davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
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. (FL)

I have been violated by the XXXX, Equifax and XXXX XXXX reporting agencies. My Information was given to them without my consent. 
Saying I owe a credit card debt. This debt is not mine. Not only is it not mine my privacy has been exposed and used by the credit reporting agencies. This has caused me a lose in founds. A lowering of my credit score which they have absolutely not right in doing. It has caused me much embarrassment and heart ship. There are many USC codes they have violated along with XXXX XXXX As well. I have already sent XXXX XXXX an identity theft repot as of 2 weeks ago. Ive also done a CFPB complaint on them as well. I was never notified of anyone running my credit nor was I notified about this account before being placed on my credit report. I demand XXXX, XXXX and XXXX XXXX to remove the XXXX XXXX  information off my report and file along with the hard inquiry immediately. 
The worst part about this mess is none of the reporting agencies have the same amount or dates. The hard inquiry shows XXXX XXXX. The card was placed as an account on XXXX XXXX. How does that even make sense. I have pictures to prove this.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my XXXX  XXXX  that I wouldn't even be able to afford help because of my low credit score due to these errors.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

I believe the account is invalid. XXXX XXXX XXXX XXXX  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.XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

This is in regards to complaint # XXXX with Wells Fargo that I reported earlier. Wells Fargo settle the account in the amount of {$3900.00} and still hold me accountable for {$2900.00}. I have asked them to provide all documents of their investigations which they didn't.

I am not willing to pay for something I did not benefit from. THIS IS SO UNFAIR that Wells Fargo still making me pay {$2900.00}.

Please reach out to them and ask for all the proof of their investigations so I can go ahead and start my own investigation.
Consumer complaint received 2024-02-03
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXXhas violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit on a credit card account under an open end consumer plan as late for any purpose. 

The Following inquiry should be removed from my credit profile. 

XXXX XXXX
Consumer complaint received 2024-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOUTHSTATE CORPORATION (OK)

I was contacted by an impersonator for a job interview that reached out by email. They were impersonating the company XXXX strategies. They used XXXX that I had all the qualifications they were looking for and asked me to sign a job offer which looked completely legit. I did so and shortly after they asked me to deposit an e-check into my checking account with southstate banking in XXXX XXXX Their reasoning was that they needed me to contact a vender to get technology sent to me for my remote role. The tech needed to be outfitted with certain security features. I thought that was reasonable since the main focus of XXXX strategies is cybersecurity. They sent me a front and back image of a legitimate looking check for {$4900.00}. I deposited the check and once it posted to my bank account they instructed me to send it to $ rhainnon on cashapp which I did. After they accepted it XXXX told me to do the same thing with a larger amount. I did not because my banks fraud prevention team caught it and contacted me. I canceled the pending check and informed the bank, cashapp, the government, and XXXX strategies. XXXX said there wasnt anything they could do, the company XXXX strategies thanked me for reporting it, the gov put a security check on my credit reports and the bank XXXX in XXXX GA charged me for the nearly {$5000.00} dollars. The bank cleaned out my checking and savings account saying it was to cover the bad check. I was told by a friend that I should contact you because the bank isnt allowed to do that since it was a scam. All of this took place during the dates of XX/XX/2024 to XX/XX/2024.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (PA)

Seven unauthorized wire transfers totaling {$6800.00} was withdrawn from my business checking account on XX/XX/year>, by Chase Bank. I never transfer any monies by wire. On XX/XX/year>, I was notified by XXXX that someone was trying to access my mobile banking and was advised to notify Chase. On XX/XX/year> I notified a bank officer at the XXXX, PA Chase Branch. I was advised to change username and password which I did. That obviously didn't work. 

I sent Chase information backing my claim. There comment was this was a lot of money. 
The bank manager at the XXXX, Pa branch also talked to corporate on my behalf, but this didn't work.
Consumer complaint received 2024-06-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

The company Portfolio Recovery has repeatedly called me on different phone numbers so every time that I block one phone number they call from a different phone number. I have already attempted to pay any debts with a debt consolidation and two of the companies refused any negotiation so I ended the debt consolidation.
Consumer complaint received 2024-06-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Driveway Finance Corporation (NV)

My loan is with Driveway Finance. 
I was making my payments with an additional XXXX $ to be applied towards the principle and after 5 payments I noticed it wasnt applied so I called and told them to apply it. And they wouldnt so I kept calling to complain and they would apply XXXX $ at a time and kept calling every month to argue for them to apply it to the principle. 
So my money just sits there!
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

This number : XXXX constantly calls my cell ( had to change my cell & somehow they found this number ), my landline ( unlisted ), my Sister ( from another number ). 
This is getting very frustrating, especially because they are contacting my Sister of whom lives over XXXX miles away and have zero understanding how they can legally get these numbers and do this.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To my disbelief, this afternoon I found several inaccurate accounts on my credit report, and I have no clue where they came from. I check my credit regularly, but this time there were random discrepancies. I even refreshed the page hoping it was just a browser issue, but nothing changed. The errors stayed, and now Im left feeling really uneasy. I need a complete review of the documents I submitted, so I can finally put this nightmare behind me.
Consumer complaint received 2024-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (CA)

They are PURPOSELY obfuscating the request to remove the Tax section of the impounds with a request to remove the ENTIRE escrow account. This is not what is being asked for. I am requesting to KEEP the impounds used for PMI, as that is required, but no where in ANY laws or state regulations can I find the requirement to force me to keep the entirety of my escrow account open. I want to pay property tax and my homeowners insurance on my own as they have shown with the attached escrow analysis they can not do it. I have had this loan for over 2 years. At this point my home value is unchanged and XXXX insurance essentially is in maintenance mode and should not change that drastically. How did they manage to XXXX that up to the point that not only am I under the amount required, but I owe more than is required to be in the account. 


In my previous complaint they ONLY make references to have the entirety of my escrow account closed. I AM NOT ASKING THAT
Consumer complaint received 2024-06-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I, XXXX XXXX, a XXXX man with XXXX XXXX XXXX, became a victim of a sophisticated spoofing attack. Acting on fraudulent instructions received via email, I initiated a {$25000.00} wire transfer from my business account at XXXX XXXX XXXXXXXX to an account at Capital One, believing it was a legitimate transaction. 

On the same day, I returned to XXXX XXXX  XXXX and reported the fraud. XXXX XXXX XXXX promptly sent a service message to Capital One, requesting the return of the funds. Capital One responded the next day, XX/XX/XXXX, asking for additional details, which XXXX XXXX XXXXXXXX promptly provided. Capital One indicated that the process could take up to 90 days. 

While waiting for Capital Ones response, on XX/XX/XXXX, I reported the incident to the Internet Crime Complaint Center ( ICCC ). Despite this, after the 90-day periodXXXX XXXX XXXX XXXXXXXX followed up with Capital One on XX/XX/XXXX, but received no response. Another follow-up was made on XX/XX/XXXX, still without any communication from Capital One. 

Additionally, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). In their response, Capital One stated, " We encourage you to continue working with your financial institution through their wire recall process. '' However, despite this statement, Capital One did not respond to the wire recall request from XXXX XXXX XXXXXXXX, leaving the matter unresolved. 

Attached you will find the letter from Capital One, XXXX XXXX XXXXXXXX, and the XXXX report.
Consumer complaint received 2023-10-21
Product: Checking or savings account — Savings account
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Bank of america new york branch ( cfpb ) has two previous complaints about 2 banks ( 02 ) as second XXXX XXXX XXXXXXXX XXXX now running as old bank name also up dated by XXXX XXXX XXXX but no response XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Due to my all funds invested at XXXX XXXX XXXX, I have no doubt about savings but to date not up dating my funds balances with interests paid for by 2 banks each year? As a customer its a my legal, civil rights at OFAC, CFPB to find and sent me the up date.l.asap send me the response Thank you
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (CA)

Account # XXXX This complaint is a REBUTTAL to a response from ONE MAIN FINANCIAL dated XX/XX/2024 regarding a dispute on the above account & also previous disputes regarding this account. 

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information to the credit bureaus. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction or transactions on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for.

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, Clifford Farrar ) and ONE MAIN FINANCIAL are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately.

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - ONE MAIN FINANCIAL is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

In XXXX I cancelled my XXXX membership which is similar to XXXX through XXXX I was charged {$99.00} on XX/XX/XXXX. After going back and forth with XXXX, I reached out to USAA. We have been with USAA for well over XXXX  years. A dispute began to receive my {$99.00} back. 
In XXXX, I received an Email that was in the merchant 's favor - however, when I log onto the Merchant 's website and into my account, it tells " me I'm NOT enrolled into a service I have now paid for. So I " disputed the dispute. '' Fast forward ; it wasn't actually submitted - my error because I submitted documentation on my XXXX profile ; not mine. I called back to check the status which is when I learned of my mistake. I sent the documents on my profile- and the rep submitted the proper documentation? I I called a while later to check the status ; and that rep said that the previous rep didn't actually submit the review. So she did. Then I called back recently again, and was told the same thing .... 
Now yesterday I received an E-mail that it was found in the " favor '' of the XXXX. HOW? I have submitted proof ; I do NOT have an account. I have sent screenshots and videos. Please help.
Consumer complaint received 2024-06-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (CO)

Constant calls and texts messages stating I owe debt and will be contacted by a debt collector. I block all the calls and report the texts but they still come. A few years ago I was on a payment plan to pay off a bill that I owed and they stopped after XXXX years so I thought they were paid off because of this but then got calls stating they were a debt collection team associated to the company I had previously had the payment plan with and signed up for another monthly payment to them so my credit didnt decline since they said that would happen and I thought they were with this company. However, I changed my bank debit card and the payments stopped and a year or so later I got calls again. With the knowledge I have about these scams now I have blocked all calls and deleted texts from these said debt collectors. Being on my payment plan for months theres no way they were not paid off also. Its sad and scary cause it is hard to know what companies and people are real anymore.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was shocked this afternoon to find inaccurate accounts suddenly appearing on my credit report, and I have no idea how this happened. I check my report regularly, but this time, discrepancies just appeared out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but it wasnt. The errors remained after refreshing, and now Im deeply concerned. Im requesting a thorough review of the documents Ive sent, so I can stop stressing about this issue ever happening again.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (UT)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to FCRA 605B, it's mandated to eliminate any erroneous accounts from my credit report. These accounts contain inaccurate information in their reporting. Compensation of {$1000.00} is expected for each mistaken entry on my credit file.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

We certified mailed the following letter to XXXX on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX  : Credit Bureau Management XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX  Adjustment To Whom It May Concern : I'm writing to request a good will adjustment. See attached letter from XXXX XXXX XXXX. 

For reasons beyond our control, we could NOT adjust our bill payer payments to XXXX resulting in partial payments. Prior to XXXXXXXX XXXX  security breach, we made overpayments to our XXXX account through XX/XX/year> and NEVER had a late or delinquent payment. 

XXXXXXXX XXXX  security breach occurred in XXXX and lasted for weeks. I contacted XXXX and explained our dilemma with the understanding that my telephone call was noted with an extended grace period. I was surprised to find that the grace period was not extended and that XXXX falsely reported NO payments received in XXXX, XXXX and by the due date in XXXX. XXXX sent partial payments of {$40.00} in XXXX, XXXX and XXXX. Our account should be in good standing again with additional monies paid. 

Please amend and provide a good will adjustment to XXXX, Tranunion and XXXX for the aforementioned reasons. Thank you.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.