and have been communicating conflicting and inaccurate information. 
Chase won't provide any details about the evidence they received from the merchant. 
Chase trusted whatever evidence the merchant provided against my claim despite the fact that the merchant itself says that XXXX of the transactions I disputed was invalid ( I didn't receive the cash ) after they charged me for it! How come such merchant be trusted when they made such mistake? 
Chase should protect its clients against such shady merchants actions. I am being charged for money that I never received. 
Chase refused to reopen the claim or do anything further to help.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report. My name and address is reporting incorrectly on each consumer agency report. This is causing me significant damages. 

XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX Delete this information my consumer report.
Consumer complaint received 2024-07-24
Product: Credit reporting 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. (DE)

I checked my credit report this lunch and I saw that there were unauthorized inquiries. I tried logging in and logging out of my account, but when I logged in again, the unauthorized inquiries were still there. I have no idea why those showed up on my credit report but I do know that I want them removed as soon as possible, so please thoroughly look at the documents I've sent.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC. (ID)

In Early XXXX, I opened two accounts with Robinhood, a XXXX XXXX  and an individual account totaling around XXXX After a week or so, they closed my account citing Suspicious Activity ( XX/XX/XXXX ). That was acceptable to me because the brokerage was not a fit for me as they do not allow short sales. I began emailing them requesting the funds and wasn't able to connect with anyone until the end of XXXX. 
They said that they would send the funds to the originating account. That account is with another brokerage and is still open and functioning fine. They claim that transfer was initiated on XX/XX/XXXX. However, as of today ( XX/XX/XXXX ) that sweep is still pending. A different sweep was attempted on XX/XX/XXXX but that one is showing as failed.

They have never explained why the account was closed. They have responded with auto responses most of the time except for twice in which they stated the funds would go to the originating account and if that was unsuccessful then the funds would be escheated by the state.
Consumer complaint received 2024-06-21
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. (TX)

Ive been in communications with Experian about inaccurate personal information on my credit report. Even after notifying them many times about this error, they continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told Experian many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information 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  After recently pulling a copy of my credit report, I was shocked by what I discovered. I noticed there were late payments that are reporting on my credit report that XXXX XXXX SHOULD NOT be being reported on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I say this because, the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Furthermore, I never gave any consent for these alleged transactions.
Consumer complaint received 2023-12-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY (NJ)

This was many years ago and the bank is Wells Fargo, I have recvd compensation BUT this infuriates me. I have a story to tell about how Wells Fargo ruined me in every way and now idk how many years later they get to say sorry heres a little money Have a good day.No way Im not an account # I am a real life person, at the time a XXXX, recently divorced single Mom of XXXX, and I still struggle emotionally & financially because of the greed of Wells Fargo. They repossed my car, that I was current on my payments on, I was moving at the time took so much personal belongings from me I went to the Police Dept..No help called and wrote and begged and cried argued ... I was treated like a low life by everyone like I didnt pay my loans kind of person, nobody beleived me & my relationships with my loved ones, ( son sisters Mom my family ) XXXX I dont know if this will go the same place my original plea for help went IDK really even what else to say but I got probably {$6100.00} from XXXX in the past few years. 
IT IS NOT ENOUGH Who decides the damage such an event like this has on someone else? No I didnt lose a home on paper but I always planned on rebuilding my life buying a home for my kids and I ..But no way my credit was too damaged for that and ever since then I pay MORE for everything because my rates are so much higher ..So yes I do feel XXXX I lost so much more than a car jewelry cash unknow value XXXX but yea I lost a mortgage I lost my family I lost hope. I just want curse and screem ..How dare they? How come they are still in business It makes me sick They arent being punished they are gon na stop stealing fro. American people they owe me more I dont think I could put a number on it - what is the going rate on losing the respect of your son? The heartache of not being beleived because its Wells Fargo they dont make mistakes like that..My family wanted to know where the money for the car went? How could I buy my son a beat used car for hos 1st job then do something else with the payment money? Oh boy did I suffer to THIS DAY my closest family is gone the truth is out now idk 10 years later.. Cant get that time back and my family let me down I cant forgive them or Wells Fargo .

To Wells Fargo, I hate you ALL of you, you should be in XXXX, you should be made to be alone and struggle and have NO MONEY NO HOME ugg sickening greed So I just had to say this Thank you for allowing me to FINALLY be heard. 
Respectfully XXXX XXXX
Consumer complaint received 2024-08-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

In XXXX of 2021 I reported an appraisal error and omission in my FHA loan. Per HUD/FHA a lender is required to self report the following in the Loan Review System, Lender Self-Reporting of Fraud and Other Material Findings. The Federal Housing Administration Loan Review System ( LRS ) Lender User Manual and FHA Loan Review System Basics are attached for reference. 
Cardinal Financial chose the category of Property Eligibility rather than the correct category of Property Appraisal.

They have refused to provide a reason for this inaccurate reporting, much less submit the loan defect under the correct category, instead deflecting to things that are not the borrowers responsibility. They did not address the reasoning for choosing the incorrect category in the previous complaint.
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Pressler & Pressler, LLP (NJ)

On XX/XX/ 2024 my bank informed me by email that a hold was put on my account. I received my social security benefits on this account. I still have not received a call back from the the Law firm Pressler and Pressler. I called the Sheriff dept they also informed me that the account should not have been withdrawn since SSI benefits are exempt.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXXXXXX XXXX XXXXXXXX Account # XXXX A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date.

There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States. So, this credit balance is in excess of {$1.00} And the law clearly states that the treatment of any credit violence is supposed to be refunded upon the request of the consumer so I would also like to request my refund.

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC (VA)

I have already sent documents to XXXXXXXX XXXX XXXX The original creditor, stating this wasn't my debt. I did this a few years ago. The account was closed now this new company Scott and Associates has purchased the account somehow and are sending letters every week, I asked them to send me something with my signature to prove it was me they have not they sent billing statements, I asked them to send something i could have notarized as XXXX XXXX XXXX did, They told me to go to the police, I don't know when this happened, I don't know who used my name so what am I supposed to tell the police?? The account was closed by Scott and Wolf and they are sending letters to my house every week please send something with my signature or leave me alone.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX Account # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My account was garnished without any due diligence. I just had whole life money transferred into the account to pay my mortgage and they garnished with no warning. Wrongfully garnished because I was never served and never even knew about it. When my accounts all went to {$0.00} in the middle of the day I called Bank of America. I was told they know nothing they do what they are told and to call the lawyer who authorized the garnishment. They took from 3 accounts one was my daughters that we opened for her when she was approx XXXX yrs old so I had to be in it
Consumer complaint received 2024-08-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc. (GA)

XXXX XXXX XXXX - XX/XX/2024 - This company remains as a collections on all XXXX of my credit reports. I recently received a letter in the mail attempting to collect a debt for this same account from Unifin. When I spoke with the agent this month from Unifin, she advised me that they recently received the account in XX/XX/2024 and would submit a dispute to XXXX to verify debt. However, XXXX XXXX XXXX still remains on my report for the same debt and reports monthly of no payment received when they do not have the account.